3. Reporting of claims under another policy to your primary vehicle insurer
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typefish

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Reporting of claims under another policy to your primary vehicle insurer
« on: June 30, 2024, 05:56:58 pm »
Does anyone know if a claim that is made to a insurer that provides secondary insurance such as cosmetic or tyre cover needs to be reported to the primary vehicle insurer? I've been asked this question as someone is contemplating purchasing a product like that and I'm struggling to come up with answers that I can back up.

Some specific scenarios that I can think of off the top of my head include:

  • A claim for alloy wheel refurbishment due to a manufacturing defect causing excessive corrosion of an alloy
  • A claim for cosmetic paint touch up due to multiple stone chips, ostensibly wear and tear with the aim of preventing paint damage or corrosion or rust of the metalwork
  • A claim for tyre repair or replacement due to piercing by a sharp object, that was not encountered during an accident

My personal feeling is that it isn't, as the insurance product that is being offered for the secondary insurance is not related to the product offered by the vehicle insurer, and the reason behind any potential claims in any of the scenarios above are not due to incidents that would be classified as accidents. But, insurance is a funny world and you never know what funniness exists.

Heck, even if that were the case, where do you stop? Do you inform the insurer of new OEM-specification shocks and other driveline parts fitted to a vehicle, to replace parts worn out through wear and tear? What about a claim on your house insurance for water damage to a ceiling after a leak in a bathroom?

What are the thoughts of the community on this confusing matter? :)
« Last Edit: June 30, 2024, 06:00:28 pm by typefish »
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cp8759

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Re: Reporting of claims under another policy to your primary vehicle insurer
« Reply #1 on: June 30, 2024, 10:50:55 pm »
Why don't you just ask the primary insurer? It's impossible to give a general answer because each insurer can have whatever it wants in the terms and conditions as long as they don't fall foul of any relevant legislation, and I'm not aware of any restrictions on this sort of thing.
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slapdash

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Re: Reporting of claims under another policy to your primary vehicle insurer
« Reply #2 on: July 01, 2024, 05:24:11 am »
Quote from: typefish on June 30, 2024, 05:56:58 pm
Do you inform the insurer of new OEM-specification shocks and other driveline parts fitted to a vehicle, to replace parts worn out through wear and tear?

Admiral, for example, regard anything other than the manufacturers standard spec as a modification, that means optional extras need to be declared and rated. Most insurers do not regard manufacturer options as declarable.

Where indeed do you stop? The automotive supply chain is riddled with questionable supplies. Loads of Brembo stuff is fake, loads is genuine but made to different specs.

What about those tyres, they may be right size and load but not the actual * marked OE.

It's a subject that crops up regularly on modding forums. Insurers have differing views.
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mickR

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Re: Reporting of claims under another policy to your primary vehicle insurer
« Reply #3 on: July 11, 2024, 06:54:43 pm »
hmmm I would suggest insurance Companies insisting on OEM parts might fall foul of Block Exemption rules regarding the use of aftermarket parts on vehicles which were amended and confirmed in 2023 until at least 2028.
I would also suggest it may not be possible to state for certainty that a used car you just bought has not been modified in some way or that all the "extras" were factory fitted.
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slapdash

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Re: Reporting of claims under another policy to your primary vehicle insurer
« Reply #4 on: July 11, 2024, 08:18:02 pm »
Quote from: mickR on July 11, 2024, 06:54:43 pm
I would also suggest it may not be possible to state for certainty that a used car you just bought has not been modified in some way or that all the "extras" were factory fitted.

I entirely agree. Though in that circumstance the proposer wouldn't be reckless (probably) in answering no.
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