claiming off someones car insurance

[glenn forger]

No fraud is being committed.

Total disclosure is one of the principles of insurance. Anyone taking your advice could invalidate their insurance and have their claim cancelled.

 

[welsh dragon]

 

[welsh dragon]

Total disclosure is one of the principles of insurance. Anyone taking your advice could invalidate their insurance and have their claim cancelled.

I don't think I said anything about not telling your insurance company, just that paying it yourself wasn't illegal. Whether you tell your insurance company or not is up to the third party. Its his insurance policy after all not yours.

 

[welsh dragon]

I love the cafe. Its a fun off topic place to visit, where people can have a laugh.

 

[BrynCP]

You must declare accidents, fault or not, claimed or not, to your insurance company. Your insurance company will likely increase your premium even if not at fault.

Regarding the other party paying, that's allowed. They can also buy a claim off their insurance company to avoid losing no claims, the disadvantage of this over a private payment, is they'll need to pay the insurance company's fees.

 

[w00hoo_kent]

I don't think I said anything about not telling your insurance company, just that paying it yourself wasn't illegal. Whether you tell your insurance company or not is up to the third party. Its his insurance policy after all not yours.

Don't fret, I think Glenn's meds have run out.

 

[gbb]

Perhaps to enlighten anyone who finds themselves in a similar situation...and how underhand insurance companies (or brokers) can be...
I had a small bump into the rear of another car in icy conditions. Minor damage, I gave my insurance details and warned my insurance company a claim was likely from the other driver.
My next insurance went up considerably...and IIRC, the next two after that...my no claims were the noticeable loss on my paperwork.

3 years after the event..i crossed paths with the driver i'd bumped into. We chatted, I asked if is car got fixed ok...no...I didn't bother he said, I just brought a lens from the scrappers and didn't bother about the bumper, it was only minor.

...well...

Off to my insurers...'you took my no claims off me'
'Yes that's right, you had an accident'
'But no claim was made'
'No, but you still had an accident, your premium has to go up, you're seen as an extra risk'
'I understand the premium rise...but no claims is what it says....no claims, and no claim was made...so I want that re-imbursing (sp)'

They did. Sly beggars, if I hadn't happened to meet him by pure chance...

 

[Drago]

I love the cafe. Its a fun off topic place to visit, where people can have a laugh at Glenn.

FTFY.

 

[spen666]

It would make you complicit in insurance fraud.

what is the fraud?


in any event, you are not responsible for what other party does. Your claim is against other driver

 

[spen666]

It is perfectly acceptable to pay for matters which are insured out of your own pocket. You are not required by any legal measure to claim.

It is not fraudulent to pay for things out of pocket. It could only possibly be considered fraudulent if, when asked a direct question by the insurers, you lied.

agreed, except insurance policy requires you to disclose anything that may be material, so you should disclose the fact you settled a claim privately even in absence of a direct question

 

[spen666]

But unless they are explicit about what is to be considered material - and are reasonable (the terms of the Unfair Contracts Act and the 1999 Consumer Contract Regulations being borne in mind) - then there is no reason to necessarily assume that you have to tell them absolutely everything.

If I scratch the car and pay for the repair out of my own pocket, how is that necessarily material?

Agreed , but if you have an accident as a result of your driving and pay the 3rd party's damages even if it is only £100. It would be a material fact that needs disclosing

 

[martint235]

Ok I don't have a car and I'm coming from the stance of all insurance companies are b*****d spawns of the devil but after reading this thread:

I buy a car and insure it with Aviva. I then merrily drive it down the road until some Audi driver runs into the back of me cos she was messing with Tarquin's ipad whilst on the phone to her hairdresser. We get out, she gives me oodles of cash to get it fixed and go away. We part happily.

I then have to report this to my insurance company who will put my premiums up? Seriously??

That's like a license to print money. Even more so that the stupid small print which reads "To claim for a stolen bicycle you must provide photographic evidence signed by 6 witnesses in blood that the bike was chained to 15 independent ground anchors and you were sat on it at the time. And your rottweiler was watching" and yes we know we've taken your money but we did tell you about the small print.

 

[w00hoo_kent]

Insurance companies are bastards. Everyone knows that. But short of the government offering a totally basic 3rd party policy which is sufficient to get you on the road and little else ain't nothing going to change. So, ain't nothing going to change!

 

[martint235]

But...but...but it's just so wrong. Obviously the insurance industry needs proper regulation putting in place.

Ideally it should be a bet. I bet £30 a month that my cats are going to get ill at the some point. The insurance company accepts that bet and says ok, we don't think they will or if they do we think you will have paid us more than this. To do this we use complex mathematical tools and employ actuaries. Now this scenario I don't have a problem with. Everyone knows where they stand, you pays your money or not your choice.

But at the moment you pay them money and when it comes to a claim they say "oh but that's not part of the deal" or "That's wear and tear" or "That's your cat's teeth. Obviously we don't cover their teeth"

 

[Nigel-YZ1]

Then they increase the premium just for laughs each year...
Then they introduce automatic renewal hoping you don't act on the reminder...
And you have to ring them and be persuaded not to leave them.

What's worse? These scumbags or Estate Agents?