Can I make an insurance claim to repair damage, prior to a PCP Voluntary Termination?

MuffledPnev

Hoping someone can help - I am due to VT my existing car due to a change of jobs - with the new job providing a company car (I am currently on a temporary car allowance which is due to end soon). 

I damaged the car 2.5 years ago (rear wheel arch catching Heathrow's Short Stay pillar) so would likely not fall under the typical 'wear and tear'. There is also some slight damage to various other parts of the car that might also need repairing. My questions is whether I am able to claim on my insurance to have the damage fixed prior to the VT and if I would need to make more than one claim. I have tried googling this but it doesn't seem to be very clear. 

Or would it be advisable to look at getting these repairs done myself, despite no longer requiring a no claims bonus (as they seem to now be largely redundant anyway). 

If anyone could help, that'd be great. Cheers!

cw8825

For the damage from the pilar You would really need to claim under the policy at the time the damage was caused

Insurance is not there to cover wear and tear either so will not cover repairing the minor damage around the vehicle, if you were to claim you would likely be looking at multiple excess

I personally would get a quote to repair the damage, compare that to the costs of what the PCP will charge when you return then go from there

DullGreyGuy

MuffledPnev said:

Hoping someone can help - I am due to VT my existing car due to a change of jobs - with the new job providing a company car (I am currently on a temporary car allowance which is due to end soon). 

I damaged the car 2.5 years ago (rear wheel arch catching Heathrow's Short Stay pillar) so would likely not fall under the typical 'wear and tear'. There is also some slight damage to various other parts of the car that might also need repairing. My questions is whether I am able to claim on my insurance to have the damage fixed prior to the VT and if I would need to make more than one claim. I have tried googling this but it doesn't seem to be very clear. 

Or would it be advisable to look at getting these repairs done myself, despite no longer requiring a no claims bonus (as they seem to now be largely redundant anyway). 

If anyone could help, that'd be great. Cheers!

Have you been declaring the incident to all your insurers since then? 

A claim represents a single incident so the pillar would be 1 claim, any other damages would be separate claim(s) depending if they were dont in one or multiple incidents. You claim off of the insurance that was in force at the time of the incident, they are likely to load the incident to CUE and at a minimum of your current insurer, they will then see you've had previous incidents and will check your quote answers to ensure you declared the incidents to them. 

Obviously multiple claims means multiple excess to pay and compounding impacts on your NCD and premiums.

MuffledPnev

Thanks for your reply - the damage was never declared at that time and I have since changed insurer so I am guessing then it wouldn't be possible to get this fixed through my current insurer? 

Ayr_Rage

How will you explain to your new employers and whoever insures the car that you suddenly go from "no claims in the last 3 years" to "I've just made several historic accident claims"?

All sounds a little dodgy if you go down that route.

MuffledPnev

Ayr_Rage said:

How will you explain to your new employers and whoever insures the car that you suddenly go from "no claims in the last 3 years" to "I've just made several historic accident claims"?

All sounds a little dodgy if you go down that route.

Also a very good point!

Hoenir

MuffledPnev said:

Thanks for your reply - the damage was never declared at that time and I have since changed insurer so I am guessing then it wouldn't be possible to get this fixed through my current insurer? 

That's fraud. Having such a marker against your name would be extremely costly for a very long time. 

MuffledPnev

Hoenir said:

MuffledPnev said:

Thanks for your reply - the damage was never declared at that time and I have since changed insurer so I am guessing then it wouldn't be possible to get this fixed through my current insurer? 

That's fraud. Having such a marker against your name would be extremely costly for a very long time. 

Again, didn't know this would be the case so thank you for the heads up

DullGreyGuy

MuffledPnev said:

Thanks for your reply - the damage was never declared at that time and I have since changed insurer so I am guessing then it wouldn't be possible to get this fixed through my current insurer? 

Not unless you are willing to commit fraud (again) and lie about when/how the damage happened?

You would need to go to your old insurer and claim from them and then tell your new insurer you lied to them when taking the policy out and hope they dont cancel the policy for fraud.