claiming off someones car insurance
- Thread starter surfdude
- Start date
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summerdays
Cycling in the sun
- Location
- Bristol
No idea but we renewed ours this week and they asked if we had had any accidents including ones we didn't claim for. (Not sure how that would change things).
Jody
Stubborn git
Yes it will go up. Mine was an increase of about 15% for a no fault accident. Your better advising him of the potential claim then asking him if he would like to settle without going through the insurance. Get a couple of official estimates as even a small mark can be way above what you think.
EDIT. Missed the bit about duration. You will higher premiums while you have to declare the accident. So 5 years from the date claimed.
vickster
Squire
Could go up even if not your fault, as the insurance companies use stats to show that once you've had a non fault claim, the risk is higher that you'll have a fault claim
As above, I'd be surprised if he'd want to settle through his insurance as he will likely have an excess and it'll put his premiums up. If it's a business vehicle, I guess he won't care much however
With many companies now you only have to declare claims for 3 years (5 years for points and convictions). Whether you claim or not, technically by the terms of your insurance you should actually declare each and every accident! I had a weird prang when a car was pushed into me by another car at lights. I'd almost forgotten it had happened when the third parties insurers called offering to repair my car or pay me some cash! After that happened, I told my insurers, no impact on premium as far as I know as it was just for information. When I had an accident previously with someone driving into me, it did annoying,y up my premium. It probably varies between insurers in reality how much
Jody
Stubborn git
Its 5 years to declare claims
vickster
Squire
Not with the company I'm with (esure) , nor lots of others. Some are 5 tis true
unless it's changed since I last changed insurance company, a couple of years now at least
Jody
Stubborn git
http://support.confused.com/confusedcom/topics/how_long_do_you_need_to_declare_claims_for
"We ask for you to enter the details of all claims within the last 5 years on our site as most insurance providers will require 5 years history.
If you are obtaining a quote with an insurance provider directly, the question should be noted as 'do you have any claims within the last 5 years' or 'do you have any claims within the last 3 years'."
"We ask for you to enter the details of all claims within the last 5 years on our site as most insurance providers will require 5 years history.
If you are obtaining a quote with an insurance provider directly, the question should be noted as 'do you have any claims within the last 5 years' or 'do you have any claims within the last 3 years'."
glenn forger
Guest
It's 3 years with Aviva.
vickster
Squire
Maybe I've just sought out the ones that ask for 3 years, probably as I've had a few claims over the years, theft, fault and non fault! In recent years, I've been with Sheila's wheels (esure) and the admiral groups, they all ask about 3 years of claims. I live in a reasonably high risk area and drive a reasonably new, high powered car...the likes of Aviva, Direct line (not that I'd give them money as they are the gits who made an insulting offer in my PI claim and are now dragging their heels), Churchill etc seem to come out 50% more expensive for me. I'm stuck with Sheila's wheels for a bit after having a car stolen and a fault accident within the last 2 years
w00hoo_kent
One of the 64K
- Location
- Maidstone or Greenwich
Although people can be weird. I had a bloke hit the back of my old Mondeo, smash the yoghurt pot bumper to bits in his shiny Beemer (probably his mums shiny Beemer as he was 12) A replacement was £150 painted so we talked settling outside insurance then suddenly he went all "must be insurance" and the hassle was extreme. I definitely lost out on it with time farking about getting multiple quotes and chasing insurance companies and it was a huge annoying faff. If it didn't end up costing him £1000+ in premiums over the next few years I'd be stunned. I ended up with a cheque for a little over £200 for a bumper I repaired with gaffer tape but only made because I didn't care about putting it back to where it had been.
welsh dragon
Thanks but no thanks. I think I'll pass.
If you claim off his Insurance, then your premiums won't increase. But he may want to pay you without going through his insurance company and that would be acceptable. When you say a small mark. How small? What exactly was the damage?
glenn forger
Guest
It would make you complicit in insurance fraud.
welsh dragon
Thanks but no thanks. I think I'll pass.
It would only be fraud if basically one party was trying to get away without paying for the damage. No fraud is being committed. Neither insurance company is losing out, and neither driver is either.
