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Scumbags stole my car


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11 replies to this topic

#1 mondeo df

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Posted 12 January 2017 - 12:10 PM

As the title says, the local scum decided they needed my my 16yr old MK3 Mondeo more than I did. So much so, that they broke into my house during the night and stole the keys to get it. They stole a few other totally worthless items and about £20 in loose change. Obviously I informed the police and they did all they could which is obviously nothing more than give me a crime number. 

 

Anyway, a couple of days later a police car's ANPR flagged the car in front as mine, being driven by the scum. A short chase ensued and the scum smashed my car into a parked car. Scum carried on and ended up at a dead end. The scum abandoned my car and fled on foot. Needless to say, scum got away. Police now have my car for forensics. I'll be getting the carcass back in a few days.

 

Now, here's my position. The car was worth £500-600 on paper. My insurance excess is £350. If I were to claim on this I'd get virtually naff-all, the car would probably be taken from me, and my policy would get loaded up. It's just not worth it. I'd rather just keep the car for spares for the replacement MK3 I'm going to buy.

 

But, what are my legal obligations regarding telling my insurance company? So far I haven't even told them it was stolen. And I don't want to, either. And, I haven't told my house insurance company either. Same deal there regarding nothing to claim for and getting my policy racked up. 

 

And what about the poor guy whose parked car got whacked? Can he come after me or my insurance company?

 

My take on this is that the moment it was stolen and being driven by the scum the insurance ceased. 

 

Can anybody advise on this?

 

Cheers.



#2 Mondygeek

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Posted 12 January 2017 - 02:22 PM

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To answer part of that...

The scum unfortunately was not insured to drive your Mondeo meaning at the time he was driving the Mondeo was uninsured. The parked car the thieving little shi@ hit will also be suffering as he is gonna have to claim from a "being hit by uninsured driver" point of view. So on your behalf your safe but I would inform the insurance what has happened but state you do not wish to make any sort of claim
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#3 mondeo df

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Posted 13 January 2017 - 07:05 PM

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That's kind of how I see it, but although I know I should be able to tell them without them upping my policy, as I'm not making any claim, it's bang on that they will. 

 

I've done a deal today for a really nice Mk3. Will be delivered end of next week. I think I will tell the ins comp, and transfer the ins to the new car, but make it very clear that if they hike the policy in any way I'll make as big a claim as I can.


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#4 paul05149

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Posted 13 January 2017 - 07:34 PM

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Ask them what the expected renewal premium is gonna be for your new MkIII Before you tell them anything about the 'incident with mr Scum' and see later if it goes up even though you are not claiming against it ( not sure about the poor git that got their parked car twated though with regards your insurance, can't see as they can claim against you as you ( Obviously ) never gave them permission to drive it.

Paul m.

Edited by paul05149, 13 January 2017 - 07:36 PM.

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#5 mondeo df

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Posted 13 January 2017 - 08:27 PM

That's a good idea. I could do the go-compare web site comparison (which is where I got my previous quotes and the reason I'm with this insurer. Then I would know if they're stiffing me.

 

But, to play devil's advocate.....

 

On my driveway is an uninsured Mk2, with no tax or MOT, on a SORN, so it's legal. It starts and drives. If the scum had taken that one instead, there would be no ins comp to consider. The police would treat it the same and the poor sod whose car got whacked would still have been hit by an uninsured driver. The only difference is that they took the car that was actually insured.

 

So, the more I think about it, the less I think I should tell them. Even Mr Plod did not have a clue about the legal side of this! 



#6 mondeo df

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Posted 16 January 2017 - 07:00 PM

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Got the car back today. Cheeky Plod wanted me to pay £150 for the privilege of letting them 'recover' it for their forensics, after they refused to let me bring it home from the scene, when I was stood there, key in hand, ready to drive it home, with no recovery truck in sight. So, I get robbed twice! Many phone calls and very heated discussions later, I collected it with no fee. But, now it's decision time. Fix it and use it, or relegate it to a doner? First things first though, I need to sort out the security, so I'll start a topic over there.


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#7 tellmah

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Posted 16 January 2017 - 07:24 PM

i think you will find your insurance company will be contacting you.

 

The parked car that was hit for all intents and purposes will be making a claim and a collision report (as it's called now) would and should have been submitted by the police.

 

The other parties Ins Co will write to the police asking for a copy of the report which should contain all your details which they will get off the MID from the vehicles reg number.

 

Although your car was stolen, it's seen that you were technically "negligent" by "allowing" your car to get stolen, hence the reason why the other party can come after you.


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#8 mondeo df

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Posted 16 January 2017 - 07:53 PM

I have actually spoken with the insurance company this afternoon. They don't even know the score! Surely this isn't the first time they've had to deal with something like this? They are calling me back tomorrow. I will update.



#9 Mondygeek

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Posted 16 January 2017 - 08:01 PM

Good luck mate

#10 paul05149

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Posted 16 January 2017 - 09:12 PM

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Whatever they come back with don't take it as read and carry on doing your homework as they will not necessarily be working in Your best interest even though you are paying Them!

Paul m.

Edited by paul05149, 16 January 2017 - 09:13 PM.

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