Insurance claims effect on premium

jordanfaf

I'm 17, fully licensed and a name driver on my "mum's car" I was driving home one night during a storm on dunlaoghri coast road and turned a bend, the back wheel of my car slid over a manhole cover and into a wall, safe to say I wrote the car off. Thankfully I didn't have a bruise on me and nobody was around as it was 2 A.M. Guards arrived did the breath tests and put the accident Down to road conditions and moved on. My parents decided to take the loss and not go through insurance as I wouldn't get insured again.

Unfortunately the owner of the wall I hit put in a claim to get the wall repaired.it's minor damage to the wall. I can't see it costing over 1000 to fix. The in surname company called my mum asked her a few questions and said not to worry that the no claims wouldn't be effected cos it's such a small claim. I'm so worried now that I'm gonna have my name loaded and won't get insured. Driving isn't just a way of getting from a to b for me it's basically my only hobbie. Will i get insured at a reasonable price again. I was paying 1200 on my own policy on a 2008 1.4 turbo fiat bravo (The car I worte off) It's so cheap because I have the aviva lessons discount and I'm looking to get a 1.6 diesel c30 volvo. Any insight into it. Anyone had experience in this situation or work for an insurance company? Thanks

Alan_007_

If the no claims isn't affected I'd say that you might be alright. I had a crash last January under my mams policy (with aviva too) and they didn't seem to load me for it on renewal (again under her policy), just charged double for the loss of the no claims bonus.

Billy86

Worked in insurance before, you it all depends on what type of bonus protection your mother had. If she has a full 5+ years no claim bonus and had full protection, it won't have much effect. The main thing it will impact is when you call chill.ie/the aa/etc, some of the companies they quote for do not offer quotes for anyone with a claim in the last years or so (they'll quote you direct, it's just because they offer "off the shelf" policies with "off the shelf acceptance criteria).

If she has "step back protection" , then her no claims bonus will reduce to 2 or 3 years, increasing the cost of her insurance policies on all vehicles insured in her name by quite a bit. If the policy on this car and any other cars she has insured in her name are with two different companies, she WILL probably be able to get away with not disclosing it to the others, but it's the type of thing that can make getting insured a nightmare for the rest of your life if you get caught out on it. Lying to an insurance company is the type of thing they hold against you (long term) more than vehicular manslaughter while under the influence. Plus if you disclose this to the other companies, there is a good chance they allow her keep her full bonus on the other vehicle(s) as the claim did not come off their books.

If she has no bonus protection, then her no claims bonus on all her policies is entirely gone. Of course it is the bonus protection on the vehicle you had the accident in that matters.

If your parents are together and the auld fella has a clean driving history and full licence, make sure he is on the policies also. If both have clean driving histories and full licences, a spouse is the one person who reduces the cost of the insurance policy.

Billy86

Bad news is that until the claim is settled, you are close to uninsurable on any vehicle. Sounds like it should be a pretty quick, open and shut type thing though so I wouldn't really worry there.

Your current insurance company should be able to keep you under cover on a new vehicle if you buy it, but best to get a quote off them before buying. I've quoted people an increase of 300 Euro for going from a 2.4l BMW down to a 1.6 Golf, but also been able to tell people they are due a partial refund even though they are moving to a larger vehicle. The algorithm that goes into creating your quote is very complex to the point it doesn't always make sense. And you might not get insured given your age if it is deemed too powerful a vehicle.






Finally, as for being named on the mothers policy that is kind of technically insurance fraud, which again you can be screwed on for getting cover in future if caught. Buy the insurance industry is crooked as f*** so they don't exactly have my sympathy, but this is very import:

From being in that policy, you can gain 'named driving experience' which reduces the cost of the insurance. I am a bit sketchy on this from memory, but if you have any claim at all (like now) it reverts back to zero. Going forward though, make sure you are NEVER taken off that policy even for a single say, and that you don't allow the policy to lapse EVEN BY A SINGLE DAY (eg. renewal date is September 1st buy you don't renew until September 2nd or 3rd due to holidays etc). Every full year named driving experience you have without claims will essentially count as a years no claims bonus. If you are on that policy for five full years from when that claim is settled you can take out a policy on a full NCB for example. But, the insurance industry being a glorified swindle job, will entirely eliminate that if you are off the policy or if the policy is inactive for just one day.

