Car insurance PITO (pain in the hole)

ResidentHill · 05-05-2014 05:42PM #1

I'm trying to insure a car and 99% of insurance companies only insure if I haven't had a claim in the last 5 years. Well, I have. May 20th 2009 (almost exactly 5 years ago).

I fit all the other assumptions so can I just go ahead and ignore this as it's so close?

colm_mcm · 05-05-2014 05:50PM

I'd be waiting tbh.

ResidentHill · 05-05-2014 06:01PM

May 2009 to May 2014 is 5 years right? So my logic would be... it's been 5 years since the accident. Therefore I'm grand....

In the event of an accident in ... October 2015 for example, would this fact void a claim?

bazz26 · 05-05-2014 06:06PM

Failure to disclose this information at your pearl.

You are obliged to be truthful and give full disclosure when taking out a policy as the level of risk is based on the information you provide them. However if or when it comes to light that you mislead them, they will first null/void your policy and then in the event of a claim made against you they will look to recover their loss from you possibly through the courts.

Just wait another 3 weeks or so. BTW May 20th 2009 to May 5th 2014 is not 5 years in an insurance company's mind, that is what matters.

Guy:Incognito · 05-05-2014 06:07PM

ResidentHill wrote: »

In the event of an accident in ... October 2015 for example, would this fact void a claim?

Yes.The price of the quote is given on the information provided now, not at a future date when an accident occurred.

MuppetCheck · 05-05-2014 06:09PM

Get the bus for a few weeks, b&b it, get a lift...whatever works for you. Then get your insurance. 5 years haven't passed, wait until they do and then happy days. If you've waited this long then a few weeks won't hurt?

ResidentHill · 05-05-2014 06:37PM

Ok ok I'll wait ..

Just another question though. When I had the accident in 2009 I had been driving for almost 2 years. So does that mean I still have 1 year No Claims Bonus? As I had driven for a full year without claiming. Thanks.

colm_mcm · 05-05-2014 06:38PM

No. It resets once you claim.

rovoagho · 05-05-2014 06:39PM

NCB expires after two years anyway. You need to wait, otherwise you'll be screwed if you need to claim.

EDIT: Colm, that depends on the policy.

Guy:Incognito · 05-05-2014 06:39PM

ResidentHill wrote: »

Ok ok I'll wait ..

Just another question though. When I had the accident in 2009 I had been driving for almost 2 years. So does that mean I still have 1 year No Claims Bonus? As I had driven for a full year without claiming. Thanks.

Unless you had no claims bonus protection then once you claimed your on 0. That's irrelevant anyway because it would have lapsed a couple of years ago anyway. You have no no claims bonus.

CoDy1 · 05-05-2014 09:03PM

ResidentHill wrote: »

I'm trying to insure a car and 99% of insurance companies only insure if I haven't had a claim in the last 5 years.

You are ringing the wrong companies! Try a broker. Have you had a policy in the past 5 years since the claim? that may be the issue.

ResidentHill · 05-05-2014 11:30PM

CoDy1 wrote: »

You are ringing the wrong companies! Try a broker. Have you had a policy in the past 5 years since the claim? that may be the issue.

No I haven't had a policy since 2009 as I left the country to go traveling soon after the accident. (this was planned before the accident I swear!) So a broker would sort me out?

dgt · 05-05-2014 11:47PM

I'd wait if I were you. 15 days, not worth the aggro

Also, Hole is spelled with a H not an O :pac:

Car insurance PITO (pain in the hole)

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