[Closed] Anyone claimed off MIB for uninsured driver?

I would try the police again, leaving the scene of an accident should be taken more seriously than that. Be more persistent with them

I'd just use own insurance, as if following most insurers policy you should declare any incidents at renewal time so will get hammered anyway so might as well have it repaired properly, let them deal with who funds it, is what you pay insurance for.
If he's left the scene of accident and being this dodgy, what exactly do you expect to achieve turning up at his place, except maybe abuse or assault?

There's a lot to unpick here. The short version is, "this is why you pay for insurance."

I'll think about a longer response when it's not 1am.

^^---- This, both bits, especially the first bit. That's why you have insurance.

Pester the police until they act. These arseholes need removing from the roads.

Definitely pester the police ut in the meantime a couple of clicks here won't take you long
https://contact.dvla.gov.uk/report-untaxed-vehicle

Inform your insurance and claim from them.

Unfortunately, the MIB only cover you if you have 3rd party insurance, if you have fully comp (like I did) then you have to claim through your insurance.
Though the MIB may refund your excess.

I 'think' your insurance co will try to reclaim from the uninsured driver, and if not MIB will cover their losses.

Shouldn't effect your premiums too much as it's a non-fault incident.

IANAIB but this is based on my experience with an uninsured driver last year.

1. It's going to cost you anyway come renewal, as you have to declare incidents.
2. This is what your insurance is for.
3. Turning up on a dodgy blokes doorstep with a large bill may not be the brightest of moves.
4. Holding on to his phone and keys is theft.

I had similar. I was fully comp. The nicked car that crashed into my parked car was uninsured.

My premiums went through the roof.

Speak to a solicitor, free inititial consultation

I got hit by an uninsured driver, he gave me his contact details and fake insurance certificate at the scene. Police and my insurance company were both useless, save yourself the hassle and make the claim on your insurance and get on with your life. On renewal my insurance company wanted 50% more (I had protected no claims), shopped around and got it for for the same price as previous year. My claim was regarded as my fault as I correctly informed My insurance company that the other driver had left their lane on a dual carriageway, which apparently unless they admit to it (uninsured driver now in the wind) goes down as a 50/50 as a minimum.

The first question the MIB will ask is "what did your insurance company say?", so I don't think not declaring it will help.

Keep pushing the police on it.

I had similar. I was fully comp. The nicked car that crashed into my parked car was uninsured.

My premiums went through the roof.

The exact reason why I posted this. I've been here before 20 years ago and got walloped, despite being non fault.

1. It’s going to cost you anyway come renewal, as you have to declare incidents.
2. This is what your insurance is for.
3. Turning up on a dodgy blokes doorstep with a large bill may not be the brightest of moves.
4. Holding on to his phone and keys is theft.

1. *accidents - we have not had an accident. Someone has damaged our car and it is always our option to claim or not claim from insurance.
2. See above.
3. Crashing into someone else's car, leaving your phone and keys at the scene isn't either, but hey if I get his address info then I can make that assessment and make a decision as to whether I approach him, or indeed find evidence of him driving his car and get an opportunity for the Police to catch him driving it and get it taken off him.
4. Police have actually told me to keep hold of them. I didn't steal them, they were given to me by witnesses.

Please, don't ever do jury service.

MIB are there to help you recover uninsured losses from an uninsured driver. If you have comprehensive cover you either claim from your insurers and lose no claims or pay for it yourself - but you still have to declare the incident.

Seems the world around no claims and no fault accidents has got blurred by the new "your no claims is protected if its an uninsured driver" offers. Back in simpler times you lost your no claims unless the insurers recovered their costs in full. Simples. But harsh.

I know what I'd do with the phone and keys!

1. *accidents – we have not had an accident. Someone has damaged our car and it is always our option to claim or not claim from insurance.

Quite correct. You still have an obligation to tell them either now or, dependent on the company, before renewal. Safe option; tell them now.
You haven't had an accident but it is an incident leading to loss. This what Direct Line say, "Any incidents, thefts or losses, even if they didn’t claim or were not to blame"

I can make that assessment and make a decision as to whether I approach him, or indeed find evidence of him driving his car and get an opportunity for the Police to catch him driving it and get it taken off him.

This is a job for the police, from the start. It'll be good to have a reference number for your insurer.

Police have actually told me to keep hold of them. I didn’t steal them, they were given to me by witnesses.

You'll have a Property Other Than Found reference number then?

