Adding car into tax rebate

unholyangel

Jeremy535897 said:

I don't understand why you couldn't claim on your insurance when theirs failed to pay out?

From what the OP has said, it's because op was driving without valid insurance - they were only covered for SDP and had not told their insurer they were using the vehicle for business purposes. Aka insurance fraud/driving without valid insurance. 

The leaving the vehicle for the site induction excuse I read as being the third party insurers (insuring the digger). I don't see how they can disclaim on that basis unless there's something OP has left out. There are very few instances where a parked car can be to blame for an accident. 

Jeremy535897

[Deleted User] said:

Jeremy535897 said:

I don't understand why you couldn't claim on your insurance when theirs failed to pay out?

I think that he is saying that he did but the claim was refused on the grounds that he shouldn’t have left his vehicle where he did. I think ‘they’ is his insurers.

Strange insurance then, as fully comprehensive covers you for almost anything, and that's what you would have on a £10,000 car.

08kumars

Dude I didn’t want to go through my insurance as it is very high I was 22 last year and I was paying almost 175 a month on a Audi.  Their company promised me sort out and kept coming up with excuses that there weren’t enough staff in the office. And passed onto their insurer after all the investigations and witness statements they refused even the gateman stated on statement that he told me to park there.   

molerat

Jeremy535897 said:

purdyoaten2 said:

Jeremy535897 said:

I don't understand why you couldn't claim on your insurance when theirs failed to pay out?

I think that he is saying that he did but the claim was refused on the grounds that he shouldn’t have left his vehicle where he did. I think ‘they’ is his insurers.

Strange insurance then, as fully comprehensive covers you for almost anything, and that's what you would have on a £10,000 car.

Not if using the vehicle outwith the terms of the insurance i.e.for business use on a SDP only policy.  Can't see how the third party insurer got out of the claim though.

Jeremy535897

In my experience using the car for a self employed business is thrown in for no extra cost, unless you are using it to ferry goods or people around, but that may not be the case when age 22. In any event, OP has explained that making a claim would have been prohibitively expensive in terms of future premia. So far as tax is concerned, there has been a loss, and if there is evidence of the business proportion that has been claimed, claiming it should not be a problem.

[Deleted User]

It’s great that a 22 year old is completing his own self-assessment but he does appear a little nervous as to how he completed this section. Perhaps he would want to reassure himself by providing some figures?

Grumpy_chap

The third party insurer can't avoid a claim simply because the OP was parked in the incorrect place.

There seem to be some gaps in the information shared that make this hard to understand.

08kumars

In there exact words “ 

Grumpy_chap

Thanks, but that still does not seem correct.

You parked your car in the incorrect place and then left it to attend a meeting.  I assume the car was left secure and handbrake on etc.  A dumper, or JCB, or similar then collided with your car.

If I park somewhere, double-park maybe outside my house, then there are penalties that I may face, even prosecution for obstruction.  My fault does not, though, give other road-users carte-blanche to collide with my car and cause damage.

The fact you were within a private construction site means that there is even less excuse for the dumper driver colliding with your car as, if it was causing an obstruction, the site security / foreman will know it was your car and can come to call you out of the meeting to move the car.

This element of the discussion has veered away from the original tax question to an insurance query.

I also don't entirely understand why the car was originally £10k, worth £8.2k at the time of the incident, damaged to the tune of £4k, yet you opted to scrap the car rather than find some way of financing the repair.  Given that you had to pay a reasonable chuck anyway for the replacement vehicle.

08kumars

I had the car for nearly 1 and half year.  I estimated the sale cost to the current market value that year.  I could gather over 4K repair money that quick. And went to first National lockdown just after the incident.  I was out of funds and was waiting on thirty party to pay for repairs as they instructed me to go garage to get estimate.