Car insurance dilemma

Equinox85

What bonus did your renewal notice state?

On the statement of fact it would also list any claims applicable on your policy. I find it hard to believe that you were never notified of a claim being made. As the insurers would generally ask for your opinion etc. Who repaired your vehicle from the damage?

Astronaughtwannabe

Retrogamer wrote: »

They would probably think it's reasonable to not know about the claim and the NCD, but insurance ask you if you have ever been involved in a claim or accident and the latter you were aware of. They will assume you didn't declare the accident as you didn't think they would find out without a claim. That may lead them to be distrusting of you, hence the cancellation rather than amended premium



The key part is when insurance ask you if you've had any accidents or claims. Not accidents with claims.

At the time that advice was given by a different insurance company.

And for a little mischief... No I have never had an ACCIDENT (incident happening by chance or mishap), I've only had a COLLISION (by the politically correct definition - caused, not an accident).

Strict interpretation of word works both ways ;-)

Retrogamer

Astronaughtwannabe wrote: »

And for a little mischief... No I have never had an ACCIDENT (incident happening by chance or mishap), I've only had a COLLISION (by the politically correct definition - caused, not an accident).

Strict interpretation of word works both ways ;-)

I'm not sure insurance companies like playing that semantics game.

forgotmyname

Astronaughtwannabe wrote: »

And for a little mischief... No I have never had an ACCIDENT (incident happening by chance or mishap), I've only had a COLLISION (by the politically correct definition - caused, not an accident).

Strict interpretation of word works both ways ;-)

Was this collision accidental or deliberate?

Astronaughtwannabe

Retrogamer wrote: »

I'm not sure insurance companies like playing that semantics game.

Well I'm sure they don't like being on the receiving end but I'd equally bet they like dishing it out!

Astronaughtwannabe

forgotmyname wrote: »

Was this collision accidental or deliberate?[/QUOTE

Yes

tonyd25

It turns out I'm fine to just cancel the policy myself. You guys had me worrying for a moment

But I do lose my no claims bonus and my insurance more than doubles. But it could be worse

Retrogamer

It'll come down gradually after a bit of time and eventually you won't need to declare the accident at all with the accident.

Even if you do have to pay some fees for cancelling it yourself it's better than them cancelling as that bad marker stays with you for life.

Quentin

tonyd25 wrote: »

It turns out I'm fine to just cancel the policy myself. You guys had me worrying for a moment

But I do lose my no claims bonus and my insurance more than doubles. But it could be worse

Get them to confirm in writing that they have NOT now cancelled your policy !!


(And keep the letter safe for the future in case this comes back to bite you if they have actually put this cancellation (by them) on your record that they put in writing to you)