Get back onto the police and your insurer

You were involved in an accident, unless you were driven into deliberately and there’s more to this story than you’re letting on. You will need to inform your insurance company.

Right.

I don't believe you can simply "claim from MIB" and dodge any insurance penalties. If you could, everyone would do it and there would be no point in having a Comprehensive policy. Rather, the MIB is there for when you cannot make an insurance claim.

You seem to want to claim on insurance without notifying your insurer. That sounds fraudulent to me? Either way, it's on you of course but with most policies you're obliged to tell them regardless of whether or not you're claiming (which is madness but here we are).

If "they’ll just replace the whole back end of the car" then one would assume that the whole back end of the car does, in fact, need replacing. Have you had anyone look at the damage, got any quotes? Ultimately you / the Mrs will be the one dictating what work if any is carried out.

If "in reality a smart repair will do" then get that done, pay for it out of your own pocket. If you can afford an "expensive" "high-end convertible" as a work vehicle(!) then a chips-away type service should be pocket change for you. It's likely lower then your insurance excess anyway so there would be little point in claiming.

Be aware however that modern bumper systems are designed to crush internally on impact to absorb a blow - once. If this is what's happened and you're planning on bodging it then, well, if it happens again at speed I hope she has life insurance.

Of course the police aren't going to give you his details. What did you expect? For all they know, you're planning on turning up on his doorstep mob-handed to give him a shoeing (or worse given they know you're in possession of his house keys). Given that you say you'll be "popping by his house with the bill" if you do get his details, what are your next steps if he tells you to stick it up your arse?

You seem to want to claim on insurance without notifying your insurer.

Absolutely not and I'm not sure how you even come up with that, given what I've written. We have a £50k car that costs a bomb to insure due to it's insurance group, value and probably our postcode as it's the same as the shithole town nearby that is full of uninsured drivers ad 4 cars were taken in one night in our street via keys a few year ago. Despite having 9 years NCD, the Mrs has to absolutely trawl the market every year to get something half reasonable.

I've been here before when I scraped someone's stationary car in a petrol station with my trailer, the real world damage was about £500 which I offered to pay. By the time she got her insurers involved it became a new door skin, half the car painted and two weeks for a hire car. It was a nine year old car and the insurance system absolutely fleeced it for every penny they could and I lost two years no claims.

I was knocked off my motorbike in 2007 and again, the claim was eye watering and 4 years later the insurers tried to sue me for the cost of the hire bike I had for the duration, the only way I got off with the £4k bill was because I didn't sign the hire agreement for the bike when it was delivered. They also went 50/50 on my behalf and I lost my two years NCD which meant I had to sell my bike as it was uninsurable, despite the accident being none of my fault.

I'm trying to work out whether it's just as easy to fox it ourselves using a local body shop who will fix the scuff, put the trims back together and weld the back of the bumper and fix the small split instead of a whole new bumper which is OTT.

Be aware however that modern bumper systems are designed to crush internally on impact to absorb a blow – once. If this is what’s happened and you’re planning on bodging it then, well, if it happens again at speed I hope she has life insurance

Agreed and upon a quick inspection at the crush bar and packing, it's all totally A1. But point taken.

Of course the police aren’t going to give you his details. What did you expect?

He's committed a crime, we have FOUR witnesses and we have a legitimate reason for his details for civil recovery purposes.

Given that you say you’ll be “popping by his house with the bill” if you do get his details, what are your next steps if he tells you to stick it up your arse?

Then, A) I know that it is him and where he lives, B) I have an address to file a CCJ to C) I can keep tabs on whether he's still driving his uninsured, untaxed and MOT'd car and notify the Police when he does.

You were involved in an accident, unless you were driven into deliberately and there’s more to this story than you’re letting on. You will need to inform your insurance company.

It wasn't an accident at all. Someone whilst reversing, hit our car. As much as he's an uninsured low life, he was just reversing out of his space when he did it.

Why do you say there's more to this story than I'm letting on? Again, I'm genuinely dumbfounded as to why you come up with that.

https://mobile.twitter.com/_DHOTYA 😉
RM.

https://mobile.twitter.com/_DHOTYA 😉
RM.

What does that even mean?

I would say that considering you have already contacted the police, you have gone down a path where you now have to declare it on your insurance, so you might as well go for a full claim and complete repair to your car.

You could try getting an online insurance quote using bogus information (different name, another house on your street with same car) and enter the claim to see what the premium would be.

