Insurance - am I covered?

bobseventyfour

Hi all..

So Ive been in a car accident. Not my fault and the other party is taking responsibility.
I was driving my sisters car, which im insured to drive as i have third party extension on my own policy, which allows me to drive any other motor car, so long as its not in my name and i have permission from the owner, which i had.
My own car, which i have a policy on, is currently parked up and had been at the time of the accident which is why i was using her car..now my question is...my own car thats parked up has no nct on it..will this affect my claim in anyway.?

Also, my insurance company and the other parties are the same - is this a good or a bad thing.?

Thanks for any help..Much appreciated..
Bob

endacl

Sure your insurance company would be the people to ask?

CiniO

Of course you are covered.

Lack of NCT on your own car is completely irrelevant as you weren't even driving it during the accident.

Also as it was other persons fault, it will be their policy paying for your damage, so your insurance is irrelevant.
Even if you were uninsured (didn't have policy at all), you'd still be entitled to compensation from that person's insurer as it's him/her who caused accident.

bobseventyfour

Okay, thanks very much for the speedy reply CiniO..

I was just a little worried.. Ive a fractured back and the thought of not being covered was bothering me a bit..