I’ve not once said I want to make an insurance claim without telling our insurers, how is that even possible?
Again - it's literally the start of your OP.
"If you claim from MIB will it affect your own insurance? We’ve had about £800 of damage to the car, but really don’t want our insurance involved."
What on earth do you want then?
The sole purpose of this post was to weigh up whether the cost of the repair LESS our excess is worth the risk of an increased premium vs self funding the repair ourselves…
Such an important sole purpose that you didn't mention it once until just now.
Wrong, wrong and still wrong
You're seemingly replying to an entirely different statement from the one you've partially quoted here. I was talking about you (not) needing his address. The only reason you would need his address is if - and again, you said this in your OP - you were planning to "be popping by his house with the bill."
The only way I can see that course of action having a positive outcome is if a driver who has fled the scene of an accident suddenly has an attack of conscience, and your good self is able to keep to a straight story. Both of which seem somewhat unlikely.
You have the vehicle details, therefore your insurers have a third party to claim against (and a legitimate cause to request keeper information from DVLA). Ergo, it shouldn't affect your NCD. Your premium may go up slightly next year, but that's what Compare the Market is for. If you're still dead set against using your insurers then you'll have to get your hand in your pocket I'm afraid.
And you’ll still have to tell them come renewal time because the repair may affect the insured value.
Such an important sole purpose that you didn’t mention it once until just now
My apologies for not being clear on a subject that I had no experience of, hence why I asked the question. If I knew how MIB worked then I wouldn't have asked the question...
I'll try and research the answer to a question before I ask a question next time, just so I can make my question pedantically obvious to all.
And you’ll still have to tell them come renewal time because the repair may affect the insured value.
That's affected by depreciation anyways, having a high quality repair done on the car won't affect it, in the same way if someone had their alloys scuffs cleaned up. It's a Mercedes E Class not a McLaren.
The only way I can see that course of action having a positive outcome is if a driver who has fled the scene of an accident suddenly has an attack of conscience, and your good self is able to keep to a straight story.
I now have found where he lives and I'm meeting him this afternoon. He clearly swapped his virtual sim over on Sunday from the phone I had as it stopped ringing, so I text him saying I'd found his phone and been texting with him arranging with him to meet him to retrieve his phone.
During this dialogue he's let slip his location and hey presto, I drove there last night and being sceptical me, I profiled exactly where I'd find an uninsured, un-taxed, non MOT'd car and found it parked outside his house, it took me literally 10 minutes to find it. Once DVLA send back keepers details it should confirm it.
Both of which seem somewhat unlikely
You just can't help but get personal on my posts? Does it give you some sort of boner to continually personally attack me? 2 year ago you where the great guy who formatted my PC for me, but now you just have continual digs, make me out to be some sort of charlatan who's stitching people up and dodgy. It's draining mate, I've never stitched anyone up in my life and ONLY YOU seem to turn my posts into an episode where I feel attacked for trying to do the right thing.
Well here's a dilemma that you can advise me on:
In the absence of any help from the Police, I've been a bit shrewd and text the guy as he knows I have his phone, he wants it back. He's agreed to meet me tonight to handover his phone (he doesn't know I have his keys). I' genuinely curious as to why he wants a £130 Argos phone back that's got a knackered screen, so I'm thinking it may have dodgy content.
My natural temptation is to tip off the Rozzers and tell them an uninsured driver will be meeting up with me, in a car that's had no tax or MOT for nearly a year.
As you've turned this into a scenario that I'm clearly an insurance fraudster who's trying to evade a claim and such a slippery customer, what would you do??
I think I should tip the Police off, get an uninsured driver off the road and then ask him to confirm his details and give him an opportunity to offer some sort of agreement to pay back the money?
I get the impression you're going to suggest I should apologise to him, give him some money for his fuel and tell him not to worry, I'm going to claim off our own policy for a £600 repair which means we'd lose £400 excess and 2 years NCD, meaning next year we'll be paying even more than we do now.
