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#1 Focus_DSL

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Posted 09 April 2011 - 10:18 AM

Hi guys.

Last night, some idiots decided to plough a stolen car into mine and i`m just wondering what will happen insurance wise.

As you might see from the pictures, its abit of a mess. The engine runs but the car wont drive, probably drive shaft or gearbox.

The courtesy car company that my insurer refered me to has said they wont offer me a car as its damaged from the result of a third party theft, so they cant recover the costs (whats the point of paying insurance again??) and refered me BACK to my insurer, who is closed for the weekend (apparently accidents dont happen at the weekend!).

I`ve never had to do all this kind of thing before and just wondered what happens, am i going to pay through the roof for something and will it be sorted quickly, as i`m screwed without transport.

Any help and advice from people who have been in similar situations would be massively appreciated.


Cheers

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#2 catch

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Posted 09 April 2011 - 02:18 PM

Well I'll start by saying, sorry for your bad luck, you must be gutted.

Other than that, I cannot offer any advice as you state you only want it from a narrow band of people ie: people who's car has been hit by a stolen car.....good luck on finding plenty of those on the boards. You don't state what insurance cover you hold on the vehicle, nor who the insurer is.

My insurer is Churchill, I'm fully comprehensive, no claims protected, personal death or injury even if at fault, and I pay extra for a "guaranteed" hire car. Getting cheap cover comes second to getting cover that is fit for purpose. That said I have the above with the wife as named driver for £240. I had the two previous years at £205 per annum, but insurance premiums have taken a hike this year.

Guaranteed hire car

#3 johnH

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Posted 09 April 2011 - 03:53 PM

sorry to hear what happened atleast, by the sounds of it, no-one was in your vehicle at the time.

To me it looks like a definate write off.

anyways as for the coutesy car...that would be down to the insurance company that holds it's policy over the vehicle that hit yours, stolen or not. you could just get a courtesy car from ANY company, pay them and keep receipts and claim the costs back with a little more from the other partys insurance....its their job...third part or fully comp.

you will have more "power" if you have fully comp as you could go to either company to claim costs...but try and stay away from claiming of your own insurance, but let them know...that will keep your NCB.

you will have even more "power" if you have legal protection, get them involved...even if its just telling them...they will do all the work and recover the costs for yourself.

this info is from personal experiance of dealing with the insurance company when i wrote my vehicle off. one of my mates had a similar experiance to yourself, as where his car was damaged and was claiming from the other party's insurance

hope this helps somehow.

#4 Focus_DSL

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Posted 09 April 2011 - 10:37 PM

Many thanks for your replies.

I am fully comp and its with Santander on behalf of equity red star.

Looking at my policy, it seems i do have legal cover, so i might go the route of letting them deal with it, as my head is already minced!

I would like to keep my NCB too, as it stands at 5 years. And seeing as insurance is rediculously high this year, i dont fancy paying full whack without it.

Thanks again chaps

EDIT: Sorry for the dumb question, but with legal cover, who do i get in touch with? Should there be a legal claims dept phone number somewhere, do i need to phone Citizens advice or something else?

#5 johnH

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Posted 10 April 2011 - 10:01 AM

now i can help you as i am with Equity Red Star through a military channel. in your paperwork...you should have a legal claims certificate with your customer id and a legal dept number....they are very fast and diligant. they will record your statement over the phone and tell you where you stand etc. do what you can and fight to keep those that NCB.

#6 catch

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Posted 10 April 2011 - 12:08 PM

Looking at my policy, it seems i do have legal cover, so i might go the route of letting them deal with it, as my head is already minced!


Bit of a heads up here for you and others who may be interested next time you come to renew your policies. You stump up for legal cover, but they only act for you if it's a "Non Fault" accident. Fact is if it's your fault, you just leave it to your insurance company to argue the other sides claims. Another fact, these legal firms charge the "At Fault" insurers a percentage of your claims, the bigger your claim the bigger their fee. These percentage fee's are agreed within the insurance industry, and it does not come out of your awarded damages.

Now think about it, these firms must be queueing up to sign a contract with an insurance company to handle their "Non Fault" claims. In fact I would hazard a guess they agree to pay the insurer a percentage of the fees they earn from the other side, just to get the work.

So when you come to think about it, it's a bit rich insurance companies have the nerve to charge the likes of you and me upwards of £25 for such a policy. When in fact all they are doing is trousering your hard earned cash.

