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Odd question but not entirely sure what to do with this. On Friday someone smashed the drivers side wing mirror off my van. My neighbour witnessed this and said it was an orange supermarket delivery vehicle but didn't get the reg. They just drove off. Normally these things don't bother me but unfortunately a full replacement unit for just parts alone is a ridiculous amount of money as it's got all sorts of electrics in there (dab ariel, GPS attena etc). Anyways I rang sainsburies and they eventually called me back today and admitted it was their truck and gave me the reg number and their insurance details.
Do I need to involve my insurance? My van was parked at the side of the road so cannot see how this can end up with anything then them paying for the repair. If I take the van to VW the repair will be stupid money. Especially if I insist on them respraying the panel where the wing mirror has hit it and chipped the paint.
I'm really not keen for my insurance to be logging this as a claim as I don't see why it should be. But I know people who've had similar done by their insurers. So how best to approach this? I suspect I have little choice but to involve them
Cheers
Si
Do I need to involve my insurance? My van was parked at the side of the road so cannot see how this can end up with anything then them paying for the repair. If I take the van to VW the repair will be stupid money. Especially if I insist on them respraying the panel where the wing mirror has hit it and chipped the paint.
I'm really not keen for my insurance to be logging this as a claim as I don't see why it should be. But I know people who've had similar done by their insurers. So how best to approach this? I suspect I have little choice but to involve them
Cheers
Si
In reply to snoop6060:
And this is exactly why car insurance is so expensive. A smashed wing mirror used to involve buying a replacement glass or maybe a cheap plastic unit, now it's hundreds of pounds with all sorts of electrical bits.
For a quiet life I'd be inclined to do it through your insurance, it will probably cost you.
And this is exactly why car insurance is so expensive. A smashed wing mirror used to involve buying a replacement glass or maybe a cheap plastic unit, now it's hundreds of pounds with all sorts of electrical bits.
For a quiet life I'd be inclined to do it through your insurance, it will probably cost you.
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In reply to snoop6060:
It’s classed as an accident and therefore however it is repaired you must log the claim with your insurance because it will be on file with sainsburys insurance from their side. Although it will go down as no fault on your part you will still need to declare it each year when you renew until 3 or 5 years after the incident
It’s classed as an accident and therefore however it is repaired you must log the claim with your insurance because it will be on file with sainsburys insurance from their side. Although it will go down as no fault on your part you will still need to declare it each year when you renew until 3 or 5 years after the incident
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In reply to Adam15:
One of the joys of stopping loyal to one insurance company is that you only have to declare this sort of thing once
> It’s classed as an accident and therefore however it is repaired you must log the claim with your insurance because it will be on file with sainsburys insurance from their side. Although it will go down as no fault on your part you will still need to declare it each year when you renew until 3 or 5 years after the incident
One of the joys of stopping loyal to one insurance company is that you only have to declare this sort of thing once
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In reply to Adam15:
That's what I had feared. Because it's the drivers side I cannot drive the van. So it needs recovering to VW and a replacement van provided. Plus the parts are about 400 quid without being sprayed or labour. Add into that the cost of repairing the paintwork damage and the claim could be well over a grand for a friggin mirror. Beggers belief really.
Does a no fault claim go against you when calculating your premium? Got a feeling it does and that takes the piss.
That's what I had feared. Because it's the drivers side I cannot drive the van. So it needs recovering to VW and a replacement van provided. Plus the parts are about 400 quid without being sprayed or labour. Add into that the cost of repairing the paintwork damage and the claim could be well over a grand for a friggin mirror. Beggers belief really.
Does a no fault claim go against you when calculating your premium? Got a feeling it does and that takes the piss.
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In reply to snoop6060:
in 2012 I was hit head on by a driver who lost control coming out of a roundabout I was approaching and had crossed over to my side of the road. The police were called, I exchanged insurance details with the other driver,the driver of the car behind gave a witness statement in my favour. My car was undrivable , so the police arranged for it to be collected by a local garage as it was obstructing the road, and we arranged for a taxi to take my then wife and me home. No sooner had I walked in the front door than I received a call from the other driver's insurers admitting full liability, and asking if we had had any injuries we wished to claim for? Apart from some cuts and minor bruising we had no injuries, so I said no. They advised us to see our GP and told us that if the situation changed we would be entitled to c;aim. They arranged for a courtesy car to immediately be delivered to us from Enterprise Car Hire at their expense, and informed us that we would be hearing from their loss adjuster after he had inspected the car.
In accordance with the terms of my insurance I telephoned my insurers (Saga) to put them on notice telling them that the other driver's insurers had accepted full liability. They said that they would note it, and said carry on dealing direct with other driver's insurers. They said to notify them if anything changed.
