Hit Car whilst driving under a provisional licence with no Licenced passenger - Admiral canc'd policy - now "consent and indemnity form" from them

[foucoult]

My car slipped down and hit another car, in a public car park.

 

I have P license, so my insurer doesn't pay my claim, and cancelled the insurance. 

The insurer sent me an email for me to fill a consent and indemnity form.

I am not sure to sign it, as it seems to be a legally binding document.

 

When I log in to my account on insurer's website, it shows a ridiculous amount of money for the case (~10k£ for some minor dent damage)

What should I do?

Should I sign it? 

 

Will the amount drop to a more reasonable level?

 

How should I pay for the damage?

Edited March 14, 2022 by dx100uk
block of text spaced to paragraphs

[dx100uk]

what do you mean by slipped down?

and was this a public car park or private land like a retail park / supermarket where it happened?

who is you insurer?

 

dx

 

[foucoult]

My car hit another car. 

It was a private land with these definitions. 

Admiral is the insurer. 

[dx100uk]

dont make our teeth pulling job easier with a tad more information will you....

 

cars dont slid, now you say you hit another car.

so you were driving the car?

 

as you say slid i assume this was months ago during bad weather?

 

 

[foucoult]

I just want to ask if it is a common practice to sign "consent and indemnity form"s sent by the insurance companies in such issues. And if there is another way to pay the money (to the third party's insurance company).

 

Also, is such huge amount of money is practiced as default?

 

Sorry, I just don't know the laws, and just want to learn how usually these things happen.

[dx100uk]

why are the insurance company dumping you as a provisional driver?

did you do something illegal like were driving without a licenced passenger?

 

what is the point in you taking out insurance with them as a provisional driver and them allowing the policy , and then cancelling it?

 

WHAT did you do wrong against their Policy rules / T&C's for them to do so please?

 

dx

[foucoult]

42 minutes ago, dx100uk said:

why are the insurance company dumping you as a provisional driver?

did you do something illegal like were driving without a licenced passenger?

 

Thanks for help. Yes, I was supposed to drive with a licensed driver, but I was alone.

 

42 minutes ago, dx100uk said:

what is the point in you taking out insurance with them as a provisional driver and them allowing the policy , and then cancelling it?

 

I had purchased the insurance policy online, and it was seemingly OK. 

 

42 minutes ago, dx100uk said:

WHAT did you do wrong against their Policy rules / T&C's for them to do so please?

 

dx

 

The only thing is that I was alone, without a licensed person (or instructor).

[dx100uk]

In otherwords you broke the law.

you are lucky you are not being prosecuted?? Or are you as it was a reportable accident even on private land.??

 

get the forms done, i doubt the 'cost' will reduce, sadly you are up the creek with no paddle, but you broke the law and have zero room to complain.

 

DX

 

 

[foucoult]

So you think it is not better me to contact the third party's insurer? Or third party? 

Or find a solicitor and pursue myself? 

I am confused if there is another way to proceed. 

I just have no idea what other options I have, and this is what I am trying to investigate.

Edited March 14, 2022 by foucoult

[dx100uk]

find a solicitor to pursue what?

you don't have a legal leg to stand on.

you hit a car and are not insured.

 

i'm sure our insurance experts will pop in soon

now we know the true story.

 

are you being prosecuted too?

 

 

[foucoult]

I don't understand the purpose of this forum, to be honest. I am trying to seek help on a matter I don't have knowledge, and it seems I am judged here.

[dx100uk]

then tell the whole truth from the get go

not have it teased out of you by teeth pulling 

 

now its here, the experts will read and help as they probably finish work.

 

no good expecting any help when you hide very important details as to why you came here and asked your question...which will have serious bearings upon the advice of how best to respond ..

[honeybee13]

Hi.

 

Site team member @unclebulgaria67is really good on motor insurance; he should be around later to advise.

 

HB

[unclebulgaria67]

No don't sign the consent and indemnity form.  If you sign that, then it is a bit like issuing a blank cheque and hoping the Insurers negotiate a settlement with the third party that is a low as possible. 

 

Even though your Insurers have cancelled your Insurance, they are still responsible for paying the third party, as they were noted as being the Insurers of the vehicle. So under Road Traffic law, they will be dealing with the third parties claim.   And once they have settled the claim, they will be contacting you to ask for you to pay them back.  If you then don't enter into a repayment arrangement with the Insurers, they may take you to County Court to obtain a CCJ

 

Ask for details of the third party who is making the claim and for details of the claim that they have submitted..  You need to understand what the value of the claim is, before you agree to anything.

 

 

[foucoult]

Thank you so much for this informative post! 

So I'm not signing the form, but waiting for them to resolve it themselves, and let my insurer then contact me for me to pay them, and let me pay. 

I actually have the contact information of the third party (the owner of the other car), maybe I ask them for their insurer to understand the details?

[Homer67]

Does the fact this happened on private land and not the public highway have any impact here?

[BazzaS]

It doesn’t matter as much as if it was in a car park rather than the road, as if it was a private road (with notices saying private road and restricting public access) or a public car park  (and it was during hours where the public have unrestricted access).

 

If the latter, 3rd party insurance was required. The insurers can settle with the driver whose car was damaged and come after the OP.