Should learner driver make a claim

couriervanman

Dannnny wrote: »

Regardless of any PI claims a vehicle was damaged and MY premium will go up as a result.
So lets see who is to blame.
Was it:-
1 The learner/instructors fault for being (technically) in the right place at the right time,
2 The third party's fault for reversing off his drive at 1-double-0, shooting across the road and slamming into the instructors vehicle because he was angry,
3 The third party's wife for putting him the bad mood in the first place! (admitted by third party)

"Regardless of any PI claims a vehicle was damaged and MY premium will go up as a result.".........How do you work that one out

Dannnny

Every incident contributes to a rise in somebodies premium. Maybe "Mr. Angry's" insurance was underwritten by the same people as yours or mine. Their liabilities increase but profits still need to made and investors paid their dividends. That's how I work that one out!
You're directing your anger in the wrong direction my friend.
1, 2 or 3?

couriervanman

OP your son/daughter had a minor bump whilst stationary......just let it go the instructor will claim off the third party for damage to his car,your son/daughter probably has no injury's. Apart from maybe being a bit nervous on her next few lessons he/she will be fine,but that depends whether he/she/you listen to the ambulance chasers regarding the "pot of cash" set aside for her.

Dannnny

I think the moral behind this episode is don't get married.
No wife = no crash

Dangermac

Dannnny wrote: »

How so?:huh:

I was laughing at the thought of the pot of money that’s been put aside, being kept warm by magical fairies !!

DM

Dangermac

Uxb1 wrote: »

Why?
They were under instruction
They were not the licenced driver of the car and nor are they operating under their own insurance
The instructor was in charge of the car and it was the instructors insurance.
They were just a small step up from a passenger.

Closest one to this I've seen was a breakdown where the car was being put onto the breakdown lorry by the breakdown operative and were involved in an accident at that precise time.
Sorry says the owner to all from the police to the insurance Co's - I was not the driver of the car at the time, it was not my insurance and it has nothing whatsoever to do with me.

If the son was driving, then he’s had an accident

Usually all accidents have to be declared. If the question asks about ‘any accidents claims losses in past 5 years’ that’s what needs to be declared

If insurer chooses to waive certain types of accident that’s great but the OP should carefully document names and times/dates

The personal injury claim in itself does not change anything

Your advice, whilst seemingly sensible, is fundamentally flawed

DM

elsien

I had multiple phone calls about this magical pot of money sitting waiting for me to claim it. Oddly enough, when I asked them to send me the details on writing prior to me signing up with them, I never heard from them again.