Watch out for kamikaze pedestrians

[mac65]

Was heading home from a mad hour doing Christmas shopping, heading up a road with slow moving traffic. I moved in to the right lane as the road opened up as I was turning right at the roundabout ahead. Traffic in the left lane stopped but I was clear up to the roundabout. I had just cleared a pedestrian crossing, riding slowly as it was very wet and wind. Next second a woman and her son ran in to the road through the non moving traffic straight in front of me! All I heard was her scream and she tried to drag her son back off the road. Too late, just clipped the wee lad, lucky i kept up right and stopped with in a couple of feet. Then she started screaming at me that I had hit her son, I had to explain that it was her that ran in to me through stopped traffic and just 20 yards from a crossing. Then she just walked off. But a car driver stopped and gave me her phone number if I need a witness. I cought up with the woman and her son. She then apologized realizing her mistake. Felt terrible and very shaken. Scoot now has a damaged front end and mud guard. Phoned insurance later. But have since looked at damaged and wondered if I would be better getting replacement panels and doing the work myself. As my excess is £500 plus I would lose my no claims. Any idea's were best place for SYM replacement panels would be?

[melpotter]

If the panels aren't actually broken I've had great results on a couple of occasions using chips-away.

[mac65]

No the panels are split. Big one round head lights and mud guard. Phone dealer that I got scoot from, although no longer SYM he told me to come down after holidays and he will hopefully source them for me. Just wanted an idea how much they would be. As want to cancel my insurance claim, but they are obviously closed now too.

[gn2]

You should report this to the Police as soon as possible.
If you broke bodywork there will be injury, even if only bruising.

[phantom309]

sym panels aren't that bad pricing..an if just cracked . you could try plastic welding them.. I had a front mudguard broken in half . an the crack was welded back together .. I was very impressed with the results...

[johnp]

Blimey £500 + excess is a lot of money, but i would report her to the police as damage was caused to you which was not your fault and get her to pay for it.

[tallpaul]

You should report this to the Police as soon as possible.
If you broke bodywork there will be injury, even if only bruising.

I think I would report it aswel, there are some funny sods around who'll change Thier minds & try making a claim.

[macamxthe1st]

You need to report it ASAP.

Geoff.

[mac65]

Oh it was reported to the police as soon as I got home. And the insurance said you can't claim from a pedestrian as the don,t carry insurance. Brilliant. Yeah should have checked the excess before renewing the policy, but too late now. I could try and find a plastic welding specialist locally, good point, thanks.

[anonstarter]

Sorry to read this Mac. The only consolation I suppose is that it could have been worse.

I appreciate why you contacted your insurance company - but we all need to be mindful that our future premiums could rise - even if we decide not to claim.

Insurance: how a simple query could cost you a premium penalty... Even if you don't make a claim, calling to see if you are covered is logged – and the result can be very expensive...

Dropped your mobile down the loo and wondering if you can claim on your home insurance? Not sure if that leak in the kitchen ceiling is covered by your policy? You might naturally call your insurer to find out. But if you do, the information you give could be held against you – even if you do not make a claim – and raise future premiums by hundreds of pounds.

In my case, the quote from the cheapest insurer I found on gocompare.com – from Admiral – went from about £213 to £435.50 when it found out that my partner and I had called up esure, our previous insurer, twice during our policy term to ask if we could claim for such incidents.

Esure had logged these in a central database used by most UK insurers, the Claims and Underwriting Exchange, even though we had not claimed. Insurers can log incidents "which may or may not give rise to a claim". This is in the interests of preventing fraud, but they also use it to assess the likelihood someone will claim in future.

"It's absurd that calls that do not result in a claim should affect your record," says Steve Foulsham, head of technical services at the British Insurance Brokers' Association (Biba). "It really doesn't stack up. If no claim is made, that incident should be filed as 'no payment' in the database. It is unfairly treating people who do the right thing by calling up to notify their insurer. Even worse is that most people do not know that this information is being logged in a way that can potentially be used against them, even for incidents that do not necessarily make them more risky."

However, Adrian Webb, spokesman for esure, claims this is not that common: "Unfortunately, you found yourself in a small niche. Incidents affecting future premiums are rare in general, and even more rare in home."

Yet reporting our leak pushed up the premium with Admiral to £316, while the accidental damage to the phone pushed it up to £435.50, despite no claim.

It is worth knowing that any leak reported to a home insurer is likely to result in a black mark on your record. The galling thing is that there is no opportunity to explain what happened. In our case, the bath had slipped and dislodged a pipe – one plumber and plasterer later and it was fixed, all for less than the excess. Is there any way I can record this information in our file?

"Unfortunately, incident records are not like a credit record that can be corrected," says Webb, "and insurers take a broad brush approach, they have to, because they cannot justify the cost of going into detail over the personal histories of every applicant."

Admiral said: "We take into account all incidents regardless of whether a claim has been made as we have to price a premium based on the risk presented to us."

But with such premium hikes at stake for mere phone calls, you would be forgiven for thinking twice before phoning to make any inquiries. "There's a very fine line between not unduly arousing attention for a minor issue and material non-disclosure of an incident, which would be in breach of policy terms," says Webb.

Another industry expert says: "It might be helpful to know that insurers work on the basis that if someone feels they should tell you about something, it gets recorded." Surely we should know this? "Perhaps, but then insurers run the risk that if everyone knows those calls are logged, people would not report incidents that would be of justifiable concern."

And it seems there are no rules on how insurers can use this data, or whether they should tell customers they might use it. The Association of British Insurers has previously said only that: "We would expect the insurer to make it clear the impact that [a report of an incident] could have." As I found out this does not always happen.

If you are worried previous incidents may be held and used against you, the best thing to do when you next obtain insurance is to use a broker. Then, says Foulsham, "you have the opportunity to explain the circumstances to a human being, who can put into context any incidents to insurers, which can, hopefully, deliver a cheaper premium".

And if you think a price comparison site offers an opportunity to let previous incidents go undetected, think again. There are ways insurers can see if you are trying to avoid disclosure. Nicola Parry, of moneysupermarket.com, says: "Insurers can now tell if a person has entered a claim in their application, obtained the premium, then gone back to the form and removed the claim to reduce it."

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