Sainsbury's van run into car

prettyandfluffy

Downthedrain said:

There's no dispute in liability. Just got to get a quote tomorrow for the repair. However, they did say that there's no need to notify my own insurer as they're handling everything. I'm not sure about this. We've always been entirely open in all dealings with insurers of any kind.

You do need to inform your own insurer.

Car_54

Downthedrain said:

There's no dispute in liability. Just got to get a quote tomorrow for the repair. However, they did say that there's no need to notify my own insurer as they're handling everything. I'm not sure about this. We've always been entirely open in all dealings with insurers of any kind.

You're contractually obliged to tell your insurer. As above, any impact will probably be minimal, but on the other hand the consequences of not informing them could be dire.

pramsay13

They maybe mean you don't have to claim from your own insurer, but you definitely have to inform them. 

Downthedrain

I'll ring my insurer tomorrow.

Downthedrain

I rang the COOP today and they don't want anything to do with it. Instead they transferred me to Markerstudy, the underwriter and they've logged it as a claim despite me saying we're not claiming from them. Very involved and a lot of painstaking detail to go through repeatedly.

They said it may affect future premiums - that's down to the broker. I'm very annoyed right now about the whole situation which is stressful and time consuming - none of it of our own making.

Bigphil1474

OP, i had similar, quite a few years ago now. I rang my insurer for 'their information only', and it was all sorted for me by the TP insurer, no fuss all good. I didn't need a hire car though. No knock on effect on my premiums. It is best for you if it is sorted before you come to renewal so you don't have an ongoing claim to declare, but other than that, just let Sainsburys do their thing.

marlot

Downthedrain said:

There's no dispute in liability. Just got to get a quote tomorrow for the repair. However, they did say that there's no need to notify my own insurer as they're handling everything. I'm not sure about this. We've always been entirely open in all dealings with insurers of any kind.

They are probably concerned that your insurer will push you towards a credit hire vehicle, when they are happy to provide one at lower cost.  You can always inform your insurer 'for information only'

sevenhills

Downthedrain said:

I rang the COOP today and they don't want anything to do with it. Instead they transferred me to Markerstudy, the underwriter and they've logged it as a claim despite me saying we're not claiming from them. Very involved and a lot of painstaking detail to go through repeatedly.

They said it may affect future premiums - that's down to the broker. I'm very annoyed right now about the whole situation which is stressful and time consuming - none of it of our own making.

You seem to be under the impression that you decide who is at fault and who to claim from. The COOP insurers and the garage owners insurers will discuss and decide who is at fault. You left the vehicle in care of the garage, it's up to them to make it good.

Surely that is how it works?

Downthedrain

I'm not under any impression. It's our choice whether we use Sainsbury's claim handler directly, or make a claim through our own insurer. There's no discussion who is at fault - Sainsbury's say they are liable for the damage and will pay. 

I spoke to the Coop underwriter again who tells me a claim is set up as a precaution should Sainsbury's later dispute the events, so that eases my mind a little.