Car Insurance Question

[NoMercy]

I purchased car insurance online this morning which will take effect from 28th December. My current providers have me covered until 29th.

Three hours after purchasing my new policy a car smashed into the back of me whilst I was sat at traffic lights, taking out my back bumper and parking distance sensors.

Obviously I will need to report and pursue claim but will I have to inform new providers as well? The information given at the time of purchasing the New policy was true and correct at the time I purchased it.

Thanks.

[albaqwerty]

bummer.

Are you OK?

I think you'll have to let your new insurers know. {plus remind them, that at the time, that info was true)

[NoMercy]

I've stopped shaking now!

I think I may have to go to A&E.

[boxtops]

Awwww - I hope you are OK, NoM.

I think you should tell your new insurers, as the claim will be outstanding as at the time they take over your policy tomorrow.

Not related but there might be a problem if anything happens on the 28th (God forbid) - you are currently covered under both policies for the 28th Dec, and that shouldn't be the case, to have dual cover - your new policy should have started at midnight on the 29th?

[albaqwerty]

get thee to A&E, just to get checked out and to make sure all is OK

Hugs NoM xxxx

[boxtops]

I agree, NoM -you need that checkup - just in case you have whiplash, or similar (as well as just making sure you are OK) - to have it on medical record early is a good thing. You might be very achy tonight..... let us know how you get on x

[NoMercy]

I will get checked out tomorrow at work.

Thanks guys.

[NoMercy]

Finally managed to speak to my insurers and they reckon I don't need to speak to the New insurers as I as they are not yet my insurers and the accident didn't occur until a few hours subsequent to the purchase of the new policy.

[furrypusscat]

I would be inclined to tell the new insurers as a matter of courtesy. Whilst you will be making a claim on the old insurance, it will be a claim against the insurance of the driver that ran into the back of you as it is always the fault of someone who hits you up the back end not yours so I cannot see that it will make any difference to the premium on your new insurance. However when you come to renew again, is there not a question which asks if you have made any claims within the last 3 or 5 years. A claim is any claim fault or non fault. Having given my input, I hope you are okay and agree that you need early checkup in case you need to claim for injury against the other driver.

[NoMercy]

I don't think it can possibly make a difference to the premium but I don't particularly want to spend half an hour on their premium rate line reporting an incident if I don't have to.

Thanks for replies.

[furrypusscat]

Yes, I see your point. These phone calls can be rather long and sometimes quite irritating when you have other jobs to do. How are you feeling today?

[NoMercy]

Tell me about it! I had a non-fault, total loss collision in June 2012 and my mobile phone bill in July was £385... It happened over the Jubilee Bank Holiday and the courtesy car providers were really messing me around.

I'm very achy today. :(

[ToraToraTora]

I wouldn't mention it to either of them, you are claiming off the third party surely. I know though they like you to let them know, it will cause you nothing but agro and it's not a legal requirement. I would get the insurers details off the third party and persue them.

[boxtops]

You have a duty to let the current insurers know, TTT, it's part of the small print - and if NoM has legal cover and particularly if she needs to claim for any personal injury, then doing it via her insurance company is the only sensible way to do it.

[boxtops]

...and in my experience it doesn't cause aggro at all, when we were hit up the rear our insurers handled it all quickly and efficiently, including the PI aspect.

[ToraToraTora]

perhaps boxy but the one and only time I did this I had to answer all the ins and outs of the cats proverbial and my premium went up even though It was a no fault claim.

[bhg481]

Anybody who is not completely honest with an insurance company is a utter fool. Remember they are effectively bankers by another name and they are in business to make money. Their first loyalty is to their shareholders, not policy holders and if they can find an excuse to refuse a claim they will. If the small print of the policy says that you tell them of any accidents, then do so. If you don't they can happily let you make payments to them for years and then, when you come to make a claim, say that your policy is invalid because you withheld something from them.