Is this fair - increase car insurance premium

gardner1

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.

"Will give a couple of other insurance companies a phone call tomorrow"......get on comparison sites,nobody phones up these days

Confused.com
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Then do Direct Line & Aviva separately

BOBS

gardner1 wrote: »

"Will give a couple of other insurance companies a phone call tomorrow"......get on comparison sites,nobody phones up these days

Confused.com
Go Compare
Compare the market
Moneysupermarket

Then do Direct Line & Aviva separately

....... as I said cant do comparison sites online as they dont accept Admirals one year no claims when only been driving 10 months.

Marvel1

EdGasketTheSecond wrote: »

What's a 'DS'?

Aretnap wrote: »

Dear Son/Darling Son

An annoyance, as they are capable of typing everything elae in full.

shaun_from_Africa

Car_54 wrote: »

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".

But as already mentioned by others, the RTA does not give a definition of the word "accident".
All it states is that if an accident occurs and there is damage or injury to a third person then you have to give certain details to those involved or to the police.
Therefore if there is an accident which doesn't involve injury or damage, you don't have to provide these details but there may still have been an accident.

AndyMc.....

shaun_from_Africa wrote: »

But as already mentioned by others, the RTA does not give a definition of the word "accident".
All it states is that if an accident occurs and there is damage or injury to a third person then you have to give certain details to those involved or to the police.
Therefore if there is an accident which doesn't involve injury or damage, you don't have to provide these details but there may still have been an accident.

This might help you from the PNLD.


Accident - although not defined in the Road Traffic Acts an 'accident' has been held in court to be 'an unintended occurrence which has an adverse physical result'. However, it is left to the courts to apply a common sense approach, perhaps asking whether an ordinary person would in the circumstances of the case say that there had been an accident. The driver is under the obligation imposed by this section even though the accident may have been caused entirely by the fault of someone else.


So in the case of this OP, would it be an accident if there was no black box? The answer is no.

shaun_from_Africa

AndyMc..... wrote: »

Accident - although not defined in the Road Traffic Acts an 'accident' has been held in court to be 'an unintended occurrence which has an adverse physical result'. However, it is left to the courts to apply a common sense approach, perhaps asking whether an ordinary person would in the circumstances of the case say that there had been an accident.

So in the case of this OP, would it be an accident if there was no black box? The answer is no.

You state "if there was no black box?" but there was a black box so this "what if" is pointless. You may as well have stated "what if there was no bin behind the car"

Surely the bin being moved (or possibly knocked over) was unintended and could qualify as "an adverse physical result" and as the people who post on here would no doubt qualify as ordinary people then if some of these "ordinary people" think that what happened to the OP's son was an accident then using the definition you posted above, there had been an accident.

AndyMc.....

shaun_from_Africa wrote: »

You state "if there was no black box?" but there was a black box so this "what if" is pointless. You may as well have stated "what if there was no bin behind the car"

Surely the bin being moved (or possibly knocked over) was unintended and could qualify as "an adverse physical result" and as the people who post on here would no doubt qualify as ordinary people then if some of these "ordinary people" think that what happened to the OP's son was an accident then using the definition you posted above, there had been an accident.

Where’s the harm in touching a wheely bin?

AndyMc.....

Look up adverse in the dictionary and the most appropriate meaning is harmful. Then look up harm, there is no accident unless there was damage to the bin.

poppasmurf_bewdley

AndyMc..... wrote: »

Look up adverse in the dictionary and the most appropriate meaning is harmful. Then look up harm, there is no accident unless there was damage to the bin.

So if you knock me down in your car, and I'm uninjured, no accident has occurred? Therefore, you wouldn't need to stop as, according to you, no accident has happened.

I really think you should get real.

AndyMc.....

poppasmurf_bewdley wrote: »

So if you knock me down in your car, and I'm uninjured, no accident has occurred? Therefore, you wouldn't need to stop as, according to you, no accident has happened.

I really think you should get real.

We are talking about an undamaged bin.

If it could and highly unlikely it would be determined you were uninjured, then please feel free to show us the need to stop.