It's always crap when something like this happens. Something similar happened to my Mrs 2 weekends ago, but the car that hit her in the car park was insured. Long story short, in my view the correct course of action is reporting the incident to the police which you've done then reporting it to your insurance company who will then arrange repairs and claim off the MIB for you as the other driver is uninsured. Your car will get repaired and then it should go down as a not at fault accident. Job jobbed. Or if it is just cosmetic / chips away type stuff then pay for it yourself. Ours looked so much better once I'd been out with the polishing cloth but there's still a patch of paint missing and a dent to sort - so it goes in to the bodyshop next week.

It wasn’t an accident at all.

I think you're being pedantic and creating a huge potential liability for yourself. It will be a condition of your insurance policy that you inform them of events of the kind that happened, however it's worded. If you don't, and they find out, they can invalidate the policy leaving you uninsured.

Apart from that, given that the driver that hit your car didn't do it deliberately, it WAS an accident.

UPDATE:
Just spoke to the Police again, the detail that I missed is Lancashire Police have a policy of not pursuing accidents where there was no injury. So despite there being a crime committed, they have effectively turned this into a civil issue by saying I should pursue the other driver through insurance/civil courts.

He confirmed he has their info and could potentially release it, but wasn't convinced I'd done my research enough by quoting 'under Section 35 of the DPA'..

I can’t believe you are considering anything other than a MB authorised repair on a £50k car.

Just spoke to the Police again, the detail that I missed is Lancashire Police have a policy of not pursuing accidents where there was no injury.

That isn't wholly true...

"Road Traffic Collision (RTC) If drivers have exchanged insurance details and nobody is injured, no police action will be required, please call your insurance company to report the incident" https://doitonline.lancashire.police.uk/PEDisclaimer/Create

Why do you say there’s more to this story than I’m letting on? Again, I’m genuinely dumbfounded as to why you come up with that.

aren't you the fella who tried pulling a fast one on Ling and got completely pwned.

It wasn’t an accident at all. Someone whilst reversing, hit our car.

If that's not an accident what is it exactly?

As above though, this isn't what the MIB is for, it's exactly what your insurance is for.

The reason your insurance is expensive is that you live in an area where this sort of accident happens and where there's a shithole town nearby that is full of uninsured drivers ad 4 cars were taken in one night in our street via keys a few year ago

aren’t you the fella...

More recently I seem to recall him suggesting he was going to go to some miscreants' house and sort them out. A bit like this thread really.

It was a nine year old car

if you scraped my 18year old Volvo the outcome would have been the same - just because it isnt a 50k car doesnt mean it shouldn't be in the condition it was in before you dragged a trailer past it.

The reason your insurance is expensive is that you live in an area where this sort of accident happens and where there’s a shithole town nearby that is full of uninsured drivers ad 4 cars were taken in one night in our street via keys a few year ago

I was going to type that almost word-for-word. The reason OP's insurer wants to know about these incidents / losses (or 'accidents', since presumably they occurred accidentally) is so they can adjust the premium against the risk. If their car sits on a leafy driveway in a posh area and never moves, it's a lower risk to insure than if it gets driven loads and left in places with a high likelihood of some ne'er-do-well bumping/nicking it.

@OP It sucks but it's the way of the world, and unless you are planning to commit fraud (unwise since you have now signalled this on an internet forum) you need to tell your insurer.

The offender's actions and the police response are maddening, though, so you have my sympathy (to an extent).

Pester the police until they act. These arseholes need removing from the roads.

Harsh, but fair. They are doing their best with limited resources though 😉

@OP It sucks but it’s the way of the world, and unless you are planning to commit fraud (unwise since you have now signalled this on an internet forum) you need to tell your insurer.

The offender’s actions and the police response are maddening, though, so you have my sympathy (to an extent).

^ This.

You are pushing water uphill OP.

If you can afford a high value car in an area with high insurance premiums, then surely you have protected no-claims or understand that the insurance can get pricey?

He’s committed a crime, we have FOUR witnesses and we have a legitimate reason for his details for civil recovery purposes.

And this is what an organisation who have proper data protection, stick to legal process and all sorts of relevant policies and procedures in place. Perhaps something like, and I am just speculating here, an insurance company?

It wasn’t an accident at all. Someone whilst reversing, hit our car.

Do tell us, what was it then?

Just spoke to the Police again

What did they say about returning the phone and keys?

Why do you say there’s more to this story than I’m letting on?

No-one is. Your story indicates an accident, in an area by your own admission where you observe a lot of illegal drivers, and which is best resolved by your insurers. This is the best, and really only, course of action.

