Can I pay a damage bill from the other parties insurance Co to avoid my own company paying & save my discount?

Question

My girlfreind who is a named driver on a provisional licencee scratched a parked car in a car park whilst manouvering. There is a 4 inch scratch on the ladies car. We waited until she returned to tell her. But our policy has a £400 excess and the calim will also wipe out my no cliams discount. The other company has approached us and we want to settle the bill with their recovery team direct to avoid my policy being hammered... Albeit my company will be told but will not have to pay up, ca this be done??

Answer 1

Why would you want to do that??? Did you not have insurance and are you worried about getting in trouble with the police??

Answer 2

Yeah why not, I'd be suprised if the bill was over £100, let alone your £400 excess, so there is no point claiming against your insurance, on the other hand you need the agreement of the lady to pay her bill, sometmes people can be really annoying and insist it goes through the insurance companies. If you do pay her repair bill, make sure that you get a receipt which states she received full payment for the accident that occured on such and such a date and place, or she might try to claim twice.

Answer 3

yes it can be done, and well done u for staying around and owning up, there is nothing worse than coming back to ur car when it has been damaged with no note etc.

just make sure u get a cost brake down before u agree to pay the money, as the lady may try and claim other damages on top, like loss of earns cos her car is being fixed etc.

really it best if u can get a few quotes to fix her car, i know her insurance company will use there own people to fix the car, but if u get a few quotes, u'll know that the cost will be around that sort of price

i hope all goes well, and u get it all sorted

Answer 4

Doesn't the no claims or no accident discount only apply to you? So someone else drove your car why would you lose your discount, unless it just counted any claim that got reported? A lot of companies don't take action for lending losses.

On top of that, is what you pay out going really save you $ compared to whatever effect there will be? Carefully consider this. What you really need to know is how your discount is determined and go from there.

Answer 5

If you are fully comprehensive, the accident was clearly and provably the fault of the other party, and you are with a good insurance company, then your company will pay your bill and recover the costs from the other insurance company. Your NCD will remain intact providing the costs are recovered.

If you are 3rd party, and the accident was clearly the fault of the other party, then your only course would be to recover your costs from the other company.

Answer 6

maximum all coverage companies have a clause it extremely is sweet to have all drivers of a automobile on coverage. Havent you ever heard parents whinge their costs pass up via fact a baby is on their coverage? Why did you permit him even take it without making valuable? What a complicated lesson you and your son are discovering. Your son ought to be procuring the damages. If he's sufficiently old to rigidity he ought to be in charge for his movements.

Answer 7

Yes, there is no problem with settling the bill yourself. But you must inform your insurance Company of the incident, otherwise if it comes to light later they may void your insurance, and you will struggle to get any cover in the future.

Answer 8

If you have high excess on your policy and if the repair is less than that pay for it.
Remember it also affects your no claims bonus if the insurers pay.

Answer 9

Yes it can. I've done it a couple of times. Loss of my NCD would have been more than the amount of the damage so it was cheaper to go that way.

Answer 10

If it's a small enough bill, sure, why not; unless, of course, you've already reported the accident to the company. In that case, your rates will already go up.