Basically when you go to get your own insurance they will ask if you have named driving experience and the specific dates. They will then need a letter from each company the policy was with in that time stating "we, AXA/Zurich/Allianz/etc can confirm that jordanfaf was a named driver on policy abc123 from 01/01/2014 to 31/12/2014 without any accidents or claims occurring in their name during that time." One single day missing and they will not account for ANYTHING from any company that you have prior to THAT, it's referred to as a gap in cover.

So keep track of what companies you are with in the meantime and the dates (just save it on a word document or something), make sure you get no gaps in cover at all during that time, and from whenever you move off your mother's policy you must use this NDE within 3 months or it is again deemed worthless. After one full year on your own, however many years you have of NDE plus that one year insured on your own will be converted to a no claims bonus (so 3 years NDE, then one year on your own, means you get 4 years NCB when up for renewal).

Just something to be aware of, because if you're into fast cars at your age and manage to build up some NDE before going back out on your own it will probably save you a few grand down the line, as opposed to having to build all that up from scratch because of a tiny gap in cover (which happens all the time, and is awful to have to tell people because it's completely unjustifiable for a 2 or 3 day gap, imo).

wonski

jordanfaf wrote: »

I'm 17, fully licensed and a name driver on my "mum's car" I was driving home one night during a storm on dunlaoghri coast road and turned a bend, the back wheel of my car slid over a manhole cover and into a wall, safe to say I wrote the car off. Thankfully I didn't have a bruise on me and nobody was around as it was 2 A.M. Guards arrived did the breath tests and put the accident Down to road conditions and moved on. My parents decided to take the loss and not go through insurance as I wouldn't get insured again.

Unfortunately the owner of the wall I hit put in a claim to get the wall repaired.it's minor damage to the wall. I can't see it costing over 1000 to fix. The in surname company called my mum asked her a few questions and said not to worry that the no claims wouldn't be effected cos it's such a small claim. I'm so worried now that I'm gonna have my name loaded and won't get insured. Driving isn't just a way of getting from a to b for me it's basically my only hobbie. Will i get insured at a reasonable price again. I was paying 1200 on my own policy on a 2008 1.4 turbo fiat bravo (The car I worte off) It's so cheap because I have the aviva lessons discount and I'm looking to get a 1.6 diesel c30 volvo. Any insight into it. Anyone had experience in this situation or work for an insurance company? Thanks

So were you a named driver or did you have a policy in your name?
This makes a huge difference.

Esel

Named driver on "mum's car", but you were paying €1200... back wheel slid over a manhole... into a wall... Driving is... my only hobby.

You are only seventeen years old; you may have passed your test; but unless a load more cars driven by more experienced drivers also spun off on the same bend in similar conditions and crashed as you did, then it wasn't the storm or the manhole. It was down to your driving. Please realise this, and learn from it.

Maybe you have driven around that bend in the dry at the same speed loads of times, but when the road surface (and therefore the manhole, which has much less grip to begin with) was very wet, you need to adjust your driving technique.

If I was your financier/enabler (i.e. parent who is paying your bills (sorry if you are actually an app millionaire already...)) I would pay for the wall to be repaired rather than have it paid by the insurance company. This might not have much effect on 'your' future insurance premiums though... Also, I would make sure you drove a 1999 Micra (or something similar of the same vintage) for the next year or three, and cut your allowance to recoup the cost of the Fiat turbo you wrecked and the cost of the wall repair. You had better hope that wall was not an old-style granite wall, because if it was, you would be driving that '99 Micra for four years at least.

