Car insurance... can I still claim 6 days on?

G

GarfieldG

Guest
hi,

Last week I scraped a neighbours parked car. I thought mental busy at the time and just asked for them to get a quote and send it on.

Last night I finally say quote which is far larger than i'd anticipated... so I'd now like to claim on my insurance (Quinn). Reading policy fine print all claims must be reported next business day.... does this matter in practice? Anyone have any experience of this?

Cheers,

GG
 
ignrore the fine print. By law you have three years to report any incident/accident to your insurers. If they give you any grief just remind them of this!
 
I was in a simialr situation a few months back. My wife was involved in a scraping incident with an elderly neighbours car. Even though the neighbour was really responsible when the old lady got very flustered my wife told her not to worry she'd sort it out. There wasn't much damage to either car (probably more to my wife's) but about a week later the old woman appeared with a quote for €2K. I wanted to tell her to take a hike but my wife said for neighbourliness and because she'd promise to look after it we should cough up. So I put it through the insurance (first reported it over a week after the event). They paid up no problem after a few weeks - though the feeble old lady became the b***h from hell as she rang us every day demanding her money (even though she knew it was with the insurers who she was also ringing). Its now over 6 mths later and she never got her car repaired - just took the money from the insurers.
 
I do not think SUSE is correct.

You have TWO years to mount an injury claim, not to report it to your insurers. If you did not report for 2 years, then whilst the MOTOR insurer would have to deal with the claim under the terms of the Road Traffic Acts, it would have a policy condition where it could probably seek recovery from policyholder.

If you waited 3 years to report a non motor claim, then the insurer would simply refuse to indemnify.

All claims must be reported as quickly as possible and in acordance with the policy terms.
 
If you provide a reasonable explanation as to why you did not report it then they should not argue - who are you insured with?
 
Hi GarfieldG,

I work for Quinn settling claims - give them a ring, shouldn't be a problem. Tell them that you intended to settle privately and then the estimate came in:eek:

The main reason that they ask for notification asap is to negate/diminish PI claims, also to better look after your interests in disputed liability claims - to get the information whilst it's still fresh in everyones mind.

Try not to worry - it's still possible that after your insurer has negotiated with the garage over the price, that you may settle privately - thereby ensuring that there is no negative impact on your policy at renewal.
 
Last edited:
Ravima said:
I do not think SUSE is correct.

You have TWO years to mount an injury claim, not to report it to your insurers. If you did not report for 2 years, then whilst the MOTOR insurer would have to deal with the claim under the terms of the Road Traffic Acts, it would have a policy condition where it could probably seek recovery from policyholder.

If you waited 3 years to report a non motor claim, then the insurer would simply refuse to indemnify.

All claims must be reported as quickly as possible and in acordance with the policy terms.
Click to expand...

Can you clarify this? If someone claims , for instance , a delayed symptom like back-ache or such, as a result of a crash 3 years previously, have they a case ? Will the insurance company investigate the matter or is it too late ?
 
Hi guys,

Within the UK the time limit for personal injury / uninsure loss recovery claims (but not medical negligence cases) is 3 years from the date of the incident / accident OR 3 years from the date the claimant becomes 18 years of age (if they are under 18 at the time).

Maybe the laws over in Ireland are different?
 
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