Car insurance - what counts as a claim

buster22

In March, my neighbours motorbike toppled onto my car in the middle of the night. I informed my insurance by phone but did not go on to make a claim. They didn't send me a claim pack or act on my behalf in anyway. I have just discovered that this now shows up as a 'fault claim' on my insurance .... can this be right??

Would appreciate any views and/or previous experiences.
Thanks

prudentsaving42

If you have Comprehensive cover and your neighbour's insurance company doesn't pay up, your insurer should.

buster22

Thanks, Kenan557. My point is that, although I informed my insurance company, I didn't need to go on to make a claim. However, it seems as if they have recorded this one phonecall as a 'claim' (and, to make it worse, a 'fault claim') on my file! Needless to say, I'm not impressed as, if they don't agree to remove this, I will have to declare it when I come to renew my insurance (as I certainly won't stay with Esure!).

Sure it can't possibly count as a claim?

BenL

Insurance companies like to tie people up in knots.

Usually on the quotation pages it waill say "accidents or claims within the last 3 years".

A motorbike falling on your car is an accident.

You have been penalised for being honest.

They will record it as a claim (system probably can't handle it as an accident and it works into their favour).

Only tell your insurance if you intend to claim from your own or someone elses insurance.

They want you to tell them if you have a little bump e.g I reversed into a lampost in my car by accident.

I new rear light and bumper on ebay came to £60 (much less than my excess and the premium increase for the next few years) which I have fitted.

I am not reporting this to them as an accident as I have handled it myself and i don't feel i should tell them.

It may go slightly against their terms and cons but who cares, it makes no difference to them and they will never find out.

pborojon

BenL wrote: »

Insurance companies like to tie people up in knots.

Usually on the quotation pages it waill say "accidents or claims within the last 3 years".

A motorbike falling on your car is an accident.

You have been penalised for being honest.

They will record it as a claim (system probably can't handle it as an accident and it works into their favour).

Only tell your insurance if you intend to claim from your own or someone elses insurance.

They want you to tell them if you have a little bump e.g I reversed into a lampost in my car by accident.

I new rear light and bumper on ebay came to £60 (much less than my excess and the premium increase for the next few years) which I have fitted.

I am not reporting this to them as an accident as I have handled it myself and i don't feel i should tell them.

It may go slightly against their terms and cons but who cares, it makes no difference to them and they will never find out.

The question most companies ask is any incidents accidents or claims. You should be able to report it as no claim made. In the case of BenL it goes to show the type of moral hazard you represent in this case not a particularly good one!

SomeBozo

buster22 wrote: »

In March, my neighbours motorbike toppled onto my car in the middle of the night. I informed my insurance by phone but did not go on to make a claim. They didn't send me a claim pack or act on my behalf in anyway. I have just discovered that this now shows up as a 'fault claim' on my insurance .... can this be right??

Would appreciate any views and/or previous experiences.
Thanks

This is an incident not a claim.

You need to ring your insurer and tell them that.

You were bang on to report it and complying with the T&Cs of your policy, if you didn't claim it should not count against you.

If you decide to move insurers, when they ask about claim history, say "no claims, but I had a non-fault incident in mm/yyyy that i never claimed for".

Some Bozo