Please, don’t ever do jury service.

I haven't yet been called. If however I am, I will be happy to stick too the way the law and process works.

You may have to take this on the chin with your insurance - many won't let it affect your no-claims as a non-fault or un-insured driver, but premiums will go up for a costly car.

My son is having a nightmare with LV - a truck in front of him shat it's prop shaft, hit sons car and a number of others. Truck company being an arse too.

Let the insurance sort it for a slightly less stress free life. I would want a proper repair on a relatively new expensive car - especially if leased - they will sting you if not repaired properly.

Truck company being an arse too.

I wonder if all their maintenance schedules have been followed to the letter. These things usually highlight shoddy work practices and land the business owners in the dock. Not saying prop shafts don’t just shit themselves, but usually a good reason behind it

Absolutely not and I’m not sure how you even come up with that, given what I’ve written.

It's literally your opening sentence. You want to make an insurance claim without telling your insurers. Let us know if it works out for you, I wouldn't mind some of that free money myself.

We have a £50k car that costs a bomb to insure etc etc

You can afford to get it fixed then. What are you complaining about?

He’s committed a crime, we have FOUR witnesses and we have a legitimate reason for his details for civil recovery purposes.

No you don't. Your insurance company does. You do not need this fella's home address and you will hopefully be blocked from discovering it at every turn, with good reason.

Then, A) I know that it is him and where he lives, B) I have an address to file a CCJ to C) I can keep tabs on whether he’s still driving his uninsured, untaxed and MOT’d car and notify the Police when he does.

A) So what? What do you intend to do with this information?
B) I'm sure the courts will be able to work it out without your intervention. There are - shockingly I know - procedures in place to facilitate this.
C) Also not your concern.

--

Lancashire Police have a policy of not pursuing accidents where there was no injury.

That's correct in and of itself, a routine shunt is not a police matter. But that's not what you're asking. Rather, fleeing the scene of an incident is a crime that they should be pursuing.

My brother had the same thing happen to him once - drunk+no insurance driver bounced off 4-5 cars on their street. His insurance company claimed from the MIB but i'm not sure on any excess or if his premium went up. Took some time to sort out, if I remember.

Was hoping for more alien invasion content.

I can’t believe you are considering anything other than a MB authorised repair on a £50k

It's a 4" split in the top of the bumper and a bent exhaust tip. Absolute basics of bodyshop stuff. We had alloy wheel insurance with Mercedes and the first scuff they sent out Chips Away who wanted to dremel drill the surface and spray the damage. We paid to have them done properly on a diamond cutter, which was in the back of a Luton van. MB don't have particularly high standards.

If you can afford a high value car in an area with high insurance premiums, then surely you have protected no-claims or understand that the insurance can get pricey?

Both Mrs and I are both Ex company car drivers and are in the process of building NCD, protecting the NCD isn't an option yet.

It’s literally your opening sentence. You want to make an insurance claim without telling your insurers.

I've not once said I want to make an insurance claim without telling our insurers, how is that even possible? I asked if anyone has used MIB and at that point I was totally unaware of how it works. I've since found (via a comment on this thread) that I can't claim through MIB and have to through insurance.

The sole purpose of this post was to weigh up whether the cost of the repair LESS our excess is worth the risk of an increased premium vs self funding the repair ourselves...

You can afford to get it fixed then. What are you complaining about?

We can, I'm not complaining, again, I've come to here for some advice. My complaint is more about the lack of respect from the dkhead who damaged our car, I can forgive the Police for being data anal.

No you don’t. Your insurance company does.

Wrong, wrong and still wrong. I've rang them today anonymously and they've told me on this sort of instance I DO NOT have to declare anything that's not being claimed for. Just in the same way I didn't have to declare them when we've had the wheels re-cut after scuffing them or re-dying the roof after the neighbour ruined it with a Stihl saw dust.

if you scraped my 18year old Volvo the outcome would have been the same – just because it isnt a 50k car doesnt mean it shouldn’t be in the condition it was in before you dragged a trailer past it.

Totally agree, however, it's not to be used as an opportunity to refresh the rest of the car and cover up other damage not related to the incident, which was blatantly the case in my example.

aren’t you the fella who tried pulling a fast one on Ling and got completely pwned

*owned

Yes it was me, and no I wasn't owned. After thousands of replies and lots of too-ing and fro-ing it emerged that she tried to imply that the car was a special order, when it wasn't, it was already in the build schedule and legislation was unearthed to point out to her that a car with a list of options to select is not a special order. It also showed her terms of business were also unfair (at that time), but well done for bringing it up, it was only 5 years ago.

