Do I declare this? - Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars
Ford Forum Ford Forum

» Auto Insurance
» Featured Product
ยป Wheel & Tire Center

Go Back   Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars > Fordforums Community > The Pub
Register Home Forum Active Topics Photo Gallery Auto Loans Garage Mark Forums Read Auto Escrow

The Pub For General Discussion

FordForums.com is the premier Ford Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Display Modes
Old 11-24-2003, 02:09   #1 (permalink)
Registered User
 
Join Date: Apr 2003
Location: Sydney
Posts: 27
confused Do I declare this?

I am about to sell my XG ute and purchase an EB XR8 which I have been
saving for both financialy and my driving and insurance (max noclaim bonus now) record (to keep the cost of
insurance down which is already ridiculous for a V8).

I am currently shopping around for insurance and they all want to
know whether I have had an accident or claim in the last
5 years.

My driving record is superb.

But in September this year I had an accident where I rear ended another car pushing them into the car in front. At the time I was a spare parts delivery driver, driving the work ute during work hours on
my morning run. At the time of the accident I gave my details to both other drivers and parted ways. I filled out a claim form for my works insurance company.

Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them
so they could make the claim.

Both these letters were passed on to my employer who in turn has passed them on to his insurance company.

So technically it has not and will not be claimed on my insurance policy.

The big question : DO I HAVE TO DECALARE THIS TO AN INSURANCE COMPANY WHEN APPLYING FOR A QUOTE OR POLICY?

Please help!

Thanks

Regards
Mick
miks4d is offline   Reply With Quote
Sponsored Links
Advertisement
 
Old 11-24-2003, 02:16   #2 (permalink)
Registered User
 
Join Date: Apr 2003
Location: Sydney
Posts: 27
confused Do I declare this?

I am about to sell my XG ute and purchase an EB XR8 which
I have been saving for both financialy and my driving and insurance (max noclaim bonus now) record (to keep the cost of insurance
down which is already ridiculous for a V8).

I am currently shopping around for insurance and they all want to
know whether I have had an accident or claim in the last
5 years.

My driving record is superb.

But in September this year I had an accident where I rear ended another car pushing them into the car in front. At the time I was a spare parts delivery driver, driving the work ute during work hours on
my morning run. At the time of the accident I gave my details to both other drivers and parted ways. I filled out a claim form for my works insurance company.

Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them
so they could make the claim.

Both these letters were passed on to my employer who in turn has passed them on to his insurance company.

So technically it has not and will not be claimed on my insurance policy.

The big question : DO I HAVE TO DECALARE THIS TO AN INSURANCE COMPANY WHEN APPLYING FOR A QUOTE OR POLICY?

Please help!

Thanks

Regards
Mick
miks4d is offline   Reply With Quote
Old 11-24-2003, 02:19   #3 (permalink)
Registered User
 
Join Date: Sep 2001
Location: Perth
Posts: 1,386
Re: Do I declare this?

yes...

theres no point paying $1000(or whatever it is) per year, and then make a claim only to not have it payed out cause of this technicality!!

But its up to you...
__________________
EL driver...
Futura97 is offline   Reply With Quote
Old 11-24-2003, 02:36   #4 (permalink)
Registered User
 
Join Date: Apr 2003
Location: Sydney
Posts: 27
Re: Do I declare this?

Oops, Sorry posted twice.
miks4d is offline   Reply With Quote
Old 11-24-2003, 03:35   #5 (permalink)
Are we there yet?
 
Join Date: Dec 2002
Location: SA - The Drift State
Age: 30
Posts: 1,621
Re: Do I declare this?

I wouldnt, but what you could do, is ring a company that you don't like (AAMI) and ask them.
__________________
95 EF Fairmont 5.0 - Heritage Green - 4 Speed auto with AU S5 - 3.23LSD - 17x8" LWT Wheels - King Superlows - 76mm Cobra MAF - 65mm throttle - BPT Underdrive Pulley Kit - 3" Mandrel-bent Lukey exhaust - Tinted Windows - MP3 CD player - White faced dials.

117rwKw - 15.47@89.9MPH
Aaron_EF8 is offline   Reply With Quote
Old 11-24-2003, 03:59   #6 (permalink)
NB & NCII V8 Fairlanes
 
Join Date: Feb 2001
Location: Bibra Lake Western Australia
Posts: 2,840
Re: Do I declare this?

If you don't tell them and you subsequently have a claim and they find out about the past accident (which they may well do as they keep a shared data base of all claims) your claim will be rejected. Declare it.
__________________
Regards Blue

Last edited by Aussiblue; 11-24-2003 at 04:02.
Aussiblue is offline   Reply With Quote
Old 11-24-2003, 05:45   #7 (permalink)
Registered User
 
tx3dude's Avatar
 
Join Date: Aug 2002
Location: WOLLONONG
Posts: 582
Re: Do I declare this?

dunno dude. sounds like ff.com needs a legal dept...
tx3dude is offline   Reply With Quote
Old 11-24-2003, 08:40   #8 (permalink)
Registered User
 
JADED6's Avatar
 
Join Date: Oct 2003
Location: Adelaide
Age: 34
Posts: 775
Re: Do I declare this?

I'd do it if i was you.. ANY REASON at all is reason enough for an insurance company not to pay up and they will get you on this if you were to make a claim thus leaving you with any repair bills in the event of an accident. Don't think it'd help long term by leaving this out, you may have to pay a bit more now but they wont give you a cent if they feel they have reason not to pay. (remember, any reason at all)
JADED6 is offline   Reply With Quote
Old 11-24-2003, 09:04   #9 (permalink)
Registered User
 
JADED6's Avatar
 
Join Date: Oct 2003
Location: Adelaide
Age: 34
Posts: 775
Re: Do I declare this?

quote, But in September this year I had an accident where I rear ended another car pushing them into the car in front
&
Over the next 6 weeks I received a letter from both other parties insurance companies stating to forward my insurance details to them so they could make the claim.

Just out of curiosity now...... I heard a cop on the radio say that if you hit a car in the rear and it then hits a car in front of it, the car you hit is responsible for damage it does to the car in front of it (make sense?) i thought it was stupid but he stated, it's their responsibility to leave a gap (said to be a distance of "so you can atleast see the back wheels of the car in front or see the road")
What if some idiot hit you at 60kmp/h ?
Ok so way off track now, sorry :)
JADED6 is offline   Reply With Quote
Old 11-24-2003, 11:41   #10 (permalink)
Lamahs approve of manuals
 
Join Date: Mar 2003
Location: Sydney, Australia
Age: 37
Posts: 1,382
Re: Do I declare this?

It will depend on the exact wording of the questions. However, I would call your insurance company and ask - there is no need to tell them who you are if you are worried.

I think pricing is very much on no claim. NRMA's site bumps up the price if you have had an incident, but largely because it uses this to "guess" your no claim. If you still have max no claim, I think you will be fine.
Unfortunately, as mentioned, they are sneaky sods, so your best to mention everything, or risk your insurance being useless
XR8 Lamah is offline   Reply With Quote
Sponsored Links
Advertisement
 
Reply

  Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars > Fordforums Community > The Pub



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Powered by vBadvanced CMPS v3.2.2

All times are GMT -7. The time now is 20:20.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.6.0
Garage Plus vBulletin Plugins by Drive Thru Online, Inc.