Not joined yet? Register for free and enjoy features such as alerts, private messaging and viewing latest posts and topics.
Neighbour hit car
- flimper
- Lifer
- Posts: 4600
- Joined: Wed Jan 21, 2009 11:47 pm
- Location: Hampshire
Neighbour hit car
I've told AXA I don't need a hire car, but I've just seen what I can choose from and am tempted to change my mind!
TVR Tuscan Targa (4.0), Porsche Boxster S (3.2), BMW Z4M (3.2),
Mercedes-Benz CLK350 Cabriolet (3.5), Mercedes-Benz E 350
Cabriolet/Coupe, BMW M3 E46 (3.2)
TVR Tuscan Targa (4.0), Porsche Boxster S (3.2), BMW Z4M (3.2),
Mercedes-Benz CLK350 Cabriolet (3.5), Mercedes-Benz E 350
Cabriolet/Coupe, BMW M3 E46 (3.2)
Piano black & black extended leather. Power mirrors, tinted glass, PDC, Prof hi-fi, CD, retro-fit cruise
-
- Senior Member
- Posts: 1163
- Joined: Thu Sep 20, 2018 8:43 am
- Location: Braintree
Neighbour hit car
I believe you need to inform your insurer, but don’t actually open a claim.Zedebee wrote: ↑Mon Apr 22, 2024 4:08 pm Hopefully Mr Tidy will be on soon, as he has some background in insurance. My understanding is that you should just hold the neighbour responsible, claim off him directly and it’s up to him to get his insurer involved. There should not be any need to involve your insurer who will inevitably bump up premiums etc. I may be wrong though.
- Mr Tidy
- Legend
- Posts: 24060
- Joined: Wed Jul 02, 2014 12:18 pm
- Location: North West Surrey
Neighbour hit car
Can you change your mind?flimper wrote: ↑Tue Apr 30, 2024 11:22 am I've told AXA I don't need a hire car, but I've just seen what I can choose from and am tempted to change my mind!
TVR Tuscan Targa (4.0), Porsche Boxster S (3.2), BMW Z4M (3.2),
Mercedes-Benz CLK350 Cabriolet (3.5), Mercedes-Benz E 350
Cabriolet/Coupe, BMW M3 E46 (3.2)
I'd love to have a TVR for a few days!
And Saga weren't too happy that I didn't report it For Information Only - maybe that's why they charged another £20 and increased the excess?
Coupes because stunning!
Current - Silver Grey MC, Imola Red heated Nappa & carbon trim. Aeros, H & R Coil-overs, 224s, OE Strut brace, Nav, cup-holders, DSP Hi-Fi, pdc, cruise, MFSW, no CDV! E90 330i daily
Gone - Montego Blue
Gone - Ruby Black
Current - Silver Grey MC, Imola Red heated Nappa & carbon trim. Aeros, H & R Coil-overs, 224s, OE Strut brace, Nav, cup-holders, DSP Hi-Fi, pdc, cruise, MFSW, no CDV! E90 330i daily
Gone - Montego Blue
Gone - Ruby Black
- Nanu
- Lifer
- Posts: 3992
- Joined: Mon Dec 03, 2012 4:47 pm
- Location: Sunderland
Neighbour hit car
I had a claim when a drunk driver hit my car, witnessed Police prosecuted him and I claimed off his insurance but out of curtesy informed my insurance as I thought they would find out anyway.
My premiums went up and when I queried this they said it was because I was an increased risk. Had to declare it for the next 7 years.
My premiums went up and when I queried this they said it was because I was an increased risk. Had to declare it for the next 7 years.
G29 M30i M Sport San Francisco Red
Previous
E89 35is Valencia Orange
E89 28i Crimson
E89 25i White
Previous
E89 35is Valencia Orange
E89 28i Crimson
E89 25i White
-
- Lifer
- Posts: 3457
- Joined: Tue Sep 29, 2020 10:37 pm
- Location: North Hampshire
Neighbour hit car
Do read your small print, but I don’t see why you should have any obligation to inform your insurer if your car is damaged and you have no intention of making a claim. They are not a party to the transaction. Clearly if you have damaged someone else’s vehicle or property you would need to notify them so as not to invalidate the third party element of your insurance.Big Bad Boris wrote: ↑Tue Apr 30, 2024 7:21 pmI believe you need to inform your insurer, but don’t actually open a claim.Zedebee wrote: ↑Mon Apr 22, 2024 4:08 pm Hopefully Mr Tidy will be on soon, as he has some background in insurance. My understanding is that you should just hold the neighbour responsible, claim off him directly and it’s up to him to get his insurer involved. There should not be any need to involve your insurer who will inevitably bump up premiums etc. I may be wrong though.
2003 Maldives Blue 3.0i auto
Previously: Maldives Blue 2.5i manual (its back!) and another, and a Monaco Blue 3.0Si coupe
Previously: Maldives Blue 2.5i manual (its back!) and another, and a Monaco Blue 3.0Si coupe
- pvr
- Legend
- Posts: 26365
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Neighbour hit car
The small print does say “accident or loss whether claimed or not”. Unfortunately no way of getting out of that one
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- MikeyH
- Lifer
- Posts: 4946
- Joined: Sat Oct 02, 2021 10:57 pm
- Location: Devon
Neighbour hit car
I thought there is something about full disclosure on insurance forms
Now, Sterling grey Z4 2.2 with cup holders, stubby aerial and sport seats. Roadsters ‘cause they’re great with the roof down.
