We're currently going through the process of getting quotes for insurance
for a car for our daughters.
All the companies ask about any previous claims. Last year when one of my
daughter's was driving my wife's car, she was rear-ended. Our insurance
company was notified but the other party admitted liability and repairs were
paid in full by the other party's insurance company direct to the repairers.
Does this count as a "claim" that we need to notify any new insurance
companies about?
Tim
banjo - 07 May 2007 17:50 GMT
> We're currently going through the process of getting quotes for insurance
> for a car for our daughters.
[quoted text clipped - 9 lines]
>
> Tim
YES if you claimed on their or your insurance.
but since the other driver was found to be at fault, then put it down as
"not our fault" or something similer.
shazzbat - 08 May 2007 12:44 GMT
>> We're currently going through the process of getting quotes for insurance
>> for a car for our daughters.
[quoted text clipped - 13 lines]
> but since the other driver was found to be at fault, then put it down as
> "not our fault" or something similer.
You could get a quote where you say No, get another quote where you say Yes,
pay the true one, and claim the difference off the third party.
Steve
Conor - 07 May 2007 20:28 GMT
> We're currently going through the process of getting quotes for insurance
> for a car for our daughters.
[quoted text clipped - 6 lines]
> Does this count as a "claim" that we need to notify any new insurance
> companies about?
Yes. WHen you select Yes, there'll be another option where you can put
"Costs Recovered from 3rd Party" or similar.

Signature
Conor
Light travels faster than sound. This is why some people appear bright
until you hear them speak.........
Ian - 07 May 2007 21:46 GMT
>> We're currently going through the process of getting quotes for insurance
>> for a car for our daughters.
[quoted text clipped - 12 lines]
> Yes. WHen you select Yes, there'll be another option where you can put
> "Costs Recovered from 3rd Party" or similar.
It will be on a database anyway, but if you do not declare something the
insurance will be invalid even if you did pay. Then you face being
prosecuted for driving a vehicle without insurance.
Ian - 07 May 2007 21:44 GMT
> We're currently going through the process of getting quotes for insurance
> for a car for our daughters.
[quoted text clipped - 9 lines]
>
> Tim
Are you genuinely thick?
Read the policy or listen to what the person asks you on the phone. Give
the answer to the question, not the answer to a question you would like to
be asked. If you lie or say you didn't understand something you have signed
to say you did, then you're stuffed.
Tim Downie - 07 May 2007 23:22 GMT
> > We're currently going through the process of getting quotes for
> > insurance for a car for our daughters.
[quoted text clipped - 11 lines]
> >
> Are you genuinely thick?
I don't think so but then I'm biased. ;-)
Tim.
Richard Polhill - 08 May 2007 10:19 GMT
> We're currently going through the process of getting quotes for insurance
> for a car for our daughters.
> All the companies ask about any previous claims. Last year when one of my
> daughter's was driving my wife's car, she was rear-ended. Our insurance
> company was notified but the other party admitted liability and repairs were
> paid in full by the other party's insurance company direct to the repairers.
> Does this count as a "claim" that we need to notify any new insurance
> companies about?
> Tim
IME almost any communication with your insurance company is counted as a
"claim" by them and therefore a method by which they can put your premium up. ;-)
In actuality, any event that involved insurance no matter who was at fault is
a "claim". They'll want the details of the claim and will record it as a "no
fault" claim. Even so they'll still raise your premium accordingly as you're
the sort of driver that gets driven into.
Remember, insurers are interested in risk: the possibility of having to pay
money out, or even having to administer an incident. They charge you according
to how much they feel they're likely to have to fork out any of the delicious
lolly they fleeced you for. If you have any accidents then obviously you're a
higher risk. They don't give a damn about fault or whether you could've
avoided it, they just care about paying out, or even the thought of it.