Flex Posted December 2, 2013 Share Posted December 2, 2013 Well this could be another classic thread or not as the case may be. If I left my car at a garage to have work done and it was stolen and subsequently it turned out they didn't have insurance would my own fully comp insurance cover me or would it be a case of making claim against the garage? Just out of interest really. Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted December 2, 2013 Share Posted December 2, 2013 I think you can do both. You can claim off your insurance as vehicle being stolen and loose your ncb & have your insurance rocket up by so much that you can no longer afford to insure anything other than a Fiat Panda. Or, you can put a small claims case against the garage for your loss. Quote Link to comment Share on other sites More sharing options...
Flex Posted December 2, 2013 Author Share Posted December 2, 2013 No claims protected though or is it different for a complete loss? Quote Link to comment Share on other sites More sharing options...
Ewen@Clark Motorsport Posted December 2, 2013 Share Posted December 2, 2013 I think it depends on the policy of the garage, I may be wrong but if they have a sign clearly displayed saying the vehicle is left at your risk if it were to be stolen you could not pursue them, it would have to be done through your insurance. Don't quote me on that though. Quote Link to comment Share on other sites More sharing options...
WhackyWill Posted December 2, 2013 Share Posted December 2, 2013 My mate left his 911 at a garage for a service, he was told 2 days as it needed a bit of work as well the Official Receiver moved into the garage and they seized his car as an asset of the garage, took him over 2 months to get it back, and then they tried to charge him £600 storage (and the work never got done)...WTF... :angry: Quote Link to comment Share on other sites More sharing options...
nowhereboy Posted December 2, 2013 Share Posted December 2, 2013 No claims protected though or is it different for a complete loss? Your protected bonus will allow a certain amount of "fault" claims in a set space of time, this would be classed as a fault claim as their would be no third party to claim from (unless the garage had something in place). Even with bonus protected the details of the claim would still show on your insurance and would still increase the premium, many people don't seem to realize that. Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted December 2, 2013 Share Posted December 2, 2013 No claims protected though or is it different for a complete loss? If protected NCB then you wouldnt loose that, but you`d still have to declare that you had made a claim and therefore the insurance company may well increase your premium as statistically if you have made a claim you are more likely to have another one (or some such thing). Makes me think now though, next time i leave my car at a garage i will ask them if its insured! Quote Link to comment Share on other sites More sharing options...
nowhereboy Posted December 2, 2013 Share Posted December 2, 2013 No claims protected though or is it different for a complete loss? If protected NCB then you wouldnt loose that, but you`d still have to declare that you had made a claim and therefore the insurance company may well increase your premium as statistically if you have made a claim you are more likely to have another one (or some such thing). Makes me think now though, next time i leave my car at a garage i will ask them if its insured! Yup spot on! They also ask have you had "any losses" too, this means even if someone hit you and it wasn't your fault and it was settled off the record they would still want to know about it, this can increase the premium too. I work for a broker and if someone while in conversation mentions something in passing about any incident no matter how small, I need to note it on their policy and it can hike the premium and incur an admin fee for making the changes Quote Link to comment Share on other sites More sharing options...
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