The loss adjuster said my car was a write off and made me a very good offer. They also reimbursed me for all incidental expenses including the cost of the taxi home. The reiterated that if any injuries manifested themselves during the next few months which were attributable to the crash, I should notify them. None did. They also agreed to extend the courtesy car hire for another two weeks to allow time for me to try and find a replacement car.
When it came to renewal of my Insurance I got a quote from my own insurers and shopped around. All the companies recorded the crash as a "No fault " accident, and the premium was not increased, and my NCB was not affected. I had to mention this crash for 5 years whenever getting a quote, but no loading was applied to the premium and my NCB was unaffected.
in 2012 I was hit head on by a driver who lost control coming out of a roundabout I was approaching and had crossed over to my side of the road. The police were called, I exchanged insurance details with the other driver,the driver of the car behind gave a witness statement in my favour. My car was undrivable , so the police arranged for it to be collected by a local garage as it was obstructing the road, and we arranged for a taxi to take my then wife and me home. No sooner had I walked in the front door than I received a call from the other driver's insurers admitting full liability, and asking if we had had any injuries we wished to claim for? Apart from some cuts and minor bruising we had no injuries, so I said no. They advised us to see our GP and told us that if the situation changed we would be entitled to c;aim. They arranged for a courtesy car to immediately be delivered to us from Enterprise Car Hire at their expense, and informed us that we would be hearing from their loss adjuster after he had inspected the car.
In accordance with the terms of my insurance I telephoned my insurers (Saga) to put them on notice telling them that the other driver's insurers had accepted full liability. They said that they would note it, and said carry on dealing direct with other driver's insurers. They said to notify them if anything changed.
The loss adjuster said my car was a write off and made me a very good offer. They also reimbursed me for all incidental expenses including the cost of the taxi home. The reiterated that if any injuries manifested themselves during the next few months which were attributable to the crash, I should notify them. None did. They also agreed to extend the courtesy car hire for another two weeks to allow time for me to try and find a replacement car.
When it came to renewal of my Insurance I got a quote from my own insurers and shopped around. All the companies recorded the crash as a "No fault " accident, and the premium was not increased, and my NCB was not affected. I had to mention this crash for 5 years whenever getting a quote, but no loading was applied to the premium and my NCB was unaffected.
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In reply to snoop6060:
Unfortunately that's a big YES: https://www.ukclimbing.com/forums/t.php?n=675480&v=1#x8688885
I told my insurance people that it was a No fault No Claim notification but I still got clobbered. It pisses me off that in their eyes some prat hitting me from the rear makes ME more likely to have an accident/claim again. I'm still trying to work out the logic in that.
> Does a no fault claim go against you when calculating your premium? Got a feeling it does and that takes the piss.
Unfortunately that's a big YES: https://www.ukclimbing.com/forums/t.php?n=675480&v=1#x8688885
I told my insurance people that it was a No fault No Claim notification but I still got clobbered. It pisses me off that in their eyes some prat hitting me from the rear makes ME more likely to have an accident/claim again. I'm still trying to work out the logic in that.
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In reply to mypyrex:
It is totally illogical because yours was the complete opposite to my experience.
It is totally illogical because yours was the complete opposite to my experience.
In reply to mypyrex:
Agreed, no fault accident increases the premium as there is still a cost in dealing with your claim that your insurance company wants to attribute to it.
Dealing direct with a third parties insurer just means the third party pays out less in admin costs etc and especially hire cars as they can use their own contractors instead of reimbursing one not on their list.
However you look at it in the long run you’ll be out of pocket somehow when experiencing a no fault accident. Not fair but that’s insurance for you
Agreed, no fault accident increases the premium as there is still a cost in dealing with your claim that your insurance company wants to attribute to it.
Dealing direct with a third parties insurer just means the third party pays out less in admin costs etc and especially hire cars as they can use their own contractors instead of reimbursing one not on their list.
However you look at it in the long run you’ll be out of pocket somehow when experiencing a no fault accident. Not fair but that’s insurance for you
In reply to snoop6060:
I have tried, I really have, but I cannot understand why for any earthly reason someone would buy car insurance and then not use it. I see it time and time again on these forums.
I also can't understand why people buy the cheapest.
Maybe the two things are linked.
I have tried, I really have, but I cannot understand why for any earthly reason someone would buy car insurance and then not use it. I see it time and time again on these forums.
I also can't understand why people buy the cheapest.
Maybe the two things are linked.
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In reply to XXXX:
It's not difficult to understand.
People buy car insurance because it's a legal requirement.
People buy the cheapest because they don't see any point spending more than they have to.
People don't claim on their insurance because they have worked out that it will cost them more in the long run if they do.
Buying fancy insurance and using it for small claims is fine if you have plenty of money and want an easy life, but it's not an economic way of doing it.
It's not difficult to understand.
