An insurance claim question.?
My questions are: Can I still claim for the roof repair after this length of time, I appreciate I may have to pay an an excess. Also, if I claim now, should I notify my current insurer as technically it was not my fault. I don't want to have higher premiums when the incident wasn't my, or anyone elses, fault.
Any info or suggestions will be greatly appreciated, thank you.
Answers:
CHECK YOUR POLICY DOCUMENT - that will detail how long after an incident you can submit a claim.
Unfortunately, the claim in question will be termed a 'fault' claim - you won't have a choice about that.
A fault claim is one which your insurance provider has not retrieve all costs of the claim. A no-fault claim means that you insurance company has retrieved all costs from the third parties insurance provider. As there is no third party here, it will have to go down as a fault claim - something to consider before you claim.
If you do have to claim, when it comes to renewal or switching insurance provider, be sure to get on the phone to explain your claim situation. They'll be forgiving given the circumstance and you've done the right things to take pictures at the scene etc.
not sure about the length of time to claim but you will have to notify your current insurers if you do claim cos it will still count as a claim even if its not your fault, and it will no doubt bump up the premium you will pay. but once its resolved you will get your money back,
I sujest you talk to your insurer ASAP you may be lucky and i do hope you are. However I dont think luck will be on your side.
If you renewed with another insurer, then you are screwed I would say. Just another screwball getting screwed by the insurance companies for ignorance.
Put your claim in without delay an state your insurance ref number. On the no claim part you are making a claim so you will lose your discount unless you have protected no claim.
At £5000 they might treat the job as a write off.
Whatever you must start the process now. Why ever did you leave it so long?
Usually insurance companies demand that all claims are submitted within certain time periods.
They reserve the right to refute your calim which then leaves the burden of liability to proven by you.You can try but the bevy of Lawyers they will set upon you will make this an arduous and expensive procedure without a guarenteed result.
Do you really want to face the prospect of having to pay their lawyers fees cos you lost?
Frankly I think your nackered. You have obviously failed to report the event in a timely fashion and then gone to another insurer.
You want to be careful they dont scream fraudulant claim. Sorry mate , i think you are rogered on this one.
This is a weird one. Had it been something like a theft, and you had a police reference for it to prove when it happeened, then you probably could have claimed for the loss as you had proof that the loss ocurred whilst it was on cover with the previous insurer.
However your problem is that there is no way you can prove when this damage happened. As far as your old insurers are concerned, this damage could have happened yesterday and therefore has nothing to do with them.
You'd have to prove to them that the damage happened whilst on cover with them, and that's going to be bloody difficult!
Not that I am recommending this as it's a bit fraudulent..but you could claim on your current policy if it's comprehensive. They don't need to know that the damage happened last year.obviously you won't do this as insurance fraud is illegal.
I also note that you said that the damage is £5,000. Unless your camper van is brand new and worth £9,000+ that sort of cost is DEFINATELY going to write it off.
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