Insurance clame surprise

Cymrudragon · 27th November 2009, 16:09

Something i did not know my mate had his car door hit by a woman opening her door in tesco, after the woman gave a load of verbal to him, he contacted the law and insurance company both said nothing we can do it's knock for knock and is private property. and i know this for a fact (as i have) if you hit a car parked on yellow lines it is deamed there fault because they are illegaly parked (so dont park on yellow's) and if you put modifacation's on the car without informing the insurance company and have a accident your insurance is void, as you have not informed the company to the mods. even the makers name on the reg plate must be visable,as this is a offence not to and a £60 fine me thinks.

whyte850 · 27th November 2009, 16:39

Quote:

Originally Posted by cwmrudragon

Something i did not know my mate had his car door hit by a woman opening her door in tesco, after the woman gave a load of verbal to him, he contacted the law and insurance company both said nothing we can do it's knock for knock and is private property. and i know this for a fact (as i have) if you hit a car parked on yellow lines it is deamed there fault because they are illegaly parked (so dont park on yellow's) and if you put modifacation's on the car without informing the insurance company and have a accident your insurance is void, as you have not informed the company to the mods. even the makers name on the reg plate must be visable,as this is a offence not to and a £60 fine me thinks.

It just shows you how carefull you have to be, as it stands I would be liable to pay the £60 fine for the number plate fault

calibrax · 27th November 2009, 16:41

In regard to the supermaket car park... yes, it is private property, but it's accessible to the public, so the insurance is still valid. Same applies to the M6 toll road.

Think about it... if private property isn't covered, then whenever you park your car on your driveway, it would be uninsured...

Devilish · 27th November 2009, 19:50

On a supermarket car park you are not required to have insurance by law. as cwmrudragon was told by the law and the insurance company "Nothing to do with us". End of story.

RTA 1988 sec 143 states you must have insurance in a public place or a highway. A supermarket car park is open to the public but it is private property. It is neither a public place or a highway.

Wherever the law states you have to have insurance, an insurance company cannot say "You are not covered" if the law says you are.

If an insurance company says "You are not covered" then you have no insurance, and do not need it by law, whether you have a valid policy or not.

M6 Toll is privately owned but it is a highway, and a highway rquires insurance by law

calibrax · 27th November 2009, 19:56

Quote:

Originally Posted by Devilish

On a supermarket car park you are not required to have insurance by law.

RTA 1988 sec 143 states you must have insurance in a public place. A supermarket car park is open to the public but it is private property

Wherever the law states you have to have insurance, an insurance company cannot say "You are not covered" if the law says you are.

If an insurance company says "You are not covered" then you have no insurance, and do not need it by law, whether you pay them or not.

Any place accessible to the general public is defined as a public place. So regardless of the land being privately owned, the fact that other members of the public can access it means you have to have insurance by law. Believe me, there is plenty of case law on this.

Raistlin · 27th November 2009, 19:59

Quote:

Originally Posted by Devilish

On a supermarket car park you are not required to have insurance by law.

RTA 1988 sec 143 states you must have insurance in a public place. A supermarket car park is open to the public but it is private property

Steve, you have a PM.

calibrax · 27th November 2009, 20:10

Quote:

Originally Posted by Raistlin

Steve, you have a PM.

No I haven't...

Raistlin · 27th November 2009, 20:12

Quote:

Originally Posted by calibrax

No I haven't...

Other Steve,Steve

as in Devilish

calibrax · 27th November 2009, 20:17

Quote:

Originally Posted by Devilish

On a supermarket car park you are not required to have insurance by law. as cwmrudragon was told by the law and the insurance company "Nothing to do with us". End of story.

No. The police will not get involved in a minor incident like that where no crime has been committed. And the insurance company was in error.

Think about how many incidents there must be in UK supermarket car parks... if these weren't covered, there would be a thriving market in additional insurance policies to cover you for this. These insurance guys wouldn't miss a money making trick like that now, would they?

Devilish · 27th November 2009, 21:22

So if my car gets whammy'd by some dimwit with their car door, and the law and the insurance company say "Nothing to do with us" it is private property, you can take the insurance company to court to pay up for gross ********

This is indeed great news, sometimes it is great to be wrong

So it is supermarkets r us over christmas for me, I do hope someone hits my rear bumper, it so needs a re spray (no joke)

27th November 2009, 16:09	#1
Cymrudragon I really should get out more....... MGZTT2.5 V6 190+ SE 2002 Join Date: Oct 2009 Location: Gilfach-goch Posts: 2,201 Thanks: 0 Thanked 8 Times in 4 Posts	Insurance clame surprise Something i did not know my mate had his car door hit by a woman opening her door in tesco, after the woman gave a load of verbal to him, he contacted the law and insurance company both said nothing we can do it's knock for knock and is private property. and i know this for a fact (as i have) if you hit a car parked on yellow lines it is deamed there fault because they are illegaly parked (so dont park on yellow's) and if you put modifacation's on the car without informing the insurance company and have a accident your insurance is void, as you have not informed the company to the mods. even the makers name on the reg plate must be visable,as this is a offence not to and a £60 fine me thinks.

27th November 2009, 16:41	#3
calibrax Posted a thing or two BMW 4 Series Join Date: Nov 2008 Location: Rochester, Kent Posts: 1,975 Thanks: 29 Thanked 37 Times in 28 Posts	In regard to the supermaket car park... yes, it is private property, but it's accessible to the public, so the insurance is still valid. Same applies to the M6 toll road. Think about it... if private property isn't covered, then whenever you park your car on your driveway, it would be uninsured... __________________ Steve 2004 MG ZT+ CDTi 160 (sadly now gone!) 2015 BMW 435d GranCoupe XDrive Last edited by calibrax; 27th November 2009 at 16:44..

27th November 2009, 19:50	#4
Devilish Been round the block 75 Tourer Join Date: Apr 2009 Location: Cannock Posts: 4,125 Thanks: 3 Thanked 189 Times in 121 Posts	On a supermarket car park you are not required to have insurance by law. as cwmrudragon was told by the law and the insurance company "Nothing to do with us". End of story. RTA 1988 sec 143 states you must have insurance in a public place or a highway. A supermarket car park is open to the public but it is private property. It is neither a public place or a highway. Wherever the law states you have to have insurance, an insurance company cannot say "You are not covered" if the law says you are. If an insurance company says "You are not covered" then you have no insurance, and do not need it by law, whether you have a valid policy or not. M6 Toll is privately owned but it is a highway, and a highway rquires insurance by law __________________ If at first you don't succeed, hide the evidence Last edited by Devilish; 27th November 2009 at 20:06..

27th November 2009, 21:22	#10
Devilish Been round the block 75 Tourer Join Date: Apr 2009 Location: Cannock Posts: 4,125 Thanks: 3 Thanked 189 Times in 121 Posts	So if my car gets whammy'd by some dimwit with their car door, and the law and the insurance company say "Nothing to do with us" it is private property, you can take the insurance company to court to pay up for gross ******** This is indeed great news, sometimes it is great to be wrong So it is supermarkets r us over christmas for me, I do hope someone hits my rear bumper, it so needs a re spray (no joke) __________________ If at first you don't succeed, hide the evidence Last edited by Devilish; 27th November 2009 at 21:27..