Lloyd90 Posted November 3, 2013 Report Share Posted November 3, 2013 Just a quick question about an "open" car insurance claim I have. About 2 months ago someone clipped my car, I was stood next to it at the time. When I went to inspect the damage (I heard the bump) I was bombarded with verbal from a woman, who then gave me insurance details - it was a motability car. When informing my insurance I stated as the damage was minimal I wanted to wait for the liability to be sorted before repairs so I wouldn't have to pay and then claim back my excess. Liability was sorted in days and was offered my repairs / coutesy car from THEIR insurance co. I went with my insurance (Volkswagon ins co) though and had everything done. Problem however is recently I have found out my renewal is extreme, because they still haven't received payment from the 3rd party!! Now I am wondering where I stand, as liability is admitted. Why does them not paying up yet go down against me ? And more importantly, do I need to tell a different insurance co about it if I switch ? The liability is not mine, why should I suffer because the compant hasn't paid up yet ? My currently company said I can pay the cost for this year (4 grand, which I don't have) and I will get the difference back once they receive payment - but they couldn't tell me what the difference is ... Seems a bit of a joke to be honest Appreciate any advice Lloyd Quote Link to comment Share on other sites More sharing options...
88b Posted November 3, 2013 Report Share Posted November 3, 2013 I'm certain you have to tell any potential insurer but you list it as a no fault claim. I had two no fault claims in five years and it hasn't affected my premiums or NCB . Quote Link to comment Share on other sites More sharing options...
karpman Posted November 3, 2013 Report Share Posted November 3, 2013 Chap at work just been through similar although his insurance was paid out. Other party admitted liability etc. his premium doubled and them some regardless and couldn't get it down. There excuse is. It's and no claims discount and he had a claim the fact it wasn't his fault didn't make a dot of difference. Karpman Quote Link to comment Share on other sites More sharing options...
clakk Posted November 3, 2013 Report Share Posted November 3, 2013 insurance is sold by used toilet paper salesman and is not worth the paper they wipe their bum on.u have to have it no choice but they only pay out eventually after theyve worked out how to roll u over n make your bottom sore.i had a write off after being totalled by mr specsavers who hadnt seen me.he admittted his fault and then they decided my 3 grand car was worth 1400 quid after only 3 days in my ownership. after much screeming down phones at the MD cos i got his phone number i got my dollars .shouldnt ever happen someone admits liability end of argument u keep no claims etc he gets turned over by bubba.not in this country or lifetime Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted November 3, 2013 Author Report Share Posted November 3, 2013 I can declare it as a non fault, but do I have to tell a different company the claim is "open" even if the liability is settled ? Quote Link to comment Share on other sites More sharing options...
Dave-G Posted November 4, 2013 Report Share Posted November 4, 2013 What you got that gets a 4k premium? Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted November 4, 2013 Author Report Share Posted November 4, 2013 What you got that gets a 4k premium? First time policy in my own name. Had my first year insurance with the car I bought. Had a bump, my fault, admitted fault as I was to blame. With just that one claim this year it is £1200 ... but with this open case they want £4000. Even tho it wasn't my fault, the car was parked with nobody in it and the liability is settled, just theyve only recently sent off the claim forms and havent received payment yet. Quote Link to comment Share on other sites More sharing options...
crossy 666 Posted November 4, 2013 Report Share Posted November 4, 2013 I have had the same thing happen to me this year and I did not declare it as I was told I did not need to. My new insurance have now found out about it and chose to void my insurance this has now fu@k me up for the the next 5 years I can now not get any type of insurance life,house, dog ect it is not a matter of cost I will note be give any insurance of any type. I work in the moter trade and I cant tell you how bad this has fu@k my life. Quote Link to comment Share on other sites More sharing options...
Lord Geordie Posted November 4, 2013 Report Share Posted November 4, 2013 If it was motobility I would have approached THEIR company first! I had a chap in a motobility car hit my N/S front. I got his details and contacted the motobility company. I was offered the repair fee within the week. No insurance company involved so no loss of NCD. Quote Link to comment Share on other sites More sharing options...
TIGHTCHOKE Posted November 4, 2013 Report Share Posted November 4, 2013 Time to contact the Insurance Industry Ombudsman perhaps! Quote Link to comment Share on other sites More sharing options...
CharlieT Posted November 4, 2013 Report Share Posted November 4, 2013 You must remember that the insurance industry works on claims not blames. I'm afraid it will remain open until full settlement has been made. You are obliged to notify your accident and claim to another company. Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted November 4, 2013 Author Report Share Posted November 4, 2013 You must remember that the insurance industry works on claims not blames. I'm afraid it will remain open until full settlement has been made. You are obliged to notify your accident and claim to another company. I have every intention of notifying them, what I wonder is do I just tell them I had a non- fault accident, and the 3rd party has admitted fault. As this IS what has happened ... Quote Link to comment Share on other sites More sharing options...
CharlieT Posted November 4, 2013 Report Share Posted November 4, 2013 I have every intention of notifying them, what I wonder is do I just tell them I had a non- fault accident, and the 3rd party has admitted fault. As this IS what has happened ... Indeed. Try everything you can to negate any blame. Quote Link to comment Share on other sites More sharing options...
subsonicnat Posted November 4, 2013 Report Share Posted November 4, 2013 I had someone hit me 20 years back, MY Insurance went up even though I claimed from them, they are all a load of thieves and NON can be trusted.. Cannot put what I really think as they would probably ban me fro the site: Grrrr. Quote Link to comment Share on other sites More sharing options...
robbiep Posted November 5, 2013 Report Share Posted November 5, 2013 If the third party has not paid, then inform them that you have received a very large increase in renewal premium as a result. As the accident has been a considerable amount of time ago, and liability has been shown to be on their client, you can only conclude that this is due to an administrative oversight on their part. You are now placed in the invidious position where their client's actions, and their tardiness are going to cost you a considerable amount of money. Accordingly, if they do not settle the claim within 14 days, ensuring (through all the insurance databases) that you are placed in the position that you were before their clients actions, you will take them to the small claims court. Recorded delivery. Quote Link to comment Share on other sites More sharing options...
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