Claiming insurance

DullGreyGuy

Herzlos said:

I'm not sure a driving other cars extension would be valid here, since I don't think it applies to vehicles owned by family members but I can't confirm it. 

Depends on the exact wording of the policy.  DirectLine for example states

> When the main driver drives any other car, we’ll provide the same cover as ‘If you cause an accident’ above, as long as:

• They aren’t covered by another insurance policy.

• They don’t own the other car, and it isn’t hired to them under a hire-purchase or leasing agreement.

• The car is not a hire, rental or courtesy car, unless we have provided or arranged it.

• The owner of the car they’re driving gives their permission.

• The car they’re driving is registered and being driven within the territorial limits or in the Republic of Ireland.

• You still have your car and it hasn't been written off

As such no exclusion for cars owned by family members 

EssexExile

If you want to claim then I would put it in the hands of your insurance company, that's what you pay them for. You will probably lose your NCD though.

If the insurance company won't help then next year use a different one.

DullGreyGuy

EssexExile said:

If you want to claim then I would put it in the hands of your insurance company, that's what you pay them for. You will probably lose your NCD though.

If the insurance company won't help then next year use a different one.

Depends if the OP is Comp or TPFT... if the later then their insurer won't do pursuant work, the cover bought only covers defence