His insurance company claimed from the MIB but I'm not sure on any excess or if his premium went up. Took some time to sort out, if I remember.

That's a good reply, thank you , however, we had just about agreed to buy a new car the day before and this incident has scuppered that for now.

Holy quotes, batman.

Wrong, wrong and still wrong. I’ve rang them today anonymously and they’ve told me on this sort of instance I DO NOT have to declare anything that’s not being claimed for.

Out of interest, who is the insurer who said it didn't need to be told?

Out of interest, who is the insurer who said it didn’t need to be told?

I'm interested to know who the insurer is too. It's a smidge unusual (although not impossible) to not be asked to declare 'losses' which this would potentially categorise as.

I’ve not once said I want to make an insurance claim without telling our insurers, how is that even possible?

Again - it's literally the start of your OP.

"If you claim from MIB will it affect your own insurance? We’ve had about £800 of damage to the car, but really don’t want our insurance involved."

What on earth do you want then?

The sole purpose of this post was to weigh up whether the cost of the repair LESS our excess is worth the risk of an increased premium vs self funding the repair ourselves…

Such an important sole purpose that you didn't mention it once until just now.

Wrong, wrong and still wrong

You're seemingly replying to an entirely different statement from the one you've partially quoted here. I was talking about you (not) needing his address. The only reason you would need his address is if - and again, you said this in your OP - you were planning to "be popping by his house with the bill."

The only way I can see that course of action having a positive outcome is if a driver who has fled the scene of an accident suddenly has an attack of conscience, and your good self is able to keep to a straight story. Both of which seem somewhat unlikely.

You have the vehicle details, therefore your insurers have a third party to claim against (and a legitimate cause to request keeper information from DVLA). Ergo, it shouldn't affect your NCD. Your premium may go up slightly next year, but that's what Compare the Market is for. If you're still dead set against using your insurers then you'll have to get your hand in your pocket I'm afraid.

And you’ll still have to tell them come renewal time because the repair may affect the insured value.

Such an important sole purpose that you didn’t mention it once until just now

My apologies for not being clear on a subject that I had no experience of, hence why I asked the question. If I knew how MIB worked then I wouldn't have asked the question...

I'll try and research the answer to a question before I ask a question next time, just so I can make my question pedantically obvious to all.

And you’ll still have to tell them come renewal time because the repair may affect the insured value.

That's affected by depreciation anyways, having a high quality repair done on the car won't affect it, in the same way if someone had their alloys scuffs cleaned up. It's a Mercedes E Class not a McLaren.

The only way I can see that course of action having a positive outcome is if a driver who has fled the scene of an accident suddenly has an attack of conscience, and your good self is able to keep to a straight story.

I now have found where he lives and I'm meeting him this afternoon. He clearly swapped his virtual sim over on Sunday from the phone I had as it stopped ringing, so I text him saying I'd found his phone and been texting with him arranging with him to meet him to retrieve his phone.

During this dialogue he's let slip his location and hey presto, I drove there last night and being sceptical me, I profiled exactly where I'd find an uninsured, un-taxed, non MOT'd car and found it parked outside his house, it took me literally 10 minutes to find it. Once DVLA send back keepers details it should confirm it.

Both of which seem somewhat unlikely

You just can't help but get personal on my posts? Does it give you some sort of boner to continually personally attack me? 2 year ago you where the great guy who formatted my PC for me, but now you just have continual digs, make me out to be some sort of charlatan who's stitching people up and dodgy. It's draining mate, I've never stitched anyone up in my life and ONLY YOU seem to turn my posts into an episode where I feel attacked for trying to do the right thing.

Well here's a dilemma that you can advise me on:

In the absence of any help from the Police, I've been a bit shrewd and text the guy as he knows I have his phone, he wants it back. He's agreed to meet me tonight to handover his phone (he doesn't know I have his keys). I' genuinely curious as to why he wants a £130 Argos phone back that's got a knackered screen, so I'm thinking it may have dodgy content.

My natural temptation is to tip off the Rozzers and tell them an uninsured driver will be meeting up with me, in a car that's had no tax or MOT for nearly a year.

As you've turned this into a scenario that I'm clearly an insurance fraudster who's trying to evade a claim and such a slippery customer, what would you do??

