Car wrote off by 'joy rider'

stulaunch

Hi
I'll try and keep this short, but it's a strange story.

Daughter rents in a small complex/barn conversions, about 6 houses behind security gates with 1 large shared car parking area.

The other night a 4x4, presumably stolen crashed though gates and continued to smash up all of the parked cars in the parking zone, crazy I know! Up until now we've no idea if 4x4 has been found but it drove off from scene at the time.

Daughter's car, assessed by a mechanic friend will be a write off. It's an old Audi
Probably only worth £400 ish.

She has contacted police as other residents will have. She has to go to police station next week to sign something.

She has not yet contacted insurance. We're thinking it will cost her even more in the future than the value of her car.

I was just reading about Motor Insurers Bureau (MIB) and wondered if it was likely this could help her? She is a young driver and she needs car for commuting to work.

Or has anbody got any thoughts on what to do? I'm guessing she may just have to take a hit on this.

Marktheshark

MIB is for where no insurance covers the loss not as an alternative top claiming on your own.

pappa_golf

Marktheshark wrote: »

MIB is for where no insurance covers the loss not as an alternative top claiming on your own.

and where the "miscreant" is caught

stulaunch

Marktheshark wrote: »

MIB is for where no insurance covers the loss not as an alternative top claiming on your own.

Thanks. Did I read it right, does it cover for loss of excess and compensate for loss of no claims? I realise she would have to tell her insurance company first, but just trying to find out if it would be worth it?

stulaunch

pappa_golf wrote: »

and where the "miscreant" is caught

Ok, thanks. We would have to rely on police doing there job then!

neilmcl

Marktheshark wrote: »

MIB is for where no insurance covers the loss not as an alternative top claiming on your own.

pappa_golf wrote: »

and where the "miscreant" is caught

Both above not strictly true. Firstly uninsured losses can be claimed via the MIB and secondly the OP can claim via the Untraced Drivers agreement.

stulaunch

neilmcl wrote: »

Both above not strictly true. Firstly uninsured losses can be claimed via the MIB and secondly the OP can claim via the Untraced Drivers agreement.

Thanks, In any circumstances though, she firstly needs to tell her insurance company?
Am I right in thinking if she tells her insurance company, then whatever happens after, whether she claims or not, her premiums will be affected afterwards?

neilmcl

stulaunch wrote: »

Thanks, In any circumstances though, she firstly needs to tell her insurance company?
Am I right in thinking if she tells her insurance company, then whatever happens after, whether she claims or not, her premiums will be affected afterwards?

In a short word yes.

Retrogamer

neilmcl wrote: »

Both above not strictly true. Firstly uninsured losses can be claimed via the MIB and secondly the OP can claim via the Untraced Drivers agreement.

Do they need the vehicle registration to do that?

dacouch

Retrogamer wrote: »

Do they need the vehicle registration to do that?

Yes for the type of claim the OP is making eg Property and the MIB will not cover the element of the claim that her own Insurance covers

parking_question_chap

How do you know it was a 4x4 if it has not been recovered?