Car insurance question

[foxfanazer]

Hi, my girlfriend crashed her car today and it’s a write off. She took the new policy out 6 days ago so will she be insured for this or do most insurers have t&c’s to get them out of this type of situations? 

 

Thanks in advance for any advice

 

[DennisNedry]

It's valid from the start date/time on the policy document - she'll be covered.

[StanSP]

do you have anything in writing (letter or e-mail) that the policy was confirmed? 

 

You should be fine if so. In fact, even if there wasn't I'm sure you could still be found on their systems and get confirmation through there that the policy was taken out and paid for 6 days ago?

[foxfanazer]

Thanks both, feel free to close the thread mods

[Gary Eatfood]

She will have been emailed her certificate of insurance. It's all paperless now.

[stripeyfox]

1 hour ago, foxfanazer said:

Hi, my girlfriend crashed her car today and it’s a write off. She took the new policy out 6 days ago so will she be insured for this or do most insurers have t&c’s to get them out of this type of situations? 

 

Thanks in advance for any advice

 

More importantly, Is she OK? 

 

[foxfanazer]

53 minutes ago, stripeyfox said:

More importantly, Is she OK? 

 

We (her, me and our daughter) were all in the car and we’re ok thanks. My back is hurting but should be fine

[stripeyfox]

14 minutes ago, foxfanazer said:

We (her, me and our daughter) were all in the car and we’re ok thanks. My back is hurting but should be fine

Ah well just take care mate. You can sometimes get a bit of a delayed reaction to shock. Hope you're all ok

[foxfanazer]

13 minutes ago, stripeyfox said:

Ah well just take care mate. You can sometimes get a bit of a delayed reaction to shock. Hope you're all ok

Thanks I appreciate it. It’s my bloody birthday as well, I’ve had better ones

[mozartfox]

13 hours ago, foxfanazer said:

Hi, my girlfriend crashed her car today and it’s a write off. She took the new policy out 6 days ago so will she be insured for this or do most insurers have t&c’s to get them out of this type of situations? 

 

Thanks in advance for any advice

 

1

Presumably, she has paid the premium so should be no problem whatsoever.   Hopefully, she is insured with a reputable insurer and not through some dodgy agent using some Mickey Mouse Insurer?

[foxfanazer]

50 minutes ago, mozartfox said:

Presumably, she has paid the premium so should be no problem whatsoever.   Hopefully, she is insured with a reputable insurer and not through some dodgy agent using some Mickey Mouse Insurer?

She’s with Go Skippy, couldn’t really sound more Mickey Mouse but I don’t know 

[Milo]

I don't think it matters much if they are reputable, or not, tbh. 

 

I'm with AA and am still waiting for a payout from my stolen car nearly 2 months later. No hire car either for stolen vehicles, apparently (small print) so have been carless for a couple of months. 

 

Hope you're ok and get yours sorted, should be fine, although be prepared for hikes in your premiums - and happy birthday!

[mozartfox]

1 hour ago, foxfanazer said:

She’s with Go Skippy, couldn’t really sound more Mickey Mouse but I don’t know 

Go Skippy is a broker and upon their checking their web-site, they seem OK.    Not wishing to open myself up to a raft of insurance-related problems, (I am  a Chartered Insurance Broker by profession, but specializing in Ocean going ships not cars!), but if you find yourself being led a merry dance then PM me and I will try to help.  

[yorkie1999]

6 hours ago, mozartfox said:

Go Skippy is a broker and upon their checking their web-site, they seem OK.    Not wishing to open myself up to a raft of insurance-related problems, (I am  a Chartered Insurance Broker by profession, but specializing in Ocean going ships not cars!), but if you find yourself being led a merry dance then PM me and I will try to help.  

That's interesting. Do they get no-claims bonus's on ships and is it cheaper if you have a tracker and an immobilizer fitted?

[stripeyfox]

2 minutes ago, yorkie1999 said:

That's interesting. Do they get no-claims bonus's on ships and is it cheaper if you have a tracker and an immobilizer fitted?

Only if you keep it on your driveway overnight! 

[mozartfox]

1 hour ago, yorkie1999 said:

That's interesting. Do they get no-claims bonus's on ships and is it cheaper if you have a tracker and an immobilizer fitted?

Yes and Yes.   Ships are similar in many ways to many of the players our illustrious scouting team identify for purchase - they sink without a trace.

[stripeyfox]

17 minutes ago, mozartfox said:

Yes and Yes.   Ships are similar in many ways to many of the players our illustrious scouting team identify for purchase - they sink without a trace.

Do they get stolen (other than by pirates)? 

[mozartfox]

Not often stolen! But the Somali Pirates are still active taking ships for ransom 

 (except during the AFCON when they are glued to the wide-screen TV’s.)

 

Some of the Somali Pirates are ex Football Agents, the one working for Evans is definitely a former Pirate.