Hewey Posted February 18, 2009 Report Share Posted February 18, 2009 (edited) Thread No longer applicable. Thanks for all your advise Edited February 19, 2009 by Hewey Quote Link to comment Share on other sites More sharing options...
al4x Posted February 18, 2009 Report Share Posted February 18, 2009 you will have to declare it as it is your policy so will affect your premium next year. However if you claim to be driving (I know David BASC will dissapprove) the benefit you will have is it will only affect your policy and your wife won't have to mention it when she renews when she gets asked if she has had any accidents or claims. Obviously this is naughty and I don't approve as I believe the Insurance industry doesn't make enough money out of us already. Quote Link to comment Share on other sites More sharing options...
AdamW Posted February 18, 2009 Report Share Posted February 18, 2009 Do you have to claim? you will pay for it in the long run... 3-4 times over! Just get it fixed your self, plus the car will have a claim against it for things like HPI Adam Quote Link to comment Share on other sites More sharing options...
V8landy Posted February 18, 2009 Report Share Posted February 18, 2009 Do you have to claim?you will pay for it in the long run... 3-4 times over! Just get it fixed your self, plus the car will have a claim against it for things like HPI Adam My view on car insuarance (an any other insuarance) only use it if realy need to. Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted February 18, 2009 Report Share Posted February 18, 2009 if she makes a claim she'll have to declare it on any policy shes on; having said that if its only a couple of hundred quids worth of damage it shouldnt affect the prices. as for saying you were driving... it wont matter much who was driving, but if you try to get a 2nd car in your name in the next couple of years itll preclude any intro bonuses you might get and itll be dearer Quote Link to comment Share on other sites More sharing options...
hairyduck Posted February 18, 2009 Report Share Posted February 18, 2009 My view on car insuarance (an any other insuarance) only use it if realy need to. Ding, same here, they'll sting you for a lot of cash over the years so it's probably worth trying to get it repaired yourself if you can Quote Link to comment Share on other sites More sharing options...
Ballymac Posted February 18, 2009 Report Share Posted February 18, 2009 Have you got protected bonus on your policy? What is the estimated cost of repair? And what is the excess on your policy? All these things will have an influence on how or if you make a claim on any insurance policy. Quote Link to comment Share on other sites More sharing options...
al4x Posted February 18, 2009 Report Share Posted February 18, 2009 Do you have to claim?you will pay for it in the long run... 3-4 times over! Just get it fixed your self, plus the car will have a claim against it for things like HPI Adam HPI don't show up minor damage Quote Link to comment Share on other sites More sharing options...
Drive By Posted February 18, 2009 Report Share Posted February 18, 2009 Whats the excess of the policy? If its a minor ding reckon it'll be less than the excess you would pay anyway. You claiming it was you driving is fraud... (I work for an insurance brokers) and that could be a major issue if it ever comes to light. As others have said if you do the honest thing, you'll have to admit to having claimed and she'll have to admit to have daving an accident, you'll both get stung! Quote Link to comment Share on other sites More sharing options...
Hewey Posted February 18, 2009 Author Report Share Posted February 18, 2009 OK Thanks All, The damage will be approx. £1500, I've decided to just tell it how it happened save any hassle. Thanks for all your input Quote Link to comment Share on other sites More sharing options...
starlight32 Posted February 18, 2009 Report Share Posted February 18, 2009 OK Thanks All, The damage will be approx. £1500, I've decided to just tell it how it happened save any hassle. Thanks for all your input However you may think honestly is the best policy. Quote Link to comment Share on other sites More sharing options...
daz2202 Posted February 18, 2009 Report Share Posted February 18, 2009 Missus works in car insurance and she said 'No never tell a little fib' :blink: Quote Link to comment Share on other sites More sharing options...
