If you have informed your insurance, then it will already go against you as in their eyes "You have been involved in an accident".
I would say that if you have your NCD protected then make a claim, if you don't then you should claim off yourself for your daughters whiplash injuries. We pay enough on insurance especially when your a self employed spark ! (Yes I am one too)

Claim for your repairs and claim for your daughters injuries, you can tell the insurance company that you want to have it repaired by your own garage. I did this with my wife's car last year when it was vandalised (smashed to bits by a gang of idiots for a laugh) the insurance wanted to write the car off as the repair was £2,700 but I said no, so they said they would pay me £1,500 if I wanted to get it done at my own garage. So they sent the cash within a week and I got a mate who has a body shop to do all the repairs and a full respray for £900.

Good Luck

Ok, as far as im aware i dont have a protected NCD, i also got caught by a speed camera last month, this has shot my premium from £500 to £1300, as you said ive already told my insurance (wish i hadnt), me and my daughter both went to a&e to be checked and both diagnosed with possible whiplash, i went as a precaution and the police advised this heavily.
Today is the say when i speak to insurance as they were closed yearerday for previous claims (useless), i planned on having the work done myself, would i need an official invoice to make a claim as more than likely my mate will do it as a favour, just parts and no labour cost!! Ive never been in this situation before and have no clue where to start, i need this van back on the road as quicklyas i can though, thanks

£500 to £1300 for an SP30!
I would change insurers!
I was caught by a camera van 3yrs ago (55mph in a 40. Oops!).
Told my insurance company immediately and they wanted an extra £19.
The following year the premium actually went down.
Wonder if anyone else has had similar experiences?

Ive run a quote and the best i could find was £1100, i think maybe the fact i have only held my licence for 14 months may have an effect ??my dad has 6 points , 2x sp30 and his only wet up about £10???
The only option now i feel is to cancel my claim, get the van fixed for around £200 , put it down to a bad experience and move on.the insurance company just told me if i cancel the claim then it wont effect my premium?? Is this true ?? Thanks

I would get that in writing. If you change companies at any time it would be handy to produce, in case the accident is logged and affects the price when they are quoting for you.

(20-02-2012, 11:10 AM)eliano Wrote:  Ive run a quote and the best i could find was £1100, i think maybe the fact i have only held my licence for 14 months may have an effect ??my dad has 6 points , 2x sp30 and his only wet up about £10???
The only option now i feel is to cancel my claim, get the van fixed for around £200 , put it down to a bad experience and move on.the insurance company just told me if i cancel the claim then it wont effect my premium?? Is this true ?? Thanks

It won't affect your premium, if you don't make a claim.

(19-02-2012, 05:56 PM)eliano Wrote:  Haha, that cheered me up, no Some middle aged , miserable git with a p reg toyoya starlet, lovely guy ;-)

Had and accident tonight in my wife's beloved Berlingo

The car wasn't locked and wouldn't lock when I tried to do it. All doors and boot were shut so I thought maybe the battery is flat, we haven't been out in a while.

I put the car in neutral, put my foot on  the brake and turned the ignition. The car took off at an  alarming speed, burst through the gate and raced down the garden, which is terraced which involved going over two and three feet high walls before coming to a halt crashing into a log pile.

The car remained in neutral and I don't think I touched the accelerator although I was desperately trying not to bang into walls so I was in a bit of a panic. I don't think I took my foot of the brake but ...

The point is I didn't change from neutral, I was only going to start it and not travel anywhere so I had no need to change gear. It is a 2107 Multispace automatic. the one with a circular control to change gears.

Does anyone know of this happening to anyone before i.e goes into power while in neutral?

saville01  PS I realise this should go on a new thread but I am new to the forum and don't know how to do that. Tony

Sounds like there's something wrong with the car for sure!

You can start a new Thread by pressing the 'Post Thread' button at the top of the forum section:

https://www.berlingoforum.com/forum-10.html


 

As another trucker I have to agree with J90 - the best thing to do from a blames & claims point of view is stop dead. As for personal injuries, whether you and your dau would have fared better in a head-on or crashing into a ditch is probably unanswerable in advance, but as you were both unhurt (physically, though expect shock to set in esp for your dau - can last weeks or more - unable to sleep/concentrate/ & recurring flashbacks etc) then you did not make the wrong choice, if there was a wrong one.

My truck has a very annoying 'driver aid' - it detects brake lights or an object such as another car in front of me and rapidly getting closer, and if I don't appear to respond to it (for instance if I can tell the car is about to turn down a side road and there's no issue to worry about, but the 'driver aid' can't tell that), the brakes are automatically applied.

What we weren't briefed is that if it really gets uppity, it slams on the brakes super hard, applies the handbrake, cuts the engine, and puts the hazards on, all at once!

It is a two-edged sword; on one occasion it saved me from a head-on I don't think I could have avoided myself; but on another occasion, when I was changing lanes in heavy central London traffic and pulled up behind a car in the new lane at about 20mph, the truck threw a wobbly and stopped dead so quickly that a bus behind me had to swerve to avoid hitting my back end. The driver had a lot to say to me whilst I was trying to find out why I couldn't restart the truck, knowing full well that I was blocking off two busy lanes - I eventually found out that it would only start if I cancelled the hazards first.

You say you might have been badly advised to tell your ins co - it may appear so in the shot term, but you might just have covered yourself against an even bigger future potential cost. The details and situation of my experience don't compare very closely with yours, but many years ago I had a slight scrape with a car (the wheel studs on my Tranny's front wheel scraped his front wing). He actually asked if we could forget it, as I had no damage and he had no insurance. Stupidly, I agreed. Six months later, he put a claim in, stating that the accident happened one week after it really did, and of course in the mean time he'd got insurance. Could I prove him wrong? No. I was told that I should have reported the incident to my ins co even if not making a claim. if I had done so, the boys in blue would have been knocking on the other driver's front door.

It might be worth your while trying to find out if anyone witnessed the incident. Put your own signs up at the spot, knock on local doors accompanied by your dau, etc. Finding a witness could make all the difference.

(18-05-2020, 09:25 PM)Saville01 Wrote:  

(19-02-2012, 05:56 PM)eliano Wrote:  Haha, that cheered me up, no Some middle aged , miserable git with a p reg toyoya starlet, lovely guy ;-)

Had and accident tonight in my wife's beloved Berlingo

The car wasn't locked and wouldn't lock when I tried to do it. All doors and boot were shut so I thought maybe the battery is flat, we haven't been out in a while.

I put the car in neutral, put my foot on  the brake and turned the ignition. The car took off at an  alarming speed, burst through the gate and raced down the garden, which is terraced which involved going over two and three feet high walls before coming to a halt crashing into a log pile.

The car remained in neutral and I don't think I touched the accelerator although I was desperately trying not to bang into walls so I was in a bit of a panic. I don't think I took my foot of the brake but ...

The point is I didn't change from neutral, I was only going to start it and not travel anywhere so I had no need to change gear. It is a 2107 Multispace automatic. the one with a circular control to change gears.

Does anyone know of this happening to anyone before i.e goes into power while in neutral?

saville01  PS I realise this should go on a new thread but I am new to the forum and don't know how to do that. Tony

 That sounds pretty scary, How hard where you pushing the brake pedal?as I would expect the car to stall if the breaks where on hard.