What Can Be Done?

[Stargazer]

My daughter has just fond out that someone who lives closely has successfully made a claim on daughters car policy. This very antisocial neighbour (police frequently called to house, endless fights and drugs) accused my daughter of damaging her car when opening her door. (parking is communal and frequently heir cars park next to each other. Not only was this untrue but there was nothing to be seen on inspection of the supposed damage. How can a claim have been made and gone through with without my daughter's knowledge? Can this have been achieved solely by the use of her numberplate? This would affect her NCB as she has made one claim already. These neighbours were evicted from their previous social housing to spitting distance of my daughter's privately owned house but parking is a shared 8 car bay.

[Arrods]

I would have thought that, if an insurance company had paid a claim in respect of your policy, whether for own damage or to a third party, it would affect your NCD.

[Arrods]

And I would be very surprised why the insurance company did not contact the daughter to check the circumstances.

[barry1010]

Arrods, did you read my rather long copy and pastes from the link I gave? It is very common for small claims to go through without the third party knowing anything about it.

[Smowball]

How can someone make a claim without even proving if it’s true or not?? You could get people making false claims here, there and everywhere!

[Arrods]

I would have thought so Smowball.

Perhaps barry10, but the item assumes the liable party had notified their insurer of the incident and then assumed that would be the end of the matter. It's possible, I guess in this case, that the 'innocent' party had provided sufficient evidence of liability and so the claim had been paid. As Smowball has suggested, this would otherwise be a chequebook for fraud.

There are enough complaints on AB about how insurance companies try every trick in the book to avoid paying claims.

I don't think we have the full story.