Would you have to declare this on your insurance...

DazQ87 said:
However, for some totally unknown reason he and his parents decide that they will NOT go through the insurance (only 3rd party) and they will pay off all the costs themselves as it makes more financial sense for him to get his magical 1 years NCB. The costs are about £1800 for recovery and the sign post he took out, and on top of that his "mate" who was in the car is now going to "sue him for whiplash". Bringing the total to about £4000!
I think the black box actually had him doing a speed of 92mph before breaking to 70 and then 0 so I'm fairly sure they must be aware of some kind of accident.
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If the passenger has appointed a solicitor then the minimum (inc costs) the injury claim will cost will be £4k - that's absolute minimum.

So, I make that £5800 all in.

His parents don't appear to me to be all that mathmatically aware - 1 years ncb isn't going to cut his premiums in half - it'll likely only serve to stabilise the premium he paid this year.
 
I don't understand the confusion about this?

If he's not claiming, he will still get his 1 years no claims bonus for this year (provided his insurance company don't cancel it).

However.

He will still need to declare the accident for the next 5 years, which will increase his premiums regardless of no claims bonus.

If the black box evidence is damning enough, then it's also entirely possible he will be prosecuted for various offences, which will also put his premiums up.

What worries me the most is that his premiums may now be so high, that someone with the kind of mindset to drive like such a **** may well decide just to risk it without the insurance :(
 
Bah. I hate this person and have never met him.

Passes his test, 5 days later hes doing 90odd, crashes and then mummy and daddy fork out the bill.
 
bledd. said:
Sounds like he needs a limiter alongside the blackbox!
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Sounds more like he needs a punch in the throat. But the way the question is asked by the insurer is usually: "Have you had any accidents in the last five years, whether or not a claim was made?" If they ask him that and he says no then he is guilty of fraud, because he would be claiming an NCB that he is not entitled to. Even if they just ask him if he's had an accident, then yes, he has. And there's a load of black-box data that would be hard to explain any other way: 70-0 in ten milliseconds is way beyond any possible braking. He seems determined to compound one piece of idiocy with another. If you're going to tell lies, it's a good idea to tell ones which aren't so easy to see through.



M
 
You have to declare any incident.

My car was driven into while parked. Since the other party was prepared to handle the claim to my satisfaction I didn't involve my own insurer. At renewal time they added £30 onto the premium once I'd told them what had happened. (I suspect this is basically a penalty because if I'd let them manage the claim they'd have made some money from it).

However my ex had an accident while driving my car, I lost my NCB but since taking her off the policy ever insurer I've mentioned it to has stated it's irrelevant.
 
He'll be able to say he's made no claims, and thus keep his no claim discount, but will have to inform them of the accident as above when asked have you had any accidents in the past x years.
 
I will try and argue this case again tomorrow morning, will probably be met with the same response though. I dont think he will be on the road again any time soon fortunatly as his parents are making him pay all the money back.
 
DazQ87 said:
However, for some totally unknown reason he and his parents decide that they will NOT go through the insurance (only 3rd party) and they will pay off all the costs themselves
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If he has only third party cover, how could they possibly make a claim against their own insurance anyway?
 
I was under the impression that if you were 3rd Party then your insurance company would pay out for damage you cause to others. Such as to a sign post or injury to other parties.
 
Dogbreath said:
If he has only third party cover, how could they possibly make a claim against their own insurance anyway?
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It would cover the signpost and presumably the whiplash. Therefore, the claim would be less than £1800 rather than £4000.

I've been tempted to try one of these black box insurance policies for a laugh, and see what happens when I drive along at 170 MPH.

Regarding all the declaration rubbish, if the insurance company are never approached for a claim I would not list it as an accident.
 
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I know I'm going to look like a dodgy ***** amongst the saints of Motors here, but if I were in a similar situation and was able to settle the third party costs of an accident without involving an insurance company there is no way in earth I would declare it.

No claim, No record of accident, No care.

The blackbox and mate suing (Great mate he is by the way) distorts things slightly in this case. In fact, given the fact that the policy is only 5 days old, surely it makes more sense to claim, cancel/end the policy and then take out another? Yes, he'll have a claim down, but he'll still be building a NCB?
 
Considering it's all on the black box I wouldn't dare not declare it. It's pretty obvious what has happened looking at it so there could quite easily be legal ramifications if it's not declared.
 
Joshy said:
The blackbox and mate suing (Great mate he is by the way) distorts things slightly in this case. In fact, given the fact that the policy is only 5 days old, surely it makes more sense to claim, cancel/end the policy and then take out another? Yes, he'll have a claim down, but he'll still be building a NCB?
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Great mate? What sort of a mate endangers his passengers like this?
 
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