A bit confusing... - Civinfo
 
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post #1 of 9 (permalink) Old 6th February 2012, 23:14 Thread Starter
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A bit confusing...

So, a couple of years back, I had an accident whilst listed as the 2nd driver on my Dad's policy. We're about to part ways, insurance wise, but which one of us needs to declare this accident (non-fault, btw) on our insurance once we've both got our own?

I was driving, but it was his policy. I asked my current insurance company, but you'd think I just asked them to list the value of Pi to a thousand decimal places from the head scratching I got. They eventually concluded that we should both declare it, but surely this can't be the case?

I don't see how both of us should/could get nailed for future insurance hikes because of one accident. My logic would suggest it's me that declares it, as it was me driving, but then there's not always much logic in the world of insurance.

Any thoughts?
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post #2 of 9 (permalink) Old 6th February 2012, 23:27
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Quote:
Originally Posted by JohnnyBoy View Post
My logic would suggest it's me that declares it, as it was me driving
That would be my viewpoint. It's declared, and your dad takes no penalty for it. After all, I believe the questions on insurance forms are worded to the effect of "Have you or any named drivers had any motor insurance claims or incidents in the last 5 years?" Obviously when you've got different policies you answer "Yes" and your dad answers "No" and it's all above board.
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post #3 of 9 (permalink) Old 6th February 2012, 23:28
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don't get me started on that rip off fiasco
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post #4 of 9 (permalink) Old 7th February 2012, 00:04
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Quote:
Originally Posted by Syx View Post
That would be my viewpoint. It's declared, and your dad takes no penalty for it. After all, I believe the questions on insurance forms are worded to the effect of "Have you or any named drivers had any motor insurance claims or incidents in the last 5 years?" Obviously when you've got different policies you answer "Yes" and your dad answers "No" and it's all above board.
But when you say,'Have you' being the main driver/policy holder, had any motor insurance claims, surely his father has to answer 'yes'.
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post #5 of 9 (permalink) Old 7th February 2012, 06:26
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My friend works in claims for a insurance company, I will ask her for you. The problem with insurance company's is the only language they understand is
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post #6 of 9 (permalink) Old 7th February 2012, 06:29
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Like a cookie monster that eats money.

If your a named driver pretty sure ** the one who needs to declare. Your dad should not need to declare nout.
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post #7 of 9 (permalink) Old 7th February 2012, 09:37
 
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Hi Johnny Boy,

Syx and total_k-os are spot on.

It's the individual that was the driver at the time of the incident that would have to declare the incident when seeking Insurance.

If your father removed you from the policy he would not have to declare the claim.

The claim would be registered upon the Claims and Underwriting Exchange database (that holds details of all claims made) and providing your father's Insurer have supplied the detail correctly this will be listed as a claim under your name.

Kind regards

Tony
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post #8 of 9 (permalink) Old 7th February 2012, 09:41
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^^^^ this is exactly what my friend just said
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post #9 of 9 (permalink) Old 7th February 2012, 23:09 Thread Starter
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Quote:
Originally Posted by [email protected] View Post
Hi Johnny Boy,

Syx and total_k-os are spot on.

It's the individual that was the driver at the time of the incident that would have to declare the incident when seeking Insurance.

If your father removed you from the policy he would not have to declare the claim.

The claim would be registered upon the Claims and Underwriting Exchange database (that holds details of all claims made) and providing your father's Insurer have supplied the detail correctly this will be listed as a claim under your name.

Kind regards

Tony
Thanks for clearing that up, I'll have to make doubly sure they've got all the details right, as they'd even screwed up on the court paperwork, lol. Thankfully it's a non-fault claim anyway, so I'm hoping it won't hurt too much regardless.
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