![]() | Home > Finance, Insurance & Warranties > To claim or not to claim? |
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iancollins Member Since: 17 Mar 2010 Location: milton keynes Posts: 264 ![]() ![]() ![]() |
why are you claiming on your policy when it was her fault
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shalz Member Since: 28 Jan 2013 Location: where FFRRs roam free...! Posts: 506 ![]() ![]() ![]() |
i think the issue for dolphinboy is that by claiming on the other party's insurancy, he will still have to declare that he was involved in an accident (no-fault) when renewing his insurance, and in my experience, despite dolphinboy having no culpability at all, will find that his insurance premium goes up...
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Dolphinboy Member Since: 07 Dec 2009 Location: Bristol Posts: 3194 ![]() ![]() |
Will definitely be claiming on her insurance and NOT mine, and will be having a full repair now, everyting including rear mudguards, etc. but will have to fight for the Excess back and yes, the B*stard insurance company will ping me despite me not being at fault at all.
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TugRR Member Since: 11 Jan 2011 Location: Bakewell Posts: 1199 ![]() ![]() |
Take a step back and see if you can sort it out amicably and without the intervention of insurance companies.
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Contraband Member Since: 08 Nov 2010 Location: FIFE Posts: 3697 ![]() ![]() |
If she claims then you don't have a choice. The insurance company database will have on record that she had an incident with you. At your next renewal you will be asked if you have had any accidents regardless of blame....
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AMD Member Since: 16 Jul 2010 Location: The South Posts: 811 ![]() ![]() |
You've missed the most important thing here....she is very pretty. Take her out for dinner and see if you can't come to some agreement |
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Dolphinboy Member Since: 07 Dec 2009 Location: Bristol Posts: 3194 ![]() ![]() |
Have tried all the above, except dinner and drinks! have also explained that it will cost her more than £800 in the near future but her father has told her to claim so guess I am stuck.
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Joe90 Member Since: 29 Apr 2010 Location: Hampshire Posts: 6414 ![]() ![]() |
You may have a problem by not having reported the incident to your insurers "on the day".
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Simes Member Since: 30 Aug 2011 Location: Hinckley Posts: 964 ![]() ![]() ![]() |
You won't - there is no excess as you are claiming on her policy where she (may) have an excess - not your problem if she has or not. |
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E4 GUY Member Since: 07 Jan 2013 Location: London Posts: 513 ![]() ![]() ![]() |
When you declare a previous incident, I'm fairly sure
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leem5 Member Since: 14 Mar 2013 Location: North Posts: 46 ![]() ![]() |
If she takes full responsibility and her insurance accepts this is the case, it will not effect you next year. I have recently experienced this. |
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appj62 Member Since: 07 Aug 2013 Location: Cheshire Posts: 424 ![]() ![]() ![]() |
Oh yes it will! Previous cars:
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steve9bug Member Since: 25 Aug 2013 Location: sunderland Posts: 356 ![]() ![]() ![]() |
Go with the likes of Winns no blame no claim i did it for my daughter and she won the case hands down got her car repaired and a hire car while hers was off the road and she never got any increase in premium on the next year. |
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kingpleb Member Since: 07 Jun 2011 Location: Maybe here. Maybe there, I get everywhere! Posts: 8455 ![]() ![]() ![]() |
As above,
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