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Discuss claim your car insurance in the Finance and Insurance forum at Car Dealer Forums; If you are in the uk, you cannot claim. Insurance is for accident damage such ...
  1. #1
    Member
    Join Date
    Sep 2010
    Posts
    38

    Default claim your car insurance

    If you are in the uk, you cannot claim. Insurance is for accident damage such as being involved with another car/tree/ wall etc.

    Repairs come under 'wear and tear' and are not covered. Also, most insurers wont pay out for a car that has not been looked after anyway - it usually states in your policy that you need to maintain the car in a roadworthy condition. ive rejected claims for damage because the person skidded into a tree and wrote the car off, when we examined the car it was found to have bald tyres. The accident was preventable. if they had they maintained the condition of the tyres they wouldnt have skidded, so no pay out.

    a lot of people in this situation decide to make a fraudulent claim and have the car'stolen' and burnt out - insurers are aware of this and will still be able to check the condition of the car - they can tell if it was in good condition or not. Its one of the things they check as so many people claim its been stolen & burnt when its in crap condition.

    Same goes for smashing it into a tree to make a claim - they will still check the previous condition of the car, engine etc and will deduct money for poor condition.

    How about getting the repairs done with second hand parts - you dont say what needs doing, but if you can get parts from a scrapyard it will reduce the cost a lot.

    See if a small independant garage will come nd take a look at it - tell them u want to use second hand parts etc, see if they can give you a quote or advice.

    There is nothing you can do about the loan on the car, it has to be paid, you cant get out of it.

    And next time you buy a car - get it serviced and repaired when it needs it, dont leave it til it falls apart!


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  2. #2
    Member
    Join Date
    Jan 2012
    Posts
    49

    Default

    It is not possible to get complete cover in low rates, we have to go for something that will make it easy for us.

  3. #3
    Junior Member
    Join Date
    Mar 2012
    Posts
    3

    Default

    How much car insurance do you need for yourself?

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