GT4Brody
Member
Registered: 26th Sep 01
Location: south
User status: Offline
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Basicly some women reversed into my girlfriends car last night, it hasnt caused that much damage, just cracked the paint on the bumper.
If she reports it to the insurance co, when she renews her insurance, they still want to know if you have had any accidents regardless if there your fault or not.
Even if there not, dont they usually put your premium up still??
What we are wondering is, is it worth reporting it, or just asking her to pay for the bumper to be resprayed??
cheers
mark
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antscorsa
Member
Registered: 11th Aug 02
Location: london
User status: Offline
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nah if she never caused accident it wont affect ur premium.
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Mattb
Member
Registered: 2nd Feb 03
Location: Under your sisters bed
User status: Offline
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quote:
Originally posted by antscorsa
nah if she never caused accident it wont affect ur premium.
wrong, my sisters boyfriend had two non fault accidents, and one that was his fault.. his insurance company then refused to cover him
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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quote:
Originally posted by Mattb
quote:
Originally posted by antscorsa
nah if she never caused accident it wont affect ur premium.
wrong, my sisters boyfriend had two non fault accidents, and one that was his fault.. his insurance company then refused to cover him
wtf has that got to do with the story? he had an acident he cuased you plebhead
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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if the accident is not your fault it wont affect you at all it dont take a brain surgeon to work that out
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Mattb
Member
Registered: 2nd Feb 03
Location: Under your sisters bed
User status: Offline
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quote:
Originally posted by RussSxi
quote:
Originally posted by Mattb
quote:
Originally posted by antscorsa
nah if she never caused accident it wont affect ur premium.
wrong, my sisters boyfriend had two non fault accidents, and one that was his fault.. his insurance company then refused to cover him
wtf has that got to do with the story? he had an acident he cuased you plebhead
 if he had just one accident he caused, then his insurance company wouldnt have refused to cover him.. it was the fact he had 3 accidents that they didnt want to cover him..
so gtf
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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mattb im sorry to inform you but your talking shite
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Mattb
Member
Registered: 2nd Feb 03
Location: Under your sisters bed
User status: Offline
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all im saying is thats what happened.. its always best to ring up and ask 
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corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
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if ur a nice guy and she is genuine id just tell her to pay for the bumper to be resprayed, less hassle
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DJGoMatt
Member
Registered: 5th Nov 02
Location: Leeds
User status: Offline
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my dad's insurance was put up because he was crashed into in his car and also knocked off his motorbike, both not his fault but they say decided that it should affect his premium because he wasnt driving defensively!
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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ohh ffs look if you get crashed into and its not your fault your premium is not affected if it is then your with a cowboy insurance company, if that was the case nobody would bother with insurance
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stevegreetham
Member
Registered: 30th Oct 03
Location: Grimsby/Sheffield
User status: Offline
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i've had 2 non fault accidents. First on was where i got reversed into while my car wasnt even moving, costing 1300 to get mended - this didnt affect my premium.
More recently i was involved in an accident where a drunk driver with no insurance overtook me in a 30 zone at 90mpoh+, lost control, hit a wall, which then resulted in bits of car and wall hitting my car and causing a fair bit of damage. This is not affecting my premium either, however, the repairs have come out of my own pocket untill hes due in court and gets either fined or sentenced.
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DJGoMatt
Member
Registered: 5th Nov 02
Location: Leeds
User status: Offline
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yes, i was just saying what happened, it shouldnt effect your insurance though.
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stevegreetham
Member
Registered: 30th Oct 03
Location: Grimsby/Sheffield
User status: Offline
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quote:
Originally posted by GSiSteve
ohh ffs look if you get crashed into and its not your fault your premium is not affected if it is then your with a cowboy insurance company, if that was the case nobody would bother with insurance
exactly
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leni
Member
Registered: 25th Mar 02
User status: Offline
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if your going through insurance tell them, otherwise don't!
I had a massive argument a few years back because I informed elephant.co.uk that I'd had an accident (non fault) paid for out of insurance and they tried putting my premium up and taking my ncb!
I've learnt not to inform them unless you are claiming through insurance!
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vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
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what leni said - if your not claiming don't tell em
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leni
Member
Registered: 25th Mar 02
User status: Offline
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why thank you vibs 
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stubs
Member
Registered: 30th Jun 02
Location: Bolton
User status: Offline
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Someone reversed into my car on Thursday, causing £2k worht of damage. He admitted blame & called his insurance (esure I think). They promptly called me & told me they were dealing with it, they would arrange collection & a courtesy car.. basically I didn't need to do anything. They told me NOT to inform my insuracne, as they had no reason to know about it, and that way, there is no chance it affecting my records etc.. They also advised me not to declare it when I obtain any future quotes.
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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non fault accidents do seem to add to premiums, FACT.
My m8 had a van hit him and claimed on his insurance. Looking for insurance it does make a diffference to the price if he declares it even tho it was non fault.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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my prang wasn't my fault, other driver left the scene, and I didn't claim, paid for it myself - premium is still affected, two years on 
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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If it's just the paint then i would just leave it; it's just a metter of time before you get another mark of some kind. Some smart arse has scratched my rear bumber (small line) but i couldn't give a wank anymore. The world is just full of cunts!
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corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
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i wouldnt tell the insurance if u had an accident that u paid for out yer own pocket
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John
Member
Registered: 30th Jun 03
User status: Offline
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was just about to say that corsa-sxi. Why did you tell the insurance if you paid yourself?
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