First crash!
- Thread starter Haggisman
- Start date
Hmm, what spec are we talking here? I'm struggling to find any for sale below £1200, and I've checked ebay, gumtree and autotrader.
It's a W reg 1.8TDDi Ghia with ~135k on the clock, and I know the diesels are commanding a premium just now because of the fuel prices.
I'm starting to see why so many people make fraudulent compo claims, when they end up in a position where the insurance payout isn't enough to replace the car, and their premiums go up by a stupid amount too.
It's a W reg 1.8TDDi Ghia with ~135k on the clock, and I know the diesels are commanding a premium just now because of the fuel prices.
I'm starting to see why so many people make fraudulent compo claims, when they end up in a position where the insurance payout isn't enough to replace the car, and their premiums go up by a stupid amount too.
Are your own insurance offering you a pay out? Surely any payout should be coming from the other party, your policy should have no involvement at all?
Sounds like they're just going to settle it as a fault accident on your part, don't let them do that whatever you do.
Did you not got any details from the biker?
Sounds like they're just going to settle it as a fault accident on your part, don't let them do that whatever you do.
Did you not got any details from the biker?
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Because it's being settled as a fault claim and if the policy pays out and ends, you are liable for the full cost of the policy. Insurance is paid for up front, in full. Any monthly payment schemes are simply loans.
Is this a non fault accident? This seems yet another lesson in why you never involve your insurer beyond simply notifying them the the accident has taken place. They are treating it entirely as a fault claim and will continue to do so unless they receive full settlement from the third party.
Associate
- Joined
- 12 Mar 2005
- Posts
- 468
- Location
- Kings Norton, Birmingham
never EVER accept the first figure they throw at you for your car, it's always going to be low, normally the second or third offer is better. Did you tell them it wasn't your fault? As fox said, sounds like they're treating this as a fault (yours) accident
Oh deardoes nobody read or even understand what they're signing and paying for??!
I understand that paying in installments is basically a finance agreement - what I don't understand is why they can cancel it and still charge me the full amount when I've basically done nothing wrong. In effect they're charging me for a service they aren't providing. It's also a bit ****-backwards in that the whole reason I'm paying in installments is because I don't have a massive lump sum to pay it off in one go, so where the hell do these cowboys get the idea that I can afford to pay out for a new car (oh yeah, sorry it's going to be £150 cheaper
) along with a whole new insurance policy.I've also been told that if I want my H/U/amps/speakers etc out of the car, I need to pay for an engineer to go and uninstall them. At the moment I'm sat here fuming
I understand that paying in installments is basically a finance agreement - what I don't understand is why they can cancel it and still charge me the full amount when I've basically done nothing wrong. In effect they're charging me for a service they aren't providing. It's also a bit ****-backwards in that the whole reason I'm paying in installments is because I don't have a massive lump sum to pay it off in one go, so where the hell do these cowboys get the idea that I can afford to pay out for a new car (oh yeah, sorry it's going to be £150 cheaper
If you pay up front you don't get a pro rata refund in the event of a total loss either, so its nothing to do with the instalments really.
The policy is now completed - you purchase a policy which runs either for a year or until the insurance company pays out in full on the vehicle as a total loss. Thats how it works.
They've upheld the terms of the policy which has now come to an end.
[TW]Fox;20017724 said:
Except it's not supposed to be my insurance company who are paying out. I told them on the phone explicitly last night that I didn't want to claim against my own policy, and then the guy decides to tell me that they haven't even contacted the 3rd party insurer yet
I did try to call Helphire last night, but apparently they'd evacuated the building
I did try to call Helphire last night, but apparently they'd evacuated the building
Perhaps somebody read this thread and anticipated your call....
Except it's not supposed to be my insurance company who are paying out. I told them on the phone explicitly last night that I didn't want to claim against my own policy, and then the guy decides to tell me that they haven't even contacted the 3rd party insurer yet
Then you need to get back on the phone and explain very clearly that should they put in a claim against your own policy when you have explicitly told them not to then you will being contacting the financial ombudsman.
This just gets better and better. Just spoken to Bell again. Apparently it's likely that I will be found at fault (purely because he was on a bike), and they've written to the third party offering to take on their claim.
Helphire have said they can't help me because I've already gotten a car from my insurance.
I now have the 3rd party's insurance co and policy number, which Bell begrudgingly gave me.
Where do I stand now? (other than on the bikers doorstep with a large bat)
Helphire have said they can't help me because I've already gotten a car from my insurance.
I now have the 3rd party's insurance co and policy number, which Bell begrudgingly gave me.
Where do I stand now? (other than on the bikers doorstep with a large bat
)If you're not happy with the outcome or proposed outcome, ask your insurer how you make an official compaint through their complaints department/system. If your insurer is a member of Lloyds, contact Lloyd's Complaints Department on: 020 7327 5693. If they either dont allow you to make a complaint or you still disagree then you can go to the financial ombudsman and ask them to investigate.