CAR INSURANCE

[kloofnek]

If one crashes their car through one own fault and it is a write-off
Does ones insurance pay for a replacement, less the excess?

[boxtops]

Mine didn't - they pay you the write-off value (which they get from Glass's Guide) less the excess.

[boxtops]

PS and mine wasn't my fault, it was vandalised and deemed uneconomic to repair.

[KJN]

If you are insured fully comprehensive then ones Insurance Company will make one an offer based on what they think the vehicle was worth less the excess if they consider the car to be a write off and the conditions of insurance were being met.

[boxtops]

http://www.glass.co.u...Njioq8CFZARfAods07LWw

[d9f1c7]

if you are compo then they'll give you the value of the vehicle less the excess. Then they will raise your premiums and get it all back.

[boxtops]

They didn't raise my premiums, dt, because it was deemed to be a no-fault incident.

[d9f1c7]

then that's nothing to do with the OP boxtops. If it was't your fault then the third party co would have paid anyway. If they where uninsured then your company will pay but then you'll have a claim and up the premims go, even with NCBP.

[kloofnek]

Thanks for all your replies...settled an argument .
Another question,my argumentive friend has checked with the Glass link given by
Boxtops and found his car is not worth much more than his excess..if he is lucky that is...so is it really worth is having the fully comp.insurance.????
Or does this affect one being able to drive another car other than one`s own.

[bednobs]

one will probably find that one's insurance will be more expensive as tpft than fc

[hc4361]

Fully comp no longer gives one the automatic cover to drive any other vehicle. A LOT of motorists have been out like does and prosecuted for driving without insurance.


One should always peruse one's policy.

[kloofnek]

oh gosh,I am off to check my policy!!!!!

[ladybirder]

kloof, one chooses a higher level of excess in order to get a cheaper premium. If you choose a high excess, don't get involved in an accident:-(

[kloofnek]

I always choose an average excess..don`t we all hope we have no mishaps!!!!!

[ladybirder]

kloof my car has "accidents" when I'm not there and it is stationary in its parking space. Some barstewards keep knocking my car with their car doors and the latest knock has taken the paint off to bare metal. I regularly get into a right lather about it.

[hc4361]

I always choose a very high excess on the basis that I must pay insurance every year but the likelihood is I will not claim.
I put the difference in to a savings account to make up the shortfall.

[kloofnek]

ladybirder...I know exactly what you mean...my friend had his bumper smashed up and paint scraped of the body too...the other car did not stop...sped on his way...some horrid folk about!!!

[foreverpools]

wifes just had an accident which was her fault,our insurers are settling payment to the value of the car.can we also claim for her personal injuries even tho it was her fault?

[hc4361]

No.

[boxtops]

Who would you claim from? - PI claims are claimed against the insurance of the person causing the accident which gives rise to the injuries. I think not.

[echokilo]

your car policy should also cover you for personal accident!