Some wisdom I was given (via a fatal accident investigator) at the age of sixteen when I bought my first motorcycle was this: in the vast majority of motorcycle accidents at that time (whether another vehicle was involved or not) in which the rider died, the motorcycle had less than 10,000 miles on the odometer. The simple conclusion was this: if you can ride (drive) 10,000 miles without dying, you are probably an OK driver.

TL/DR Don't worry about whether or not you can get the Volvo you want, or whether or not 'your' insurance premium will go up. Just be glad that have you not killed or maimed anyone yet while indulging your 'hobby'. Concentrate on getting to 2x, 3x, 4x your present age. Also, read up on Jackie Stewart's definition of a good driver.

oldyouth

Firstly, you have an accident against your name and it must be disclosed to any future insurer, either in your own name or if you continue to get your mother to front a policy for you.
Secondly, your mother has a claim against her record and must be disclosed to any future insurer, regardless of whether it had any affect on her No Claim Bonus

What prospective insurers do with this information will vary from doing nothing to declinature.

Henry Ford III

When was the last storm in Dun Laoghaire OP?

Old 29-07-2014, 19:17 #1
jordanfaf
Registered User

Join Date: Jul 2013
Posts: 30
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custom exhaust
I'm looking to get a custom exhaust for my 2008 fiat bravo to add a bit of noise and some good looks with 4 tips. I'm just wondering if I'd be best spending the 500 euro for a back box and tips off a company such as raggazon or something. Or would I be best go for a local fabricator such as souhans.ie. I've already requested a quote from them but haven't received any info back. Anyone got experience with the to give a rough price range for just a back box and tips?

djimi

jordanfaf wrote: »

I'm looking to get a 1.6 diesel c30 volvo.

At 17 with a recent claim against your name I feel you are going to have to be somewhat more realistic Im afraid. The claim may or may not affect your NCB, but it will affect your policy, be it with Aviva or should you decide to try and change insurers, and a recent claim is going to make it difficult to get a quote from someone else.

Kopparberg Strawberry and Lime

All your named driving experience is gone now due to the accident.

So your starting from zero again !

Moneymaker

Location: Onelitreville
Population: You

Insurance companies won't touch you with a bargepole.

jimgoose

Moneymaker wrote: »

Location: Onelitreville
Population: You

Insurance companies won't touch you with a bargepole.

May I recommend a 1996 998cc Micra with automatic transmission? You'll laugh. You'll cry. You'll wonder why you don't just use a Space-Hopper!

EazyD

Unless you have substantially deeper pockets than most folks around here, it'll be a nightmare trying to secure a similar policy.

Your only 17, so can't have your license more than what, 4-8 months. By insurance standards, your the highest risk possible for them and the price will reflect that. You can at least be glad it was a wall and not another car, pedestrian, cyclist.

ironclaw

So your parents decided to not going through the insurance (Fair enough) but you didn't bother to call up the wall's owner and settle the repair bill? I don't understand. Unless they were a total recluse and refused to do it cash in hand, this story doesn't make sense.

I also assume you are referring to the Vico Road?

MuppetCheck

This the car?

http://cars.donedeal.ie/carparts-for-sale/2008-fiat-bravo-breaking/7460438

Michael D Not Higgins

MuppetCheck wrote: »

This the car?

http://cars.donedeal.ie/carparts-for-sale/2008-fiat-bravo-breaking/7460438

Nice bit of sleuthing. Fierce mangled, so it is.

Mycroft H

No insurance company is going to insure you named or otherwise on a diesel Volvo. You'll only get massive quotes.

Your 17 with zero no claims bonus and a history of accidents. Alarm bells for insurers.


