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The Pub For General Automotive Related Talk |
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#1 | ||
Regular Member
Join Date: Nov 2014
Posts: 74
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Ok so my gf crashed my car last week and its looking like a write off.
Now the car was registered in my dad's name as I was under 25 when I bought it and that way was cheaper to insure. Now that I am over 25 if it is written off I will buy a new car but in my name this time. So when it comes to insurance, I have nothing to declare right? My gf crashed it, my dad owned it nothing blows back on me yeah? Full no claim discount? I have been a listed driver on a policy for 7 years now. She is buying her own car and won't be listed on my new policy as she is 24 and shouldn't have a need to drive it anyway. |
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#2 | |||
Performance Inc.
Join Date: Aug 2008
Location: In a cave
Posts: 2,554
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Mate best advice I can give you is remove this post. If you owned said car and insured it in your dads name and let your girlfriend drive it and subsequently wrote it off you have committed fraud on the insurance company. Just get your dad to make a claim and shut up talking about it.
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#3 | ||
Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Depends.
On my policies I ticked a box to say no one under 30 will drive my car - for a modest discount of course. Some policies will ask for a higher excess if you are undeclared, or under a certain age. (This is in regards to if insurance will pay out). As for your NCB - I believe you may be correct, seeing as you were not driving and the driver who crashed is known and admitted to the accident then I think you will be ok.
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___________________________ I've been around the world a couple of times or maybe more....... |
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#4 | |||
Regular Member
Join Date: Nov 2014
Posts: 74
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Quote:
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#5 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Canberra Region
Posts: 8,939
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So who's policy was it? Because they dont ask you whether you've ever had a crash, they ask you whether you've ever made an at fault claim.
Someone having an accident on a policy means a claim was made...
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2016 FGX XR8 Sprint, 6speed manual, Kinetic Blue #170 2004 BA wagon RTV project. 1998 EL XR8, Auto, Hot Chilli Red 1993 ED XR6, 5speed, Polynesian Green. 1 of 329. Retired 1968 XT Falcon 500 wagon, 3 on the tree, 3.6L. Patina project. |
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#6 | |||
Regular Member
Join Date: Nov 2014
Posts: 74
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Quote:
If you were listed on someone else's policy and they had an accident, you wouldn't expect your claims history to be affected now would you? |
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#7 | ||||
Performance Inc.
Join Date: Aug 2008
Location: In a cave
Posts: 2,554
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Quote:
Just be careful what you write and say on public forums as you have duty of disclosure when you apply for insurance plenty of people have "their" cars insured in their parents names and insurance companies are wise to this and can refuse a claim if the correct premium has not been paid.
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#8 | |||
Miami Pilot
![]() Join Date: Jan 2005
Location: ACT
Posts: 21,701
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Quote:
When you are asked "Have you ever claimed insurance", you can truthfully answer no since you are only listed as a named driver on the policy, and not the policy holder. Your gf will have to declare that she was the driver involved in a claim, even though it was not her insurance to claim on (as part of driving history though, not claim history, I think). Sad fact is that insurance is usually cheaper for females over 21, and males over 25, so you may just find that you could actually put your gf on your insurance, and the premium should remain the same as if it was only you. Also keep in mind that casual drivers are covered, but if she has another stack in your new car and is not on the policy, and insurance can prove that she was a regular driver then they may elect not to pay since you didn't tell them the truth from the start. Insurance risk is about the type of car, the location, and the regular drivers.
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#10 | ||
Clevo Mafia Inc.
![]() Join Date: Dec 2004
Location: Melbourne
Posts: 10,496
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From the info given you should be fine to start a policy in your name with a clear history. Someone crashed a car you happened to drive, nothing to do with your record.
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#11 | ||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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You may have been a listed driver on the policy, but as you've never actually taken out a policy in your name your next one will be your first and you wont be getting much of a no claim discount, if any.
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#12 | ||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,336
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The questions that the insurance company will ask is.
