Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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They will always find out.
Elephant charged me for an accident I didn't declare only to realise it was after the 3 year cut off point, so refunded me.
The question I got aaked was:
''have you had any accidents/made any claims in the last 3 years, regardless of fault?''
Plain and simple, you need to declare them whether it was your fault or not and whether you went through your insurance or theirs.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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but if you go through the other parties insurance, you arent claiming. the claim is in their name.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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I beg to differ. The non fault parties name will be on file somewhere.
I wish it wasn't like this as I could have saved a few hundred quid, but it is.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
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Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by Ian
Fad - they ask if you've had claims, not how you went about them.
If you manage to negotiate it well done, the rest of us get asked, tell the truth and pay more.
when asked if youve made any non fault claims, it means a claim on your own policy.
if someone crashes into you and you claim on your own policy, then your insurer reclaims the cost from the other insurer this is a non fault claim that you have made on your policy and have to declare. there are 2 claims being made, one by you on your policy and one by the third party on theirs.
if someone crashes into you and you dont contact your insurer at all, but get in touch with the other insurer, an accident management company or either of these get in touch with you and you claim directly from the third party insurer then it isnt necesary to declare this as a non fault claim.
theres no databases kept which list you as the person making the claim, because you aren't. youre involved in a single claim being made in the name of the third party driver on their policy.
even if youre both insured with the same company, there is no claim recorded in your name. no need to declare, fact.
See this is what I was getting at!
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by LeeM
ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
Just because you've worked somewhere doesn't mean you know everything.
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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quote:
Originally posted by Ben G
quote:
Originally posted by LeeM
ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
Just because you've worked somewhere doesn't mean you know everything.
Just because you bought an Orange ST doesn't mean everyone will copy you....
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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but ive worked in car insurance for 4 years, i dont know everything but i know about that.
youre interpreting something the wrong way, the way they word it is deliberately misleading so that people will willingly allow their policy to be increased unnecessarily.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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So has Ben G been getting ass raped by his insurance company for the last few years?? That what you are saying??
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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quote:
Originally posted by LeeM
but ive worked in car insurance for 4 years, i dont know everything but i know about that.
youre interpreting something the wrong way, the way they word it is deliberately misleading so that people will willingly allow their policy to be increased unnecessarily.
Lee Lee Lee you don't understand fella, in Ben's eyes 4 years isn't enough for you to voice your opinion.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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So if I make a claim, I'm not making a claim?
Really?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Corsa_Sport21
So has Ben G been getting ass raped by his insurance company for the last few years?? That what you are saying??
im saying its easily misinterpreted.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ian
So if I make a claim, I'm not making a claim?
Really?
as long as it doesnt involve your insurer, no. theres one claim set up in the name of the policy holder, your losses are included in their claim.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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Makes sense to me LeeM.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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I can see the thing about claiming on the third party's policy, I'm fully with what you're saying. I just wouldn't be comfortable interpreting the question in my favour when its not really asking that.
Next time I'll ask for clarification and see what they say, I would guess there will be further smoke and mirrors.
In your many years of working in the industry could you not have lobbied your seniors for more clarity? Its clearly entirely deliberate.
May also mean that a lot of people are paying too much? There's a PPI claimback if ever I saw one.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by CORSA NUT
quote:
Originally posted by Ben G
quote:
Originally posted by LeeM
ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
Just because you've worked somewhere doesn't mean you know everything.
Just because you bought an Orange ST doesn't mean everyone will copy you....
Whats that got to do with insurance?
No need for shit like this in here. Just trying to bait me into retaliating. Give it a rest.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Also lee, i'm not saying you're incorrect. I'm saying my insurance company has worded it in a way which means I am uncomfortable with not declaring my non fault accidents incase they cancel my policy after finding out.
I don't want a black mark against my name when applying for future insurance.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ian
I can see the thing about claiming on the third party's policy, I'm fully with what you're saying. I just wouldn't be comfortable interpreting the question in my favour when its not really asking that.
Next time I'll ask for clarification and see what they say, I would guess there will be further smoke and mirrors.
In your many years of working in the industry could you not have lobbied your seniors for more clarity? Its clearly entirely deliberate.
May also mean that a lot of people are paying too much? There's a PPI claimback if ever I saw one.
its all about the money 
its completely an issue which needs to be addressed, i might email the daily mail
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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quote:
Originally posted by Ben G
quote:
Originally posted by CORSA NUT
quote:
Originally posted by Ben G
quote:
Originally posted by LeeM
ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
Just because you've worked somewhere doesn't mean you know everything.
Just because you bought an Orange ST doesn't mean everyone will copy you....
Whats that got to do with insurance?
No need for shit like this in here. Just trying to bait me into retaliating. Give it a rest.
I'm sick of your 'Big I Am' smart arse fucking comments so I'll just annoy you each time you do it. Tin foil hat = Orange ST
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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Also Ben you've had what..1-2 jobs in your life?? which makes you an expert on everything.
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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LeeM, makes sense what you're saying, I wouldn't declare in that scenario. But what about when someone crashes into you, and their insurance company contacts your insurance in an attempt to claim half the settlement given half of them won't just roll over and pay out? Even if its obviously not your fault everybody argues its never 'their' fault these days.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by CORSA NUT
quote:
Originally posted by Ben G
quote:
Originally posted by CORSA NUT
quote:
Originally posted by Ben G
quote:
Originally posted by LeeM
ok, you've worked in the industry a while have you?
the name of the non fault party will be on the file yeah, so will lots of other names involved in the claim. but the person who made the claim will be the at fault driver.
Just because you've worked somewhere doesn't mean you know everything.
Just because you bought an Orange ST doesn't mean everyone will copy you....
Whats that got to do with insurance?
No need for shit like this in here. Just trying to bait me into retaliating. Give it a rest.
I'm sick of your 'Big I Am' smart arse fucking comments so I'll just annoy you each time you do it. Tin foil hat = Orange ST
You're the one following me round the forum, stalking me and going off topic in threads.
If you have a problem with me then I suggest you u2u Ian.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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quote:
Originally posted by CORSA NUT
I'm sick of your 'Big I Am' smart arse fucking comments so I'll just annoy you each time you do it. Tin foil hat = Orange ST
So report it or shut up, don't turn the thread to shit because you've got a bee in your bonnet.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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quote:
Originally posted by CORSA NUT
Also Ben you've had what..1-2 jobs in your life?? which makes you an expert on everything.
Some proper stale grudges going on here put it away.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Summary - I agree with Lee but the question have I claimed doesn't discriminate upon whose policy I claimed on.
Clearly obfuscared, clearly they're bumming lots of people, clearly my advice still stands, if you can avoid that gang of sharks, do so.
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