Help!!! Help!!!! Just Crashed a Courtesy Car - Help!! Help!!!

jarrod1

When you are given a courtesy car you would have had to sign something which transferred your insurance onto the courtesy car, i know, i did it on monday as i was in an accident last month.
So it will work the same way, you pay excess etc etc, but if the first accident was your fault also then i imagine that the second wont go down so well with your insurance company or you trying to get 50/50 in court.

roney

jarrod1 wrote: »

When you are given a courtesy car you would have had to sign something which transferred your insurance onto the courtesy car, i know, i did it on monday as i was in an accident last month.
So it will work the same way, you pay excess etc etc, but if the first accident was your fault also then i imagine that the second wont go down so well with your insurance company or you trying to get 50/50 in court.

The first accident wasn't my fault - this has already been established by the insurance companies.

MoscowFlyer

jarrod1 wrote: »

When you are given a courtesy car you would have had to sign something which transferred your insurance onto the courtesy car, i know, i did it on monday as i was in an accident last month.
So it will work the same way, you pay excess etc etc, but if the first accident was your fault also then i imagine that the second wont go down so well with your insurance company or you trying to get 50/50 in court.

That all sounds a bit strange to me and I don't know how that would hold up in the event of a claim. Who's to say your insurers would cover you on the car given by the garage in the first instance? From my own experience (7 years) in motor insurance, if you wanted cover on a courtesy car and the garage don't provide the cover themselves, you MUST call us to get cover on that car, how else do we know what we're covering? you may have a £1,000 car in for repairs, replaced with a £7,000 courtesy car.

First thing you need to do is check exactly who insured the vehicle at the time of the accident, personally I'd take the claim, if it's covered by your insurers you'll only lose two years anyway if the first incident is a 100% recovery and that is highly unlikely to amount to anywhere near the cost of repairs to the car you've just crashed.

roney

MoscowFlyer wrote: »

That all sounds a bit strange to me and I don't know how that would hold up in the event of a claim. Who's to say your insurers would cover you on the car given by the garage in the first instance? From my own experience (7 years) in motor insurance, if you wanted cover on a courtesy car and the garage don't provide the cover themselves, you MUST call us to get cover on that car, how else do we know what we're covering? you may have a £1,000 car in for repairs, replaced with a £7,000 courtesy car.

First thing you need to do is check exactly who insured the vehicle at the time of the accident, personally I'd take the claim, if it's covered by your insurers you'll only lose two years anyway if the first incident is a 100% recovery and that is highly unlikely to amount to anywhere near the cost of repairs to the car you've just crashed.

:A I will only lose 2yrs of my no claims discount???? - wow :A

I thought I was going to lose my entire 4 years no claims discount which would send me back to the days of paying £150 a week for my car insurance

MoscowFlyer

roney wrote: »

:A I will only lose 2yrs of my no claims discount???? - wow :A

I thought I was going to lose my entire 4 years no claims discount which would send me back to the days of paying £150 a week for my car insurance

No, not at all, each claim will set you back two years, unless of course you only have one year, then you'll obviously just go back to zero.

pompeyrich

roney wrote: »

:A I will only lose 2yrs of my no claims discount???? - wow :A

I thought I was going to lose my entire 4 years no claims discount which would send me back to the days of paying £150 a week for my car insurance

Sorry to bear bad news but you may only lose 2 years of NCD but you will be considered a higher risk, so you will get 2 years no claims but off a much higher initial premium. This happened to me, a minor claim (£500) when someone broke into my car and stole my ignition control unit. The premium shot up, tried to move Companies but they wouldn't touch me because I had had a claim in the last year. If I had known about this I would have sourced the part from a scrap yard.

Labman_2

roney wrote: »

:A I will only lose 2yrs of my no claims discount???? - wow :A

I thought I was going to lose my entire 4 years no claims discount which would send me back to the days of paying £150 a week for my car insurance

£150/week! £7,000+/year...what were you driving?!

gsmmad

i think he ment per month ....

but i got quoted 10 grand for a type R .....

shelly

pompeyrich wrote: »

This happened to me, a minor claim (£500) when someone broke into my car and stole my ignition control unit. The premium shot up, tried to move Companies but they wouldn't touch me because I had had a claim in the last year. If I had known about this I would have sourced the part from a scrap yard.

How many co's did you call whilst shopping around? I had quite a big claim in May of 2006 but when renewal came round in November 2006 I shopped around and changed co's no problem at all even though the claim was 6 months old.

roney

Labman wrote: »

£150/week! £7,000+/year...what were you driving?!

Sorry I meant /month