Have you had any accidents, claims or thefts in the past x years. Have you had an accident in the past x years, does not matter if you were the owner of the car or insurance policy holder. Have you had an accident even if you did not report it to your insurance company. Have you had any claims in the last x years. If you own the policy, or made a claim on someone’s policy. Have you had any thefts in the past x years. Has a car you owned been stolen in the last x years. If you answer no to all questions then that what you should tell the insurance company. Most big insurance companies these days will base your policy rating/NCB (No claim bonus) on the number of years you have had your licence, even an accident or two most insurance company will give you a rating 1 for life or NCB for life. Insurance history means nothing these days for your discounts. |
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#13 | ||
Regular Member
Join Date: Nov 2014
Posts: 74
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You sure about that? I was under the impression that if you are a listed driver and drive for 5 years then that counts towards NCB
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#14 | |||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,336
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Quote:
Most large companies will base it on number of years you have had your licence. Some companies may ask you about insurance history and base it on your insurance history. NCB do not really mean anything these days as it is easy to get the highest NCB, after driving for 5 years. |
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#15 | ||
The Original ChopstaR
Join Date: Oct 2010
Posts: 277
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Sometimes the questioning will be (depending on insurer)
have you OR ANYONE WHO REGULARLY DRIVES THE CAR... claimed, had accident and etc. so if ur gf drives the car regularly u may need to declare this, its all based on how the applicable insurance company asks the questions, as different insurers with different data ask different questions based on their pricing models, So be careful... and if u think they wont find out, u will be surprised what they can find out to get you for non-disclosure. So listen to the questions carefully. If they asking just about you, you havent had an accident and you havent made a claim as a policy holder, no issues here.
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#16 | ||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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What has happened has happened.
Regarding getting insured for the new car, it is a smart move to put it in your name. Full disclosure is a must to save later on down the track. Maybe don't let the GF drive your car anymore.
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#17 | |||
FF.Com.Au Hardcore
Join Date: Jun 2005
Posts: 5,193
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Quote:
I have max NCB for life on my policy. I made a claim and they simply upped the premium on the policy by 20%... |
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#18 | ||
Guest
Join Date: Sep 2014
Posts: 28
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The information that you must supply to your insurance company relates to anyone who may regularly drive the car. That INCLUDES your GF.
Otherwise here's what happens; you get a cheap premium and merrily pay it for a few years (up to this point it has simply been money down the drain) then your GF has another prang (which is the point at which insurance is MEANT to come in handy) but in your case they will look at her record and deny your claim. The End. I cannot believe people who think it is so clever to get cheaper car insurance by leaving out important facts. Money paid for insurance premiums is gone, burnt, flushed. You get NOTHING for your money. The only point at which insurance pays off is when you have a claim, so it is the very definition of pointless to throw away money on a policy you can't claim on. Insurance companies don't make billions of dollars by being gullible fools. As soon as you have a claim with a non-listed driver (or a driver with an undisclosed record whom you are claiming was only an occasional driver) they will put the whole situation under a microscope. The biggest problem is that you're always arguing uphill with Insurance Companies. When you are claiming, you want them to give you money, and all they have to do is say "no" and you're stymied. That said, let me make this simple. If you live with your GF and only have one car (even if you do 90% of the driving) then you have to disclose her and her record as a driver. |
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#19 | |||
Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Quote:
__________________
___________________________ I've been around the world a couple of times or maybe more....... |
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#20 | |||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,336
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Quote:
![]() Not many people understand insurance companies. They are not there to deny claims, (as most people think) if they denied claims then they would have no customers, epically the small claims . Most big insurance company have a denial rate of 1% or less of all claims lodged. Its a bit more complicated than just a flat out denial. Basically it usually cost the insurance company more to deny a claim, than what it would cost to pay out a claim. |
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#21 | ||
Regular Member
Join Date: Jan 2014
Location: NW Sydney
Posts: 409
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Just to clarify about the No claim bonus, I recently took out a comprehensive policy with NRMA for the car (first in my name - previous was under parents name and I was a listed driver - similar to the OP).
I asked them about protecting the no claim bonus as some companies offer them as an option. NRMA told me (over the phone and in person) that they don't lower your rating if it's only 1 claim per year policy is held. If I was to make 2 or more claims in a year, the premium would go up the following year and this is where the 'protect your no claim bonus' option comes in handy. |
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