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Thread: Crashed and driven off!

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    Angry Crashed and driven off!

    tonight some g*t has just driven in to the back of my girlfriends car parked outside our house and then driven off.

    to make it worse, we don't know what to do in terms of reporting. We've just moved in and in the process of changing all the addresses, V5 is done, but not the insurance.

    what should we do? we're now worried if we tell the insurance/police we'll get a fine and/or points. Do insurance company's give you a certain period of grace to change addresses?


    First thing i'll do is take it to the garage and ask them how much to fix it. if it's a small job, then we'll pay for it and have learnt next time. HOwever, if it's a large job we're not sure.

    any advice is warmly welcomed

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    I honestly don't know if you get any grace but clearly the risk might be different at the new address to the old one so that might be A get out for them. My premium went up when we moved here for example.

    I'd check the policy small print first. Might mention it there.

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    Thumbs up

    thanks for your post.

    reading around, we're worried about IN10 - driving without valid insurance (6-8 points and £180 minimum fine).

    if any one has had any experience with that, it would be good to hear about

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    Well it takes seconds to change the policy to your new address. It's just a phone call. That will get you "legal" at least.

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    I would definately report it.

    Dont worry too much over the address change, as long as its not months.
    Its the car they are insuring not the address!

    When we last moved home 2 years ago, we had sold our property and hadn't even bought another property, we lived at 2 or 3 locations until we had finally found a home to buy, we even lived in a hotel for a month, and the insurance people just said to give them the new address, once we had settled everything and moved in.

    As long as its a valid insurance certificate, the address does not matter too much, as you have a valid reason, just tell them the truth.. ie you have just moved homes.

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    it's worrying, knowing insurance companies, they don't like paying people money, small or large.

    looking at what the car actually is worth, and the excess on the policy, i think we'll lose out financially doing it through insurance as oppose to taking a hit. What with the loss of no claims for a car that is worth under a grand, i think we might as well just sort it ourselves.

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    I'd report it to be honest, an INS10 is only applicable if your girlfriend was driving, but you stated the car was parked outside, so that shouldn't be a problem.

    I've had bumps in my previous car and ALWAYS made the insurance company aware, even when we'd sorted it out between ourselves, shook hands and driven off, just in case the old 'whiplash' injury claim comes through a couple of weeks later. Prevents the Insurance company trying getting out of helping you because you never reported it!

    Making the company aware isn't the same as making a claim, just tell them it's for their info ONLY, at the very least.

    As already stated, as long as you've not been moved into your new flat for months, you 'might' be alright. maybe ring up a different insurance company and ask them what the state of play is?? They are in the business to know.

    If your Insurance excess is more than £300, you could always contact the Motor Insurers Bureau, who 'try' and help out against unisured driver who pay what ever the difference is. It is a bit like getting blood out of a stone though as if your excess is £350, the MIB will only help you out with £50, if excess is £400, they help with £100 etc.

    Sorry if my advice is as clear as mud, but you might make sense of it all.

    Good Luck.

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