Bugger!

teaston · 06-21-2018, 11:43 AM

Quote:

Originally Posted by Jeff123

Quote:

Originally Posted by pdk42

As a counter point here... someone rear-ended me a few years back. I was stationary and the driver admitted liability immediately. Their insurance organised repair within a day and my policy hardly changed at all.

Same here, you might not have to pay an increased premium.

I've just been to Coopers Body Centre and the estimator told me I don't need to tell my insurance company about this even at renewal time because I'm going to get it done through their accident management company!?

:

KCH1984 · 06-21-2018, 11:47 AM

I always thought you were caught by "any claims OR accidents in last 5 years" so technically if you've had a no-fault accident such as Teaston's you're supposed to declare it, whether your insurance company was involved or not.

teaston · 06-21-2018, 11:49 AM

Quote:

Originally Posted by KCH1984

I always thought you were caught by "any claims OR accidents in last 5 years" so technically if you've had a no-fault accident such as Teaston's you're supposed to declare it, whether your insurance company was involved or not.

That's what I thought too. He's a very experienced older guy so it has got me thinking if you do need to declare it.

Soul_Glo · 06-21-2018, 11:50 AM

People get penalised for non fault claims. This is the dumbest shit ever. The insurance industry is a ducking shambles. Feel your pain mate. Mine is in the body shop and should be ready end of next week. I decided to go via insurance. Gave the stuff back to the breakers and he refunded me. It's a 3-4 day job and I am not happy with the 8 day turn around. All hell will break loose if it is not done by then. At least yours looks repairable but why should you out of your own pocket?! Probably if you are worried about your premium I guess.

chris-c · 06-21-2018, 12:04 PM

I'm 99% sure you DO need to declare it. Insurers share details so you claim on the 3rd parties insurance and they will note that you've had a no fault claim.

If they say "have you had any accidents that were not your fault in the last five years regardless of if a claim was made" and you say "nope" you'll be committing insurance fraud and if one day you needed a big claim they might look into the past and screw you.

Soul_Glo · 06-21-2018, 12:11 PM

The only way you might get away with it is... by saying: "I am reporting this for information only and do not wish to claim." It won't count unless the third party has a successful claim which is unlikely as you have footage. However, the third party has up to 3 years to make a claim. Again... that won't be successful so long as you keep copies of that footage. Usually a third party that is guilty and knows their claim will not hold up is not dumb enough to put a claim in. This is only worth it for minor stuff. I am claiming on mine for the first time in 30 years and as much as I don't want to, that is what it is there for.

teaston · 06-21-2018, 12:16 PM

Quote:

Originally Posted by chris-c

I'm 99% sure you DO need to declare it. Insurers share details so you claim on the 3rd parties insurance and they will note that you've had a no fault claim.

If they say "have you had any accidents that were not your fault in the last five years regardless of if a claim was made" and you say "nope" you'll be committing insurance fraud and if one day you needed a big claim they might look into the past and screw you.

Yes i suppose you're right. Oh well even if it adds £100 to my annual premium it's still only about £9pm which is F all compared to paying for this out of my insurance and paying the £250 excess.

Hooded · 06-21-2018, 12:17 PM

It's not a case of if you've had a claim in the last 5 years .. if you've been in an accident in the last 5 years and your insurance have been notified about it then it's logged on the insurance database that you've been in a none fault accident.. this usually does add a little to your insurance premiums unfortunately

Just to add.. I did a price comparison site quote for a friend recently and it said if you've been in an accident and haven't claimed you still must declare it.

chris-c · 06-21-2018, 12:20 PM

I totally and utterly do NOT agree with it but the second one insurance company knows I juts assume they all know. They'd be stupid not to.

With full evidence you might get lucky. When I was younger I managed to stuff a car into a tree on ice within 2 weeks of passing my test then a few weeks later I came to renewal. That HURT. Age 18 with a claim already. Then a year later some guy drove out of their driveway onto the road where I was waiting at some traffic lights. That put my insurance up then 6 months later some dithering old guy drove straight into the same side on a roundabout because he forgot where he was going.

