To use insurance or not....

glentoran99

Fat_Walt wrote: »

Negatives:
Both will have to declare it for the next five years.
18 year old may not get insurance upon renewal.
18 year olds insurance may rocket.

Positive:
It will cost the driver £100 excess instead of £900.

For a non fault accident, both scenarios are unlikely

74jax

thescouselander wrote: »

What does the cars owner think of being off the road while their car is repaired? Will the repair place provide a car or will other arrangements need to be made?

Also what will happen if the car isn't repaired to the owners satisfaction?

Sounds better to go through the insurance IMO.

The car owner is fine with not being on the road for a week. He can use my car if needed but he said its OK.

The car owner had picked his usual garage etc and is happy. He got a couple of comparison quotes too.

I just feel really bad is not his fault at all, his car was parked up on the road, he wasn't even in it at the time and he might have to then play increased premiums - at 18 .

I also understand the other side, why pay £900 when the insurance can pay out.

victor2

Fat_Walt wrote: »

Negatives:
Both will have to declare it for the next five years.
18 year old may not get insurance upon renewal.
18 year olds insurance may rocket.

Positive:
It will cost the driver £100 excess instead of £900.

glentoran99 wrote: »

For a non fault accident, both scenarios are unlikely

I would say the first is unlikely but second is very likely, assuming the insurance company is told.
My brother had his car keyed once. When he renewed his insurance it went up substantially. When he questioned why, as he had protected NCD, the insurers just said "you should see what it will cost without the protected NCD!"

glentoran99

victor2 wrote: »

I would say the first is unlikely but second is very likely, assuming the insurance company is told.
My brother had his car keyed once. When he renewed his insurance it went up substantially. When he questioned why, as he had protected NCD, the insurers just said "you should see what it will cost without the protected NCD!"

that's a different scenario, he claimed on his own insurance,

74jax

glentoran99 wrote: »

that's a different scenario, he claimed on his own insurance,

Yes, car driver would not be claiming. Van driver would be - no damage to van at all but a panel damaged on the car.

victor2

74jax wrote: »

Yes, car driver would not be claiming. Van driver would be - no damage to van at all but a panel damaged on the car.

Agreed, but you can bet the car driver would see his premiums increase because of a non-fault claim against a third party.

glentoran99

victor2 wrote: »

Agreed, but you can bet the car driver would see his premiums increase because of a non-fault claim against a third party.

It will more than likely increase, however the poster said "rocket" most increases for a non fault accident can be negated by shopping around

tripled

Either don't tell the insurers at all, or claim off the van policy. Don't tell the insurers but not claim, in my experience that can affect premiums worse than a non-fault claim.

You can always play with the comarison sites to see what the difference in price would be come renewal for the various permatations, but make sure you use fake details!

NewUserHere

Fat_Walt wrote: »

Negatives:
Both will have to declare it for the next five years.
18 year old may not get insurance upon renewal.
18 year olds insurance may rocket.

Positive:
It will cost the driver £100 excess instead of £900.

I see you are still spreading untruths!

Fat_Walt

NewUserHere wrote: »

I see you are still spreading untruths!

EU Regs mate, I thought you'd know that.