Soldato
- Joined
- 22 Jul 2014
- Posts
- 3,928
- Location
- Oxon
You say that, but ultimately it affects everyone else who drives because of inflated costs.
Somone crashed in to my car & left a note
- Thread starter terley
- Start date
You say that, but ultimately it affects everyone else who drives because of inflated costs.
You've made non fault claims and its not effected your premiums? What insurance company is this
Direct Line
Churchill
Privilege
NIG
Prudential
Sainsburys policies taken out between June 11 & Feb 17
There are loads more but I can't be bothered to list them
I hope so, the less Ford Fusions my eyes have to see, the better!
If this is in fact a Fusion.
Soldato
- Joined
- 30 Nov 2011
- Posts
- 11,523
Direct Line
Churchill
Privilege
NIG
Prudential
Sainsburys policies taken out between June 11 & Feb 17
There are loads more but I can't be bothered to list them
are people getting confused between it not affecting their no claims bonus and it not affecting their actual premium - being the price they pay
any accident definitely increases the price you pay, or did you definitely do quotes without the claims declared and then add them on?
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
This isn't true. Some insurers load the premium for a non fault claim, some do not.
Soldato
- Joined
- 30 Nov 2011
- Posts
- 11,523
yeah fair enough, just did a test and added on a non-fault claim - the ones that added nothing for adding a claim were around 50% more expensive - not sure I would want to pay that much extra just to avoid a 10% addition
I used to work for UKI, they didn't load premiums on any policy they underwrite.
I am still a customer & my non-fault still makes no difference.
I thought you were promised your car with sentimental value won't be written off.
Being offered £2000 for a £1000 (I doubt you are being paid double) car isn't necessarily a good deal when you could have had it repaired for a few hundred.
Also there isn't extensive damage.
This is because insurance companies pay stupid money for repairs, I had a Rover 220 SDI about 7 years ago that was side swiped by a van, they paid out just shy of 1k as it was uneconomical to repair yet I could have fixed it for £40 and about 2 hours DIY.
It just needed a replacement door.
It just needed a replacement door.
Yeh but people get annoyed and complain if cheap repairs are done. They paid for insurance and so want their car treated as if it has just come off the production line.
Fair enough if it is an 18 month old car, but not a 10 year old one.
This is why it's not worth claiming on an older car unless you do as I did and push for a Cash in Lieu settlement and then DIY it, if that car is what I think it is a pair of smashed headlights would write it off but you could get them on Ebay for £30.
I'll bet this just needs a new wing and a door, and if the structure is anything like my similar era Mondeo that is an afternoons work at worst and a couple of hundred quid on parts.
The insurance will have been given a quote for dealer parts at stupid prices, with insane labour rates with a quote to re-spray all of one side of the car and the entire front end.
They reported extensive non cosmetic damage, maybe they are lieing? but you can't tell by just looking at it.
Not been given a full report yet, and it was a neighbour that i have never met before, my road has large houses (5-6 bedrooms) and next door was turned into single bedroom flats, one of the occupants reversed into my car in the morning on his way to work, Never met him before.
I'm not happy about it, I would have preferred to keep the car.
You can buy it back from insurance usually and fix it on the side.. like you should've done in the first place tbf.
"like i should've done in the first place"
Like i have said many times, i had good reasons to go through insurance...
I thought the reason was to get a good insurance repair for a car with sentimental value?
You would baulk at paying the equivalent of insurance repairs which are over the top for old cars.