Bingle Car Insurance Online Quote - Unclear Question

overkillxx on 02/01/2025 - 17:12

Hey Everyone,

I recently emailed Bingle’s claims department (since I couldn’t find any other contact address) to clarify how to answer a question regarding my partner’s previous car incident. Unfortunately, none of the answer options seem suitable for her situation, and there’s currently no way to reach Bingle directly.

If I don’t get a response, I’ll either select “Any claim where no excess was payable” or list her as an unlisted driver since she won’t be driving the car much anyway. However, that latter option would mean an additional excess of over $2,000.

Wondering if anyone else has faced the same issue when seeking insurance through Bingle.

Email sent:

Hey Guys,

I’m looking into getting a quote from Bingle for car insurance. I want to list my partner as a secondary driver on the vehicle, but there’s a tricky question on the form:

"In the last 3 years has this driver had any car related incidents, including claims; or a driver's licence suspended, cancelled, disqualified or restricted?"

Although the question itself is straightforward, the answer options are confusing because they all appear to assume the driver made a claim. In our case, my partner wasn’t at fault, and the other party’s insurance company covered everything, so she never needed to make a claim with her own insurance.

However, if I answer "yes" to that question, these are the predefined options:

You were at fault and an excess was payable
Licence suspended, cancelled, disqualified or restricted
Natural Hazard (eq, fire, flood, hail etc.)
Any other claim where an excess was payable (theft etc.)
Any claim where no excess was payable
Windscreen claim
This makes it unclear how to accurately disclose the incident, given that no claim was filed on her insurance.

Can you please advise on how to proceed in answering this?

Financial Car Insurance Insurance

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Comments

  • Nugs on 02/01/2025 - 17:16
    +1

    buy elsewhere?
    .

  • MS Paint on 02/01/2025 - 17:20
    +4

    Just answer no.

  • MistaL on 02/01/2025 - 17:24
    +1

    You'd answer no, as your partner didn't make a claim. The at fault driver made a claim to their insurance which covered the damage to your partners vehicle.

  • brendanm on 02/01/2025 - 17:54
    +6

    A) just answer no

    B) why would you even want to go with an insurance company like this, if it's hard to even take out the policy, imagine how it will be when making a claim.

    • cashless on 02/01/2025 - 18:34
      +2

      Bingle are very good when it comes to claiming. They may not have an easily contactable CS dept, but in event of claim it all kicks into action.
      I’ve used them for more than a decade, have made 3 or 4 no fault claims and don’t have any complaints.
      They even contact you during the claim process 😉

  • GordonD on 02/01/2025 - 18:12

    The answer is "Any claim where no excess was payable".

    That's a claim. but a no-fault claim.

    • MS Paint on 02/01/2025 - 18:33
      +2

      But they haven't made a claim.

      • GordonD on 03/01/2025 - 08:33

        They did make a claim. They made it directly on the other driver's insurance.

        • MS Paint on 03/01/2025 - 08:34

          No. The 'at fault' party made the claim and that claim also covered the repairs of 'not at fault' vehicle.

  • AndyC1 on 02/01/2025 - 18:38
    +1

    Got to love the sneaky questions where they can deny a claim because the question is so badly worded that if you were in an ~accident~ incident where it was not your fault then you have to answer yes….

    Got caught with this sort of crud a number of years ago. The insurance company paid up after I said no worried can I get the department and person my lawyer needs to speak with tomorrow. I was not bluffing as it was for about $70K in total for a fire that was determined to be caused by a wiring fault.

  • akyeeeahdude on 03/01/2025 - 10:51
    +3

    Firstly, good on you for being concerned about answering the question correctly.

    "In the last 3 years has this driver had any car related incidents, including claims; or a driver's licence suspended, cancelled, disqualified or restricted?"

    As the other at fault driver made a claim, you need to answer this as "Any claim where no excess was payable".

    If you simply answer no, then you're technically not complying with the duty of disclosure. If it was the only incident you and your partner (and any other listed drivers) were involved in, in the past three years, then it's unlikely it would cause an issue come claims time. If there have been multiple incidents, you need to be very mindful that this may result in the lower risk insurers not offering cover. If you don't disclose it and if it's discovered come claims time, then the insurer is permitted to refuse the claim.

  • Aust on 04/01/2025 - 18:32
    +1

    As per akyeeahdude is the correct answer

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