Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.




15231 posts

Uber Geek

Trusted
Subscriber

# 204616 9-Oct-2016 17:47
Send private message

If you have one year of car insurance and something happens just before that period finishes, can you generally make a claim after the insurance expires? Or does the insurance still have to be valid to make a claim?

 

I know the best answer is either "call the insurer" or "read the policy", but I'd rather not right now.


Filter this topic showing only the reply marked as answer Create new topic
22524 posts

Uber Geek

Trusted
Subscriber

  # 1648115 9-Oct-2016 17:49
Send private message

How will you prove it happened when it was under cover?





Richard rich.ms



15231 posts

Uber Geek

Trusted
Subscriber

  # 1648116 9-Oct-2016 17:50
Send private message

richms:

 

How will you prove it happened when it was under cover?

 

 

Photos and signing that the claim is true and correct, but let's assume that's not an issue. I'm really interested in the coverage question.


 
 
 
 


22524 posts

Uber Geek

Trusted
Subscriber

  # 1648118 9-Oct-2016 17:52
2 people support this post
Send private message

Have you had an indication that they would not accept the claim or something? I wouldnt expect them to decline it. They do want you to claim as soon as possible after the damage so might use that as an excuse to get out of it.

 

 





Richard rich.ms



15231 posts

Uber Geek

Trusted
Subscriber

  # 1648122 9-Oct-2016 18:10
Send private message

I haven't talked to the insurance company. I'd just like to know what the general rule is regarding insurance. My main concern is to mitigate risk - it's a small claim from a very minor almost stationary incident, but the other party doesn't know if it's worth doing anything or not. So if I can't claim later I'd need to claim now, even though it's probably not worthwhile.


881 posts

Ultimate Geek


  # 1648126 9-Oct-2016 18:21
Send private message

As long as the incident happened before the expiry date you are covered.

 

John





I know enough to be dangerous


mdf

2328 posts

Uber Geek

Trusted
Subscriber

  # 1648127 9-Oct-2016 18:21
One person supports this post
Send private message

Insurance contracts are typically for a fixed term. If a claim arises in that term, you are covered, regardless of whether the payout occurs after the expiry of the term.

 

BUT insurance contracts also typically include an obligation to notify the insurer of any circumstances that might give rise to a claim as soon as possible. So if you've already had a ding, you're probably already obliged to notify the insurer even if you're not making a claim (yet).

 

Depending on just how dastardly your particular insurer is, if you notify them after the policy has expired, they might refuse cover on the basis that you didn't notify them sooner.

 

BUT BUT obviously everything depends on the specific wording of your policy. You'll note the "typical" disclaimers. In fact, just to be safe, don't listen to a word I've said. smile


8723 posts

Uber Geek


  # 1648128 9-Oct-2016 18:27
Send private message

timmmay:

 

I haven't talked to the insurance company. I'd just like to know what the general rule is regarding insurance. My main concern is to mitigate risk - it's a small claim from a very minor almost stationary incident, but the other party doesn't know if it's worth doing anything or not. So if I can't claim later I'd need to claim now, even though it's probably not worthwhile.

 

 

 

 

Lodge a claim now - you can always withdraw the claim later.

 

You had a contract in place with them when you had the accident - it doesn't seem relevant that the policy ended after that happened.

 

Do be careful if you've got a new policy and didn't disclose that accident/claim, as they'll probably use that to deny future claims.  So if you do lodge a claim, I think I'd be calling your new insurer immediately - to let them know about it.


 
 
 
 




15231 posts

Uber Geek

Trusted
Subscriber

  # 1648129 9-Oct-2016 18:31
Send private message

Ok, I'll call the insurer. I got the new insurance with a different company and paid for it before this incident occurred, I had planned to let them know.


Mad Scientist
20924 posts

Uber Geek

Trusted
Lifetime subscriber

  # 1648197 9-Oct-2016 20:20
Send private message

Depends if you're with Youi or not ...





Involuntary autocorrect in operation on mobile device. Apologies in advance.


3102 posts

Uber Geek

Trusted
Subscriber

  # 1648370 10-Oct-2016 10:03
Send private message

joker97:

 

Depends if you're with Youi or not ...

 

 

Youi's MO is to approve the claim, but then do nothing about it until your policy expires and tell you they wont pay for any repairs once the policy expires so come back when you've renewed.


Filter this topic showing only the reply marked as answer Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Arlo unveils its first video doorbell
Posted 21-Oct-2019 08:27


New Zealand students shortlisted for James Dyson Award
Posted 21-Oct-2019 08:18


Norton LifeLock Launches Norton 360
Posted 21-Oct-2019 08:11


Microsoft New Zealand Partner Awards results
Posted 18-Oct-2019 10:18


Logitech introduces new Made for Google keyboard and mouse devices
Posted 16-Oct-2019 13:36


MATTR launches to accelerate decentralised identity
Posted 16-Oct-2019 10:28


Vodafone X-Squad powers up for customers
Posted 16-Oct-2019 08:15


D Link ANZ launches EXO Smart Mesh Wi Fi Routers with McAfee protection
Posted 15-Oct-2019 11:31


Major Japanese retailer partners with smart New Zealand technology IMAGR
Posted 14-Oct-2019 10:29


Ola pioneers one-time passcode feature to fight rideshare fraud
Posted 14-Oct-2019 10:24


Spark Sport new home of NZC matches from 2020
Posted 10-Oct-2019 09:59


Meet Nola, Noel Leeming's new digital employee
Posted 4-Oct-2019 08:07


Registrations for Sprout Accelerator open for 2020 season
Posted 4-Oct-2019 08:02


Teletrac Navman welcomes AI tech leader Jens Meggers as new President
Posted 4-Oct-2019 07:41


Vodafone makes voice of 4G (VoLTE) official
Posted 4-Oct-2019 07:36



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.