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Urgent Insurance Query!
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ruggedpeak
 


Member Since: 10 Jun 2010
Location: UK
Posts: 1625

United Kingdom 2007 Discovery 3 TDV6 XS Auto Zermatt SilverDiscovery 3
Urgent Insurance Query!

Can anyone answer the following:

If someone has a fault accident (they did it), if they reimburse the insurance company the full cost of the claim, does this mean they don't lose their no claims?

I know if works with 50:50 fault claims as I did it some years ago, but don't know about fault.

A kid has hit the other half's F2 and stoved in the rear bumper and Dad wants to pay rather than go via insurance due to NCB loss. Not keen but this might offer a way out.

Thanks Tony

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Post #83788321st Sep 2011 8:51 pm
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Bodsy
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Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361

United Kingdom 2007 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

Doubt it. It will still be treated as an accident regardless...

If you are happy that they are able to pay and will pay, then I wouldn't have a problem doing the deal direct with them.
Depends on your gut feel and how long you'll need a hire car for etc. Bodsys Brake Bible

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Post #83789721st Sep 2011 8:56 pm
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devonchilliman
 


Member Since: 03 Nov 2008
Location: Devon
Posts: 5224

England 

Thought it was someones anniversary Whistle ,tut tut Www.devonchilliman.co.uk  
Post #83790621st Sep 2011 9:02 pm
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Discotres
 


Member Since: 25 Jan 2010
Location: London
Posts: 8491

Scotland 2009 Discovery 3 TDV6 GS Manual Stornoway GreyDiscovery 3

Is the number plate damaged? Shocked  
Post #83791021st Sep 2011 9:07 pm
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devonchilliman
 


Member Since: 03 Nov 2008
Location: Devon
Posts: 5224

England 

Discotres wrote:
Is the number plate damaged? Shocked


Hey ,get back on the main thread Rolling with laughter Www.devonchilliman.co.uk  
Post #83791321st Sep 2011 9:08 pm
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ruggedpeak
 


Member Since: 10 Jun 2010
Location: UK
Posts: 1625

United Kingdom 2007 Discovery 3 TDV6 XS Auto Zermatt SilverDiscovery 3

Discotres wrote:
Is the number plate damaged? Shocked


No, but I wouldn't buy one off Ebay even if it was Rolling with laughter

Thanks for the responses. Thumbs Up

Can't be bothered with yet more hassle. Direct Line got on and sorted the last one so will let them do the running round. We both work and have better things to do. Tough on them I know but this wasn't a light tap - to stove in a F2 bumper takes some force. Having streetview'ed the scene can't fathom what on earth he was doing to hit her like he did. Tony

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Post #83793421st Sep 2011 9:30 pm
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character
 


Member Since: 01 Jan 2008
Location: wiltshire
Posts: 5781

United Kingdom 2005 Discovery 3 TDV6 S Auto Alaska WhiteDiscovery 3

chances are he was running on his parents insurance as a named driver but using the car full time - hence his reluctance to go through the insurance ie would not have any Shocked

Before you commit, ask for a copy of the insurance doc showing the son as the named driver plus a copy of the V5C if yer can, otherwise go thru the normal channels, when is your renewal due - if only a few months then you might want to get the cash of em otherwise you'll be paying a higher premium for next years insurance until the otherside coughs up, oh and you'll have to pay yer excess up front until that comes back Thumbs Up  
Post #83794121st Sep 2011 9:38 pm
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GLYNNE
 


Member Since: 06 Oct 2006
Location: KENT
Posts: 4648

England 

Discotres wrote:
Is the number plate damaged? Shocked


Rolling with laughter Rolling with laughter Rolling with laughter Rolling with laughter Rolling with laughter  
Post #83794521st Sep 2011 9:42 pm
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ruggedpeak
 


Member Since: 10 Jun 2010
Location: UK
Posts: 1625

United Kingdom 2007 Discovery 3 TDV6 XS Auto Zermatt SilverDiscovery 3

Character, you are quite right, but I can't be bothered. If the work turns out to be a lot more expensive than the original quote or they start to argue the toss etc etc then I don't want to get involved.

I know a bit about accident investigation so if he wants to argue it wasn't his fault he may find he's got much bigger problems than his insurance premium Whistle Tony

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Post #83795521st Sep 2011 9:49 pm
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