Car Ins Quotes

[Bazile]

Just using one of these car insurance comparison sites .

Re accidents - it asks if the accident was my fault - Yes or No
The accident was settled on a 50/50 basis - however there is no option for 50/50

Would you put it down as ' NO ' ?

[bhg481]

I think "No" would be a dishonest answer - you were at least partly to blame.

[Baldric]

www.spencerssolicitors.com/accident-guides/what-is-a-split-liability-agreement.html
A 50/50 split liability agreement should not be confused with a 'knock for knock' agreement. If liability is agreed on a 50/50 basis, both parties are accepting 50% blame for the cause of the accident, and you will receive 50% of the overall value of your claim from the other side's insurance company.

[Bazile]

The confused.com site states the following -

3.Confused.com guarantees that the price you pay for a new policy purchased through www.confused.com during the promotion period will be cheaper than the renewal price offered by your current insurance provider, or we will refund the difference plus £20, subject to the following criteria:

If the conditions are met ( in my case I don't see any problem ) is there a catch ? - I cant see one .
But my renewal quote is hundreds more than the cheapest quoted on confiused .com .

Would they really refund me hundreds of pounds do you think - or is the catch in an argument as to whether it is ' like for like ' ?

Would anyone be kind enough to have a look at the full terms and conditions on the site to see if you can see any loopholes ?

Just seems too good to be true .

thanks

[Bazile]

It's not a knock for knock , Baldric .

I received back 50% of my excess
However there is no option for a 50/50 - just at fault or not at fault .

[Baldric]

It was this bit of the OP

///The accident was settled on a 50/50 basis///

that confused me baz.

[Baldric]

Also see
//A 50/50 split liability agreement should not be confused with a 'knock for knock' agreement. ///

@ 16:57

[EDDIE51]

If it was 50/50 then it was 50% your fault , so the answer to
' was it my fault?' is 'Yes'
'It would only be 'no' if the other driver and their insurance company has admitted 100% blame.

[Arrods]

I think most, if not all, insurers have dispensed with knock-for-knock agreements.

[Bazile]

While we are on this subject of fault /non fault

A family member was proceeding along a road - vehicles parked on either side .
A car coming in the opposite direction stopped at a gap in the parked cars to let him through .
He proceeded through and there was a collision at the driver side rear of his vehicle .
He believes that the other driver proceeded off and turned in without waiting for him to fully pass, thus causing the collision

By the time the family member had found a safe spot to turn around ( a few meters further on ) and return to the site of the incident ; the other driver had gone .

The family member reported the incident to his insurers .
They have received no claim from anyone regarding the incident .
They have recorded it as a 'notification' incident only

Would he be correct in answering the question as above, as 'not a fault accident ' when he comes to him searching for insurance quotes for himself ?

[bhg481]

I would argue "Yes", since no claim arose from it. The other car either suffered no damage worth worrying about or the driver thought it was his fault.

[Bazile]

Thanks bhg481 / and everyone for your replies