Member Since: 31 Aug 2015
Location: Essex
Posts: 831
Accident claim advice
A friend has had minor bump, hit in the rear. Other driver keen to deal away from Insurance. If my friend was to claim, not his fault, would there be any impact on his insurance - he has no claim protection, but any issue with future premiums being impacted because of a no fault claim?
Is it worth the risk?MY2012 D4 HSE Nara Bronze with some extra stuff
Last edited by LaserTam on 7th May 2017 8:37 pm. Edited 1 time in total
7th May 2017 8:21 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
Simple answer is if either party advise their insurer it could affect future premiums for either or both of them regardless as to who is at fault.
That's the answer without going into the rights or wrongs of any policy conditions which state you must report any accident or loss.
7th May 2017 8:35 pm
Farmer Chalk
Member Since: 06 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4195
The trouble with most policies now for the younger driver is the excess is so so high so that with a minor shunt it becomes a double whammy ...then end up paying most of the claim and lose their no claims bonus...I'd go a get a proper quote and then let them decide which way they want to go....
7th May 2017 8:45 pm
mz mini
Member Since: 02 Jul 2014
Location: Sunny Devon
Posts: 1759
I am sorry if I see things in a different way to some I have 3 top end cars all have a insurance excess of over £700 quid if I were to claim I loose the 700 quid and the premium goes up on all 7 cars .
I have a little run around van worth 300 quid.A van driver drove into the back me as I was sat a roundabout I just got out and said all ok no one hurt I am off cost me a tenner for a second hand light cluster NCD all safe 8)Land Rover 90 - deceased
Discovery 3 - deceased
Discovery 4 2013
Mini Cooper S 1964 Mk1 - International Rally winner red & white
Mini Cooper s 1964 Mk1 - Road Rally champion green & white
Mini Cooper S 1971 Mk3 - original and unrestored
Porsche 911 997
Porsche Boxster 3.4S
VW Polo 1.2
Citroen Xsara Picasso - shed/run around
7th May 2017 8:58 pm
Mogwyth
Member Since: 03 Oct 2014
Location: Pwllheli
Posts: 3976
BBDisco3 wrote:
Simple answer is if either party advise their insurer it could affect future premiums for either or both of them regardless as to who is at fault.
That's the answer without going into the rights or wrongs of any policy conditions which state you must report any accident or loss.
Didn't affect mine a couple of years ago, accident was settled 50:50, I didn't actually claim and my premium was unchanged. I was on the way to a Land rover show and we got the parts there and repaired it on the club stand.==================================
05 D3 HSE V8 4.4
04 MG TF 135
03 MG TF 115 Cool Blue Edition
02 MG TF 160
00 Hymer B564 Lionheart
1971 Series III 109
7th May 2017 9:05 pm
Grunders
Member Since: 30 Apr 2011
Location: Manchester
Posts: 2329
Even if you don't claim the insurer will still see you as a higher risk and may increase the premium on next renewal... unfair and not everyone will increase the premium... but I would take a view on the amount of damage and make a judgement on itIf it ain't broke... Take it apart anyway, how else you gonna find out how it works
7th May 2017 9:11 pm
LaserTam
Member Since: 31 Aug 2015
Location: Essex
Posts: 831
Apparently its probably need sprayed rear bumper and new plastic bottom valance - without knowing if there is any damage underneath. All happened at about 5mph tops, so unlikely.
Whats that gonna be, £500 ish? Its not a disco, but similar value car.
He is just unsure whether to take the risk the bloke will pay up.MY2012 D4 HSE Nara Bronze with some extra stuff
7th May 2017 9:14 pm
mz mini
Member Since: 02 Jul 2014
Location: Sunny Devon
Posts: 1759
How much is his excess ? might be more than the cost of any repair ? Land Rover 90 - deceased
Discovery 3 - deceased
Discovery 4 2013
Mini Cooper S 1964 Mk1 - International Rally winner red & white
Mini Cooper s 1964 Mk1 - Road Rally champion green & white
Mini Cooper S 1971 Mk3 - original and unrestored
Porsche 911 997
Porsche Boxster 3.4S
VW Polo 1.2
Citroen Xsara Picasso - shed/run around
7th May 2017 9:18 pm
LaserTam
Member Since: 31 Aug 2015
Location: Essex
Posts: 831
Excess can be claimed back though can't it, if other party accepts liability?MY2012 D4 HSE Nara Bronze with some extra stuff
7th May 2017 9:20 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
Mogwyth wrote:
BBDisco3 wrote:
Simple answer is if either party advise their insurer it could affect future premiums for either or both of them regardless as to who is at fault.
That's the answer without going into the rights or wrongs of any policy conditions which state you must report any accident or loss.
Didn't affect mine a couple of years ago, accident was settled 50:50, I didn't actually claim and my premium was unchanged. I was on the way to a Land rover show and we got the parts there and repaired it on the club stand.
How do you know it didn't affect yours?
Without the reported claim perhaps your premium would have been less than the previous year.
When you get your renewal notice it is very unlikely it will display the workings of how the premium is calculated.
7th May 2017 9:30 pm
mz mini
Member Since: 02 Jul 2014
Location: Sunny Devon
Posts: 1759
Hi Lazer I thought that but then a claim has been made and I did a load of research this weekend over this type of situation and always came back to the same result a rise in renewal costs when I had to make a claim when my M5 stolen off the drive the insurers wanted extra 20% next time as it called a no claims discount not a no blame discount ,we cant win the ball is loaded Land Rover 90 - deceased
Discovery 3 - deceased
Discovery 4 2013
Mini Cooper S 1964 Mk1 - International Rally winner red & white
Mini Cooper s 1964 Mk1 - Road Rally champion green & white
Mini Cooper S 1971 Mk3 - original and unrestored
Porsche 911 997
Porsche Boxster 3.4S
VW Polo 1.2
Citroen Xsara Picasso - shed/run around
Last edited by mz mini on 7th May 2017 9:34 pm. Edited 2 times in total
7th May 2017 9:32 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
LaserTam wrote:
He is just unsure whether to take the risk the bloke will pay up.
Just ask for money up front or other party could pay garage direct by debit/credit card.
7th May 2017 9:33 pm
mz mini
Member Since: 02 Jul 2014
Location: Sunny Devon
Posts: 1759
+1Land Rover 90 - deceased
Discovery 3 - deceased
Discovery 4 2013
Mini Cooper S 1964 Mk1 - International Rally winner red & white
Mini Cooper s 1964 Mk1 - Road Rally champion green & white
Mini Cooper S 1971 Mk3 - original and unrestored
Porsche 911 997
Porsche Boxster 3.4S
VW Polo 1.2
Citroen Xsara Picasso - shed/run around
7th May 2017 9:34 pm
LaserTam
Member Since: 31 Aug 2015
Location: Essex
Posts: 831
Thanks for the replies gents, advice duly passed on. From his own research, he has been advised that a claim could be made direct with other parties insurance without going through his own - that was news to me, so would be a good option should funds not be forthcoming.MY2012 D4 HSE Nara Bronze with some extra stuff
8th May 2017 9:27 am
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
Quite correct, but as per my first post:-
"Simple answer is if either party advise their insurer it could affect future premiums for either or both of them regardless as to who is at fault.
That's the answer without going into the rights or wrongs of any policy conditions which state you must report any accident or loss"
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