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Insurance claim history question

  • 13-04-2012 2:22pm
    #1
    scholar007
    Closed Accounts Posts: 902 ✭✭✭


    A mate of mine wanted to hire out a truck to move some stuff into storage (emigrating). Along he went and filled out the form - full Irish car and truck licence - no points or claims except for a minor tip (no damage) but the lady he hit claimed for whiplash. This was 15 years ago - Clean driving record since and insurance in his own name on his own car - the hire company came back and said that they couldnt get cover for him and wouldnt give a reason. He wouldn't be the most assertive lad in the world so he hired a man and van from the small ads to do the job instead.

    Anybody know whats the story here? Could a claim from so long ago still have an influence? Seems a bit daft!


Comments

  • #2
    nuac
    Registered Users, Registered Users 2 Posts: 6,769 ✭✭✭nuac


    Yes - you have to make full disclosure to your insurer


  • #3
    scholar007
    Closed Accounts Posts: 902 ✭✭✭scholar007


    Yeah, he disclosed the claim when he was filling out the form but my question is, how long has to elapse before past insurance claims are deemed spent?


  • #4
    Procrastastudy
    Closed Accounts Posts: 6,224 ✭✭✭Procrastastudy


    scholar007 wrote: »
    A mate of mine wanted to hire out a truck to move some stuff into storage (emigrating). Along he went and filled out the form - full Irish car and truck licence - no points or claims except for a minor tip (no damage) but the lady he hit claimed for whiplash. This was 15 years ago - Clean driving record since and insurance in his own name on his own car - the hire company came back and said that they couldnt get cover for him and wouldnt give a reason. He wouldn't be the most assertive lad in the world so he hired a man and van from the small ads to do the job instead.

    Anybody know whats the story here? Could a claim from so long ago still have an influence? Seems a bit daft!

    The hire company probably (and rightly so) didn't get a reason from the insurer. The same thing happens when you get declined for finance - it's none of Dixon's business that you defaulted on your credit card payments a few years back.

    Doesn't matter how "assertive" you get with the actual agent in the hire place. He need to make a proper request for his record and reason for denial.


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