VW - No fault accident claim

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Fri 15 May 2015 13:58
VW - No fault accident claim - Oldfiesta

I was struck by a vehicle moving from their driveway onto the main road on which I was travelling. They have admitted full responsibility and their insurance company has contacted me advising that their insured has admitted responsibility.

The car has been removed to a garage and is awaiting inspection by their company. As no claim will need to be made under my policy, I am worried about advisng my insurance company and ending up with a claim logged against my vehicle.

Question - do I have to advise my own insurance company?

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Fri 15 May 2015 14:35
VW - No fault accident claim - RobJP

Yes. You MUST tell your insurance company - immediately. Failure to do so would most likely be a breach of your terms and conditions.

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Fri 15 May 2015 15:55
VW - No fault accident claim - FP

As Rob says, you do have to inform your insurance company.

You say, "...no claim will need to be made under my policy..." That's what you hope, of course, and it may go through like that. If there's any retraction from the other party, you will need to claim on your policy and get the excess back as well.

It is possible your insurance company may try to raise your premiums as a result, even if you make no claim - it seems that this should not happen, but there are cases of customers having to fight hard to prevent it.

All of this potential hassle is totally unfair, but it's the way things are.

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Sat 16 May 2015 13:43
VW - No fault accident claim - TedCrilly

`Uberrima fides`.....or ` In utmost good faith`

Its a principle on which insurance operates and is based on, the one that states all material facts must be disclosed as part of the deal.

So......if your policy says you must tell your insurer, you must tell them.

As a result of this accident your car will now be logged on the motor insurance database as being subject of a claim. If you have to make a claim yourself your insurance company will check the database themselves and when they see there has been a previous claim on the car during the time they were covering it that they dont know about they will start asking you some very awkward questions and may even refuse to pay out alltogether.

The system is there to prevent fraud and therefore for the benefit of us all.

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Fri 22 May 2015 14:31
VW - No fault accident claim - slkfanboy

Write in big letters "THIS IS NOT A CLAIM". My father in law did just this, but had to take it to small claims all the same. The insurance company insisted it counted as a claim, needless to say my father in law one!

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