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I had a claim which I settled privately (E850)

  • 05-04-2018 9:19am
    #1
    Ahhhh for forks sake!
    Banned (with Prison Access) Posts: 143 ✭✭


    Do I have to declare this to future companies when getting a quote? I have a letter from Liberty saying that the claim was settled privately and that there is no effect on my policy. Do I still have to inform my next company at nrenewal time of this?


Comments

  • #2
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,644 ✭✭✭✭punisher5112


    You didn't claim so no.


  • #3
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    punisher5112 wrote: »
    You didn't claim so no.

    Disagree.

    Look at this parallel thread https://www.boards.ie/vbulletin/showthread.php?t=2057857432


  • #4
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,644 ✭✭✭✭punisher5112


    NUTLEY BOY wrote: »
    Disagree.

    Look at this parallel thread https://www.boards.ie/vbulletin/showthread.php?t=2057857432

    Well I've only ever been asked have I any outstanding claims in previous 5 years.

    One though from 8 years ago always is added on my no claims form I didn't claim off my own.


  • #5
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    Question is normally along the lines of "have you had any claims, accidents or convictions in the last 5 years".

    If that's the case it needs to be disclosed.


  • #6
    FranklinMint
    Closed Accounts Posts: 63 ✭✭FranklinMint


    Henry Ford III wrote: »
    Question is normally along the lines of "have you had any claims, accidents or convictions in the last 5 years".

    If that's the case it needs to be disclosed.

    How much does an accident with no claim involved affect the premium normally.

    You still have the no claims bonus but will they jack up the premium?


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  • #7
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    FranklinMint wrote: »
    How much does an accident with no claim involved affect the premium normally.

    You still have the no claims bonus but will they jack up the premium?

    Only an insurer could answer that. Might be no increase?


  • #8
    SCOOP 64
    Registered Users, Registered Users 2 Posts: 5,394 ✭✭✭SCOOP 64


    How would they know, if neither party contacted insurance company and it was settle in cash ?


  • #9
    Kenny Logins
    Registered Users, Registered Users 2 Posts: 9,060 ✭✭✭Kenny Logins


    I've just been through this. My "Statement of fact" says;
    In the last 5 years, you or any persons driving the car have not
    Been involved in any accidents or claims or have any pending claims irrespective of blame.

    So I notified them about an accident in another car, on another policy, and there was no increase on my renewal.


  • #10
    FranklinMint
    Closed Accounts Posts: 63 ✭✭FranklinMint


    Kenny Logins wrote: »
    I've just been through this. My "Statement of fact" says;



    So I notified them about an accident in another car, on another policy, and there was no increase on my renewal.

    Was there a claim opened or settled?


  • #11
    Kenny Logins
    Registered Users, Registered Users 2 Posts: 9,060 ✭✭✭Kenny Logins


    FranklinMint wrote: »
    Was there a claim opened or settled?

    Yes, both. I claimed against TP, but this didn't seem too important as it wasn't huge amount. IMHO it's better to let them know regardless because if you ever need to make a claim every detail is scrutinised, but in your case there is no paper trail so not much anyone can do. Up to you.


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  • #12
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    SCOOP 64 wrote: »
    How would they know, if neither party contacted insurance company and it was settle in cash ?

    There's an obligation to report accidents regardless of who was liable.

    Failure to do so could jeopardise the policy as it'd be non disclosure.


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