So, back in June a van stopped at a junction, then without warning reversed into me.
Bloke got out, looked at the minor damage to my car and apologised.
We swapped details, he admitted liability and we went our separate ways.
Then my insurers got in touch, saying this bloke was disputing the sequence of events, saying I drove into him.
I didn’t bother pursuing any claim as I’ve since traded in my old vehicle for another, without having the repairs done.
Just got my NCD form from my previous insurers, stating one open claim for £2210.
The claim is showing as open.
The amount quoted to have my car repaired was £700, so I’m assuming the claim is from the other driver.
Unfortunately, I was alone in my car, and there were two of them in the van.
Where do I stand with insurance law if I just ignore this?
No police were involved when the incident took place.
Ultimately this is a claim against your insurance company and not you. It’s up to them how they handle it but it is possible that the other party have tried this on before. Did you let your insurance company know at the time?
Sounds a bit dodgy.
Yes I let them know, and was initially going to claim against the other driver to have minor paint damage repairs done.
Decided not to when I traded in, and now my new insurers are stinging me for more money saying I didn’t declare the open claim.
I didn’t even know about the other claim until my NCD notification came in
Cheers.
I’ve no intention of pursuing my original claim, and am kind of resolved to being shafted by my new insurers.
Just wondered if the other drivers insurers can chase me for their bogus claim.
Not arsed if they chase my previous insurers, they can just suck it up.
I’m not sure how it’ll play out in your situation, I’m not a lawyer but it sounds very 50-50 to me. I don’t think the passenger in the van would count as a valid witness in any case.
Sounds like a classic case of money making through false claims. More and more of this going on of late - I’ve been considering getting dash cams for both our cars. As others have said, it’s not a claim against you. But will impact your future rates I suspect! Insurance companies try anything to put premiums up!
I was rear ended this week when driving the wife’s car - but the other parties insurance is dealing with it - hope they don’t write the car off as she’s had it since new and worth more to us than what they will likely offer if they decide it’s not worth repairing! Made sure I spoke to my own insurance companies, including ensuring I got in writing that the other party was fixing the car, and that I was therefore making a non-fault claim and it won’t affect my NCB or premiums.
Yes, it probably will, although if you continue to push they may wave it.
Similar thing happened to my family a few years ago. Part of the issue is that the cheaper insurance companies save money by not having a proper investigative unit to look into such cases, so can’t or wont follow cases up.
Sounds as if u didn’t have dashcam…but did u take photos, of a. The car, b. The damage an c. Vehicle that caused the damage…cause they tend to help…our photos and the bloke stood there saying it was my fault helped our claim 2 yrs ago…but I’m not sure of the other legalities…good luck …coz the insurers some will try and wriggle their way out of paying out
This will hang over your head until either your previous insurers pay the claim(morally wrong but legally correct) or you convince them that the other party are acting in bad faith(not likely).
Unfortunately this will result in you having increased premiums until its settled.
i wont bore everyone with the finer details but we need a smaller 2nd car as my daughter has got into a JPL football team. Due to training twice a week and playing twice a week we need another car.
Was looking at a Polo (we have a golf so its pretty much same car but smaller) and have noticed a few that says = this car is imported.
The cars havent been moded and I know you cannot do all checks as you can only check records since car came into the country but my question is…
Whats the deal with car insurance on an imported car? Is it more? Do I have to go to a specialist??
Cheers
Are you in the UK? If it has been imported as a RHD car it can only realistically have come from Ireland or it was sourced privately from a dealer somewhere in the EU.
Potentially, it may not be of the same specification as a car sold directly from the UK importer. That can affect the premium if it is lacking a particular safety feature or has features that are not standard on the UK spec.
I had an imported Polo in Germany. It was a former rental car from Spain. As far as I can tell, there was no material difference to the German spec car. The insurance premium was, I felt, very high but I had only had a German license for a few months and my previous insurance was for a RHD vehicle in the UK.
When I swapped the Polo for a significantly higher specced and much more powerful Golf the premiums went down although this was after two years of claim free insurance.
I suppose that you could always play around with one of those online insurance comparison sites and see what difference it makes.
I am in UK and a lot of these Polos seemed to be imported from Japan or Europe.
They dont have any mods as far as the description says. I know that if from Japan then the bottom of the car is immaculate as they dont use salt grit on their roads.
Made no difference in Ireland ,ripped off no matter what😒 .I’ve had a couple of honda civics and a mitsubishi mirage(colt)a good number of years ago but i don’t think there would be any difference when in the uk.Easy thing to do would be to call an insurance provider and ask the question .
I’d forgotten the Japanese route. The Polo seems rather a mundane choice for grey-market imports although if there is little second-hand market for them there is probably makes sense.
I was going to add Japan to this list (I see @Walshy07 has already). I knew a guy about a decade ago was planning to import 2nd hand cars from there as most people in Japan preferred to buy new cars, and often took great care to look after them.
Cars are so expensive now.
I have a late 2016 Golf GTD and wanted to trade it in (WeBuy would give me £13k) for a bit of a smoother ride so was looking at a Puma but they are between £21k-£23k second hand. Madness.
But then because of the JPL league if we don’t get 2nd car it means whoever doesn’t take her cannot go anywhere on a Tues or Thurs if they want to. We will both go to the matches so weekends aren’t a problem but this team want the girls there 2 hours before KO (home games) and wife goes gym on a Sat morning and with 2 cars she can still do that.
Looked at leasing but you need a big down payment and you have nothing at the end.
So now I need to lay out for 2nd car. Dont want something thats cheap but unreliable. It has to ULEZ compliant as well so Polo being 1.2 or 1.4 will be fine.
The price of second had cars has gone insane. I was able to sell the Polo I bought in 2019 for the same price in 2021 but with an extra 50,000km on it. The Golf I bought as a replacement would now cost me another €8,000 in the condition (age and mileage) that I have it in now.
I wonder if ULEZ type restrictions are pushing up the price of relatively newer cars? It stars making all-electric ones look far more affordable.
