a340driver
Member
Just heard this on a Churchill advert. If I'm fully Comp and an uninsured driver hits me then I I'm still insured. It's late and I'm sure I'm missing something.....Anyone?
Insured against an uninsured driver?
- Thread starter a340driver
- Start date
No idea. My wife was hit by an uninsured driver 11 years ago. She was with Churchill at the time. They paid out minus the excess though.
As far as i know the other party is paying them back at £50 per month. Once this is paid we will get the excess back, but ive all but given up.
On the plus side i did get the annual premium paid back in full as this missed one of their guaranties, which was more than the excess. Although i think somebody got in trouble as it appeared they weren't very happy with having to pay this out
As far as i know the other party is paying them back at £50 per month. Once this is paid we will get the excess back, but ive all but given up.
On the plus side i did get the annual premium paid back in full as this missed one of their guaranties, which was more than the excess. Although i think somebody got in trouble as it appeared they weren't very happy with having to pay this out
I was in a total write off collision about 20 years ago, the other driver (twat!) had no insurance and was totally to blame.
My insurance company coughed up, minus the excess, I was highly satisfied with the settlement as I was about to change the car anyway and they gave me book value.
My insurance company coughed up, minus the excess, I was highly satisfied with the settlement as I was about to change the car anyway and they gave me book value.
Like Direct Line it means that if you hit by an uninsured driver you dont loose your no claim discount nor will you have to pay your excess. It will still count as a claim though on your record which would put up your base premium on which the no claims discount is applied.
Non fault of fault claim, I have no idea about the difference in impact on the base premium. Logic would say it should be, but these are insurance companies we are talking about and logic does not apply. Knowing them they might load a non fault more "as you should have avoided it" so therefore a more risky driver or so ...
If you are insured fully comp then you are always insured whether the other driver is insured or not. It is only the process of recovery that your insurance company follows that is affected by this and they blatantly don't try too hard when this gets difficult and then have the audacity to pass the cost of un-recovered claims on to you as increased premiums or loss of NCB.
These days you pay more when accidents are your fault and also when they are not. Insurance company's have sold their risk on to us and protected their profit margins.
These days you pay more when accidents are your fault and also when they are not. Insurance company's have sold their risk on to us and protected their profit margins.