People buy car insurance because it's a legal requirement.
People buy the cheapest because they don't see any point spending more than they have to.
People don't claim on their insurance because they have worked out that it will cost them more in the long run if they do.
Buying fancy insurance and using it for small claims is fine if you have plenty of money and want an easy life, but it's not an economic way of doing it.
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In reply to snoop6060:
Unfortunately, as others have said, you will have to declare it and it may affect your premium. Hopefully not by much though. I recently took out insurance for my newly acquired van and they upped the premium by £40 for an incident like yours where I was hit while parked, plus two new windscreens (which I thought didn't count). I haggled this down to an £8 increase.
If your mirror is over £400 it's still worth claiming though. Especially as now the other driver has admitted it and you'll have to declare it anyway.
Unfortunately, as others have said, you will have to declare it and it may affect your premium. Hopefully not by much though. I recently took out insurance for my newly acquired van and they upped the premium by £40 for an incident like yours where I was hit while parked, plus two new windscreens (which I thought didn't count). I haggled this down to an £8 increase.
If your mirror is over £400 it's still worth claiming though. Especially as now the other driver has admitted it and you'll have to declare it anyway.
In reply to Hooo:
I do wonder whether different insurance companies have different rules, or if it’s a case of if it does cost them for say admin etc they will charge more.
I was similar to Trangia. My car was parked and damaged by a hit and run driver. The husband of the driver though came to tell me fortunately or I would never have known who did it. Claimed off my insurance, but as it was no fault on my part they (later on discovered) “sold” their involvement in the claim to an claims management company who claimed off the other parties’ insurance. My car picked up by breakdown trailer, taken to approved repairer, rental car delivered to my home and kept for 15 days and full repair all with no increase in my premium for a claim that apparently cost £2.5k.
Maybe if I had rejected the claims management company, which I nearly did as it was a cold call type, and got my insurer to deal with it I would have had an increase in premium, who knows. My company presumably got paid for the referral so probably had no loss, and unfortunately for the other party it was their insurance that picked up the full bill including the management company.
Only downside was my insurer sold details of the claim to others also and so I regularly got cold calls from accident claims companies trying to get me to claim for personal injuries even though I was no where near the car at the time of the accident. Went on for two years: persistent they all were!
I do wonder whether different insurance companies have different rules, or if it’s a case of if it does cost them for say admin etc they will charge more.
I was similar to Trangia. My car was parked and damaged by a hit and run driver. The husband of the driver though came to tell me fortunately or I would never have known who did it. Claimed off my insurance, but as it was no fault on my part they (later on discovered) “sold” their involvement in the claim to an claims management company who claimed off the other parties’ insurance. My car picked up by breakdown trailer, taken to approved repairer, rental car delivered to my home and kept for 15 days and full repair all with no increase in my premium for a claim that apparently cost £2.5k.
Maybe if I had rejected the claims management company, which I nearly did as it was a cold call type, and got my insurer to deal with it I would have had an increase in premium, who knows. My company presumably got paid for the referral so probably had no loss, and unfortunately for the other party it was their insurance that picked up the full bill including the management company.
Only downside was my insurer sold details of the claim to others also and so I regularly got cold calls from accident claims companies trying to get me to claim for personal injuries even though I was no where near the car at the time of the accident. Went on for two years: persistent they all were!
In reply to Hooo:
I spoke to sainsburies insurers this morning and they said they are happy to deal with me direct if the store admits liability. Which they have done obviously. They said if you don't want involve your insurer you don't have to and I can just either get the van repaired and send them a bill or they will sort it out. So I'll just get it sorted myself and send them the bill. Which is alot less of hassle than dealing with my insurer and having to pay my excess then claim it all back.
I spoke to sainsburies insurers this morning and they said they are happy to deal with me direct if the store admits liability. Which they have done obviously. They said if you don't want involve your insurer you don't have to and I can just either get the van repaired and send them a bill or they will sort it out. So I'll just get it sorted myself and send them the bill. Which is alot less of hassle than dealing with my insurer and having to pay my excess then claim it all back.
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In reply to Climbing Pieman:
No - unfortunately for everyone who pays the premiums on any kind of insurance, including you.
We all pick up the bill for the shysters whose first question when you ask them to quote is "will this be an insurance job, or are you paying yourself?"
The insurance industry doesn't give a shit, which is why they have such an inglorious history of involvement in all manner of dodgy 'claim farming' shenanigans, they simply crank up the premiums and pass the costs along to the customer.
> and unfortunately for the other party it was their insurance that picked up the full bill including the management company.
No - unfortunately for everyone who pays the premiums on any kind of insurance, including you.
We all pick up the bill for the shysters whose first question when you ask them to quote is "will this be an insurance job, or are you paying yourself?"
