Question about claim against previous insurance

hiphopopotamus

Hi,

November last year, I scratched my car against a wall. I planned to get it repaired out of pocket to protect my no-claims bonus.

I've just had a quote for the repair and it's a lot more expensive than I thought it would be.

I've since changed insurers after the old one expired at the end of the year.

Have I any recourse for claiming against the insurance on this?

With hindsight I should have reported it the day it happened even if I wasn't planning to claim, but that boat has sailed.

Thanks.

cw8825

contact your old insurer to make a claim
contact your new insurer to let them correct the policy

DullGreyGuy

hiphopopotamus said:

November last year, I scratched my car against a wall. I planned to get it repaired out of pocket to protect my no-claims bonus.

I've just had a quote for the repair and it's a lot more expensive than I thought it would be.

I've since changed insurers after the old one expired at the end of the year.

Have I any recourse for claiming against the insurance on this?

With hindsight I should have reported it the day it happened even if I wasn't planning to claim, but that boat has sailed.

Presumably you did tell your new insurers about the incident when they asked during the quote process?

You can claim on the old insurance, time delays arent a material problem unless it has caused it to start rusting etc. You would need to update your new insurers on the fact that the incident has now become a claim and the impact on your NCD.