Please enlighten me, without shitty digs and judgement.
In the absence of any help from the Police, I’ve been a bit shrewd...
I pointed out yesterday that their policy IS to take report in your circumstances, “Road Traffic Collision (RTC) If drivers have exchanged insurance details and nobody is injured, no police action will be required, please call your insurance company to report the incident”
Report the incident to Lancs Police because you HAVEN'T been able to exchange insurance details. If they don't help you then complain on a public forum.
A report will also save you the dilemma of whether to "tip off the Rozzers" and you can genuinely say that you've been a bit shrewd
My apologies for not being clear on a subject that I had no experience of, hence why I asked the question.
You don't need experience of a subject to form a coherent question and not go "surprise, I meant something totally different all along!" halfway through the discussion.
Does it give you some sort of boner to continually personally attack me?
Continually? Dunno where you get that from. I'm not "personally" doing anything, I'm an equal opportunities grump. Rather here I'm trying to unpick your web of contradictory posts to work out what you're actually trying to achieve.
ONLY YOU seem to turn my posts into an episode where I feel attacked for trying to do the right thing.
I'm sorry you feel that way but from this thread alone it's demonstrably untrue.
Well here’s a dilemma that you can advise me on:
This will have to be a follow-up post, I have a work meeting. Hold the line please, caller.
without shitty digs and judgement.
Actually, I'll give you that. I was out of order, sorry.
Any news on the 'meet up' ? I guess he doesn't know you are the owner of the car that got damaged. This could be interesting !
Life’s too short for this thread to continue, it’s clear he can either get a local repair and declare/not declare, or put in an actual claim with his insurers.
This could be interesting
Especially so if it gets pranged in the car park.
Though for the sake of Mick's blood pressure I hope not.
He’s agreed to meet me tonight to handover his phone (he doesn’t know I have his keys). I’ genuinely curious as to why he wants a £130 Argos phone back that’s got a knackered screen, so I’m thinking it may have dodgy content.
I guess he doesn’t know you are the owner of the car that got damaged.
And for the sake of Mick I hope it doesn't turn out that's wrong and that he is a proper scumbag with similar disregard for Mick's health to his car.
I for one wouldn't be going.
Any news on the ‘meet up’ ? I guess he doesn’t know you are the owner of the car that got damaged. This could be interesting !
He bailed on me last night, so after finding his car and address, I whatsapped him a photo of his car. He's coughed up, sent me a text asking to come over after work to discuss and make an arrangement.
He's due in half hour...
Sounds interesting....
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asking to come over after work to discuss and make an arrangement.
He’s due in half hour…
Well you're a braver man than me. I'd fully expect "him" to turn out to be seven people of the sort you'd expect to offer to tarmac your drive or sell you something wrapped up into rectangular blocks with clingfilm and tape, squashed into the back of his uninsured car who then suggest I crashed into him.
Or sausages in my lawn if I really annoyed them.
Well you’re a braver man than me. I’d fully expect “him” to turn out to be seven people of the sort you’d expect to offer to tarmac your drive or sell you something wrapped up into rectangular blocks with clingfilm and tape, squashed into the back of his uninsured car who then suggest I crashed into him.
He knows I have the keys to his house and car.
He knows I have the keys to his house and car.
I'm in no way sure that makes it better.
He’s due in half hour…
Can you live stream? This could go viral...
Can you live stream? This could go viral…
A la Tommy Robinson style 😂😂
He's been, had the brass neck to turn up in his car that's still not insured. He's admitted in a text his 'real name' so makes me curious as to whether he's come instead of the culprit. He also started to inspect the front of the car, when I pointed out he hit the back he looked confused.
I'm now dubious as to whether he's the actual driver.
Pointed out to him the bumper is £870 + respray, labour etc and we're happy to have it repaired by a panel beater we know who is excellent, for the £500 he's quoted.
He seemed really appreciative and agreed it was a fair cost now he's seen the damage under the cold light of day (his words).
