Motability insurance

Tiredmum42
Tiredmum42 Community Member Posts: 30 Connected
edited September 2024 in Transport and travel

hi everyone

I have had my car 2 years and made one minor claim.

This evening someone went into my parked car and it looks like a write off. He has admitted liability (and took out 2 of the neighbours cars too). Luckily nobody was hurt.

My question is about insurance- I have been told they can refuse to insure again due to 3 or more accidents/claims. Can I check if this applies if the other party’s insurance covers it? Or is it just all claims?

I feel a bit worried given this accident was in no way my fault

Thanks

Comments

  • Rachel_Scope
    Rachel_Scope Posts: 4,558 Online Community Team

    Hi @Tiredmum42. I haven't dealt with Motability insurance personally so I'm unsure as to what their policy is. Having looked at their website I couldn't find anything that put a limit on the number of claims you can have before being refused insurance. Car insurers can refuse to insure you if you have made numerous claims in a short space of time, however, there is no set limit. I would advise you contact Motability directly so they can give you a direct answer.

  • tifo
    tifo Community Member Posts: 148 Empowering

    whilst i'm not on motability, i'd assume it's 3 or more fault claims as it's not your fault when someone else is liable.

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