Best use the bicycle for a while....

djimi

MuppetCheck wrote: »

This the car?

http://cars.donedeal.ie/carparts-for-sale/2008-fiat-bravo-breaking/7460438

Dont think so. The OP posted a pic of it here: http://www.boards.ie/vbulletin/showpost.php?p=85966173&postcount=74

jordanfaf

ironclaw wrote: »

So your parents decided to not going through the insurance (Fair enough) but you didn't bother to call up the wall's owner and settle the repair bill? I don't understand. Unless they were a total recluse and refused to do it cash in hand, this story doesn't make sense.

I also assume you are referring to the Vico Road?

No not vico. Not too not sure the name but no vice. The owner said he contact my father if the wall needed repairing. But instead called insurance company straight. No point in doing cash in hand now that the insurance company knows I've crashed.

jordanfaf

MuppetCheck wrote: »

This the car?

Yea that's it. I posted the wrong pic in that old post. More pics of it on my instagram if anyone is interested name is jordanfaf

jordanfaf

Esel wrote: »

Named driver on "mum's car", but you were paying €1200... back wheel slid over a manhole... into a wall... Driving is... my only hobby.

You are only seventeen years old; you may have passed your test; but unless a load more cars driven by more experienced drivers also spun off on the same bend in similar conditions and crashed as you did, then it wasn't the storm or the manhole. It was down to your driving. Please realise this, and learn from it.

Maybe you have driven around that bend in the dry at the same speed loads of times, but when the road surface (and therefore the manhole, which has much less grip to begin with) was very wet, you need to adjust your driving technique.

If I was your financier/enabler (i.e. parent who is paying your bills (sorry if you are actually an app millionaire already...)) I would pay for the wall to be repaired rather than have it paid by the insurance company. This might not have much effect on 'your' future insurance premiums though... Also, I would make sure you drove a 1999 Micra (or something similar of the same vintage) for the next year or three, and cut your allowance to recoup the cost of the Fiat turbo you wrecked and the cost of the wall repair. You had better hope that wall was not an old-style granite wall, because if it was, you would be driving that '99 Micra for four years at least.

Some wisdom I was given (via a fatal accident investigator) at the age of sixteen when I bought my first motorcycle was this: in the vast majority of motorcycle accidents at that time (whether another vehicle was involved or not) in which the rider died, the motorcycle had less than 10,000 miles on the odometer. The simple conclusion was this: if you can ride (drive) 10,000 miles without dying, you are probably an OK driver.

TL/DR Don't worry about whether or not you can get the Volvo you want, or whether or not 'your' insurance premium will go up. Just be glad that have you not killed or maimed anyone yet while indulging your 'hobby'. Concentrate on getting to 2x, 3x, 4x your present age. Also, read up on Jackie Stewart's definition of a good driver.

Thanks for the reply. I have no doubt in my mind it was my own fault for crashing however the first words out of the guards mouth when I sat in her car was "your the 4th person in 3 months to crash there". It's an accident black spot according to aviva. I've learned my lesson now.

Im currently insured in my sisters 1.6 mini one, at a reasonable price. So maby they arnt loading me? For those saying get a Micra my parents won't allow me to drive anything older than an 06 (not sure why) and since I drive so much I want a diesel. So maby a 1.3 diesel astra if the volvo dosnt work out. Thanks all for responses and help. I'll update the thread if I have trouble getting insured for anyone in similar situations

oldyouth

jordanfaf wrote: »

Im currently insured in my sisters 1.6 mini one, at a reasonable price. So maby they arnt loading me?

How can they load you if you haven't told them about your accident? For your sister's sake, I'd attend to that asap

djimi

jordanfaf wrote: »

No not vico. Not too not sure the name but no vice. The owner said he contact my father if the wall needed repairing. But instead called insurance company straight. No point in doing cash in hand now that the insurance company knows I've crashed.

Insurance company wont do anything, regardless of what they may or may not know, until a claim has been formally made and paid out. You also have the option of repaying them the money that they paid out at any point before renewal and it shouldnt affect your premium.