Going through insurance or not?

Daz2009

Someone I know....not me honest ....reversed into a bollard in Sainsburys.The bollard was bent to a 60 degree angle.It still is to this day.I'm sure if Sainsburys wanted to claim off the driver...not me honest...they could view the cctv and do so.They haven't.
I wouldn't worry about a subsequent claim off Asda and I wouldn't inform my insurance company.

Daz2009

Vermillion wrote: »

I had a situation last November when a lorry had a piece of metal come off it and hit my car. The firm (well known high street company) admitted that it came off their vehicle and offered to pay for the damage at main dealer. I had to sign a form to say that I would accept this but bring no other claim against them - i.e injury (which was not going to happen because I was not in the car at the time!

I rang my insurers More Than and asked them for advice! My life have I had issues with it ever since. The company paid for the damage I signed their form. That was that - or so i thought!

Then when it came time to renew More Than have been toads. They have listed down that I had an accident. I am battling with them to get it removed because it was not an accident. They are now saying they will put it down as Non Fault, but it has to stay! Even though I only rang and asked advice about the signing of this damn form! Hopping mad I am. And they still left it as an open claim on their systems until July untilo i pointedly asked them "so did I claim then"? Err no you didn't came the reply!

So the word of cuation is this - unless they have to know I would not tell them.

I had a similar situation with my home insurance.No claim was made but because I'd seeked their advice and they had subsequently sent out an assessor it went down as a claim.I lost my no claims as a result but it was re-instated when I complained

arcon5

Vermillion wrote: »

I had a situation last November when a lorry had a piece of metal come off it and hit my car. The firm (well known high street company) admitted that it came off their vehicle and offered to pay for the damage at main dealer. I had to sign a form to say that I would accept this but bring no other claim against them - i.e injury (which was not going to happen because I was not in the car at the time!

I rang my insurers More Than and asked them for advice! My life have I had issues with it ever since. The company paid for the damage I signed their form. That was that - or so i thought!

Then when it came time to renew More Than have been toads. They have listed down that I had an accident. I am battling with them to get it removed because it was not an accident. They are now saying they will put it down as Non Fault, but it has to stay! Even though I only rang and asked advice about the signing of this damn form! Hopping mad I am. And they still left it as an open claim on their systems until July untilo i pointedly asked them "so did I claim then"? Err no you didn't came the reply!

So the word of cuation is this - unless they have to know I would not tell them.

Sounds correct to me, you was involved in a non-fault incident. It is declarable. Your mistake was to involve them at all. But if you want their advice you can't then moan when they adhere to their own terms by recording it rather than agreeing to be complicit to you breaching your contractual agreement.

Vermillion

The thing is Arcon5 they did not mark it down as a Non Fault. They kept it open on their systems and logged it as an accident. I had to get corrected and although they have altered their systems to show the correct circumstamces I had to make a couple of phone calls to get it.

Thats the ode to my situation - that in the event of just making a genuine enquiry regarding this document, this is how it ends up! I am wiser after the event now, but unless you have been in that situation before you don't know. I guess thats what happens when you are trusting! You end up thinking everyone else is the same and it's not.

And Margaret - just pay it out of your own money chalk it up to a mistake and if you leave the bollard alone it won't make a big thing out of it.

By the way only some of the car park areas of these supermarkets are covered by CCTV - mainly by the front quarter area around the front doors and delivery points! Chances are it won't have CCTV on it!

Hoof_Hearted

Insurance companies bring the non-reporting on themselves by their weasel tactics. When my car was written off in a non-fault accident (it was parked at the time), they still hiked the premiums, even though it was not a reflection of my driving ability. A change of company was the result and a cheaper premium (Esure to LV).

arcon5

It's not just about your driving ability! There's much more than how you drive to an insurance premium

shaun_from_Africa

Hoof_Hearted wrote: »

When my car was written off in a non-fault accident (it was parked at the time), they still hiked the premiums, even though it was not a reflection of my driving ability.

Your driving ability is only one factor taken into account when calculating premiums.
Your car was parked in an area which resulted in it being written off so you are therefore deemed to be a higher risk customer.

Hoof_Hearted

They would take anything into account in order to hike premiums. What calculation makes it right to hike premiums when a car, parked in a marked parking area, is hit from behind? It's a random thing and nothing I did contributed to the accident. Insurance companies choose to take it into account in order to hike premiums. It doesn't matter, as I changed insurer.

Quentin

Hoof_Hearted wrote: »

It's a random thing and nothing I did contributed to the accident.......

Who parked the car in the location?


If you are compared with another identical policyholder who hasn't claimed for car park damage causing a write off, then why shouldn't you pay more than the identical driver with the completely "clean" record?


(And the stats show that if you make a claim you are a higher risk than someone who hasn't)

Hoof_Hearted

Because we both have a clean record and my insurance suffered no loss. Statistics can be manipulated. If somebody drives into the back of your parked car tomorrow, why does that make you a worse driver and a higher risk?