Partial blame when Not

crashedandcool

following an accident I was in with my dads car his insurance company has found me as non fault, when the new policy came out under the section with me as a named driver it says

Accident - Partial Blame - No Claim Made

whats does this mean as the claim was settled as no fault.

Quentin

crashedandcool wrote: »

following an accident I was in with my dads car his insurance company has found me as non fault, when the new policy came out under the section with me as a named driver it says

Accident - Partial Blame - No Claim Made

whats does this mean as the claim was settled as no fault.

"No fault" means the insurer didn't have to pay out over the accident.


You didn't make a claim, and if a third party was involved, they haven't made any claim up to the date the renewal was issued


(If you were blameless, then get them to correct this, as this is the entry they will have put against you on the shared database and other insurers will see you as attempting a false disclosure if when you disclose this incident you state that you were not to blame)

crashedandcool

Well our insurer did pay out fast as I wrote the car off. Other guys fault. Claim was settled as no fault and I assumed the other insurance fully paid. I shall have to check all the letters not for exact wording.

my dads bit in the policy states. Accident - Partial Blame - Claim Made

If they have me as at blame is there an appeal I can make

Quentin

If you were held partially to blame then when they paid out they would have deducted the policy excess and your dad's NCD would have been affected (ie, if protected a protection "life" lost, or if unprotected NCD would have been reduced)

Did he get his excess back off the other side?

As the note says "no claim made" when in fact there was, this looks to be an admin error - get your Dad to check it out with his insurer and take it from their reply.

crashedandcool

Yes he was sent a cheque from the other insurer for the excess. His NCD on his policy is now fully restored. I checked our docs and they confirmed it was non-fault and full recovery was made.

I spoke to my dads insurer(with authorisation) and they were not sure why it said this, but changed it and it will now state something like 3rd party vehicle flash hit me. Recovery made

They also said the way it was before was irrelvant as it was no claim made(by me, my dad obviously did) and if I got my own policy it would not affect me.

Quentin

crashedandcool wrote: »

......They also said the way it was before was irrelvant as it was no claim made(by me, my dad obviously did) and if I got my own policy it would not affect me.

They mislead you.


This is part of your claims history, and you will have to disclose it to any insurers you go to for quotes in your own name. You normally are asked for your history over the previous 3/5 years.

crashedandcool

So basically if I crash a car as a named driver on someone elses policy and the policy holder claims. I should mention it even though it was not my policy it was claimed under? To be honest that make perfect sense just want it confirmed

Rolandtheroadie

You'll be declaring that you've had an accident.

Quentin

crashedandcool wrote: »

So basically if I crash a car as a named driver on someone elses policy and the policy holder claims. I should mention it even though it was not my policy it was claimed under? To be honest that make perfect sense just want it confirmed

You are asked about your history of claims/losses etc and it is irrelevant whether or not any incident resulted in a claim off your own policy/as a named driver/claim directly off the third party etc.


It is the incident that you need to disclose.

magpiecottage

Quentin wrote: »

It is the incident that you need to disclose.

If asked to when you apply for the policy.

If they are daft enough not to ask, you do not have to volunteer it. You must answer questions asked accurately to the best of your knowledge, though.

Misled is the past tense, mislead is present tense (as in led the verb not lead the metal).

crashedandcool

They wrote back to explain they had amended the policy and produced a new ceritifcate etc, but missed out the motor proposal confirmation page which I've noticed has come with every other letter when they confirm renewal of the Insurnace. This is the page that points how what I've been talking about so I cannot check. Hmmmmm