BoldonLad
Not part of the Elite
- Location
- South Tyneside
I would agree, it is clearly called a No Claim Discount, not a No Blame Discount.
Car Crash advice needed!
- Thread starter david k
- Start date
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I would agree, it is clearly called a No Claim Discount, not a No Blame Discount.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
What ever happens let the insurance know. My son ran over a truck axel on a motorway (as did quite a few other drivers) - truck in front shat it. All reported, but the haulage company denied everything, so my son just repaired his car (broken wheel and subframe) It still showed up on the insurance renewal even though he didn't claim - it's on every database these days. Was a slight increase. If you want to keep the car try and repair yourself, otherwise it will be written off at that age/value. Or get a payout and fix.
OP
OP
david k
Hi
- Location
- North West
Update, they've said they will pay for damage either by repair or simply pay out.
We've said by pay out, it will go in a pot for next year's insurance!!
We've said by pay out, it will go in a pot for next year's insurance!!
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
Good. Bit of elbow grease can get some damage looking lots better on an old car and spray paints are a good match these days. Repainted the Aygo's front bumper a few months ago as the Lacquer started to peal due to age/UV.
OP
OP
david k
Hi
- Location
- North West
Noted, but there is no claim against his insurance, we are dealing direct with theirs so hopefully not affected.
It will be on the system and can well cause a increase in premium, sorry to bring bad news.
OP
OP
david k
Hi
- Location
- North West
I realise that, sad but true, at least it shouldn't affect his no claims bonus
Drago
Legendary Member
- Location
- Suburban Poshshire
The tell you that, but the Financial Ombudsman says otherwise.
presta
Guru
What does he say?
OP
OP
david k
Hi
- Location
- North West
Another update - oh the stress!!
Their insurance has now contacted our insurance to say it was my lads fault.
His insurance are now blaming him, he has told them about the witness and the other car occupant so should be able to defend this. They are also claiming he didn't inform them previously about a moped theft 3 years ago, I'm sure he did because I remember discussing at the time.
He is worried they will cancel his insurance which will lose his job, people shouldn't be put through this worry and stress
Their insurance has now contacted our insurance to say it was my lads fault.
His insurance are now blaming him, he has told them about the witness and the other car occupant so should be able to defend this. They are also claiming he didn't inform them previously about a moped theft 3 years ago, I'm sure he did because I remember discussing at the time.
He is worried they will cancel his insurance which will lose his job, people shouldn't be put through this worry and stress
figbat
Slippery scientist
- Location
- South Oxfordshire, UK
Presumably your son should somewhere have a copy of his insurance particulars that were given at the time of taking out the policy - it should state on there what answers were given to what questions, or at least what was used as the basis for issuing the policy.
OP
OP
david k
Hi
- Location
- North West
Yes it must be somewhere and there is a chance he may have left it off, if so nothing he can do now and he runs the risk of them cancelling. I assume if they say they didn't know then he mustn't have made it known? An error but again frustrating as the theft was not his fault, times like this you feel the world is against you.
The immediate concern is the lady blaming him for something that isn't his fault, he should not have to be responsible for something that isn't his fault. Regardless of the footage being corrupted which will will try to recover is he has a passenger as a witness and an independent witness from the car behind.
He is very stressed and upset as am I
OP
OP
david k
Hi
- Location
- North West
Something odd going on.....
He has phoned the ladys insurance who agree she has accepted full repsonsibility and they contacted our insurance to inform them.
Our insurance saying he may be at fault and they will send to a third party who will make the decision?
We now trying to phone them back to understand why they are doing this?
Also been in touch with a company to recover the SD card data, but pricy, starts at £150 but only pay if they manage it, its worth the money for piece of mind.
He has phoned the ladys insurance who agree she has accepted full repsonsibility and they contacted our insurance to inform them.
Our insurance saying he may be at fault and they will send to a third party who will make the decision?
We now trying to phone them back to understand why they are doing this?
Also been in touch with a company to recover the SD card data, but pricy, starts at £150 but only pay if they manage it, its worth the money for piece of mind.
BoldonLad
Not part of the Elite
- Location
- South Tyneside
A thought. Does his policy include legal cover/advice? May be worth a conversation with them?
OP
OP
david k
Hi
- Location
- North West
After several phone calls it seems her I surance agree it's her fault but she has contested it. So the first notification to our insurance was it was his fault, they have since agreed to pay him but haven't updated his insurance. They said they will send an email once they sort it with heir client.
So can breath for now but waiting to see if she accepts or her insurance pursue regardless
We have shared witness details so now have to wait
