Advice on a insurance claim please? No D.O.E = No insurance?

Bodacious

I had a tip with a parked van(my fault) and tried to get it sorted without involving insurance companies etc but other party has insisted on going insurance route so I have agreed.

Now it turns out they have no DOE or tax on van. will my insurance company find this out give them nothing?

Anan1

No. If you rear-end a bank robber with no license, tax or insurance they can still claim.

MugMugs

Insurer's are now legal enforcers of the law. They are a business. Your liability still remains irrespective of their vehicles status.

You could always insist his insurer deals with it and subrogates against your policy. His insurer could well refute his claim and cancel his policy as with no DOE his vehicle could be deemed unroadworthy.

Thats all very out there but could be handy for having a chat re settling privately

Bodacious

MugMugs wrote: »

Insurer's are now legal enforcers of the law. They are a business. Your liability still remains irrespective of their vehicles status.

You could always insist his insurer deals with it and subrogates against your policy. His insurer could well refute his claim and cancel his policy as with no DOE his vehicle could be deemed unroadworthy.

Thats all very out there but could be handy for having a chat re settling privately

Thats what i thought .. easier talk to them if insurance company wont pay out as no D.O.E means no insurance or does that matter if they claiming off of my insurance

Anan1

Bodacious wrote: »

as no D.O.E means no insurance

It doesn't. In any case, they could still claim against your insurance even if they were uninsured. If they don't want to settle privately then that's their right - you're just going to have to accept it.

Atlantic Dawn

Bodacious wrote: »

Thats what i thought .. easier talk to them if insurance company wont pay out as no D.O.E means no insurance or does that matter if they claiming off of my insurance

The way it works is if the car you hit is untaxed, uninsured and driven by a drunk driver that was periously banned from driving for 100 years your insurance will pay out, if at the same time though your car has no tax, nct they may not cover your insurance but they must cover the third parties.

Bodacious

Atlantic Dawn wrote: »

The way it works is if the car you hit is untaxed, uninsured and driven by a drunk driver that was periously banned from driving for 100 years your insurance will pay out, if at the same time though your car has no tax, nct they may not cover your insurance but they must cover the third parties.

Thats gas but either way i was going to pay up as i know the people just thought that my insurance would get into with theirs and they would come back with we aint paying. Thats fair enough.

So they always cover 3rd party so if car with no nct bangs mine id get paid but person with no nct has to go without?!

Atlantic Dawn

Bodacious wrote: »

So they always cover 3rd party so if car with no nct bangs mine id get paid but person with no nct has to go without?!

No you could still get paid but the insurance company can use their terms and conditions from their policy document to not pay your claim if they wish, some have a roadworthy clause.

tippniall

have you considered asking a loss assessor for advice?