I think I should tip the Police off, get an uninsured driver off the road and then ask him to confirm his details and give him an opportunity to offer some sort of agreement to pay back the money?

I get the impression you're going to suggest I should apologise to him, give him some money for his fuel and tell him not to worry, I'm going to claim off our own policy for a £600 repair which means we'd lose £400 excess and 2 years NCD, meaning next year we'll be paying even more than we do now.

Please enlighten me, without shitty digs and judgement.

In the absence of any help from the Police, I’ve been a bit shrewd...

I pointed out yesterday that their policy IS to take report in your circumstances, “Road Traffic Collision (RTC) If drivers have exchanged insurance details and nobody is injured, no police action will be required, please call your insurance company to report the incident”

Report the incident to Lancs Police because you HAVEN'T been able to exchange insurance details. If they don't help you then complain on a public forum.
A report will also save you the dilemma of whether to "tip off the Rozzers" and you can genuinely say that you've been a bit shrewd

My apologies for not being clear on a subject that I had no experience of, hence why I asked the question.

You don't need experience of a subject to form a coherent question and not go "surprise, I meant something totally different all along!" halfway through the discussion.

Does it give you some sort of boner to continually personally attack me?

Continually? Dunno where you get that from. I'm not "personally" doing anything, I'm an equal opportunities grump. Rather here I'm trying to unpick your web of contradictory posts to work out what you're actually trying to achieve.

ONLY YOU seem to turn my posts into an episode where I feel attacked for trying to do the right thing.

I'm sorry you feel that way but from this thread alone it's demonstrably untrue.

Well here’s a dilemma that you can advise me on:

This will have to be a follow-up post, I have a work meeting. Hold the line please, caller.

without shitty digs and judgement.

Actually, I'll give you that. I was out of order, sorry.

Any news on the 'meet up' ? I guess he doesn't know you are the owner of the car that got damaged. This could be interesting !

Life’s too short for this thread to continue, it’s clear he can either get a local repair and declare/not declare, or put in an actual claim with his insurers.

This could be interesting

Especially so if it gets pranged in the car park.
Though for the sake of Mick's blood pressure I hope not.

He’s agreed to meet me tonight to handover his phone (he doesn’t know I have his keys). I’ genuinely curious as to why he wants a £130 Argos phone back that’s got a knackered screen, so I’m thinking it may have dodgy content.

I guess he doesn’t know you are the owner of the car that got damaged.

And for the sake of Mick I hope it doesn't turn out that's wrong and that he is a proper scumbag with similar disregard for Mick's health to his car.

I for one wouldn't be going.

Any news on the ‘meet up’ ? I guess he doesn’t know you are the owner of the car that got damaged. This could be interesting !

He bailed on me last night, so after finding his car and address, I whatsapped him a photo of his car. He's coughed up, sent me a text asking to come over after work to discuss and make an arrangement.

He's due in half hour...

Sounds interesting....

[img] [/img]

asking to come over after work to discuss and make an arrangement.

He’s due in half hour…

Well you're a braver man than me. I'd fully expect "him" to turn out to be seven people of the sort you'd expect to offer to tarmac your drive or sell you something wrapped up into rectangular blocks with clingfilm and tape, squashed into the back of his uninsured car who then suggest I crashed into him.

Or sausages in my lawn if I really annoyed them.

Well you’re a braver man than me. I’d fully expect “him” to turn out to be seven people of the sort you’d expect to offer to tarmac your drive or sell you something wrapped up into rectangular blocks with clingfilm and tape, squashed into the back of his uninsured car who then suggest I crashed into him.

He knows I have the keys to his house and car.

He knows I have the keys to his house and car.

I'm in no way sure that makes it better.

He’s due in half hour…

Can you live stream? This could go viral...

Can you live stream? This could go viral…

A la Tommy Robinson style 😂😂

He's been, had the brass neck to turn up in his car that's still not insured. He's admitted in a text his 'real name' so makes me curious as to whether he's come instead of the culprit. He also started to inspect the front of the car, when I pointed out he hit the back he looked confused.

I'm now dubious as to whether he's the actual driver.

Pointed out to him the bumper is £870 + respray, labour etc and we're happy to have it repaired by a panel beater we know who is excellent, for the £500 he's quoted.

He seemed really appreciative and agreed it was a fair cost now he's seen the damage under the cold light of day (his words).

He asked me if he can have til the end of the weekend to pay up, which we have and has said I'm fine to keep his phone/house/car keys until it's paid.

