Insurance question (sorry!)

Speak to Tim Kelly at www.motorclaimguru.co.uk/

He has all the answers you want, and if you're lucky, he'll get it sorted for you

That's a bit more reassuring. This is the first time I've had to make any sort of claim in 26 years of driving so I had no idea what to expect. It seems to have taken a long time to sort out - 3 months plus - compared to other friends and family experience.

It’s quite common for third party insurers to do absolutely nothing until your insurer literally files to take them to court to recoup expenses, even after they’ve admitted liability. After all, it’s not costing them anything until they’re forced to pay up.

I’ve had some pretty bad ones over the years. Two years ago some blind old b@st@rd who shouldn’t have been driving (he failed a sight test at the side of the road) drove right into the front of my falcon at a priority control in my favour. Pretty cut and dried you’d think, with the police attendance and all? Nope.

The 3rd party insurer spent a year trying to get me to go 50/50, which I refused to do every time given the attending officer refused to let him drive home. My insurer asked me repeatedly what I wanted to do, every time the answer was ‘go to court’. It went to the point they filed and got a court date (18 months after it happened) before the third party admitted liability and paid up. I saw 6 grand out of it, so god knows what it actually cost them by the time all involved had added their commission. . But the point is it didn’t cost them a penny until 18 months after it happened and they were legally forced to capitulate. I have a very good insurer who paid me out within a few weeks, and they saddled the cost for that entire period without loading my pricing.
But such behaviour is entirely normal in insurance world.

I have had a no fault claim, and if on the insurance form when buying or renewing it asks if you have had any claims in the past I tick NO, otherwise they will load you.

Message to the OP: my claim was a fairly simple one, I too was rear ended [fnarr fnarr] and it took over a year to get a payout/settlement, I went via an accident management company and not via my insurance, if I had another non fault claim I would do the same thing again, it keeps my own insurance company "out of it". And therefore it looks like you have never made a claim.

rapidyellow
Failing to disclose any accident you are involved in is not a good idea, in effect you are lying to your insurance company, could invalidate your insurance.
Linky