rearend shunt!

arcon5

glentoran99 wrote: »

Premium wont rise that much, and maybe not at all if you shop around, better safe than sorry and go through insurance, as someone said your obliged to inform them anyway, and they will ask "any accident claims or convictions in the last 5 years" is he willing to lie for the next five years?

Without knowing his age and other crucial factors we cannot possibly know that. If he is an 18yr old boy for example, it could well cost him a lot more than £750 over the next five years.

Car_54

parking_question_chap wrote: »

If the other side couldnt prove anything

He doesn't need to "prove" anything, just to convince the judge. Judges are usually pretty good at spotting the liar.

glentoran99

arcon5 wrote: »

Without knowing his age and other crucial factors we cannot possibly know that. If he is an 18yr old boy for example, it could well cost him a lot more than £750 over the next five years.

I dont beleve it would as one accident would be the only changing factor,


but even if your right you would advise him to lie to his insurers for the next five years to save £12 a month?

parking_question_chap

Well if the other person intends to claim they have been injured. Surely they would have wanted to have the insurance compaines involved from the start.

[Deleted User]

robotrobo wrote: »

the insurance companies are not yet involved as the owner has offered to let him pay the bill privately, which is very decent of him.

It wasn't decent of the owner at all.

What he has done, is encouraged/abetted your nephew, to breach the conditions of his insurance policy, which requires all accidents, causing injury and/or damage to a third party, to be immediately reported to the insurance company.

Your nephew has also breached the policy conditions, by admitting liability.

robbies_gal

i think its decent enough to keep it off the record-of course they could go for an injury claim later on but woul also have already lied to their own insurer

somethingcorporate

I'd definitely go through the insurance just to keep everything above board. It protects all the parties, especially if there is later personal injury or further undiagnosed damage to the car.

arcon5

glentoran99 wrote: »

I dont beleve it would as one accident would be the only changing factor,


but even if your right you would advise him to lie to his insurers for the next five years to save £12 a month?

Believe all you like, but have you actually looked further in to it?

Here's some dummy quotes for example for an 18yr old boy living in a low risk postcode in FT employment and had DL for 6 months:

No accidents/claims - No NCB - £2337

Here's a quote for the lad now being 19 with no NCB, declared accident/claim: £2341

Okay, here's a quote for the now 19yr old with 1yr NCB and no accidents/claims: £1073

So already for a young lad having paid out £750 in cash to keep shush, just at renewal he's made that back AND about £600 BETTER OFF. Let alone the benefits for year 2, 3, 4 and 5.

Granted some specialist insurers may be able to bring some quotes down a little (all these taken from a comparison website) but even still it confirms what i've already said... we can't know how it will affect him without knowing more about him.

glentoran99

arcon5 wrote: »

Believe all you like, but have you actually looked further in to it?

Here's some dummy quotes for example for an 18yr old boy living in a low risk postcode in FT employment and had DL for 6 months:

No accidents/claims - No NCB - £2337

Here's a quote for the lad now being 19 with no NCB, declared accident/claim: £2341

Okay, here's a quote for the now 19yr old with 1yr NCB and no accidents/claims: £1073

So already for a young lad having paid out £750 in cash to keep shush, just at renewal he's made that back AND about £600 BETTER OFF. Let alone the benefits for year 2, 3, 4 and 5.

Granted some specialist insurers may be able to bring some quotes down a little (all these taken from a comparison website) but even still it confirms what i've already said... we can't know how it will affect him without knowing more about him.

So lying to the insurer then? because even though he hasn't claimed he will need to declare it