He asked me if he can have til the end of the weekend to pay up, which we have and has said I'm fine to keep his phone/house/car keys until it's paid.
All of our discussions were discussed directly under a CCTV camera and his car is in view too.
Still dismayed at he's more than happy to drive about in an uninsured car with the full confidence he'll probably not get nabbed of the Police.
Still dismayed at he’s more than happy to drive about in an uninsured car with the full confidence he’ll probably not get nabbed of the Police.
Galling isn't it 🙁
We’ve had about £800 of damage to the car
Pointed out to him the bumper is £870 + respray, labour etc
we’re happy to have it repaired by a panel beater we know who is excellent, for the £500 he’s quoted.
So which is it?
You criticised me for being "personal" but your explanation is all over the place. All this drama and faff for what, a couple of hundred quid cash over your insurance excess on a £50k motor?
One thing I think we can all take away from this is that if you can't afford to insure your "high value convertible" then you shouldn't have bought it in the first place.
But some people have "different" priorities I guess.
(And carrying out a cheap repair on an expensive car is not really a good idea)
One thing I think we can all take away from this is that if you can’t afford to insure your “high value convertible” then you shouldn’t have bought it in the first place.
If I'm not mistaken it's an EV and none of them come cheap, eventually that's a leap we're all going to have to make if we want a "car" and we'll all need to deal with the insurance on a 40k corsa.
Also insuring cheap cars isn't necessarily cheaper, it can be more expensive and the chance of the car getting written off by the insurance company goes up so the op could very easily be in a worse place, not better if it a 5k car. As ever, it's not black and white.
Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.
Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.
This applies to literally all car enthusiasts lol
the op could very easily be in a worse place, not better if it a 5k car.
You mean apart from the £45k extra he paid (or the equivalent monthly payments)?
So, actually, no.
I have a Porsche, a golf and a fiesta (all bought and paid for) - I can guarantee that the fiesta is the cheapest to keep on the road and the Porsche is the most expensive.
The point I'm making is that people should look into all the running costs before buying a{n expensive} car.
(Especially if they live in an area where that vehicle may bea bigger target)
Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.
Always turns out rosy in the end though, against all odds.
RM +1
You deliberately had a scroat come to your house in his uninsured shitbox and you're arsing about for £500 of his cocaine/weed profits.
Braver than me.
You criticised me for being “personal” but your explanation is all over the place. All this drama and faff for what, a couple of hundred quid cash over your insurance excess on a £50k motor?
To be fair to you, it has been a bit all over the place as when I first quoted £800 that was a guess by me for a repair. Our mate has now given an estimate of £500 to repair the bumper and respray it etc. The £870 is the cost for a brand new bumper form Mercedes which would need resprayed and all the ancillaries such as trims, reflectors, exhaust tips, sensors etc. An insurance job would easily be heading towards £2k. For reasons previously stated, I don't want a £2k claim on record for something that can be done for less.
One thing I think we can all take away from this is that if you can’t afford to insure your “high value convertible” then you shouldn’t have bought it in the first place.
But some people have “different” priorities I guess.
(And carrying out a cheap repair on an expensive car is not really a good idea)
LMAO! Who said we can't afford it? I've got a brand new £47k car and the Mrs has the car in question. What I'm trying to achieve is remove the risk of expensive car insurance becoming even more expensive because we've had a claim on our policy. As previously mentioned, we're both ex company car drivers an despite being near 50 and having no points, both cars are insured for full business use and we both don't have full NCD as for the last 4 years we've been building up our NCD.
When we 'compare the market' we get hideous quotes, so we both use specialist brokers and my whole point of this post, was to establish whether we get a repair direct from a bodyshop which is not much more than the excess we'd lose by using insurance.
It's not a cheap repair, the underside has been inspected today and it's good to be plasti welded behind the split and filled, resprayed. It's plastic bumper, none of the integrity of the nudge bar or styrofoam behind the bumper has been compromised.
Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up
I do 30k a year, had no points for 15 years and not had a bigger claim than £2k, last one being 2007. The Mrs does 5k a year and this happened at a country park no more than a mile from home. You just can't predict when shit like this happens.
Always turns out rosy in the end though, against all odds.
RM +1
Despite the general consensus of opinion that I'm some sort of charlatan, I'm a very tenacious, fair person and have a conscience. The dialogue I've had with this guy today made me feel (now he's cornered of course) he is quite remorseful and genuine. I've given him the option to recompense us for a quality and sufficient repair instead of allowing the insurance bodyshop turn this into a massive lunch for them to dine out on.
You deliberately had a scroat come to your house in his uninsured shitbox and you’re arsing about for £500 of his cocaine/weed profits.
Braver than me.
I had to think long and hard about it, but once he coughed up he was very genuine, he's having a hard time and my thoughts were having his car seized and six points on his license won't help his situation. He knows i know where he lives, he said I was very generous is allowing him to take that option and knows not to abuse that generosity.
The next few days will tell.
RM +1
Still don't know what that means lol
Will you be informing your insurance company that you’ve been involved in an incident and had the car repaired yourself?
My natural temptation is to tip off the Rozzers and tell them an uninsured driver will be meeting up with me, in a car that’s had no tax or MOT for nearly a year.
he was very genuine, he’s having a hard time
He's not - he's a lying POS scum that's spun you a line. He shouldn't be driving a no doubt dangerous lump of metal on the roads that we/I cycle on - he's already done a hit and run and your encouraging this behaviour to save yourself a few quid.
Definitely pester the police ut in the meantime a couple of clicks here won’t take you long
https://contact.dvla.gov.uk/report-untaxed-vehicle
This was the right thing to do seeing as you'd figured where the car 'lives' - make our shared roads safer
TBH you're not much better than him only you have a fancy car and live in a better part of town. You can't untangle this now as you'll end up with a brick through your window when his weed delivery mobile gets impounded and he knows who and where instigated it. All to save a few quid to get a £50k car repaired properly rather a back street garage bodge.
My cousin reported an accident to MIB. They just cleaned up all traces and then erased his memory.
The dialogue I’ve had with this guy today made me feel (now he’s cornered of course) he is quite remorseful and genuine. I’ve given him the option to recompense us for a quality and sufficient repair instead of allowing the insurance bodyshop turn this into a massive lunch for them to dine out on.
Who made you the judge and jury? Remorseful or not he's driving about in an uninsured/untaxed vehicle without a single consideration for anyone else. As a responsible citizen you should be handing the whole matter over to the police. The fact that you are not doing this and trying to justify it by taking coming over all sympathetic to his situation because you are trying to outfox the system, makes you no better than him. You are literally prepared to overlook his illegal behaviour because you reckon it will save you a few quid. Very poor show IMO.
As a responsible citizen you should be handing the whole matter over to the police.
a) It was reported to the Police when it happened, who informed us they'd look for the car but wouldn't investigate as it's non injury.
b) he arranged to meet me on Wednesday night and I went to local nick to tip them off he'd be there and showed them his texts confirming he'd be in his car, they had the wrong registration despite being corrected previously, twice.
c) when he bailed from that meeting I rang them again to tell them not to come to that RVP and they still had the wrong registration, so they were looking for the wrong car anyways.
When I located his car at his house, that was in a different Police force. I spent 40 minutes on phone to 101 and they fobbed me off saying I had to report it to the other force who would have to take the lead and inform them.
So tell me I haven't done enough?
This was the right thing to do seeing as you’d figured where the car ‘lives’ – make our shared roads safer
See above.
The fact that you are not doing this and trying to justify it by taking coming over all sympathetic to his situation because you are trying to outfox the system, makes you no better than him.
The broker we use told us we are under no obligation to claim off the insurance. The police confirmed we do not have to claim off the insurance. There's NO law that stated we have to claim off insurance.
