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Club member and motorhomer, John McHale, shares what happened when his motorhome’s wing mirror was knocked off and how he went about making a claim.
"The accident happened in Scotland just around the corner from our intended campsite whilst we were in a queue of traffic, when my right hand wing mirror suddenly disappeared. A car had pulled out 3 or 4 cars behind us and overtook us but got too close as I guess they didn’t want to wait in the traffic queue any longer. They didn't stop and disappeared leaving me with a wing mirror hanging off.
My motorhome wing mirror is more than just a wing mirror; it also holds the radio ariel as well as the temperature gauge.
As soon as we arrived at the site, I taped up the wing mirror as best we could and rang Devitts, who put us in touch with the insurer for our policy.
Before the initial call to the insurer, I had already got a cost for a replacement wing mirror and had ordered one from a local garage. I discussed my excess versus the cost of the wing mirror with the insurance company.
Even though the accident was not my fault, I had no-one to claim against. If I claimed, I would have a mark against my insurance, and my insurance costs could be affected at my next renewal. I had no-one for the insurance company to get their money back from. I had protected no claims though so this would not be affected.
As the wing mirror cost and my excess were more or less the same, I resigned myself to pay for the replacement out of my own pocket when luck handed me a different path!
One of the campsite staff members showed me a local facebook group where she had seen a post from someone who had seen my accident. They had taken a picture of the car driving off in the distance, and reported it to the police. I now had a logged police incident and a witness.
I went back to the insurers, where they said they needed another witness so that it wasn't one person against another person's view, as they could claim that I pulled out into them.
So we were still no further forward then the insurers suggested closing my insurance claim and opening a legal claim, as I had taken out legal protection as part of my insurance. A legal claim does not affect your protected no claims on insurance. I took their advice and closed the insurance claim and I opened a legal claim.
The insurers legal firm were really helpful. The local police had found and interviewed the facebook witness and the local driver who had knocked off my wing-mirror. But without more than 1 independent witness they couldn't take it forward. However, then the insurance company for the driver accepted liability and I received a cheque for the costs of the new wing mirror!
So 5 Gold stars to the Club’s campsite member of staff and Motorhome Insurance”
John McHale - Club member, motorhome owner
John’s advice to his fellow Club members: