Car accident - insurance question

tres

tres

tres

Soldato
Joined
16 Oct 2007
Posts
7,486
Location
UK
Motors,

Girlfriend has a smash in her little Clio - diesel on a roundabout, span out and hit a tree. Car is a write off. No other vehicles involved, witness statements and incident number confirming it was an accident and no other connected parties etc.

Question - does she have to tell her insurance company?
Can she just let the DVLA know the car has been scrapped?

Thanks
 
Malt_Vinegar said:
Is she claiming from them?

I don't think you need to notify them if you are not claiming...
Click to expand...

Sorry, forget to mention that.

No, not claiming at all. It'll be more expensive in the long run if she did. She will just scrap the car and cancel her insurance
 
Technically yes she does, personally I'd either cancel the policy or just ring up to switch the vehicle once she's got a replacement one.
 
Depends on the wording of the policy, some say you must declare even if you do not claim. You will only know when you have looked at the policy in question.
 
You're obliged to inform them that you've had an accident. This is because underlying damage or symptoms from this could have an impact on future claims. Sure, it's a write off in this case but I think you're still supposed to let them know.

I doubt many people do, mind.
 
If the only damage was to your own property and you're not interested in claiming then don't bother notifying them.

The engine has seized and the cost to repair is more than the value of the car :p
 
You should tell them as it's part of your contract with them. The reason for doing so is that it is part of their underwriting calculation for future premiums.

Most people wouldn't tell them, but it could cause issues in the future if you don't.
 
Official word would be that you should tell them, because that's part of the agreement you have.

Whether you think they'd find out etc. is another discussion entirely but suffice to say I'd be surprised if more than 10% of people said anything in that sort of situation.
 
Dabbles said:
You should tell them as it's part of your contract with them. The reason for doing so is that it is part of their underwriting calculation for future premiums.

Most people wouldn't tell them, but it could cause issues in the future if you don't.
Click to expand...

You must be fun at parties.
 
Has she damaged any road furniture; barriers, signs etc? If so then the council may claim from her insurance? If not then legally you should tell them, but they will probably never find out
 
You should tell them because if she has a similar accident in the future and does make a claim, it may possibly come to light that the Clio mysteriously disappeared. Then said future claim may be void etc of course all this may not happen.
 
Slam62 said:
You should tell them because if she has a similar accident in the future and does make a claim, it may possibly come to light that the Clio mysteriously disappeared. Then said future claim may be void etc of course all this may not happen.
Click to expand...

What? There's 100 different reasons for scrapping a car.
 
Kaeo said:
What? There's 100 different reasons for scrapping a car.
Click to expand...

Haha do you feel lucky, of course there are..

So probably fine, but still dishonest as the driver is obviously a higher risk than apparently similar drivers.

It's actually fraud!!!
 
I too can vouch for how incredibly resilient trees are to damage.

Up to you, as already stated I would be surprised if the policy didn't state that any incident should be reported.

Would I personally report a single car incident where i had no intention to claim, with no damage to any property and no police interest....probably not
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom