Is this fair - increase car insurance premium

Aretnap

shaun_from_Africa wrote: »

What never happened?
The OP clearly stated that their son reversed into the bin and unless this was intentional, it was an accident.

Warwick (or whatever he's calling himself this week) thinks that the Road Traffic Act defines the word "accident" as something that involves damage or injury, and thinks that alluding to this gets him pedant points. The problem is (1) it does no such thing- it says that you have to give details and/or report an accident IF it involves damage or injury and (2) even if it did it would be irrelevant to the son's insurance policy, which would be based on the ordinary meaning of the word. It's irrelevant to the question.

Aretnap

EdGasketTheSecond wrote: »

What's a 'DS'?

Dear Son/Darling Son

Aretnap

BOBS wrote: »

Problem is Admiral give 1 year no claims bonus after 10 months driving - we insure car for 10 months at a time, this being second 10 months. So comparison sites wont recognise first year no claims bonus as technically not a full year, obvious as driving test only past 10 months ago too.
Think I am in a no win situation here .

Does the renewal notice say one year's NCD? If so I would have thought that most insurers would accept it as such, though if the comparison site filter won't accept it because it's longer than he's held a full licence then you might need to try some insurer's website's directly, or else ring them up and ask a real person. (Also there's no reason why a learner can't insure a car and build up NCD - though of course most people don't actually do it).

poppasmurf_bewdley

Re-reading the OP's original post reveals something I missed first time around.

He says the incident occurred during or just after a heavy snowfall. The son must not have cleared the snow from the side or rear screens - if he had, he would have seen the wheelie bin.

By not clearing these windows, he would have laid himself open to a charge of careless driving had he been seen by the police. Had they seen him, the son would be facing a much more severe increase in his insurance premium. So maybe he has got off relatively lightly.

Warwick_Hunt

Aretnap wrote: »

Warwick (or whatever he's calling himself this week) thinks that the Road Traffic Act defines the word "accident" as something that involves damage or injury, and thinks that alluding to this gets him pedant points. The problem is (1) it does no such thing- it says that you have to give details and/or report an accident IF it involves damage or injury and (2) even if it did it would be irrelevant to the son's insurance policy, which would be based on the ordinary meaning of the word. It's irrelevant to the question.

So do the insurance company define as an accident? If you fall over or cut your finger shoukd you be informing them?

Warwick_Hunt

poppasmurf_bewdley wrote: »

Re-reading the OP's original post reveals something I missed first time around.

He says the incident occurred during or just after a heavy snowfall. The son must not have cleared the snow from the side or rear screens - if he had, he would have seen the wheelie bin.

By not clearing these windows, he would have laid himself open to a charge of careless driving had he been seen by the police. Had they seen him, the son would be facing a much more severe increase in his insurance premium. So maybe he has got off relatively lightly.

Given if it’s the rear screen and a car with two wing mirrors then, no he wouldn’t.

BOBS

poppasmurf_bewdley wrote: »

Re-reading the OP's original post reveals something I missed first time around.

He says the incident occurred during or just after a heavy snowfall. The son must not have cleared the snow from the side or rear screens - if he had, he would have seen the wheelie bin.

By not clearing these windows, he would have laid himself open to a charge of careless driving had he been seen by the police. Had they seen him, the son would be facing a much more severe increase in his insurance premium. So maybe he has got off relatively lightly.

Extremely heavy snow, and mother here cleared all the snow (I know I know - not my job - i am a soft touch - etc etc !!) but was clearing my own car too while snow still soft enough to clear with soft brush. It was between this and DS getting in car that bin was moved to behind car.

Will give a couple of other insurance companies a phone call tomorrow.

docmatt

Blimey, didn’t even know kids have to have these black boxes these days, sounds like a right ball ache.

Back in my day you reverse into a lamp post and it’s off to Halfords for some Isopon and sandpaper

Car_54

shaun_from_Africa wrote: »

What never happened?
The OP clearly stated that their son reversed into the bin and unless this was intentional, it was an accident.

I'd agree that, as there was no damage, there was no "accident" to report (see definition in Road Traffic Act). However, it depends on what the insurer requires to be reported. Maybe they refer to "incidents".

BeenThroughItAll

BOBS wrote: »

Extremely heavy snow, and mother here cleared all the snow (I know I know - not my job - i am a soft touch - etc etc !!) but was clearing my own car too while snow still soft enough to clear with soft brush. It was between this and DS getting in car that bin was moved to behind car.

Will give a couple of other insurance companies a phone call tomorrow.

Soft touch is right! Why not get your 'DS' to do the legwork? Is he mute as well as unobservant?