All of our discussions were discussed directly under a CCTV camera and his car is in view too.

Still dismayed at he's more than happy to drive about in an uninsured car with the full confidence he'll probably not get nabbed of the Police.

Still dismayed at he’s more than happy to drive about in an uninsured car with the full confidence he’ll probably not get nabbed of the Police.

Galling isn't it 🙁

We’ve had about £800 of damage to the car

Pointed out to him the bumper is £870 + respray, labour etc

we’re happy to have it repaired by a panel beater we know who is excellent, for the £500 he’s quoted.

So which is it?

You criticised me for being "personal" but your explanation is all over the place. All this drama and faff for what, a couple of hundred quid cash over your insurance excess on a £50k motor?

One thing I think we can all take away from this is that if you can't afford to insure your "high value convertible" then you shouldn't have bought it in the first place.

But some people have "different" priorities I guess.

(And carrying out a cheap repair on an expensive car is not really a good idea)

One thing I think we can all take away from this is that if you can’t afford to insure your “high value convertible” then you shouldn’t have bought it in the first place.

If I'm not mistaken it's an EV and none of them come cheap, eventually that's a leap we're all going to have to make if we want a "car" and we'll all need to deal with the insurance on a 40k corsa.

Also insuring cheap cars isn't necessarily cheaper, it can be more expensive and the chance of the car getting written off by the insurance company goes up so the op could very easily be in a worse place, not better if it a 5k car. As ever, it's not black and white.

Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.

Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.

This applies to literally all car enthusiasts lol

the op could very easily be in a worse place, not better if it a 5k car.

You mean apart from the £45k extra he paid (or the equivalent monthly payments)?
So, actually, no.

I have a Porsche, a golf and a fiesta (all bought and paid for) - I can guarantee that the fiesta is the cheapest to keep on the road and the Porsche is the most expensive.
The point I'm making is that people should look into all the running costs before buying a{n expensive} car.

(Especially if they live in an area where that vehicle may bea bigger target)

Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up.

Always turns out rosy in the end though, against all odds.
RM +1

You deliberately had a scroat come to your house in his uninsured shitbox and you're arsing about for £500 of his cocaine/weed profits.
Braver than me.

You criticised me for being “personal” but your explanation is all over the place. All this drama and faff for what, a couple of hundred quid cash over your insurance excess on a £50k motor?

To be fair to you, it has been a bit all over the place as when I first quoted £800 that was a guess by me for a repair. Our mate has now given an estimate of £500 to repair the bumper and respray it etc. The £870 is the cost for a brand new bumper form Mercedes which would need resprayed and all the ancillaries such as trims, reflectors, exhaust tips, sensors etc. An insurance job would easily be heading towards £2k. For reasons previously stated, I don't want a £2k claim on record for something that can be done for less.

One thing I think we can all take away from this is that if you can’t afford to insure your “high value convertible” then you shouldn’t have bought it in the first place.

But some people have “different” priorities I guess.

(And carrying out a cheap repair on an expensive car is not really a good idea)

LMAO! Who said we can't afford it? I've got a brand new £47k car and the Mrs has the car in question. What I'm trying to achieve is remove the risk of expensive car insurance becoming even more expensive because we've had a claim on our policy. As previously mentioned, we're both ex company car drivers an despite being near 50 and having no points, both cars are insured for full business use and we both don't have full NCD as for the last 4 years we've been building up our NCD.

When we 'compare the market' we get hideous quotes, so we both use specialist brokers and my whole point of this post, was to establish whether we get a repair direct from a bodyshop which is not much more than the excess we'd lose by using insurance.

It's not a cheap repair, the underside has been inspected today and it's good to be plasti welded behind the split and filled, resprayed. It's plastic bumper, none of the integrity of the nudge bar or styrofoam behind the bumper has been compromised.

Though I must say from the amount of grief the op seems to go through regarding cars I really have to wonder if he might not be better off giving them up

I do 30k a year, had no points for 15 years and not had a bigger claim than £2k, last one being 2007. The Mrs does 5k a year and this happened at a country park no more than a mile from home. You just can't predict when shit like this happens.

Always turns out rosy in the end though, against all odds.
RM +1

Despite the general consensus of opinion that I'm some sort of charlatan, I'm a very tenacious, fair person and have a conscience. The dialogue I've had with this guy today made me feel (now he's cornered of course) he is quite remorseful and genuine. I've given him the option to recompense us for a quality and sufficient repair instead of allowing the insurance bodyshop turn this into a massive lunch for them to dine out on.

