Insurance after a fall

[Sue coulson]

Hi everyone had a fall last year. Had to bbe brought back home from Scotland. Worried premium will go up. Does anyone know companies that will be kind on cost

Many thanks
Sue

 

[Jim]

All you can do is ask them at renewal timeSue. I imagine they will go up. But do shop around as there are almost always cheaper options to be found.

 

[Otter Spotter]

What type of insurance are you talking about ?

 

[Sue coulson]

Oh sorry van insurance

 

[Figaro]

The van had a fall ?

Not understanding
Maybe the van was recovered because you couldn't drive it ?

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[donkey]

Did you claim of the van insurance? If not, I don't see why it would have any affect .

Geoff

 

[Sue coulson]

The van had a fall ?































































































































































































































































Not understanding































































































































Maybe the van was recovered because you couldn't drive































































The vad a fall ?





























Yes I Claimed van had to be low loaded bk home

































































































Not understanding































































Maybe the van was recovered bYes ecause you couldn't drive it ?































































































































it ?



Did you claim of the van insurance? If not, I don't see why it would have any affect .



Geoff

 

[Sue coulson]

I had the van lowloaded bk home as I couldn't drive

 

[Just smiffy]

That’ll be your breakdown cover surly..? Nothing to do with van insurance… you don’t have to declare breakdown/recovery on new policy….

 

[Bailey58]

My van was recovered a few years ago, nowhere near the same distance as yours but it never affected my renewal premium because, I assume, breakdown was with provided by a third party arranged by the insurance co.

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[GMLS]

What fall

 

[Otter Spotter]

Your low loader trip will be covered by your breakdown cover’ and that is separate to your van Insurance, so no your premium will not go up because of your fall. Result

 

[Sue coulson]

That’ll be your breakdown cover surly..? Nothing to do with van insurance… you don’t have to declare breakdown/recovery on new policy….

Your low loader trip will be covered by your breakdown cover’ and that is separate to your van Insurance, so no your premium will not go up because of your fall. Result

Hi everyone

Thank you for your replies. Does it matter that my van insurance was with comfort and breakdown and add on. Sorry haven't replied before have problems with site?,

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Oh van insurancise















































































































that















































































































































































































































































































































































































Your low loader trip will be covered by your breakdown cover’ and that is separate to your van Insurance, soOh no your premium will not go up becauOse of your fall. Result



Your low loader trip will be covered by your breakdown cover’ and that is separate to your van Insurance, so no your premium will not go up because of your fall. Result

 

[PeterCarole29]

In my experience you get your renewal quote from the insurance company one month before your end . Thus giving you time to consider and look around

 

[Sue coulson]

My van was recovered a few years ago, nowhere near the same distance as yours but it never affected my renewal premium because, I assume, breakdown was with provided by a third party arranged by the insurance co.

I really hope so thank you

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[rb62]

Here is the relevant section from the Comfort insurance leaflet,section VIII, as it was you that 'broke' not the van,it comes under the van insurance not the van breakdown policy but does say at the end it won't affect your no claim entitlement

 

[Sue coulson]

Here is the relevant section from the Comfort insurance leaflet,section VIII, as it was you that 'broke' not the van,it comes under the van insurance not the van breakdown policy but does say at the end it won't affect your no claim entitlement

View attachment 717364

Phew!!!

 

[bigtwin]

Here is the relevant section from the Comfort insurance leaflet,section VIII, as it was you that 'broke' not the van,it comes under the van insurance not the van breakdown policy but does say at the end it won't affect your no claim entitlement

View attachment 717364

No claim discount protection/entitlement only means that you will not lose any NCD, it does not mean that you will not face policy increases at renewal time.

In any case, Section IX indicates that this policy does not provide a no claims discount but the company, nevertheless, will provide evidence of no claims to other insurers in the event that the policy is not renewed.

Ian

 

[Sue coulson]

No claim discount protection/entitlement only means that you will not lose any NCD, it does not mean that you will not face policy increases at renewal time.

In any case, Section IX indicates that this policy does not provide a no claims discount but the company, nevertheless, will provide evidence of no claims to other insurers in the event that the policy is not renewed.

Ian

Now I. Confused!! (Easily done)

 

[Nirvanauk]

not sure what sort of a fall you had. If it was a blackout (syncope) then the discharge letter from the hospital should advise what you needed to do.

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[bigtwin]

Now I. Confused!! (Easily done)

Your policy, or at least the policy associated with the image that rb62 posted, does not provide a discount based on previous years no claims (i.e. a no claims discount). Consequently, in this respect, your previous claim cannot affect your NCD (since there isn’t one).

However, your previous claim could well result in a premium increase with your current insurer.

In the event that you do not renew with your current insurer, they will not reduce any previously accrued NCD when asked for by your new insurer.

However, arguably, none of this matters. You will, likely, base your decision on the best price your current, or any other, insurers offers you at renewal.

Ian

 

[Puddleduck]

not sure what sort of a fall you had. If it was a blackout (syncope) then the discharge letter from the hospital should advise what you needed to do.

After syncope, just a single incident, plus over reaction by first-aider, I had my license suspended for 6 months and then a battle to have it restored. I ended up involving my MP.

 

[Sue coulson]

Your policy, or at least the policy associated with the image that rb62 posted, does not provide a discount based on previous years no claims (i.e. a no claims discount). Consequently, in this respect, your previous claim cannot affect your NCD (since there isn’t one).

However, your previous claim could well result in a premium increase with your current insurer.

In the event that you do not renew with your current insurer, they will not reduce any previously accrued NCD when asked for by your new insurer.

However, arguably, none of this matters. You will, likely, base your decision on the best price your current, or any other, insurers offers you at renewal.

Ian

Thank you

 

[Nirvanauk]

After syncope, just a single incident, plus over reaction by first-aider, I had my license suspended for 6 months and then a battle to have it restored. I ended up involving my MP.

Similar situation for me. Advised to inform DVLA but wasn’t going to as I feel that they are not fit for purpose. Unfortunately a week later Ireceived a renewal letter from them as I was 73. Darn it. So couldn’t lie and then spent 8 months trying to get it back. At no point was I advised to inform my insurance company.

 

[Puddleduck]

In future I would make a voluntary surrender and ask for it back at the end of the 6 months.