Now for those who are still with me on this, and have not sidled off to watch a bit of !Removed!. :D Stick with it and I'll tell you of a way to save yourself some dosh, yet end up with an even better insurance package.

Right "Free Break down cover" offered within a quote from an insurance company. Forget it, it's pants, it's one hour free roadside assistance, and if they cannot fix in within that hour they tow you to the nearest garage and it's Bye bye from them. Churchill offer it, but I tell them I don't want it.

I use a company for breakdown cover called Rescue myCar
I opted for the Comprehensive Cover So in the event of the car not being fixable at the road side I've got the following options [all paid for within the policy] If it cannot be fixed that day, you and you passengers can opt for a hire car, or overnight hotel accommodation, or long distance recovery back home or to where ever you were going to.

And on top of all that, in the event of a "Non Fault" [its those magic words again] traffic accident you get £25,000 free legal assistance, covering claims of damage to your car, injury or death, or uninsured losses such as travel expenses loss of earnings policy excesses. The £25k is the limit on legal assistance fees, not your claim compensation, that can run into hundreds of thousands, millions if you were a dead brain surgeon I guess.

You get all the above provided you let Rescue myCar appoint your lawyers. You see Rescue myCar want a bit of the action, so they give you that cover free....simples.

What do I pay for all that cover? £28.75 and it's been that for the last three years, no 20/40% hikes like the insurance companies have doled out to us this year. Get you friends to sign up, and they will give you £5 off your premium for every friend that goes with them.


I would like to keep my NCB too, as it stands at 5 years. And seeing as insurance is rediculously high this year, i dont fancy paying full whack without it.

Thanks again chaps


With my NC cover, and I suspect with yours as well [but check the small print on your insurance policy] you are allowed so many claims within a certain period without it affecting your No Claims percentage discount.

Hope the above has alleviated some of your concerns

#7 jeebowhite

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Posted 10 April 2011 - 07:45 PM

DSL - Sorry to hear about it, It does look bad enough to be a write off im afraid, But I hope that you can get the car repaired quickly and can get back into your pride and joy soon!

In the meantime, as long as you advise the insurance companies and leave it to them, then that is the best you can do. Unfortunately you have very little ability to do anything yourself. It is down to your insurer to recover the costs, however they may insist they pay until such a time as the costs can be recovered. unfortunately (unless you have protected NCB's) you will suffer (hopefully temporary) loss of NCB and a potential hike in premium. *damn experience*...

You can contact the owner via the police for there insurance policy details. The insurance company may offer some cover, but they may walk away from it!

Keep us updated and I hope that you get it sorted soon!

The courtesy car company that my insurer refered me to has said they wont offer me a car as its damaged from the result of a third party theft, so they cant recover the costs (whats the point of paying insurance again??) and refered me BACK to my insurer, who is closed for the weekend (apparently accidents dont happen at the weekend!).


Accidents dont happen at weekends... The amount of times I have said that to my insurance company after I had my accident last year...

#8 Focus_DSL

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Posted 10 April 2011 - 08:12 PM

now i can help you as i am with Equity Red Star through a military channel. in your paperwork...you should have a legal claims certificate with your customer id and a legal dept number....they are very fast and diligant. they will record your statement over the phone and tell you where you stand etc. do what you can and fight to keep those that NCB.



Cheers John. After reading this i went and rang the legal claims department but unfortuantely didnt get much further.

I get the feeling tomorrow is going to be a busy phone call day, but at least things should start moving as everywhere will be open.

Will keep you posted.

#9 jeebowhite

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Posted 11 April 2011 - 03:15 PM

Hi DSL - Take a look at this - specifically the second to last bullet point.

I hope that it will be of some comfort as it points out that the MIB may / will likely pay for an uninsured driver hit - albeit, it may cost your excess :( better that I suppose than the full bill...

#10 Focus_DSL

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Posted 11 April 2011 - 09:49 PM

Hi DSL - Take a look at this - specifically the second to last bullet point.

I hope that it will be of some comfort as it points out that the MIB may / will likely pay for an uninsured driver hit - albeit, it may cost your excess :( better that I suppose than the full bill...



Yeh, seems my excess is £400 altogether :blink: . Oh well , i guess they`ll just take it off the final amount awarded?

Anyway, The approved garage phoned today and arranged to pick up and assess the car on wednesday, along with dropping off a courtesy car. I have to say, that is a massive load off my shoulders.

This hasn`t been great timing for me as the missus has been in and out of hospital for the last 2 months and was in when all this happened. Its not easy ferrying 2 kids around without a car when you`ve been so used to one.