By age 20 I had to drive because I couldn't walk due to all of the ass ramming the insurance companies did to me

6times7 · 06-21-2018, 01:45 PM

Proper dopey cnut - looks like they caught you and kept going to get the most damage possible from the situation!

Can you claim the cost of increased future premiums from the other parties insurance?

Junebug85 · 06-21-2018, 02:03 PM

That sucks! Sorry to hear/see that.

Did they protest or admit their wrong doing?

This kind of stuff causes unesseccary hassle and stress.

aquazi · 06-21-2018, 02:15 PM

Ouch.... just a massive hassle - but atleast no injuries and the dashcam has paid for itself!

planemad · 06-21-2018, 02:33 PM

I know of a case where the 3rd party insurer was taken to a small court for this insurance premium rises after a non fault claim.
After a non fault accident a bloke my old man knocks around with (who is a barrister and member of the Bar) had his next year premium by his normal insurer put up by £200.
He did the quote online declaring the non fault and then did the same quote without declaring and the difference was £200.

He then served a claim against the 3rd party insurer at the small claims court for the loss he incurred as a result of the accident in addition to the car damage.

Obviously he has the know how and the legal PAs to write all the letters at little costs but he settled it out of the court and got circa £1200 in full and final settlement for any losses that may occur in respect of the non fault claim.

teaston · 06-21-2018, 03:06 PM

Quote:

Originally Posted by Junebug85

That sucks! Sorry to hear/see that.

Did they protest or admit their wrong doing?

This kind of stuff causes unesseccary hassle and stress.

He was a complete dopey geek, he mumbled something about the new roundabout layout being confusing but that was it.

philiper1 · 06-21-2018, 03:10 PM

Quote:

Originally Posted by teaston

Quote:

Originally Posted by philiper1

How unfortunate, whereabouts was this?

Great Yarmouth North quay roundabout

The one with new lane designs? If so, numerous accidents since opened

teaston · 06-21-2018, 03:15 PM

Quote:

Originally Posted by philiper1

The one with new lane designs? If so, numerous accidents since opened

Yes that’s the one. I didn’t realise there’s been a lot of accidents on it already!

Is it you that works in Havenbridge house?

philiper1 · 06-21-2018, 04:11 PM

Quote:

Originally Posted by teaston

Quote:

Originally Posted by philiper1

The one with new lane designs? If so, numerous accidents since opened

Yes that’s the one. I didn’t realise there’s been a lot of accidents on it already!

Is it you that works in Havenbridge house?

Yep

teaston · 06-21-2018, 04:14 PM

Quote:

Originally Posted by philiper1

Yep

It was bloody mayhem around there this afternoon, I think the bridges opened twice, it buggered yarko for ages!

philiper1 · 06-21-2018, 04:15 PM

Quote:

Originally Posted by teaston

Quote:

Originally Posted by philiper1

Yep

It was bloody mayhem around there this afternoon, I think the bridges opened twice, it buggered yarko for ages!

Utter madness, I went through side roads and avoided it all

Kal101 · 06-21-2018, 04:18 PM

Yes you do ge5 some dopey twats.

Mrs had an idiot drive into her at a roundabout couple of years back and all our premiums went up.

We’ve got a few new Lane changes round here as well with the inside and outside lanes going right - get some twats doing this now on “normal” roundabouts and cutting across you if you’re going straight.

Council have used different style dashes to try and indicate chosen lanes on roundabouts which just look confusing.

MashinBenzin · 06-21-2018, 04:30 PM

Quote:

Originally Posted by planemad

I know of a case where the 3rd party insurer was taken to a small court for this insurance premium rises after a non fault claim.
After a non fault accident a bloke my old man knocks around with (who is a barrister and member of the Bar) had his next year premium by his normal insurer put up by £200.
He did the quote online declaring the non fault and then did the same quote without declaring and the difference was £200.

He then served a claim against the 3rd party insurer at the small claims court for the loss he incurred as a result of the accident in addition to the car damage.

Obviously he has the know how and the legal PAs to write all the letters at little costs but he settled it out of the court and got circa £1200 in full and final settlement for any losses that may occur in respect of the non fault claim.

