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#Post#: 28038--------------------------------------------------
Reporting of claims under another policy to your primary vehicle
insurer
By: typefish Date: June 30, 2024, 11:56 am
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Does anyone know if a claim that is made to a insurer that
provides secondary insurance such as cosmetic or tyre cover
needs to be reported to the primary vehicle insurer? I've been
asked this question as someone is contemplating purchasing a
product like that and I'm struggling to come up with answers
that I can back up.
Some specific scenarios that I can think of off the top of my
head include:
[list type=decimal]
[li]A claim for alloy wheel refurbishment due to a manufacturing
defect causing excessive corrosion of an alloy[/li]
[li]A claim for cosmetic paint touch up due to multiple stone
chips, ostensibly wear and tear with the aim of preventing paint
damage or corrosion or rust of the metalwork[/li]
[li]A claim for tyre repair or replacement due to piercing by a
sharp object, that was not encountered during an accident[/li]
[/list]
My personal feeling is that it isn't, as the insurance product
that is being offered for the secondary insurance is not related
to the product offered by the vehicle insurer, and the reason
behind any potential claims in any of the scenarios above are
not due to incidents that would be classified as accidents. But,
insurance is a funny world and you never know what funniness
exists.
Heck, even if that were the case, where do you stop? Do you
inform the insurer of new OEM-specification shocks and other
driveline parts fitted to a vehicle, to replace parts worn out
through wear and tear? What about a claim on your house
insurance for water damage to a ceiling after a leak in a
bathroom?
What are the thoughts of the community on this confusing matter?
:)
#Post#: 28085--------------------------------------------------
Re: Reporting of claims under another policy to your primary veh
icle insurer
By: ivanleo Date: June 30, 2024, 4:50 pm
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Why don't you just ask the primary insurer? It's impossible to
give a general answer because each insurer can have whatever it
wants in the terms and conditions as long as they don't fall
foul of any relevant legislation, and I'm not aware of any
restrictions on this sort of thing.
#Post#: 28110--------------------------------------------------
Re: Reporting of claims under another policy to your primary veh
icle insurer
By: slapdash Date: June 30, 2024, 11:24 pm
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[quote author=typefish link=topic=2385.msg28038#msg28038
date=1719766618]Do you inform the insurer of new
OEM-specification shocks and other driveline parts fitted to a
vehicle, to replace parts worn out through wear and tear?
[/quote]
Admiral, for example, regard anything other than the
manufacturers standard spec as a modification, that means
optional extras need to be declared and rated. Most insurers do
not regard manufacturer options as declarable.
Where indeed do you stop? The automotive supply chain is riddled
with questionable supplies. Loads of Brembo stuff is fake, loads
is genuine but made to different specs.
What about those tyres, they may be right size and load but not
the actual * marked OE.
It's a subject that crops up regularly on modding forums.
Insurers have differing views.
#Post#: 29528--------------------------------------------------
Re: Reporting of claims under another policy to your primary veh
icle insurer
By: mickR Date: July 11, 2024, 12:54 pm
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hmmm I would suggest insurance Companies insisting on OEM parts
might fall foul of Block Exemption rules regarding the use of
aftermarket parts on vehicles which were amended and confirmed
in 2023 until at least 2028.
I would also suggest it may not be possible to state for
certainty that a used car you just bought has not been modified
in some way or that all the "extras" were factory fitted.
#Post#: 29541--------------------------------------------------
Re: Reporting of claims under another policy to your primary veh
icle insurer
By: slapdash Date: July 11, 2024, 2:18 pm
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[quote author=mickR link=topic=2385.msg29528#msg29528
date=1720720483]I would also suggest it may not be possible to
state for certainty that a used car you just bought has not been
modified in some way or that all the "extras" were factory
fitted.
[/quote]
I entirely agree. Though in that circumstance the proposer
wouldn't be reckless (probably) in answering no.
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