Ginge !

THE DENT WAS ON MY RUNABOUT ESCORT CABRIO THATS INSURED AS A NORMAL SHITTY RUNABOUT

never claimed as the car is prob worth the same as the cost of the phone call

as for classic cars, there cars that are of a age that make em not used on a everyday basis due to them being rarer than normal cars and as such the owners usually take care of them and dont use em much

theres a mach1 mustang parked behind my cossie, would that be classed as a classic car as its a 72 mustang or a everyday car ?????

the owner of that car dont have a garage ( try and rent a garage in central london when paying a morgage on a flat the size of a rabbit hutch of overa grand a month, garage rents feel like they are not far off either ) but he covers it up and he washes it more times than i brush my teeth and be prob feeds the leather seats more times than tiff eats pies during the week

so just wondering what you class that car as ???

mattbibs

thanks for your reply tony. will give you a call when i buy one and see what we can do!

Jim Galbally

here's on for you tony...

a lorry took the side of my car off the other day...

i'm repairing it myself not going thru the insurance etc. but do i have to declare it, and if so what effect will it have on my policy?

saff_cossie

Don't see why you would as the question I was always asked was "have you had/made any claims or convictions in the past 5 years"

There is no Police record I take it either so as far as the insurance company is concerned nothing has happened and the only people who know will be you, the other driver and maybe a witness. Even a panel shop won't know what happened unless you tell them.

One of the biggest reasons for fixing a car with your own $$ is to save your insurance hike so if you had to inform them, it would defeat the purpose.

Correct me if I am wrong but this has always been the impression I have been under.

Tony @ Greenlight

Hi Jim,

All Insurers regard incidents as material information, whether they were claimed for or not.

Without knowing the full accident circumstances it's impossible to confirm, but i'll do my best to highlight each eventuality:

Assuming you are covered comprehensively - If an accident is not your fault, but you do not have the other side's Insurance details you would either claim under your accidental damage section of your policy, reduce your NCB (if not protected) and pay a policy excess, or repair yourself.

If you have paid for the repair yourself and not involved your insurer they would mark their records of the incident, but close the file on a "bonus allowed" basis providing they receive confirmation from you that you will not be proceeding to claim under your policy and they will not be exposed to this claim further down the line. The same would apply had the incident been your fault, but there was no damage to the other vehicle/object that you hit.

In the event that you hit someone elses car and choose to pay for your damage (if any) along with damage to the other vehicle/object, always get a signed receipt on the basis of "full & final settlement" and keep all papers relating to the incident.

You should still let your Insurer know of the incident and forward all papers along with the settlement receipt for what you paid to your Insurer, as your Insurer will note the claim as "zero" cost and hold your documents on record in case the third party (other person/s) tried to present an additional or duplicate claim to them.

Without advising your Insurer, the person that you paid could potentially take the money that you have paid for the repair, then also try and claim from your Insurer.

I hope this helps Jim, but if you need any other help or specific advice give me a call and i'll talk it through with you.

Kind regards

Tony