When is a claim recorded?

Honest John Back Room » Motoring discussion
View Threaded
Mon 11 Apr 2005 16:19
When is a claim recorded? - cdbr
Early in my previous year's insurance policy I had a bump. Basically I was reversing out of a slot in the supermarket and another driver clipped my towbar as they were passing. No damage to mine and bumper damage to theirs. As she was going very quickly towards the exit and I was stationary at the time I interpreted this as her fault. (Now I know this is not the case) I reported to my insurer straight away on the phone, gave them my views and then heard nothing whatsoever. At renewal I noticed my no-claims was affected - queried it with them and they explained the other parties claim. Strange I thought as I had not had anything from them about this until renewal. Despite my protests they said 'done deal' you are guilty 'cause you were reversing.

I had forgotten all about this until yesterday - and here is where the question is - I have had a quote from a different insurer for my new car, declared no accidents in the last 3 years but declared the correct NCD.

They knew all about my new car because they have the DVLA database, however I thought insurance companies shared information - but they said nothing about my claim - so maybe they don't.

Should I call and tell them about my memory loss?
Reply | Report as offensive | Link
Mon 11 Apr 2005 17:33
When is a claim recorded? - livefortheday
I would do two things:

1) Check whether your last insurer has actually paid out any money. If not, appeal to there better nature(!) and ask for the ncb to be re-instated. Worst ways, ask for a definate date when they will count the accident as closed.

2) Tell your new insurer of the claim straight away!
Reply | Report as offensive | Link
Mon 11 Apr 2005 20:33
When is a claim recorded? - DavidHM
The problem with insurance contracts is that you have a duty to disclose all material facts, and an outstanding fault claim, or one resolved against you, is unquestionably a material fact.

Therefore, to ensure that your insurance will pay out/fail to pursue you if there is another successful claim against you, you will need to declare the prior claim.
Reply | Report as offensive | Link
Tue 12 Apr 2005 20:04
When is a claim recorded? - cdbr
Thanks, have done both;

1 Claim cost £1,150
2 Increase in quotation £45

Reply | Report as offensive | Link

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance

From which small car to buy at which price point to the best UK-built cars, our Top 10s have the lot. Click now for your shortlist.

Unsure of what to buy? Our Top 10s are here to help you....