How did they cope in the olden days?? lol

#11 jeebowhite

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Posted 12 April 2011 - 08:12 AM

Hi DSL,

I can see the problem its causing you, at least they will be given you a courtest car, albeit you have to wait another day! I hope that they sort it out quickly for you.

As for the excess, all you need to do is on collection, pay them 400 by any means necessary and thats it! unfortunately you still have to pay them :P

Hope that the Mrs doesnt need to disappear again to the local hospital as im sure you could both do without the added stress!

#12 Focus_DSL

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Posted 12 April 2011 - 09:41 AM

Thanks for all your help, but i have one more question lol (theres always one)

My policy runs out on 1st May and the renewal came a few days before the incident and was nearly 300 dearer than last years, even though nothing had changed and with 5 years NCB.

If i cancelled my policy now and switched, would it affect my claim? Or are they obliged to handle my claim as normal?

If i cancelled would they continue as normal until 1st May and then give up? I`m at a loss here because i cant afford the new policy at all, specially with all this going on.

#13 johnH

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Posted 12 April 2011 - 10:23 AM

when i made a claim with equity red star, my excess was 400 also...they deducted this from their final value...so they offered 1500 for my 307, my finance company got 1100 (the gap paid up to 250 for excess, so i paid 150 and they paid the rest).

if you claim falls in the dates of the insurance period stated on your certificate, your policy is upto date on payments etc...they have to honour the claim.

#14 jeebowhite

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Posted 12 April 2011 - 10:37 AM

Thanks for all your help, but i have one more question lol (theres always one)

My policy runs out on 1st May and the renewal came a few days before the incident and was nearly £300 dearer than last years, even though nothing had changed and with 5 years NCB.

If i cancelled my policy now and switched, would it affect my claim? Or are they obliged to handle my claim as normal?

If i cancelled would they continue as normal until 1st May and then give up? I`m at a loss here because i cant afford the new policy at all, specially with all this going on.


There are risks with this. First of all, if you cancelled your policy you would lose the additional NCB you (would have) built up.

Secondly, you could switch but then no one would "have to" honour your claim. the insurance company you are with, unless they start the actual claim procedure, then they are no more liable for this than the next company you go to, so in fact you could make things worse. Plus if you ferry details about, you could be mistakenly accused of commiting fraud (due to the reasons that you are potentially jumping between insurance companies, and with or without the intention of trying to get someone else to pay for the damage!)

[p.s. you would be surprised what the insurance companies would class as fraud, when I had my accident last year, the fact that the car in front of me stopped before I went into the back of him, was enough for them to think it was fraudulent!]

If you cancel now, then you would still have to insure your car (Thank you wonderful clever government who think even cars declared SORN now require full insurance!) - unfortunately you seem to be in a lose lose situation right now :(

How is the damage to be repaired? has anyone advised that the stolen cars insurer will pay the damage, or has your insurer advised this? Unfortunately, until your current insurer resolves this for you, you have to keep paying them until they resolve it! meaning that you cant jump ship just yet. my insurance company were advising me that if they had not got the issue resolved by the time I was due renewal I would have to renew with them or another company WHATEVER the cost, and then ammend the policy after, of course they were trying to tell me that I must stay with them (mainly because they dont want to work on your behalf without you paying them for the privelage) so make sure that if they are going to handle the claim, and if you do need to exchange policies to a different company, make sure there are no hidden admininstration fee's once your policy expires!

Check with your current insurer, and also if you are thinking of changing policies, speak with your potential new insurer. They are unlikely to want to take you on knowing they may have to take on a claim. Unfortunately you may be stuck with your current insurer, and unfortunately as an innocent motorist hit by an uninsured idiot.

If you have protected NCB you may be ok, but unfortunately this is probably not going to go in your favour im afraid. I really hope I end up being wrong, and you dont lose out too much, and I'm sorry to seem like I am so negative about it, I have learned from experience, and unfortunately its not very good!

Sorry again :(

EDIT: Just read JohnH's response on the certificate dates, and they have to honour the claim, I hope that he is right and I am wrong in this!

#15 johnH

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Posted 12 April 2011 - 12:49 PM

yeah if you cancel your policy before the end and move to a different company than jee will be right.

but i am assuming you are coming to the "natural" end of your policy, in question. ive heard of people making claims against others for say 2 years ago, but now they are with a different insurer. the original insurer (at the time in debate) has to uphold the claim...not sure how true this is but like i say what i have been told

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