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How to declare a claim that I paid to settle when changing insurer.

  • 21-09-2016 6:46pm
    #1
    ozt9vdujny3srf
    Closed Accounts Posts: 3,152 ✭✭✭


    I am currently looking for a new insurer. The one complication is that there was a claim against my current policy (€1200 euro) the cost of which I elected to cover completely myself in order to retain my no claims bonus.

    While I still have my no claims bonus, when filling out online insurer quote forms, they always ask if i have been at fault in any accidents, and how much did it cost my insurer. It doesn't seem to be possible to answer "€0" in this field.

    My question is: in this situation, what am I obliged to disclose to the insurer? Will this claim effect the cost of my next policy?

    Many thanks for any advice :-)


Comments

  • #2
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    London Obnoxious Seaweed wrote: »
    I am currently looking for a new insurer. The one complication is that there was a claim against my current policy (€1200 euro) the cost of which I elected to cover completely myself in order to retain my no claims bonus.

    While I still have my no claims bonus, when filling out online insurer quote forms, they always ask if i have been at fault in any accidents, and how much did it cost my insurer. It doesn't seem to be possible to answer "€0" in this field.

    My question is: in this situation, what am I obliged to disclose to the insurer? Will this claim effect the cost of my next policy?

    Many thanks for any advice :-)

    Did you initially register the claim with your insurer?


  • #3
    ozt9vdujny3srf
    Closed Accounts Posts: 3,152 ✭✭✭ozt9vdujny3srf


    Saul T Nutzz wrote: »
    Did you initially register the claim with your insurer?

    My insurer handled the claim and the repair, and I paid them for the full cost of the claim. So yes, I think?


  • #4
    Corvo
    Registered Users, Registered Users 2 Posts: 3,704 ✭✭✭Corvo


    Request a letter from your insurer outlining that you reimbursed them for the claim, that you recovered your No Claims Bonus and provide this with the usual documentation.

    However, as far as an online system goes, you won't be able to do all that there. Give whoever it is a buzz.


  • #5
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    If you reimbursed your insurer in full, you no longer have a claim against you. However, you are still obliged to declare you had an 'accident' and provide details for consideration


  • #6
    Amanda.ie
    Closed Accounts Posts: 185 ✭✭Amanda.ie


    I just renewed mine last month and the question asked was have you any claims/accidents in the last five years regardless if you were at fault or not.


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  • #7
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Amanda.ie wrote: »
    I just renewed mine last month and the question asked was have you any claims/accidents in the last five years regardless if you were at fault or not.

    Seems to be a pretty new development.
    Apparently some companies in the UK will load you even for non fault claims. Can't confirm if that is the case here but some just won't quote you here.


  • #8
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Special Circumstances wrote: »
    Seems to be a pretty new development.
    Apparently some companies in the UK will load you even for non fault claims. Can't confirm if that is the case here but some just won't quote you here.

    Theft, windscreen, malicious damage are examples of non fault claims. Do you not think it is reasonable for an insurer to load a policy of you encountered a few of those incidents in a short period of time?


  • #9
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Sue Pa Key Pa wrote: »
    Theft, windscreen, malicious damage are examples of non fault claims. Do you not think it is reasonable for an insurer to load a policy of you encountered a few of those incidents in a short period of time?

    You (and any other driver of the car you wish to insure) Have not been involved in any accident or claim, regardless of blame, in the past 5 years.


    Any accident or claim.


    Regardless of blame.


    Not just the heinous crime of being in the wrong place at the wrong time and getting a bad stone chip, and thereby showing yourself to be 50% at least more risky to insure than the car behind you... but also breaking the golden rule of insurance in Ireland.... claiming for personal injuries from a third party when you were completely not at fault. In Ireland, being a passenger in a taxi that was crashed into makes you an UN-INSURABLE risk as a driver for some insurers.

    But yeah, to answer your question, yeah - sounds about right to me, all this sounds 100% legit to me, you too?


  • #10
    Stealthfins
    Banned (with Prison Access) Posts: 1,141 ✭✭✭Stealthfins


    Why would an insurance company think a person who wasn't at fault in an accident be a risk ?

    Sure it doesn't make any sense.

    It seems they're doing anything now to make more bucks for the huge salaries for the top of the ladder.


  • #11
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Stealthfins wrote: »
    Why would an insurance company think a person who wasn't at fault in an accident be a risk ?

    Sure it doesn't make any sense.

    It seems they're doing anything now to make more bucks for the huge salaries for the top of the ladder.

    Not accidents as such, but non-fault claims in general. It's because they keep having to write cheques to compensate the insured.

    It may not be their fault but if they live in an area covered in stone chippings and the windscreen keeps getting broken, or if the car keeps getting stolen ( I had one where the car and the courtesy vehicle replacing it were stolen in the same week), or if they park beside a football pitch and a ball keeps denting the door, it has to stop sometime.

    The 'risk' is increased


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  • #12
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Stealthfins wrote: »
    Why would an insurance company think a person who wasn't at fault in an accident be a risk ?

    Sure it doesn't make any sense.

    It seems they're doing anything now to make more bucks for the huge salaries for the top of the ladder.

    T'is almost like they are trying to demonise genuine claimants!


