Car hit twice now parked outside house!

Wes121708

SpudGunPaul said:

Wes121708 said:

DullGreyGuy said:

And this is why those that make a non-fault claim can face higher premiums because of where they park, how they drive etc 

We don't make no fault claims we end up forking out for it ourselves! 
We're reported the van parking on the single yellow all the time. You never know they might end up moving it and it'll stop. Or we could park on a different road and have a nice transit van parked outside of our house constantly, what a lovely view!

So do you commit fraud when taking out a new policy or inform your insurance company about the incidents?

What's the point in this comment.!! Not really useful and didn't ask your opinion on my insurance
 so get off this post!

Bradden

baser999 said:

There’s a road near me where the owners position bollards into the rear wheel arches of their cars - whether that works or not I don’t know; assume it helps else they’d not do it. 

It's sounds like a good idea.. I wonder if it's legal though?

Grey_Critic

Wes121708 said:

SpudGunPaul said:

Wes121708 said:

DullGreyGuy said:

And this is why those that make a non-fault claim can face higher premiums because of where they park, how they drive etc 

We don't make no fault claims we end up forking out for it ourselves! 
We're reported the van parking on the single yellow all the time. You never know they might end up moving it and it'll stop. Or we could park on a different road and have a nice transit van parked outside of our house constantly, what a lovely view!

So do you commit fraud when taking out a new policy or inform your insurance company about the incidents?

What's the point in this comment.!! Not really useful and didn't ask your opinion on my insurance
 so get off this post!

You may not like the comment but technically even if you do not make a claim the T&Cs of your insurance require you to inform them. Many years ago someone tried to get into my car and made a mess of the door panel - I simply put it into the workshop and had it repaired I just paid for a door skin and lock assy. Painting was done when other components were painted. and no I did not inform the insurer.

The problem could arise if someone informed the insurance company they had damaged your vehicle  and you did not make a claim or inform them - there are some honest people around.

HillStreetBlues

Grey_Critic said:

You may not like the comment but technically even if you do not make a claim the T&Cs of your insurance require you to inform them. Many years ago someone tried to get into my car and made a mess of the door panel - I simply put it into the workshop and had it repaired I just paid for a door skin and lock assy. Painting was done when other components were painted. and no I did not inform the insurer.

The problem could arise if someone informed the insurance company they had damaged your vehicle  and you did not make a claim or inform them - there are some honest people around.

 Especially as people change insurers.
Car hit with insurer A,  DIY job no claim,  insurer A saves money
Car hit in same place  with insurer B,  DIY job no claim,  insurer B saves money
Car hit in same place  but this time written off, costs insurer C.  Insurer C would have increased premium or refused to insure if known about other two hits.

baser999

Bradden said:

baser999 said:

There’s a road near me where the owners position bollards into the rear wheel arches of their cars - whether that works or not I don’t know; assume it helps else they’d not do it. 

It's sounds like a good idea.. I wonder if it's legal though?

I’d always wondered how the Police viewed this? Probably don’t know. 

DullGreyGuy

SpudGunPaul said:

DullGreyGuy said:

And this is why those that make a non-fault claim can face higher premiums because of where they park, how they drive etc 

It's not non fault claim in the eyes of the insurance company. You know that. 

That'll depend on both if the vehicle is identified and the terms of the OP's policy... several have "hit and run promises"

Longwalker

Im just wondering why if a car is getting constantly hit when parked in a certain spot, they the owner is still parking there?

hugheskevi

We have a problem with this on our street too. One person puts traffic cones at the front and rear offside parts of their car - not sticking out into the road at all, just tucked in at each end of his car.

He also has a bright cover for his car. I've no idea if that is to make it much more noticeable or genuinely to protect it from the elements. But the combination of the cover and cones does make it very noticeable.

Personally, the only reliable solution I found was to have an old car which I don't mind getting scraped and don't bother repairing with anything more than gorilla tape - very much looking forward to moving soon and being able to have a nice car.

prowla

My car's wing mirror was damaged twice outside my house.

The second time there was someone else's mirror lying on the road there.

I repaired mine, but stopped parking there.

I did think about parking a van or something there just to make the point that it's a valid place to park...

DullGreyGuy

Longwalker said:

Im just wondering why if a car is getting constantly hit when parked in a certain spot, they the owner is still parking there?

Potentially not much other choice?

Was similar with the railway station I used to park at. Get there at 7:30 and you've a wide choice of spaces available. Get there at 8am and the only spaces left are on a tiny narrow strip that requires about a 12 point turn for anything longer than a Mini to get in or out of. Plus to make it more fun the siding it a wooden fence with a metal barrier infront of it and lights in front of that but the lights are over the fence pointing at the platform so its all in silhouette 

Three times car got hit when having to park there, though one of those may have been my fault. What other option is there? Drive back home, waste the day of the season ticket and then wait 30 minutes for a taxi (each way) or a 45 minutes walk back to the station when you're already late