AdamW Posted February 18, 2009 Report Share Posted February 18, 2009 Not correct. HPI will only show a claim that is subject to a category write off claim. ie it is a cat D or C etc write off. A low cost claim would not show up on HPI. ( unless stolen / LOS report ) Shows how much I know..... :blink: but all the same, I wouldn't have claimed.... Adam Quote Link to comment Share on other sites More sharing options...
Tam Posted February 18, 2009 Report Share Posted February 18, 2009 Not correct. HPI will only show a claim that is subject to a category write off claim. ie it is a cat D or C etc write off. A low cost claim would not show up on HPI. ( unless stolen / LOS report ) Not ALL TRUE, some bridge the gap total losses are unrecorded :blink: Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted February 18, 2009 Report Share Posted February 18, 2009 ok just a few things ive noticed first, everybody lies when it comes to insurance, trust me, ive worked in the bloody job for over 6 years (and yes, i do know when your lying, youre not the first housewife to have suddenly bought a vauxhall corsa after 6 years of not driving and "just happen" to be thinking of adding your 17 year old son to the policy), customers lie to broker, brokers lie to insurance companies, insurance companies lie to customers second, it doesnt matter if she claims of her own policy or not, all claims the driver has had must be disclosed when incepting a new policy (even if theyre on someone elses policy), insurance is all about risk, the higher the risk the higher the price, so the more claims you have against you = youre more of a risk = higher prices :blink: thirdly, yes we tell people its a type of fraud, but as far ive been told theres no actual law against it, all the insurance company would do (if they found out) would be to refuse to pay out on your claim and possibly null and void your policy, you wont end up in jail , the only possibility would be if they paid out and found out you had lied. and no, im not advising anyone to lie, it just amazes me what some people think they know about insurance (and its also the reason i dont tell people in the pub i work in it!) Quote Link to comment Share on other sites More sharing options...
Mungler Posted February 19, 2009 Report Share Posted February 19, 2009 My advice: beat the £1500 out of your wife. That way you won't have to make a tiresome and costly insurance claim and she will think twice about doing it again in the future. Everyones a winner :blink: Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted February 19, 2009 Report Share Posted February 19, 2009 my apologies, its been a couple of years since ive had to deal with claims and didnt realise the act had been amended, ok so there is the possibility to be prosecuted HOWEVER the chances are extremely small, as i said the only likely course of action is for the policy to be ntu'd "Please do not suggest people don't know what they are talking about ( you quoted "it just amazes me what some people think they know about insurance") I worked in car insurance for 7 years and now for 15 years relevant to law so I do know what I am talking about . ( I know you haven't named me but your text suggests me as I spoke about fraud you refer to) It is not an insurance company that enforces the law" and no mate, i wasnt talking about you! Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted February 19, 2009 Report Share Posted February 19, 2009 Do you think that someone could claim for a £30,000 damaged car on a bogus claim and nothing happen to them!! It all comes under the fraud act and something insurance companies should know. yes because it happened with one of my customers 18 months ago and he got off scot free!!! Quote Link to comment Share on other sites More sharing options...
Hewey Posted February 19, 2009 Author Report Share Posted February 19, 2009 Hi Guy's, Like I said I've said it how it happened now anyway so doesn't really matter. Thanks for all your comments/advise though. Quote Link to comment Share on other sites More sharing options...
Mungler Posted February 19, 2009 Report Share Posted February 19, 2009 Glad to be of assistance. Quote Link to comment Share on other sites More sharing options...
amateur Posted February 19, 2009 Report Share Posted February 19, 2009 (edited) My advice: beat the £1500 out of your wife. That way you won't have to make a tiresome and costly insurance claim and she will think twice about doing it again in the future. Everyones a winner Mungler, As you are (so we are told) a member of the legal profession, how can you possibly advise an illegal act, which, if acted upon, would probably result in an innocent person being injured. This is almost as bad as your suggestion on the disposal of a defective .17hmr round This really brings this forum into disrepute. Harrumph Harrumph Edited February 19, 2009 by amateur Quote Link to comment Share on other sites More sharing options...
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