Quizzes & Puzzles0 min ago
Car Insurance Validity
My girlfriend had a car accident, her car was badly damaged, no other cars or people involved. She was breathalised and was just over the limit. Will she still be able to claim on her car insurance for her vehicle?
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It depends who the insurer is - some specifically state in the policy conditions that any accident that occurs as a result of the driver being under the influence of drink or drugs will not be covered (apart from third party risks as per the minimum requirement under the law), whereas other insurers will actually cover it.
It's not a simple black and white case of yes or no.
The company I currently work for will not cover you, but the company I previously worked for would.
Reqad the policy book, or alternatively ask the insurers - pointless lying or hiding the fact as inevitably the police contact us to obtain details of the policy and grass the drive rup anyway.
If you lie and it would have been covered, we would then throw your claim our for providing misleading information (fraud), which means we add you to a data base that zeroes your credit rating for 13 months, and you have a permanent marker on it too (you won;t be able to get mortgages, phone contracts - anything that requires a credit check basically).
It's not a simple black and white case of yes or no.
The company I currently work for will not cover you, but the company I previously worked for would.
Reqad the policy book, or alternatively ask the insurers - pointless lying or hiding the fact as inevitably the police contact us to obtain details of the policy and grass the drive rup anyway.
If you lie and it would have been covered, we would then throw your claim our for providing misleading information (fraud), which means we add you to a data base that zeroes your credit rating for 13 months, and you have a permanent marker on it too (you won;t be able to get mortgages, phone contracts - anything that requires a credit check basically).
R1 geezer, in that scenario, you would limkely be charged not only with drink drivbing, but also dangerous driving.
Dangerous driving is defined as a deliberate act (ie you are driving in the knowledge that your manner/speed is dangerous). and as such would not likely be covered by your insurance.
Drink dirving, as covered by myself and flip flop is not necessarily reason enough to refuse a claim.
I don;t know how many ''I was only driving at 30mph when the deer ran out'' claims I see, when it is blatantly obviouss that the ****** was doing in excess of 60mph - people lie, we know it, it is not something we can refuse a claim on, nor can we reduce the amount we pay for it - this is a similar attitude to ''refuse the first offer'' - urban myth.
Each insurance policy contains different terms and conditions from insurer to insurer. Some insurers will not cover you if your car is stolen by a family member, some will cover you if you crash your car pi55ed. On the flip side, other insurers will cover exactly the opposite, both, or neither of the above scenarios.
I have never encountered a case in all my time dealing with total loss and fraud claims whereby we have sanctioned a reduced offer due to excessive speeding, talking on a mobile, etc - the ombudsman would not accept that behaviour, and as such our claims department would not do that.
The only likelyhood of a reduced settlement is whereby undisclosed convictions or claims mean we have to retrospectively increase the premium , or if the condition of the car means we will only pay a percentage of the repair costs.
You're talking absolute toss R1 - in the future, you may want to let claims handlers answer these questions and stick to bluffing your mates down the pub
Dangerous driving is defined as a deliberate act (ie you are driving in the knowledge that your manner/speed is dangerous). and as such would not likely be covered by your insurance.
Drink dirving, as covered by myself and flip flop is not necessarily reason enough to refuse a claim.
I don;t know how many ''I was only driving at 30mph when the deer ran out'' claims I see, when it is blatantly obviouss that the ****** was doing in excess of 60mph - people lie, we know it, it is not something we can refuse a claim on, nor can we reduce the amount we pay for it - this is a similar attitude to ''refuse the first offer'' - urban myth.
Each insurance policy contains different terms and conditions from insurer to insurer. Some insurers will not cover you if your car is stolen by a family member, some will cover you if you crash your car pi55ed. On the flip side, other insurers will cover exactly the opposite, both, or neither of the above scenarios.
I have never encountered a case in all my time dealing with total loss and fraud claims whereby we have sanctioned a reduced offer due to excessive speeding, talking on a mobile, etc - the ombudsman would not accept that behaviour, and as such our claims department would not do that.
The only likelyhood of a reduced settlement is whereby undisclosed convictions or claims mean we have to retrospectively increase the premium , or if the condition of the car means we will only pay a percentage of the repair costs.
You're talking absolute toss R1 - in the future, you may want to let claims handlers answer these questions and stick to bluffing your mates down the pub
She can claim for insurance if she opted for insurance. For further details to claim for car insurance, visit this following link for better details.
http://insurance-plan-guide.blogspot.com
http://insurance-plan-guide.blogspot.com
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