Here's some maths behind my decision:
with 5 years NCD (not protected) the policy costs £900 a year. If we claim AND we lose two years NCD then that policy next year will be well over £1600, who knows until that time comes, could be higher. Because of the business use we can't get competitive quotes from usual sources. So it's financially better to suffer the cost of a £500 repair to protect ourselves from an increased premium and next year our insurance should come down further, so in reality I'm probably saving £900, assuming the scrote pays back the £500.
You are literally prepared to overlook his illegal behaviour because you reckon it will save you a few quid.
See my first comment, his behaviour hasn't been overlooked at all.
Not sure anyone said you HAVE to claim via insurance but it has been highlighted that most companies require you to declare incidents, even if not claimed, at time of renewal which may well impact next premium so might as well have benefit if insurance dealing with it.
Also, as you've discussed with police already, do insurance companies get notification of this interaction? Could invalidate current or future policy due to non-disclosure
cb200 - very good.
Does anyone here think OP is going to declare this come renewal time? If so, I have a bridge for sale…
Anyone else getting Bucks Fizz vibes?
Does anyone here think OP is going to declare this come renewal time?
As mentioned before, I've checked, it's not a claim. I've just checked the policy wording on my insurance proposal form for my car and the wording states "accidents or incidents that are likely to lead to a claim"
Unless the perp of this whole incident is suddenly going to claim off our policy, then no is the answer, no need to inform.
Update: Text from other party to say £500 being paid into my account in the next hour.
Obviously an old account that never gets used.
Utter rubbish. You are just playing semantics to suit your narrative. You’ll be just as bad as the guy that hit you when you commit fraud at renewal time.
There’s NO law that stated we have to claim off insurance.
That's completely true. It's not about claiming, it's about telling the insurer. It's a basic principle of insurance contracts that they are 'Uberrima fides', ie, ultra good faith, which means that anything that might be relevant to the risk must be declared. Some insurers expect it at the time, others at renewal. It's not statutory law but it is case law (see link above) and even if the insurer hasn't told you you must report anything, it still applies. So you either report it at renewal, and they may or may not adjust your premium, or you risk being uninsured if they find out.
If you're confident that the event doesn't affect the risk, there's no problem telling the insurer. On the basis that you're quite keen not to tell them, I guess you expect that they will think it does. They are experts in assessing risk and have lots of claims data to back up their judgment, so they are probably right.
You need to inform them whether claiming or not as it changes your risk. What are you trying to hide from them?
About £700 in premiums according to an earlier post…
Utter rubbish. You are just playing semantics to suit your narrative. You’ll be just as bad as the guy that hit you when you commit fraud at renewal time.
Ok Mr pedantic, if that's what you want to believe then you crack on...
It doesn’t matter what I believe, see Greybeard’s post from a few minutes ago.
LMAO! Who said we can’t afford it?
Having a £50k car and faffing over a couple of hundred quid on the insurance for said car do not go hand in hand.
If we claim AND we lose two years NCD then that policy next year will be well over £1600
Do you know that you'll lose your NCB? A quick google shows that it's usually not the case.
Because of the business use we can’t get competitive quotes from usual sources.
But you can obviously put the insurance premium through as a business expense.
that policy next year will be well over £1600
Which brings me back to my original point - expensive cars are expensive to insure.
It's not really a surprise and should be planned for. TBH it's probably the first thing I look at when considering a car purchase.
(and £1600 isn't really that wild in terms of premiums - a new driver of a 1.0L fiesta will pay well over £1200. But if you've not got kids and have been protected by driving a business-supplied vehicle for this long then it may come as a shock)
You need to inform them whether claiming or not as it changes your risk. What are you trying to hide from them?
How does repairing a bumper change the risk?
Please enlighten me? The car was declared at doing 15k a year and it's done 5k a year, so if anything we're now LESS likely to have a claim.
The car was parked in a public car park, is the policy going to shoot up because we didn't inform the insurance company that we dared to park in a public car park?
Clutching at straws there really, but hey, anything to keep an argument alive.