You deliberately had a scroat come to your house in his uninsured shitbox and you’re arsing about for £500 of his cocaine/weed profits.
Braver than me.

I had to think long and hard about it, but once he coughed up he was very genuine, he's having a hard time and my thoughts were having his car seized and six points on his license won't help his situation. He knows i know where he lives, he said I was very generous is allowing him to take that option and knows not to abuse that generosity.

The next few days will tell.

RM +1

Still don't know what that means lol

Will you be informing your insurance company that you’ve been involved in an incident and had the car repaired yourself?

My natural temptation is to tip off the Rozzers and tell them an uninsured driver will be meeting up with me, in a car that’s had no tax or MOT for nearly a year.

he was very genuine, he’s having a hard time

He's not - he's a lying POS scum that's spun you a line. He shouldn't be driving a no doubt dangerous lump of metal on the roads that we/I cycle on - he's already done a hit and run and your encouraging this behaviour to save yourself a few quid.

Definitely pester the police ut in the meantime a couple of clicks here won’t take you long
https://contact.dvla.gov.uk/report-untaxed-vehicle/blockquote >

This was the right thing to do seeing as you'd figured where the car 'lives' - make our shared roads safer

TBH you're not much better than him only you have a fancy car and live in a better part of town. You can't untangle this now as you'll end up with a brick through your window when his weed delivery mobile gets impounded and he knows who and where instigated it. All to save a few quid to get a £50k car repaired properly rather a back street garage bodge.

 

My cousin reported an accident to MIB. They just cleaned up all traces and then erased his memory.

The dialogue I’ve had with this guy today made me feel (now he’s cornered of course) he is quite remorseful and genuine. I’ve given him the option to recompense us for a quality and sufficient repair instead of allowing the insurance bodyshop turn this into a massive lunch for them to dine out on.

Who made you the judge and jury? Remorseful or not he's driving about in an uninsured/untaxed vehicle without a single consideration for anyone else. As a responsible citizen you should be handing the whole matter over to the police. The fact that you are not doing this and trying to justify it by taking coming over all sympathetic to his situation because you are trying to outfox the system, makes you no better than him. You are literally prepared to overlook his illegal behaviour because you reckon it will save you a few quid. Very poor show IMO.

As a responsible citizen you should be handing the whole matter over to the police.

a) It was reported to the Police when it happened, who informed us they'd look for the car but wouldn't investigate as it's non injury.
b) he arranged to meet me on Wednesday night and I went to local nick to tip them off he'd be there and showed them his texts confirming he'd be in his car, they had the wrong registration despite being corrected previously, twice.
c) when he bailed from that meeting I rang them again to tell them not to come to that RVP and they still had the wrong registration, so they were looking for the wrong car anyways.

When I located his car at his house, that was in a different Police force. I spent 40 minutes on phone to 101 and they fobbed me off saying I had to report it to the other force who would have to take the lead and inform them.

So tell me I haven't done enough?

This was the right thing to do seeing as you’d figured where the car ‘lives’ – make our shared roads safer

See above.

The fact that you are not doing this and trying to justify it by taking coming over all sympathetic to his situation because you are trying to outfox the system, makes you no better than him.

The broker we use told us we are under no obligation to claim off the insurance. The police confirmed we do not have to claim off the insurance. There's NO law that stated we have to claim off insurance.

Here's some maths behind my decision:

with 5 years NCD (not protected) the policy costs £900 a year. If we claim AND we lose two years NCD then that policy next year will be well over £1600, who knows until that time comes, could be higher. Because of the business use we can't get competitive quotes from usual sources. So it's financially better to suffer the cost of a £500 repair to protect ourselves from an increased premium and next year our insurance should come down further, so in reality I'm probably saving £900, assuming the scrote pays back the £500.

You are literally prepared to overlook his illegal behaviour because you reckon it will save you a few quid.

See my first comment, his behaviour hasn't been overlooked at all.

Not sure anyone said you HAVE to claim via insurance but it has been highlighted that most companies require you to declare incidents, even if not claimed, at time of renewal which may well impact next premium so might as well have benefit if insurance dealing with it.
Also, as you've discussed with police already, do insurance companies get notification of this interaction? Could invalidate current or future policy due to non-disclosure

cb200 - very good.

Does anyone here think OP is going to declare this come renewal time? If so, I have a bridge for sale…

Anyone else getting Bucks Fizz vibes?