Crash 20 minutes after getting insurance

maxwell smart

My mate just crashed his car 20 minutes after getting his insurance online with 123.ie Lucky nobody else involved apart from a bollard in the carpark!

Anyway, smiling aside he reckons the insurance company are going to be very suspect about the whole thing as it sounds like there is a whole lot of damage.

The car is an old Merc worth a grand at best, will the insurance company be awkward? (I hope he filled that online application in correctly!)

Thoughts on where he stands?

-Corkie-

That sounds more like I crashed in to a bollard and then got insurance of 123.ie 20 minutes later...

In any case he is better of paying out of his own pocket if the car was worth F all..

Dardania

is there CCTV? Usually they have a timestamp...

With the likely excess versus the cost of repair, and even allowing for the bollard - is it worth it to make a claim?

alias no.9

maxwell smart wrote: »

My mate just crashed his car 20 minutes after getting his insurance online with 123.ie Lucky nobody else involved apart from a bollard in the carpark!

Anyway, smiling aside he reckons the insurance company are going to be very suspect about the whole thing as it sounds like there is a whole lot of damage.

The car is an old Merc worth a grand at best, will the insurance company be awkward? (I hope he filled that online application in correctly!)

Thoughts on where he stands?

If the car is worth as little as that, call the scrappy to pick it up and walk away. The car will be written off, probably at a value less than your friend would like. Your friend will have to cover the excess. Your friend will have to fork out extra for insurance for the next few years, with a claim on his record and the loss of any no claims bonus.

thebiglad

maxwell smart wrote: »

My mate just crashed his car 20 minutes after getting his insurance online with 123.ie Lucky nobody else involved apart from a bollard in the carpark!

Anyway, smiling aside he reckons the insurance company are going to be very suspect about the whole thing as it sounds like there is a whole lot of damage.


The car is an old Merc worth a grand at best, will the insurance company be awkward? (I hope he filled that online application in correctly!)

Thoughts on where he stands?

He will only be claiming is he has comprehensive cover, for a car worth 'at best a grand' surely he hasn't.

Lets assume he had an insurance policy prior to one with 123.ie and that insurance was on same basis, excess level etc and covered him until the 123.ie policy took over - then he will have no issues.

If he was not previously insured, had a less type of cover (non-comprehensive) then he is going to have try and find a way to evidence the time of the accident

Sorry but it will look very suspicious.

Might be worth considering anyhow whether with the additional hassle, after payment of excess and loss of no claim bonus whether getting it repaired himself is a better option.

Eric Cartman

i wouldnt even bother my arse telling the insurance if the cars worth nothing , if its a writeoff go and get another one and go change reg , if its light damage just go find the parts or tap it out.

maxwell smart

It was in Tesco and there is cctv coverage, its his first policy!

I reckon it's a scrap job myself

alias no.9

maxwell smart wrote: »

It was in Tesco and there is cctv coverage, its his first policy!

I reckon it's a scrap job myself

Did he do any damage that Tesco are likely to be seeking to be fixed? If not, chalk this one down to experience and walk away.

Tefral

Ive heard stories where this has happened and people reported their car stolen. Insurance fraud is what that is.

Anyway OP I wouldnt bother claiming if thats the case. Surely on a car worth that little there wasnt comprehensive insurance on it?

Alanstrainor

First policy?

He would be absolutely insane to claim. Scrap it and start again.

jhegarty

Comprehensive on a 1k car ?

mikemac

It's only a bollard but did Tesco have anything to say about damage?

Unlikely but just something to think about

charlemont

Alanstrainor wrote: »

First policy?

He would be absolutely insane to claim. Scrap it and start again.

+1.

Idbatterim

where on the car did he hit?

maxwell smart

Head first into the bollard. Bollard not a scratch! Plenty of damage to his car.

Tesco security guard had a look at the bollard and was happy with its performance!

This guy has always been unlucky!

Idbatterim

is it only the bumper thats screwed or is it also bonnet etc?

maxwell smart

Trying to get a picture off him!

MagicMarker

Tell him to scrap it and buy a bicycle, for his sake and everyone elses.

needadvi

Sounds dodgy alright! If he is that unlucky well then what can one do, but bad luck has nothing to do with stupidity. Does he really think it's a good idea to tell the insurance company for a car that's worth 1k? Hmmm......

Samhain

He would be mad to claim, it will make a balls of his no claims bonus and pay way more next year. Either fix the damage or scrap it and get a different car and put it on the existing policy.

paddydriver

Whats the debate here? He was either 20mins into a new policy or 20mins out of an old policy? Or did he not actually ever have insurance and decided to take it out 20mins after he had a bad smash and before it got messy.

So this crash happened at about 00:20 in the morning so was there drink involved? - this is assuming his new policy started at 00:00 on the first day or cover; as would be the norm.

Just wondering...

Monty.

Did he enjoy his donut ?

Anan1

paddydriver wrote: »

So this crash happened at about 00:20 in the morning so was there drink involved? - this is assuming his new policy started at 00:00 on the first day or cover; as would be the norm.

A new policy will start at whatever time the policyholder wants it to, renewals tend to run from midnight.

MonaghanPenguin

Did he really have full comp on a car worth 1000 on his first policy?

jimmyw

Sitec wrote: »

He'd be insane to claim on his insurance!

Tell him to buy a cheap Micra, he started off to big for his boots with the Merc.

You have hit the nail bolllard on the head there I think;).No, insurance will screw him, thats assuming they pay at all.No as others have said, forget the insurance.

Marcusm

maxwell smart wrote: »

Head first into the bollard. Bollard not a scratch! Plenty of damage to his car.

Tesco security guard had a look at the bollard and was happy with its performance!

This guy has always been unlucky!

This story is weird, first car and he gets fully comp on a 1000EUR car then drives head first into a bollard within 20 minutes. Did the brakes not work or us he just a really poor or nervous driver? Is this really "your friend"?

mb1725

Tesco should think about drive-in stores........... http://www.telegraph.co.uk/news/uknews/law-and-order/5357796/Rolls-Royce-driver-arrested-after-six-injured-in-Tesco-crash.html

CiniO

Anan1 wrote: »

A new policy will start at whatever time the policyholder wants it to, renewals tend to run from midnight.

Littel OT, but that got me thinking.
I just looked at my renewal papers, and it seems that my old policy was valid until 23:59 on Monday, and new policy is valid from 00:01 on Tuesday.

Now - what if I had an accident at 00:00? Would I not be covered?
Does that mean that if you are in the middle of journey at the renewal time, the best you can do is to stop for 2 minutes at midnight?