DOC on a car your a named driver

Siliconslave · 18 Jul 2006 at 13:24

Ok, i'm a numpty, and really peed off with myself

I've just managed to reverse into someone in a car park, they were parked and i wasn't. The real kicker is its my gf (or soon to be ex)'s car.

Now i'm named on her insurance, but i also have DOC on mine, the damage to her car is minimal and should t-cut out mostly, but the damage to the other car (a mazda 6) looks a bit worse, with the front bumper riding up into the bodeywork a bit

If the people want to go through insurance (i've asked to do otherwise if we can) i'd prefer to go through my DOC so its not a mark against my gf's insurance - do i have the choise and will i have to pay an excess, i have a volentary £250 but does this apply to 3rd partys?

Cheers,
A very gutted and annoyed with himself Sam

[TW]Fox · 18 Jul 2006 at 13:28

No, you must go through your girlfriends insurance.

merlin · 18 Jul 2006 at 13:29

You'll have to use her insurance.

Terms of all policies state that if the car is more specifically insured elsewhere - the DOC doesn't apply.

XS only applies to your own damage, never Third Party Damage.

Nathan · 18 Jul 2006 at 13:29

No exess for third party, only if you claim for damage on your own car so your ok. I reversed into a gate too the other week, first accident/bump in 4 years of driving and I happened to be in my new car. I know how it feels

jpmonkey69 · 18 Jul 2006 at 13:32

as you are named on the policy, i think you have to claim against that policy, rather than use the DOC from your own car.

This is because the DOC will not cover you on a car you can already drive. (As it would be insured twice)

Siliconslave · 18 Jul 2006 at 13:34

yer, just found it in the exceptions of my policy

balls

the claim against her policy will kill her no-claims i assume, will that come into effect now or when she renews?

going to have to ring her in a min, doesn't help that the car park was a garage where i'd just found out she needs two new wheels, and that it looks like they were damanaged by a different garage she took it into a service at!

merlin · 18 Jul 2006 at 13:35

Siliconslave said:
yer, just found it in the exceptions of my policy balls

the claim against her policy will kill her no-claims i assume, will that come into effect now or when she renews?

Whatever NCB she has now will be reduced by 2 years at next renewal after the accident.

Adz · 18 Jul 2006 at 13:36

If it makes you feel any better, I reversed into a bright yellow skip once

. Granted it was dark and the windows were steamed up but I'd seen the skip on the way in so I knew it was there!

Back OT though, I'd really push for settlement outside of insurance. It doesn't seem worth your GF losing her no claims if it can be avoided.

merlin · 18 Jul 2006 at 13:37

Bah, come back once you've reversed into your own security post three times.

Then you'll have something proper to boast about.

Nathan · 18 Jul 2006 at 13:43

merlin said:
Bah, come back once you've reversed into your own security post three times.

Then you'll have something proper to boast about.

LOL! new bumper needed ?

Siliconslave · 18 Jul 2006 at 13:49

Adz said:
Back OT though, I'd really push for settlement outside of insurance. It doesn't seem worth your GF losing her no claims if it can be avoided.

Thats what i'm hopeing for, fingers crossed they don't get a silly quote for the repairs!

Just talked to the misses and shes being surpiseingly cool about it, turns out her ncb is protected, but the threat of annother accident (had too hit and runs in 03 that count against her - go figure) isn't good

merlin · 18 Jul 2006 at 13:51

Nathan said:
LOL! new bumper needed ?

Na, was a company car so I got it bodged by chipsaway.

Siliconslave · 18 Jul 2006 at 14:05

nuts - the ladys now claiming that she has two "bolt holes" in the bonnet of the car, shoulda taken photos of the damn thing, but there are a no sodding bolts sticking out of the bumper on a celica (new shape one - grrrrr)

And to top it all off theres reason i was in their in the first place - it seems that while replacing the front disks, kwik fit in basingstoke (which my gf seems to like for some reason) managed to severly dent the front two alloys

and now their claming that it wasn't them - it was in toyota for a full service the morning befor, drove fine to them, then started shaking about afterwards damn it!