A booring insurance question (and a cool story bro!)

Polarbear · Super Spammer Joined: 24 Feb 2007 Karma :

A week a go I got off my ship, got back to Heathrow and picked up a hire car.

I had bought some wheels for my Alfa Romeo off ebay and decided to pick them up on my way home so hired an estate (VW Passat).

Got to Walatham Abbey and got the wheels then on my way pack to the M25 I was passing a digger in the road when it spun its bucket round and took out my front wing. In a digger v Passat road wars the digger always wins, lol.

Anyway phoned Avis, all they were interested in was whether I needed another car, I didn't. So got the insurance details (National Farmers Union Shocked

) and came home.

Now I had damage waiver so not bothered about that, but what happens when I come to renew my car and bike insurance. I presume I have to tell them. Do I lose my no claims even though I haven't claimed on my insurance?

Any ideas?
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CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

Nopes, you havent made a claim....

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

Nah I wouldnt, its the hire companies insurance.

devojunior · Brolly Dolly Joined: 12 Sep 2010 Karma :

Hi, as far as i know when you claim on sombodys insurance you do not loose your no claims its only when somebody claims on your insurance or you claim on yours.

correct me if im wrong.

T.C · World Chat Champion Joined: 05 Nov 2003 Karma :

Depends on how thew question is asked.

Some ask if you have had any claims or convictions, in which case you can answer no.

Some ask if you have had any accidents, claims or convictions in which case you must declare.

Some insurers word there questions carefully, or in the hope that they can catch some out, so make sure you read the question and answer honestly.

Although you may not have made a claim, if they ask if you have had any accidents and you answer no, it could open up a horrible can of worms further down the line.
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teuma86 · Scooby Slapper Joined: 16 Sep 2008 Karma :

If the Digger had admitted fault, even if on your insurance, it is still not a claim.

the term claim is where you ask for repairs due to an accident which was your fault OR the other road user done a runner / was un-insured.

If the digger caused the accident THEY are claiming, not you.

Regarding have you had any accidents / convictions / claims on forms, I am not to sure as you can argue that you were involved in an accident, you did not have an accident as such.

If you walk to your car in a car park and someone has driven into the side of your car you did NOT have an accident but you have to report repairs.

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

teuma86 · Scooby Slapper Joined: 16 Sep 2008 Karma :

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

Paulington · World Chat Champion Joined: 11 Mar 2009 Karma :

You do not lose your no-claims but you HAVE to tell your insurance company about that accident.

When you check quotes for insurance it does say that should declare ANY accidents in the last five years, no matter what on, claimed for or not.
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