In accident and not at fault but problem with my insurance

Mercdriver

Sea_Shell wrote: »

Facinated to know which insurer/policy gives this? Please tell.

It was Hiscox, but they have withdrawn from UK motor insurance because of Brexit. Now with Chubb.

Retrogamer

You can still claim for personal injury off of the negligent party, despite not being insured. You will likely need the drivers full name and address as essentially you (or someone representing you) would sue them via the courts. They then forward this to their insurance company
If you know their insurance company you can contact them directly but they might not accept liability easily.

As others mentioned, your friend can claim off of the other driver for his loss (car repairs)

Jsuk wrote: »

And yes, the vehicle I was driving is fully insured and I had the owners permission to drive it

Let's hope the police don't charge them as well. Allowing someone to drive your vehicle without insurance also carries 6 points and a fine.

Sea_Shell wrote: »

Facinated to know which insurer/policy gives this? Please tell.

Adrian Flux set it up through the insurer they used for me for about £30 extra per year. (forgot who they are)

lopsyfa

jimbo6977 wrote: »

Just to be clear, I'm much more inclined to the "take responsibility for reading your documents" camp, however this is a forum where people come to ask for practical advice, and in this instance I think it's worth making a complaint to the FOS on the basis that the Proposal wasn't clear as to the meaning of the question and answer regarding other cars. Let's put it this way, if the FOS can rule that a policyholder's signed statement on a claim form is effectively worthless in demonstrating bad faith (which they have), then they could pretty much rule anything.

There is no reason to complain. The "have use of other car" question in the insurance proposal just ask whether the OP is insured to drive another car (maybe work or partner's van) and does not mean the insurance will cover the use of another car. For example, on moneysupermarket, the question is "Do you drive any other car?" which is less ambiguous compared to "have use of other car". The question is only used in the statistical model used to calculate the risk and price the insurance.