Please can any of you insurance gurus help a brother out?
I crashed into a wall on 1/1/10. Reported it to the police who didn't really want to know; they were inundated with calls as it was new year and probably a whole bunch of drunks to deal with. Gave the residents of the council house my details. It is a social house for immigrants and they didn't speak english very well. They didn't even know what I did until I knocked their door. I'm hoping they lost my details and didn't report it to the council. The car was scrapped and I got a new car.
Anyway, I called Admiral today to find out if anyone had claimed yet and they said that nothing had come through so I had the case closed down. Good news for me because my insurance is coming up to renewal in August and I get to keep my NCB. Apparently, though, Lambeth have 3 years to make their claims. I'm just hoping they are as inept at this as they are at housing.
So what happens if I change insurance company and Lambeth make a claim two/three years down the line? What company would pay for the damage? What would happen to my NCB? The car doesn't even exist in my name anymore. Admiral didn't know the answer after putting me on hold for 10 minutes. They did say that they would probably contest the claim due to the accident being so long ago as they might be claiming for some damage that might not have been caused by me (weather, kids playing, don't know?).
I crashed into a wall on 1/1/10. Reported it to the police who didn't really want to know; they were inundated with calls as it was new year and probably a whole bunch of drunks to deal with. Gave the residents of the council house my details. It is a social house for immigrants and they didn't speak english very well. They didn't even know what I did until I knocked their door. I'm hoping they lost my details and didn't report it to the council. The car was scrapped and I got a new car.
Anyway, I called Admiral today to find out if anyone had claimed yet and they said that nothing had come through so I had the case closed down. Good news for me because my insurance is coming up to renewal in August and I get to keep my NCB. Apparently, though, Lambeth have 3 years to make their claims. I'm just hoping they are as inept at this as they are at housing.
So what happens if I change insurance company and Lambeth make a claim two/three years down the line? What company would pay for the damage? What would happen to my NCB? The car doesn't even exist in my name anymore. Admiral didn't know the answer after putting me on hold for 10 minutes. They did say that they would probably contest the claim due to the accident being so long ago as they might be claiming for some damage that might not have been caused by me (weather, kids playing, don't know?).