Ford Anglia, Red Sprite, a few MG midgets, MGB Roadster and yellow Ford Capri, all gone many years now.
Ford Anglia, Red Sprite, a few MG midgets, MGB Roadster and yellow Ford Capri, all gone many years now.
-
- Member
- Posts: 852
- Joined: Sun Aug 05, 2012 9:57 pm
- Location: Bournemouth/Turin
Neighbour hit car
This sort of thing always strikes me as an abuse of statistics. It’s one thing to cause an accident or be partially to blame, but to be a victim that sufferers through zero personal fault shouldn’t lump you in to the same category.Nanu wrote: ↑Tue Apr 30, 2024 7:54 pm I had a claim when a drunk driver hit my car, witnessed Police prosecuted him and I claimed off his insurance but out of curtesy informed my insurance as I thought they would find out anyway.
My premiums went up and when I queried this they said it was because I was an increased risk. Had to declare it for the next 7 years.
Perhaps they should refund their increase if you don’t claim within those seven years
RUBYIMOLACARBON
- pvr
- Legend
- Posts: 26365
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Neighbour hit car
It is an abuse by the insurance companies, and only done in the UK.
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- tomscott
- Lifer
- Posts: 7485
- Joined: Mon Sep 19, 2011 12:26 pm
- Location: Manchester
- Contact:
Neighbour hit car
My car was stolen while under the care of a garage. Not on my property or my care.
The garages CCTV was conveniently non operational. In the end my insurance lost the case in court and I ended up loosing my 14 years no claims because even with protecting your no claims they only protect 3 years. So essentially it was all claimed on my insurance even tho it was no fault of my own and all the fault of the garage. It was in a locked compound and they wrote the numberplate on a keyring attached to my keys.
My insurance was around 320 and this year the cheapest renewal was over 900 and I have to wait 5 years to stop declairing it.
I was with admiral and they were a complete nightmare. They made made decisions on my behalf without first asking.
This was at the peak of the car cost craze. It was a 3 year old clubman JCW with 10k on it and pretty much every option you could get and there wasn't another one for sale similar for less than 28k. Admiral offered me 16k and with negotiation the top I could get was 18.5k thankfully this paid the rest of the finance and left me with my deposit. That being said if I needed to go and buy another I wouldn't have been able to.
Bottom line you have to have insurance due to law but they are never on your side, the cost of the insurance and then they fight with you when they need you most.
The garages CCTV was conveniently non operational. In the end my insurance lost the case in court and I ended up loosing my 14 years no claims because even with protecting your no claims they only protect 3 years. So essentially it was all claimed on my insurance even tho it was no fault of my own and all the fault of the garage. It was in a locked compound and they wrote the numberplate on a keyring attached to my keys.
My insurance was around 320 and this year the cheapest renewal was over 900 and I have to wait 5 years to stop declairing it.
I was with admiral and they were a complete nightmare. They made made decisions on my behalf without first asking.
This was at the peak of the car cost craze. It was a 3 year old clubman JCW with 10k on it and pretty much every option you could get and there wasn't another one for sale similar for less than 28k. Admiral offered me 16k and with negotiation the top I could get was 18.5k thankfully this paid the rest of the finance and left me with my deposit. That being said if I needed to go and buy another I wouldn't have been able to.
Bottom line you have to have insurance due to law but they are never on your side, the cost of the insurance and then they fight with you when they need you most.
- pvr
- Legend
- Posts: 26365
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Neighbour hit car
How exactly is that different to when the garage crashes your car when driving it around? That is on their insurance, not on yours.
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- tomscott
- Lifer
- Posts: 7485
- Joined: Mon Sep 19, 2011 12:26 pm
- Location: Manchester
- Contact:
Neighbour hit car
Yep but there you go. That's how it was ruled. BS.
-
- Member
- Posts: 852
- Joined: Sun Aug 05, 2012 9:57 pm
- Location: Bournemouth/Turin
Neighbour hit car
Bloody hell, that’s awful
At the very least you should have been put back to the same situation/compensated correctly. Did you not speak to a lawyer or the ombudsman?
At the very least you should have been put back to the same situation/compensated correctly. Did you not speak to a lawyer or the ombudsman?
RUBYIMOLACARBON
- Nanu
- Lifer
- Posts: 3992
- Joined: Mon Dec 03, 2012 4:47 pm
- Location: Sunderland
Neighbour hit car
Legal claim against the owners of the garage I would have thought
G29 M30i M Sport San Francisco Red
Previous
E89 35is Valencia Orange
E89 28i Crimson
E89 25i White
Previous
E89 35is Valencia Orange
E89 28i Crimson
E89 25i White
- MikeyH
- Lifer
- Posts: 4946
- Joined: Sat Oct 02, 2021 10:57 pm
- Location: Devon
Neighbour hit car
Agreed, duty of care
Now, Sterling grey Z4 2.2 with cup holders, stubby aerial and sport seats. Roadsters ‘cause they’re great with the roof down.
Ford Anglia, Red Sprite, a few MG midgets, MGB Roadster and yellow Ford Capri, all gone many years now.
Ford Anglia, Red Sprite, a few MG midgets, MGB Roadster and yellow Ford Capri, all gone many years now.