The insurance industry doesn't give a shit, which is why they have such an inglorious history of involvement in all manner of dodgy 'claim farming' shenanigans, they simply crank up the premiums and pass the costs along to the customer.
Post edited at 12:55
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In reply to snoop6060:
Just to answer my own questions in case anyone is interested in the future. I decided for peace of mind to ring my own insurer which is one that specialises in converted vans and ask their advice. Basically they said since sainsburies have admitted liability then either they can deal with it for me. No excess to pay, no loss of no claims and it would not affect my renewal price but would have to be declared as a no fault claim as expected. Or, I can deal with it privately and don't have to declare it as a no fault claim but if something goes wrong like the repair damages my van or whatever then they cannot help. This way it's just put as a notification on my insurance but not a claim of any sort. Given I can fix this myself for about £400 and it's just wing mirror I'm goin to do that for simplicity. I don't really want to deal with recovery trucks, replacement cars, claims people and then someone deciding all this should cost 2.5k even if it's an insurance company paying it. Just makes no sense. Work at home anyway so pretty sure I'll cope till it's delivered.
Just to answer my own questions in case anyone is interested in the future. I decided for peace of mind to ring my own insurer which is one that specialises in converted vans and ask their advice. Basically they said since sainsburies have admitted liability then either they can deal with it for me. No excess to pay, no loss of no claims and it would not affect my renewal price but would have to be declared as a no fault claim as expected. Or, I can deal with it privately and don't have to declare it as a no fault claim but if something goes wrong like the repair damages my van or whatever then they cannot help. This way it's just put as a notification on my insurance but not a claim of any sort. Given I can fix this myself for about £400 and it's just wing mirror I'm goin to do that for simplicity. I don't really want to deal with recovery trucks, replacement cars, claims people and then someone deciding all this should cost 2.5k even if it's an insurance company paying it. Just makes no sense. Work at home anyway so pretty sure I'll cope till it's delivered.
Post edited at 13:31
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In reply to Climbing Pieman:
"... rental car delivered to my home and kept for 15 days and full repair all with no increase in my premium for a claim that apparently cost £2.5k...."
Another reason why insurance is expensive is that the hire car company (probably part of the same claims handling company) will be charging a serious premium for the car to bump the claim up a bit on top of which they'll add a % in claims handling fees.
It's all a massive con as usual
"... rental car delivered to my home and kept for 15 days and full repair all with no increase in my premium for a claim that apparently cost £2.5k...."
Another reason why insurance is expensive is that the hire car company (probably part of the same claims handling company) will be charging a serious premium for the car to bump the claim up a bit on top of which they'll add a % in claims handling fees.
It's all a massive con as usual
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In reply to Hooo:
Actually 3rd party is a legal requirement, you don't have to insure your own vehicle. So once you've decided to insure it, why not use it?
Sausages and insurance, I never buy the cheapest of either.
Actually 3rd party is a legal requirement, you don't have to insure your own vehicle. So once you've decided to insure it, why not use it?
Sausages and insurance, I never buy the cheapest of either.
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In reply to XXXX:
Because in this case it's just a wing mirror and life is too short for dealing with insurance companies where it can be avoided. If they'd totalled my van or something serious then I'd obviously use them.
Because in this case it's just a wing mirror and life is too short for dealing with insurance companies where it can be avoided. If they'd totalled my van or something serious then I'd obviously use them.
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In reply to XXXX:
I bought the cheapest insurance I could find. This is fully comp, which was much cheaper than TPO or TPFT.
If someone knocks off my wing mirror I could claim for it, but it would put my premiums up for the next 5 years. If my estimate of the extra cost of the premiums is more than the cost of the mirror, then it would be a silly decision to claim for it.
If I write off the car, then the additional premiums will almost certainly be less than the cost of the car, so I will claim for it.
Do you understand now?
What do you gain from your expensive insurance BTW? I'm interested.
I bought the cheapest insurance I could find. This is fully comp, which was much cheaper than TPO or TPFT.
If someone knocks off my wing mirror I could claim for it, but it would put my premiums up for the next 5 years. If my estimate of the extra cost of the premiums is more than the cost of the mirror, then it would be a silly decision to claim for it.
If I write off the car, then the additional premiums will almost certainly be less than the cost of the car, so I will claim for it.
Do you understand now?
What do you gain from your expensive insurance BTW? I'm interested.
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In reply to Hooo:
I had three non fault accidents in a year and my premiums came down the next year.
I don't have expensive insurance. I just don't have the cheapest.
What I get is this. I have never asked anyone, is it worth using this insurance I pay for?
I had three non fault accidents in a year and my premiums came down the next year.
I don't have expensive insurance. I just don't have the cheapest.
What I get is this. I have never asked anyone, is it worth using this insurance I pay for?
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