LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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cue only holds names addresses dob's and ni numbers, not vehicle reg's. thats from my mate who works in legal/pi at esure
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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But wouldn't a claim be registered against the name anyway? After all, when doing quotes it's asking you as an individual, not if the car you're quoting on has had an accident.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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no, because its not in his name. the claimant is this case is the other woman.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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That's a fair point and I want to believe what you're saying about this as it'd be ideal in those scenarios, but I can't help but be sceptical.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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following this stuff with gender not being able to be considered i think this needs to be the next thing addressed. with clear guidlines set out by an independent body stating specifically what you need to declare.
its only if youve utilised your policy, if you havent used your policy youre dont pose any extra risk and its illegal to load your policy off the back of it
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Not this again 
Simple fact is, declaring a non fault accident on your insurance (which you have to do as they ask you) will push your premium up compared to not declaring any accidents.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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We've established that and moved on Ben 
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ben G
Not this again
Simple fact is, declaring a non fault accident on your insurance (which you have to do as they ask you) will push your premium up compared to not declaring any accidents.
a non fault claim is when you have made a claim for something which wasnt your fault, ie someone crashed into your car and did a runner and you claim to fix it, or you have the details of the other person but you go to your insurer who pay to fix the car and claim the costs back from the other insurer. in both instances you have personally made a claim.
if the other party is making the claim for your car that is their a fault claim which they have made, not you
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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I've only just read it.
The same topic comes up on average once a month and theres always someone banging on about how it won't affect your policy.
But it does, because they ask you questions like the one you posted on the previous page.
Lee sounds right, but 99% of people in accidents will phone their own insurer to tell them they've been in a car accident, even if it wasn't their fault.
I've had 2, and both times I phoned them up so they could deal with it.
Would you rely on a complete stranger contacting their own insurance company to get your car fixed? I know I wouldn't.
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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quote:
Originally posted by LeeM
cue only holds names addresses dob's and ni numbers, not vehicle reg's. thats from my mate who works in legal/pi at esure
Vehicle registration can be recorded.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by Ben G
Not this again
Simple fact is, declaring a non fault accident on your insurance (which you have to do as they ask you) will push your premium up compared to not declaring any accidents.
a non fault claim is when you have made a claim for something which wasnt your fault, ie someone crashed into your car and did a runner and you claim to fix it, or you have the details of the other person but you go to your insurer who pay to fix the car and claim the costs back from the other insurer. in both instances you have personally made a claim.
if the other party is making the claim for your car that is their a fault claim which they have made, not you
It asks whether i've been involved in any accidents, REGARDLESS OF FAULT.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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and youd be stupid to say yes.
if they asked you how often you speed would you tell them?
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bigron1988
Member
Registered: 29th Aug 09
Location: Southport, Merseyside
User status: Offline
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quote:
Originally posted by Brett
quote:
Originally posted by bigron1988
lee is right , my first non fault accident i didnt deal with my insurance i just got there insurance to pay and fix it, second time they argued it so my insurance got involved, i only have to declare the second one as the insurance dont even know bout the first one
Has the insurance company or something official told you this or is that just you doing that, them not mentioning the other and you assuming it's ok? Doesn't mean it's right.
I understand Lee's worked in the industry whenever that was, but lying is lying and if found out then I assume that'd void your policy potentially when you're hoping for a payout.
i have a friend who works in insurance and he told me this
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by LeeM
and youd be stupid to say yes.
if they asked you how often you speed would you tell them?
That aside tho, you're still lying to quite a direct question on legal documentation. The main question for me is if they could find out or not.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Exactly. It's all well and good lying, but if you do get found out then they will either load your premium up or cancel the policy, which you'd then need to declare to the next insurance company you use.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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again, it comes down to what information they can legally use to increase your premium.
not making a claim cant be used against you. and if the claims not in your name theres no way to find out. there isnt a central databse for people who were involved in other peoples claims.
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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Wouldn't it just depend how they ask?
If they said "have you made any claims in the past 5 years" well the answer is no.
Ah so confusing tbh.
Just did some quotes online with and without. With its £300 more.
Money supermarket came up with cheep quotes! However on the 10 cheapest the excess was £3000 :s
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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I find it hard to believe that in this day and age where everything about everything is logged, how things like this could go under the radar.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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its just not logged. if you made a claim from someone insured with tesco and then took out a policy with tesco and their specific question was "have you been involed in any accidents in x years" and then they searched their databse for any third party vehicles involved in accidents with their policy holders then yeah i guess they could cancel your policy or adjust your premium for you lying. but its not gonna happen
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John
Member
Registered: 30th Jun 03
User status: Offline
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That last bit does happen. I've had the insurance tell me about a crash that was on claim when I was arranging insurance for someone else before. Policy was adjusted accordingly.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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will have been their own database, not a centralised one
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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But it might, so it depends whether you want to take the risk or not?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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depends what they ask. ive just checked, tesco asks for accidents, direct line asks if youve made any claims.
cover your back and go with one that asks if youve made any claims, that way you can say no and its not a lie
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Not liking this margin of error that's going on  Now it's turned into a game of roulette to see if they have it on their own database or not lol
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Admiral/elephant/bell/shielas wheels/diamond also ask about accidents.
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