Sister-in-law uninsured........Help!!

[woodwa5]

My poor sister-in-law is having a dreadful run of luck at the moment & this is by no means the worst thing that's happened to her lately!!

 

She was at a training day at work when a Ford Transit reversed into her and caused £2.5k worth of damage. Her insurance company have said they can't claim through them as she is not covered for business use (silly girl). My question is, can she still claim against the other persons insurance as she is not at fault? She has asked the local authority for the CCTV so she can prove she was stationary and we don't know if he is going to contest liability, the transit had no damage. She is definitely not covered by her own insurance

 

Thanks

[unclebulgaria67]

Yes she can claim against the third party.

 

If she does not have the transits insurance details she can get these from Askmid and can then phone that Insurers to register a claim a claim against them.

 

CCTV will definitely help, as the other driver might not report to their Insurers or be helpful, hence why she should go direct to the Insurers.

[woodwa5]

That's great news. Thank you for that

[Nimrod205]

Does your sister-in-law actually use the car for work purposes or only for commuting to, and from, work?

[Oddfellow]

Attending a training day at her usual place of work does not constitute business use. If she drove to a training course elsewhere, it possibly will, depending on context.

[unclebulgaria67]

Attending a training day at her usual place of work does not constitute business use. If she drove to a training course elsewhere, it possibly will, depending on context.

 

I suspect they had social, domestic and pleasure use only. They did not include commuting to work, because they don't normally use a car for commuting.

 

The OP's sister in law can of course challenge her Insurers, if they believe there has been a mistake made about usage,