How do I put an unresolved claim on a new car insurance policy?

jh143746

I'm in the middle of trying to get car insurance to pay out for someone reversing into me in a car park but there are loads of delays. My insurance company are confident I'm not at fault but the other party hasn't accepted liability. It's looking like the claim won't be resolved in time for my next insurance policy, which is early august. I'm having to get another vehicle with a 0% credit card in the time being because mine is a write-off, so I'm already worried about the cost. My worry with the insurance is I'm not sure how you put an unresolved claim on a new insurance policy. When I've looked at insurance on comparethemarket.com, all options for claims assume the claim is resolved. Do I have to put down an at fault claim while it's unresolved or is there another way? 

wongataa

Until the claim is resolved you have to put it down as a fault claim.  If the claim is then resolved in your favour you can contact your new insurance company and update them of the new status.

AdrianC

Your car was written off because of somebody reversing into you in a car park?

How bad was the damage? Was it purely a financial write-off leaving a low-value car driveable?

jh143746

That's what I was hoping I could avoid. I don't have the money upfront to cover that so will have to get a monthly policy which will cost even more in the long run!! I hate that insurance always assume you can cover your own costs while you wait for them to pay up - it's often not the case!

pramsay13

jh143746 said:

That's what I was hoping I could avoid. I don't have the money upfront to cover that so will have to get a monthly policy which will cost even more in the long run!! I hate that insurance always assume you can cover your own costs while you wait for them to pay up - it's often not the case!

In theory you could add the increase in costs to the claim and get them from the third party. 
Did you not have a courtesy car included in your policy?

jh143746

AdrianC said:

Your car was written off because of somebody reversing into you in a car park?

How bad was the damage? Was it purely a financial write-off leaving a low-value car driveable?

The car is driveable yes, but I don't want to spend all of the money I get from the insurance on repairing it and then end up with a car that's worth almost nothing. I paid £7000 for it less than a year ago and the repair cost is quoted at £5400. It does need doing as the seal is broken on the door, so condensation would get in and would also be really easy to crowbar open!

jh143746

In theory you could add the increase in costs to the claim and get them from the third party. 

Did you not have a courtesy car included in your policy?

I can try to do this, but there's no guarantee and in the meantime I'm still in a pretty bad financial situation. I need the vehicle I have because it has a wheelchair ramp so I have to replace it like-for-like but I'm not able to pay for it except with a 0% credit card and the insurance company won't return mine unless I buy it back which will also most likely waste me money in the long run. I'm just having to hope that the insurance pays up before the end of the 0% period on the credit card, otherwise I'm really stuck!

Sandtree

jh143746 said:
I hate that insurance always assume you can cover your own costs while you wait for them to pay up - it's often not the case!

Comprehensive insurance doesn't assume that as it covers own damage. All you need to pay is the excess and you presumably set that to an affordable level when you buy the policy.

pramsay13 said:

jh143746 said:

That's what I was hoping I could avoid. I don't have the money upfront to cover that so will have to get a monthly policy which will cost even more in the long run!! I hate that insurance always assume you can cover your own costs while you wait for them to pay up - it's often not the case!

In theory you could add the increase in costs to the claim and get them from the third party. 

To be able to make a claim you must be able to prove your losses... exactly how much will a non-fault claim cost the OP in year 2025? Which insurer are they going to go with and will that insurer at that time ask for 3 or 5 years of claims?

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Sandtree

[DELETED USER] said:
In the past I've just told them I will contact them every year with the cost and add it to the claim. They were not keen on that so offered a lump sum which I accepted. It was around 3x the first year cost so I figured it would probably cover me.

You were certainly lucky then, in my opinion, or were given shut up money.

You have no access to the underlying pricing model so do a quote without a non-fault claim and do a second quote with a non-fault claim the difference in premium is as likely to be counter fraud measures loading the premium than the claim itself.

In all my claims days I never truly gave any compensation for premium uplifts, it may have been listed in a global offer but no consideration had been given to it or £20 given as the token miscellaneous value we'd give