Brand new car write offs

Tigsteroonie

The company who provided the 7-day cover, what have they said when you called them?

photome

Briman wrote: »

No this was not her first car, she has had a black box insurance for a year in an old run a around with no problems, and that is not the point, this is about a new car and the insurance regardless of how long the driver has been driving.

Thanks for the comments around 7 day cover. We have seven day cover in my name as I brought the car with her as a named driver. We then set up her own insurance with her previous insurance company and explained that we had seven day insurance if which they said that was ok as this was her insurance as named driver.

I maybe over reacting to the initial comment made by the insurance company to my daughter when spoke to them "if it's a write off then we might return your premium (which we paid in full) and you can sort this out with the creditors" my daughter received a call yesterday saying it has been written off but they are getting a second opinion.

What I wanted to know is what is the normal process when a new car is written off, is what they suggested familiar? Indeed I will be chasing up the insurance company for further explanation.

Thanks

I am confused by that

it seems like you had 7 day cover with her as a named driver? if so what have they said.

then it also seems like you took out another policy also with her as a named driver?

you can only claim on one policy but reads as if you are covered by 2 policies all be it her as a named driver on both when maybe she should be the main driver.

cajef

You had seven day cover the vehicle was bought on a Saturday and crashed on Wednesday within this time, maybe that is why her insurance are disputing and looking into their cover.

uknick

Leaving aside the problems with the insurance, how can a "small" accident write off a brand new car?

What make of car was/is it?

facade

I thought that if there were two companies insuring the car at the time of the accident, and both would normally have paid out, then they split the liability and pay out half each.

If however, the drive away insurance is not comprehensive for the named driver, but the daughters own policy is, then third party liability is split (which you don't really car about), but the own damage is paid for by the comprehensive policy only.

motorguy

Briman wrote: »

No this was not her first car, she has had a black box insurance for a year in an old run a around with no problems, and that is not the point, this is about a new car and the insurance regardless of how long the driver has been driving.

Thanks for the comments around 7 day cover. We have seven day cover in my name as I brought the car with her as a named driver. We then set up her own insurance with her previous insurance company and explained that we had seven day insurance if which they said that was ok as this was her insurance as named driver.

I maybe over reacting to the initial comment made by the insurance company to my daughter when spoke to them "if it's a write off then we might return your premium (which we paid in full) and you can sort this out with the creditors" my daughter received a call yesterday saying it has been written off but they are getting a second opinion.

What I wanted to know is what is the normal process when a new car is written off, is what they suggested familiar? Indeed I will be chasing up the insurance company for further explanation.

Thanks

Is your daughter sure they didnt say "cancel" the insurance?

If a car is written off, as the policy is on the car, the insurance is generally cancelled, once they've paid out.

dacouch

motorguy wrote: »

Is your daughter sure they didnt say "cancel" the insurance?

If a car is written off, as the policy is on the car, the insurance is generally cancelled, once they've paid out.

My take on this when I read the first post was the OP's daughter miss understood the Insurers and that what they actually said to her was... If the car is a write off we will be RETAINING the premium

Keeping the remaining premiums when a car is written off is standard practice.

Although alarm bells rang when I read about the father buying the car and insuring it and then the daughter insured it. I'm hoping the policyholder is the registered keeper

photome

dacouch wrote: »

My take on this when I read the first post was the OP's daughter miss understood the Insurers and that what they actually said to her was... If the car is a write off we will be RETAINING the premium

Keeping the remaining premiums when a car is written off is standard practice.

Although alarm bells rang when I read about the father buying the car and insuring it and then the daughter insured it. I'm hoping the policyholder is the registered keeper

What difference does it make wether the policyholder is the register d keeper or not as long as it is declared

daveyjp

uknick wrote: »

Leaving aside the problems with the insurance, how can a "small" accident write off a brand new car?

What make of car was/is it?

Depends in the car, but a relatively minor impact which damages the tridion of a smart car will write it off.

gardner1

daveyjp wrote: »

Depends in the car, but a relatively minor impact which damages the tridion of a smart car will write it off.

If it's been hit side on at roundabout even minor dents to front,back door and centre strut would be enough for write off