  • #13
    9935452
    Registered Users, Registered Users 2 Posts: 2,785 ✭✭✭9935452


    Special Circumstances wrote: »
    Seems to be a pretty new development.
    Apparently some companies in the UK will load you even for non fault claims. Can't confirm if that is the case here but some just won't quote you here.

    I was rearended a year and a half ago. Not at fault. Claimed off the other persons insurance for the car.
    When looking for quotes online most wouldnt quote me as i was in an accident/had a claim.
    First ireland quotes me a tenor dearer for having a non at fault accident v no accident.


  • #14
    Stealthfins
    Banned (with Prison Access) Posts: 1,141 ✭✭✭Stealthfins


    Sue Pa Key Pa wrote:
    It may not be their fault but if they live in an area covered in stone chippings and the windscreen keeps getting broken, or if the car keeps getting stolen ( I had one where the car and the courtesy vehicle replacing it were stolen in the same week), or if they park beside a football pitch and a ball keeps denting the door, it has to stop sometime.

    Sue Pa Key Pa wrote:
    The 'risk' is increased


    A friend of mine was driving along the road and someone drove straight through the stop signs without looking and ploughed straight into their car.

    Does that mean the person who was driving along in a safe manor should be penalized for being in the right place at the wrong time ?


  • #15
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Stealthfins wrote: »
    A friend of mine was driving along the road and someone drove straight through the stop signs without looking and ploughed straight into their car.

    Does that mean the person who was driving along in a safe manor should be penalized for being in the right place at the wrong time ?

    The examples I gave are where the policyholder's on insurer ended up footing the bill. In your example, the 3rd party carries the can

    If you claim for ANYTHING under your policy where your insurer cannot recover from the other party, it is a 'risk' feature which needs to be assessed, but not necessarily held against you


  • #16
    ozt9vdujny3srf
    Closed Accounts Posts: 3,152 ✭✭✭ozt9vdujny3srf


    Hi, so to update on this.

    My "Certificate of No Claims Discount" only has 1 year of claims free driving under my policy, whereas it should have 6. This means they are counting it as me claiming even though I paid in full for the damage i caused just over a year ago.

    Is this correct? Surely this accident has cost the insurer nothing, and therefore was not a claim against my insurance? I sitll have the full "Discount", but as my current insurer are giving a ridiculous quote, this doesn't really help me.


  • #17
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    9935452 wrote: »
    I was rearended a year and a half ago. Not at fault. Claimed off the other persons insurance for the car.
    When looking for quotes online most wouldnt quote me as i was in an accident/had a claim.
    First ireland quotes me a tenor dearer for having a non at fault accident v no accident.

    I was told here that I "had zero credibility" and was talking nonsense or being ridiculous or was a moron or an idiot or didn't understand insurance for suggesting this possibility.


  • #18
    9935452
    Registered Users, Registered Users 2 Posts: 2,785 ✭✭✭9935452


    Special Circumstances wrote: »
    I was told here that I "had zero credibility" and was talking nonsense or being ridiculous or was a moron or an idiot or didn't understand insurance for suggesting this possibility.

    The possibility does sound ridiculous but im seeing that it is the case.
    Its just easier for people to think common sense should rule .

    IMO i believe that there are a lot of people who made claims on other policys and dont inform their insurance companys when getting quotes and thus hope that they have insurance in the event of an accident.
    Insurance companys are just looking for easy reasons not to pay out and that is just an easy one.


    Another interesting one , i heard that some insurance companys wont quote you if you claimed for 2 windscreens in the last 5 years.


  • #19
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    9935452 wrote: »
    The possibility does sound ridiculous but im seeing that it is the case.
    Its just easier for people to think common sense should rule .

    IMO i believe that there are a lot of people who made claims on other policys and dont inform their insurance companys when getting quotes and thus hope that they have insurance in the event of an accident.
    Insurance companys are just looking for easy reasons not to pay out and that is just an easy one.


    Another interesting one , i heard that some insurance companys wont quote you if you claimed for 2 windscreens in the last 5 years.

    The thing is that there are articles in the UK suggesting that there are companies there loading people by even 50% for 2 non fault claims of any type, including getting rear ended.

    Soon enough we'll need insurance for our insurance for our....




    Like car hire excess insurance I wonder is there a market for a specialist windscreen insurance and take it out of the hands of "oh a stone chip? That makes you a very dangerous driver" merchants.


  • #20
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Special Circumstances wrote: »
    Like car hire excess insurance I wonder is there a market for a specialist windscreen insurance and take it out of the hands of "oh a stone chip? That makes you a very dangerous driver" merchants.

    A claim means an insurer paying out money, regardless of whether you are a dangerous driver or not

    If an average premium is €500, do you think an insurer should allow a situation to continue, where they are paying out €250 for a windscreen every 12 months or so?


  • #21
    ASOT
    Registered Users Posts: 7,738 ✭✭✭ASOT


    London Obnoxious Seaweed wrote: »
    Hi, so to update on this.

    My "Certificate of No Claims Discount" only has 1 year of claims free driving under my policy, whereas it should have 6. This means they are counting it as me claiming even though I paid in full for the damage i caused just over a year ago.

    Is this correct? Surely this accident has cost the insurer nothing, and therefore was not a claim against my insurance? I sitll have the full "Discount", but as my current insurer are giving a ridiculous quote, this doesn't really help me.

    Is it your first year with that insurer? What does your point on ncd scale state? Also are you with axa?


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