Insurance Question

Honest John Back Room » Motoring discussion
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Sun 7 Aug 2005 23:04
Insurance Question - tack
A friend of a friend (honest, it's true) left his car with a mechanic for repair. Whilst the mechanic was road testing the car, a speeding stolen vehicle crashed into the friends friends car and wrote it off. The stolen car driver ran off.

Question is.....who will be coughing up? The mechanics insurance? the stolen car owners insurance? or the friends friends insurance?
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Sun 7 Aug 2005 23:14
Insurance Question - DavidHM
If the policies exist, are in force, and cover that event, in they'll pay up in that order.

The problem arises when that's not covered, the policy never existed, and so on.

The friend's friend is likely to have to claim on his own insurance and wait (and wait - this is why legal expenses is a good idea) to recover from the insurers higher up the chain.
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Sun 7 Aug 2005 23:26
Insurance Question - maclean
The mechanic will probably have traders insurance but might be reluctant to put in a claim on it.He could only claim if his cover is comprehensive.He would probably lose his NCD.

If I were your friend I would contact the Motor Insurers Bureau in Milton Keynes to make a claim against them if the stolen car is uninsured( or the owner of the stolen car's insurance policy if it was insured )The MIB will tell you which company insured the stolen car.

If the above fails all is not lost.Most private car comprehensive policies cover damage whilst the car is in the hands of a garage even if the driving is restricted to the owner only.A check of the wording will tell your friend if this is the case.Claiming might well involve loss of NCD.

The position is not that straightforward to deal with and the above only gives the basic points but I hope this helps.


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