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Van Insurance

Discussion in 'General Discussion' started by Bodd, 28 Feb 2021.

  1. A couple of years back I got a phone call from someone saying I hit his car with my van that he caught on camera.

    All be it after seeing the footage it looked that he had a point but it was not clear.

    I offered to pay him direct but he wanted to much.
    So we went through the Insurance. I heard nothing on what the decision was. In the mean time my Insurance come up to be renewed. I chose to go elsewhere because I got a cheaper price.


    I disclosed this knock as a claim with my new company and again the year after. But I never heard from the original Insurance company and they never ask me for the £250 excess.

    Could this be that they did not pay out and I don't have a claim against me?

    How could I find out?
     
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  3. jj4091

    jj4091

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    Ask them!
     
  4. My current Insurer or the one I was insured with?
     
  5. HERTS P&D

    HERTS P&D

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    Either of them, it will all be on record.

    Andy
     

  6. Don't want to ask old company. They may ask for their £250...
     
  7. Wouldn't you be immediately told by your insurance company if a claim was being made against you?
     
    Last edited by a moderator: 6 Mar 2021
  8. HERTS P&D

    HERTS P&D

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    After the year is up, they cannot ask for back payment. Anyway, just ask the new company. The last thing you want is to have new insurance, have an accident and then find you are not covered.

    Andy
     
  9. Ive always declared the claim
     
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  11. Mottie

    Mottie

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    You only pay the excess on your vehicle, not the one you hit.
     
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  12. Dangee

    Dangee

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    They (insurance companies) all share records now anyway. Don’t worry.
    Last year when taking out cover from a new company I forgot to mention a speeding conviction 4 years earlier. They notified me a couple of days later & adjusted the cost.
     
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  13. kingandy2nd

    kingandy2nd

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    This is exactly right.
     
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  14. I got a little van for my mate last year. Cost me £1000.00
    He insured it and put it in his name.

    I gave him a newer van this year and he went to sell the old van. I don't know how but he discovered thst it is a Cat C..... He never declared this as he didn't know
    His insurance company still insured him but never mentioned the Cat C
     
  15. Dangee

    Dangee

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    What’s cat c?
     
  16. It's my 3rd Favourite Cat
     
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  17. Not really I only have one cat, and he's my Favourite.

    Cat C actually stands for Category C. It is used to denote a specific case of car insurance write-off after a vehicle has been damaged. ... Vehicles written off after an accident, a flood, or fire damage are often classified as Cat C.
     
    Last edited by a moderator: 28 Feb 2021
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