jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Anyone had any experience with none fault claims being declared on there insurance?
A woman reversed into my car a xmas, told me to get a quote to fix it and send it to her. So i have, but its close to £1k so she isnt too keen on just paying that outright.
She want to go through insurance, but i know you have to declare none fault claims, which will probably put up my insurance
Obviously im not going to phone them up and ask! So anyone any experience with prices going up etc?
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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Premiums will go up aye, not sure what else to say!
My missus got driven into by somebody on the 6th day of the 7 days free dealership insurance after getting a brand new Corsa.
Obviously we'd been getting quotes for the "proper" insurance all week, but hadn't signed up yet. The quotes we were getting were all about £30p/month and after the shunt - the cheapest we could get was £45p/month 
Lotus Elise 111R
Impreza WRX STi
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andys sxi
Premium Member
Registered: 19th Jan 06
Location: Chester Drives:Scirocco tdi bluemotion
User status: Offline
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dont care what anybody says none fault claims will make it dearer on the insurance for the first couple of years
April 08 feature car
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Great, so because someone couldn't stop in time when I was stopped I have to pay for that
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FlaFFy_91
Premium Member
Registered: 30th Sep 08
Location: Formby, Merseyside
User status: Offline
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Cost me a extra 800 quid on the beefs jack
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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if she just forwards the bill to her insurer to deal with it and your insurer doesnt get involved then its not declareable. its her making a claim for your car.
a non fault claim is when you personally make a claim on your own policy thats not your fault
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Is that right? ^
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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yes, if the claim isnt in your name you havent made a claim.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Not sure about that myself tbh.
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by pow
Great, so because someone couldn't stop in time when I was stopped I have to pay for that
This winds me up so much. Surely its daylight robbery! I wouldn't go into a shop and charge them for something I'm taking!!
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by LeeM
yes, if the claim isnt in your name you havent made a claim.
I agree with this and you know because you worked there but does that still hold true Lee?
The new questions I've seen cover being involved in anything at all, declared or not, fault or not, etc etc.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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It says "have you been involved in any accidents regardless of fault", how could you say no when you have?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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if youd had a crash and dealt outside of insurance would you answer yes to that question?
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Been thinking about that. Its all good sending them a bill for there insurance to pay. But i guess there insurance will need a reg of the car they are paying for. Which will be then recorded on that insurance database they have right?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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its just wording, and them asking questions that rely on your unnecessary honesty
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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also the only databse of vehicle registrations is the MIAFTR (motor insurers anti fraud and theft register) and cars only go on this when theyve been recorded as a total loss
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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Lee what about the Cache/PI database? That records vehicle registrations.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Quick google - CUE database?
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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Granted it does not record damage or if a vehicle is a total loss. But it does record that a vehicle identified by the registration has been involved in an accident.
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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quote:
Originally posted by Brett
Quick google - CUE database?
This. Same as the one I mentioned.
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bigron1988
Member
Registered: 29th Aug 09
Location: Southport, Merseyside
User status: Offline
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lee is right , my first non fault accident i didnt deal with my insurance i just got there insurance to pay and fix it, second time they argued it so my insurance got involved, i only have to declare the second one as the insurance dont even know bout the first one
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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they shouldnt be putting third party vehicles onto that, only their own policy holders vehicles
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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that may be different now though. i'll ask my mate who still works claims at esure and see what he says
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Such a minefield, there's no wonder the costs escalate every year and people don't always declare what they are supposed to declare, it's so confusing!
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by bigron1988
lee is right , my first non fault accident i didnt deal with my insurance i just got there insurance to pay and fix it, second time they argued it so my insurance got involved, i only have to declare the second one as the insurance dont even know bout the first one
Has the insurance company or something official told you this or is that just you doing that, them not mentioning the other and you assuming it's ok? Doesn't mean it's right.
I understand Lee's worked in the industry whenever that was, but lying is lying and if found out then I assume that'd void your policy potentially when you're hoping for a payout.
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