This is very interesting!

shao_khan · 06-21-2018, 04:36 PM

Im not looking forward to next years renewals.

2018 so far has brought me the following:
Household claim - Watermain burst on my side of the meter
Household claim - Burgled
330d - Stolen recovered
M2 - Stolen recovered

I hate insurers - they are quick tot ake the money and total shite at paying it out again, not one of these was my fault, but in all cases I was treated worse than I've seen some criminals get. Legalised scum.

Oh yeah and they'll be raping me next year.

06-21-2018, 11:47 AM	#24
KCH1984 Major 952 Rep 1,447 Posts Drives: Tesla Model Y LR Join Date: Jan 2017 Location: Glasgow, Scotland iTrader: (0)	I always thought you were caught by "any claims OR accidents in last 5 years" so technically if you've had a no-fault accident such as Teaston's you're supposed to declare it, whether your insurance company was involved or not. __________________ Gone: G05 X5 40d M Sport, F15 X5 30d M Sport, F30 330d xDrive, F21 M135i, E87 123d
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06-21-2018, 11:50 AM	#26
Soul_Glo Major General 13347 Rep 7,484 Posts Drives: G20 Join Date: May 2013 Location: Manhattan, NYC iTrader: (1)	People get penalised for non fault claims. This is the dumbest shit ever. The insurance industry is a ducking shambles. Feel your pain mate. Mine is in the body shop and should be ready end of next week. I decided to go via insurance. Gave the stuff back to the breakers and he refunded me. It's a 3-4 day job and I am not happy with the 8 day turn around. All hell will break loose if it is not done by then. At least yours looks repairable but why should you out of your own pocket?! Probably if you are worried about your premium I guess.
	Appreciate 0 Quote

06-21-2018, 12:04 PM	#27
chris-c Lieutenant Colonel 901 Rep 1,801 Posts Drives: F31 340i RWD Join Date: Feb 2018 Location: Kent iTrader: (0)	I'm 99% sure you DO need to declare it. Insurers share details so you claim on the 3rd parties insurance and they will note that you've had a no fault claim. If they say "have you had any accidents that were not your fault in the last five years regardless of if a claim was made" and you say "nope" you'll be committing insurance fraud and if one day you needed a big claim they might look into the past and screw you.
	Appreciate 1 Soul_Glo13347.00 Quote

06-21-2018, 12:11 PM	#28
Soul_Glo Major General 13347 Rep 7,484 Posts Drives: G20 Join Date: May 2013 Location: Manhattan, NYC iTrader: (1)	The only way you might get away with it is... by saying: "I am reporting this for information only and do not wish to claim." It won't count unless the third party has a successful claim which is unlikely as you have footage. However, the third party has up to 3 years to make a claim. Again... that won't be successful so long as you keep copies of that footage. Usually a third party that is guilty and knows their claim will not hold up is not dumb enough to put a claim in. This is only worth it for minor stuff. I am claiming on mine for the first time in 30 years and as much as I don't want to, that is what it is there for.
	Appreciate 0 Quote

06-21-2018, 12:17 PM	#30
Hooded Banned 1669 Rep 3,967 Posts Drives: F30 330d M-Sport Join Date: Apr 2017 Location: England iTrader: (0)	It's not a case of if you've had a claim in the last 5 years .. if you've been in an accident in the last 5 years and your insurance have been notified about it then it's logged on the insurance database that you've been in a none fault accident.. this usually does add a little to your insurance premiums unfortunately Just to add.. I did a price comparison site quote for a friend recently and it said if you've been in an accident and haven't claimed you still must declare it.
	Appreciate 0 Quote

