Another Insurance Question

[Kebabmonster]

My bike insurance runs from 8th July. On the 27th of July, my wife was driving my car and was involved in a 4 car accident. She was car 3 of the 4 so hit the car in front and was hit from behind by car 4. She's a named driver on my car insurance.

My car got written off by the insurance assessors and I've been paid out on my motor. No idea on whether the bloke in front claimed off me for the damage to his car (wife said his wasn't too bad, but I thought the same about mine, I assume he has but haven't heard anything).

So, when bike insurance renewal comes along, do I declare this accident even tho I wasn't driving at the time of the crash, and it has nothing to do with the bike??

No idea how these things work cos I've never claimed or had a claim against me before.

Thanks,

Andy.

[stutterin' sam]

[Walloper]

If you 'claimed' for damages on your 'own' policy then you made a claim.
Simple.

In multi-vehicle crashes it is normal practice for everyone to blame 'the last man on'.
So the fourth car to run into everyone gets the blame for 'Shunting'.

In that case the front driver claims the 2nd, 2nd claims the 3rd etc.

To clear your 'claims record' you must recover your 'Uninsured Loss'
Your insurers do this for you by claiming for your damages from the insured who ran into the back of your car. If you have had a renewal since the accident it will advise if you made a claim by a reduced No Claims Discount (NCD)
If you have protected NCD this may be different.

If you were paid out and it was declared as Uninsured Loss then you can advise an insurer of this detail. They will not/should not load your policy if that is the case.
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[Kebabmonster]

Thanks for the replies.

You've said pretty much what I thought, but as I've never done owt like this before and haven't had either my bike or car insurance renewals in (car is March), I wanted clarification before they came in.

Andy

[G]

First off and there's some times a distinction - you're admitting a claim.

Me, I'd be tempted to check the wording carefully, then the policy document very carefully if you're not telling them based on the wording.
Often the options online don't portray your situation.

I presume it was that your wife piled into it on her own, rather than it being instigated by the car behind?

[Walloper]

[Kebabmonster]

[Walloper]

[st3v3]

So the car at the front of it all braked sharpish and a few ran into each other because they didn't leave space to stop incase of emergency?

That's a valid claim against you. also a reason I never let anyone drive me car, and try to never have anyone on the policy that can beg me to drive.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Rogerborg]