I hit another car...err...help.

You need to make a decision quickly as your insurance company expect you to adivise them of the incident within a certain timeframe, usually 24/48 hours.
If you claim after this time, some of them get "funny", refuse your claim, but log the accident - which will increase your premiums on next renewal.
 
When they ask "have you had an accident in past 5 years" is one expected to say yes? When they were not in the car at the time and are totally not at fault?

Just a question.
 
jaybee said:
White is actually one of the hardest colours to get right from what I understand. Allwhite mate?

Personally I'd be looking at availability of doors for that model on ebay and seeing how much they are, then go from there. If the door is more than your excess, I probably wouldn't bother. It's not just the excess over time though. Premiums will be higher for up to 5 years potentially.
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You don't pay the excess on 3rd party repairs anyway, only your own, so it's not really relevant unless he's planning to claim for his own damage as well.

cu3ed said:
Wonders if my no claims protection will...ya know..actually help..at all.
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Of course it will, you'll keep your NCD.

You will still have to declare the claim though, so your premium will increase regardless.




I've never understood* the logic behind being able to protect your NCD - it's a discount for being able to show you're a safer driver, by having no claims, but if you're able to pay extra to not lose it even when you do make a claim then it's somewhat irrelevant.



* that's a lie, I do understand it completely, it's just another moneymaking idea from the insurance companies - basically insurance for your insurance. Doesn't change the fact it makes no practical sense when considering what NCD is supposed to be for :p
 
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Okay so I phoned in today, the girl on the phone was a little confused as I wasn't making a claim, just letting them know what was going on, she said that was fine, but its up to the other driver to actually make the claim from her own insurance, which I assume means they pass it onto them to settle the bill etc.
 
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cu3ed said:
Okay so I phoned in today, the girl on the phone was a little confused as I wasn't making a claim, just letting them know what was going on, she said that was fine, but its up to the other driver to actually make the claim from her own insurance, which I assume means they pass it onto them to settle the bill etc.
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I might be wrong, but I'm pretty sure that's not how it works. As it's clearly your fault, she should be claiming directly from your insurance - the only involvement her insurance needs is to be informed of the accident.

That's exactly why you exchange insurance details at an accident, so they can contact your insurer (although in most accidents it's not so clear whose fault it was so in many cases it may be easier for each driver to contact their own insurance and fight it out)
 
Haggisman said:
I might be wrong, but I'm pretty sure that's not how it works. As it's clearly your fault, she should be claiming directly from your insurance - the only involvement her insurance needs is to be informed of the accident.

That's exactly why you exchange insurance details at an accident, so they can contact your insurer (although in most accidents it's not so clear whose fault it was so in many cases it may be easier for each driver to contact their own insurance and fight it out)
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I was told ( family member) that yes, they call their own insurance and give all my details then its up to them to go back and forth to sort it.
 
cu3ed said:
I was told ( family member) that yes, they call their own insurance and give all my details then its up to them to go back and forth to sort it.
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I believe that is correct. You deal with your insurer and the insurers deal with each other.

Your protected NCD will retain your discount... but that discount will now be against an increased insurance premium because you've had a claim. Or in short, you'll end up paying more but not as also losing a couple of years NCD as well.
 
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lordrobs said:
I believe that is correct. You deal with your insurer and the insurers deal with each other.

Your protected NCD will retain your discount... but that discount will now be against an increased insurance premium because you've had a claim. Or in short, you'll end up paying more but not as also losing a couple of years NCD as well.
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\Meh...everyone seems to be currently getting ripped off by renewal quotes right now lol.
 
tom_e said:
Yes
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But why?

One having an accident is != someone else having an accident and hitting one's car.

Truck drove into my car. I personally have NOT had an accident as the car was parked unattended.

So if asked, have I personally had an accident. I'd have to be truthful. And answer no.
 
Penfold101 said:
I wrote mine off in July this year by turning into a side road and going on the wrong side straight into a car coming the other way.

I just gave all the details to my insurance and let them handle everything as that’s what I’ve paid them for all these years. As I immediately admitted liability (all photos showed my car on the wrong side of the road…) they paid me out within a week. I’ve no idea what happened with the other car, apart from it was written off too.

Haven’t spoken to them since which is ideal.

Interestingly, the car was MOT’d a few weeks ago…
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Are you one of those that cut like to cut the corner into a side road which was why you were on the wrong side of the road?
 
Diagro said:
But why?

One having an accident is != someone else having an accident and hitting one's car.

Truck drove into my car. I personally have NOT had an accident as the car was parked unattended.

So if asked, have I personally had an accident. I'd have to be truthful. And answer no.
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To be fair if they used the wording exactly as you've written it then you probably could get away with saying no, but their wording covers a bit more than that generally.
 
Haggisman said:
I might be wrong, but I'm pretty sure that's not how it works. As it's clearly your fault, she should be claiming directly from your insurance - the only involvement her insurance needs is to be informed of the accident.

That's exactly why you exchange insurance details at an accident, so they can contact your insurer (although in most accidents it's not so clear whose fault it was so in many cases it may be easier for each driver to contact their own insurance and fight it out)
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Yeah you're wrong mate, I crashed into someone 13 years ago, and never told my company, when I rang up to change my insurance to my new car, they kicked off, I said I didn't realise I had to tell you if I wasn't claiming about my car and had scrapped it... They said no you have to tell us regardless about any accident, it must be reported.
Having briefly worked in car insurance years later this still seems to be the case. As regardless something still happened, doesn't matter who was at fault.
 
keef247 said:
Yeah you're wrong mate, I crashed into someone 13 years ago, and never told my company, when I rang up to change my insurance to my new car, they kicked off, I said I didn't realise I had to tell you if I wasn't claiming about my car and had scrapped it... They said no you have to tell us regardless about any accident, it must be reported.
Having briefly worked in car insurance years later this still seems to be the case. As regardless something still happened, doesn't matter who was at fault.
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I did say she needs to inform her own insurance company ;) but she isn't claiming from them - if she does then she'll have to pay her excess and then claim it back later. She's claiming from the OP's insurance and doing it via a 3rd party (her own insurance) just adds an extra layer of admin, meaning costs, delays, and chinese whispers
 
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Haggisman said:
I did say she needs to inform her own insurance company ;) but she isn't claiming from them - if she does then she'll have to pay her excess and then claim it back later. She's claiming from the OP's insurance and doing it via a 3rd party (her own insurance) just adds an extra layer of admin, meaning costs, delays, and chinese whispers
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I'm so confused :cry: , my bad if I got it wrong, my point was simply both people regardless of fault have to tell their company somethign has happened, even if not claiming.
 
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Bear said:
Are you one of those that cut like to cut the corner into a side road which was why you were on the wrong side of the road?
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Nope, it was just the early hours of the morning as I was on my way back from work and I just had a moment where I messed up. Been driving for over 20 years without anything like this happening. No excuses, just my mistake.
 
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