06-21-2018, 12:20 PM	#31
chris-c Lieutenant Colonel 901 Rep 1,801 Posts Drives: F31 340i RWD Join Date: Feb 2018 Location: Kent iTrader: (0)	I totally and utterly do NOT agree with it but the second one insurance company knows I juts assume they all know. They'd be stupid not to. With full evidence you might get lucky. When I was younger I managed to stuff a car into a tree on ice within 2 weeks of passing my test then a few weeks later I came to renewal. That HURT. Age 18 with a claim already. Then a year later some guy drove out of their driveway onto the road where I was waiting at some traffic lights. That put my insurance up then 6 months later some dithering old guy drove straight into the same side on a roundabout because he forgot where he was going. By age 20 I had to drive because I couldn't walk due to all of the ass ramming the insurance companies did to me
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06-21-2018, 01:45 PM	#32
6times7 Second Lieutenant 137 Rep 257 Posts Drives: F31 330d Join Date: Aug 2016 Location: UK iTrader: (0)	Proper dopey cnut - looks like they caught you and kept going to get the most damage possible from the situation! Can you claim the cost of increased future premiums from the other parties insurance?
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06-21-2018, 02:03 PM	#33
Junebug85 Colonel 1615 Rep 2,272 Posts Drives: BMW 540i xDrive - M Sport Plus Join Date: Nov 2013 Location: UK iTrader: (0)	That sucks! Sorry to hear/see that. Did they protest or admit their wrong doing? This kind of stuff causes unesseccary hassle and stress. __________________ IG: project540ix G30 540i xDrive / Stage 3 via BM3 / xHP Stage 3 / Pure 800 Cast Turbo / 5" Catted Downpipe / MST Intake / Remus Exhaust / MSS Springs / 19" JR SL01 & Conti SC7 / 20" BBS CI-R & Michelin PS4S / F90 Sway Bars & Braces / Lots of Gloss Black
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06-21-2018, 02:15 PM	#34
aquazi Major 461 Rep 1,303 Posts Drives: 18 M4C Join Date: Nov 2017 Location: Sutton coldfield iTrader: (0)	Ouch.... just a massive hassle - but atleast no injuries and the dashcam has paid for itself!
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06-21-2018, 02:33 PM	#35
planemad Lieutenant Colonel 773 Rep 1,643 Posts Drives: 2020 Audi SQ7 & 2019 AM DB11 Join Date: Mar 2013 Location: The Democratic Peoples Republic Of South East England iTrader: (0)	I know of a case where the 3rd party insurer was taken to a small court for this insurance premium rises after a non fault claim. After a non fault accident a bloke my old man knocks around with (who is a barrister and member of the Bar) had his next year premium by his normal insurer put up by £200. He did the quote online declaring the non fault and then did the same quote without declaring and the difference was £200. He then served a claim against the 3rd party insurer at the small claims court for the loss he incurred as a result of the accident in addition to the car damage. Obviously he has the know how and the legal PAs to write all the letters at little costs but he settled it out of the court and got circa £1200 in full and final settlement for any losses that may occur in respect of the non fault claim.
	Appreciate 3 teaston10994.50 Soul_Glo13347.00 MashinBenzin8454.50 Quote

06-21-2018, 04:18 PM	#42
Kal101 Major General 3105 Rep 7,032 Posts Drives: 335xd Msport + Join Date: Jan 2014 Location: West mids!!!! iTrader: (0) Garage List 2015 Bmw msport + 3 ... [0.00]	Yes you do ge5 some dopey twats. Mrs had an idiot drive into her at a roundabout couple of years back and all our premiums went up. We’ve got a few new Lane changes round here as well with the inside and outside lanes going right - get some twats doing this now on “normal” roundabouts and cutting across you if you’re going straight. Council have used different style dashes to try and indicate chosen lanes on roundabouts which just look confusing. __________________
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06-21-2018, 04:36 PM	#44
shao_khan Private First Class 33 Rep 116 Posts Drives: 330dxm & M2 lci Join Date: Nov 2017 Location: CC Central iTrader: (0)	Im not looking forward to next years renewals. 2018 so far has brought me the following: Household claim - Watermain burst on my side of the meter Household claim - Burgled 330d - Stolen recovered M2 - Stolen recovered I hate insurers - they are quick tot ake the money and total shite at paying it out again, not one of these was my fault, but in all cases I was treated worse than I've seen some criminals get. Legalised scum. Oh yeah and they'll be raping me next year.
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