Soldato
- Joined
- 11 May 2007
- Posts
- 9,269
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- Surrey
Do you think insurance companies give a flying about 'morals'?
First crash
- Thread starter Mr-White
- Start date
Do you think insurance companies give a flying about 'morals'?
You MUST phone your insurance company and tell them u have had a prang other wise it will void your insurance, just because u tell them though it doesnt mean u have to claim through them, and it shouldnt affect your insurance, but they need to know
I have absolutely no problem with that, you'd be a mug if you did tbh. The way I see it, if you aren't wanting to make a claim (or cover your ass in case the third party tries something fishy in the future) then they don't need to know, none of their business.
Deleted member 66701
Deleted member 66701
It's not crazy - as you're obviously driving in/through and area where accidents can happen hence more of a risk of being involved in an accident.
A car accident would be none of a CAR insurance companies business?
Tell me, what business do they run exactly? Flower arranging?
No, it wont cover incidental expenses.
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No it won't, but you could be in a world of pain if a third party claims against you and the insurance company decides to reclaim their losses from you.
call your insurance. it is a matter for them to deal with
you may also have health issues from a rear collision. so bear this in mind too.
if you avoid insurance, I cant see this character paying any compensation if you wake up tomorrow morning in agony
you may also have health issues from a rear collision. so bear this in mind too.
if you avoid insurance, I cant see this character paying any compensation if you wake up tomorrow morning in agony
That not what my insurance company told me when they phoned me, because i hadent phoned them
My car got collected today and a courtesy delivered. They gave me a 61 reg 2.0 tdi (118bhp i presume) A4 which i'm actually pretty disappointed about after driving. It's really slow, the steering is like jelly, the gear stick movement is huge when changing gear and worst of all it does less miles per gallon than my 56 reg 2.0 tdi 170. Driving to work i achieved 50mpg, the journey back in the courtesy car I only averaged 45mpg. Also the whirring noise I asked Audi to look at 6 months ago is actually a feature of this car too lol
MW
MW
These threads irritate me, why is it that people who don't have a clue what they are talking about act as if they are experts and give out advice as if it's fact?
The situation regarding premium increases seems to depend on the insurance driver as highlighted in my own experiences below:
1.) My wife got rear ended by a MAP Plant van driver as he wasn't paying attention when approaching a fork in the road - I could see him looking down whilst rolling a cig in the rear view mirror instead of looking ahead. Wife let her own insurance company deal with the claim and there was no impact on her renewal or mine (as I had to declare her accident due to her being a named driver).
2.) I was involved in an accident with a sleepy bus driver on a Sunday morning who cut a round about which resulted in him scraping up the inside of my car. A non fault specialist (Europa) took on the case and said there was sufficient evidence to proove I was not at fault but I was not happy with the way the case was being dealt with (long delays and Europa recommended I did not repair the car (which was barely a week old! in the interim) and then the bus company maliciously put a claim in with my insurance despite no damage. Bottom line was that to protect my no claims I foolishly removed my claim against them and paid for the cost of repairs myself.
I did the above thinking that I would be out of pocket for the repair work (~£800) and that would be it, how wrong was I? My insurance come renewal went up ~£150, I called admiral and asked why and they explained I was statistically more likely to be involved in another collision due to being a non-fault driver despite having never raised a claim (I just informed them of the incident as per my legal obligation).
So, to summarise, I paid £800 out of my own pocket for a half arsed repair (new wing, repaired bumper, polished wheel and light cluster) vs replacements and now have to stomach ~£150 extra a year on my insurance premium where as if I had of pursued the insurance claim at worst I would have been out my excess at ~£300 and about ~£50 /year for declaring an accident that was my fault.
People seem to assume/expect the insurance system to be fair, it's not and nor is it designed to be!
The situation regarding premium increases seems to depend on the insurance driver as highlighted in my own experiences below:
1.) My wife got rear ended by a MAP Plant van driver as he wasn't paying attention when approaching a fork in the road - I could see him looking down whilst rolling a cig in the rear view mirror instead of looking ahead. Wife let her own insurance company deal with the claim and there was no impact on her renewal or mine (as I had to declare her accident due to her being a named driver).
2.) I was involved in an accident with a sleepy bus driver on a Sunday morning who cut a round about which resulted in him scraping up the inside of my car. A non fault specialist (Europa) took on the case and said there was sufficient evidence to proove I was not at fault but I was not happy with the way the case was being dealt with (long delays and Europa recommended I did not repair the car (which was barely a week old! in the interim) and then the bus company maliciously put a claim in with my insurance despite no damage. Bottom line was that to protect my no claims I foolishly removed my claim against them and paid for the cost of repairs myself.
I did the above thinking that I would be out of pocket for the repair work (~£800) and that would be it, how wrong was I? My insurance come renewal went up ~£150, I called admiral and asked why and they explained I was statistically more likely to be involved in another collision due to being a non-fault driver despite having never raised a claim (I just informed them of the incident as per my legal obligation).
So, to summarise, I paid £800 out of my own pocket for a half arsed repair (new wing, repaired bumper, polished wheel and light cluster) vs replacements and now have to stomach ~£150 extra a year on my insurance premium where as if I had of pursued the insurance claim at worst I would have been out my excess at ~£300 and about ~£50 /year for declaring an accident that was my fault.
People seem to assume/expect the insurance system to be fair, it's not and nor is it designed to be!
*Gets out the popcorn*
If insurance companies don't play fair they should expect that a large amount of people won't play fair and 99.9999% of them will get away with it, either through not knowing they have to notify the insurance company if they pay out of their own pocket, or because they are sick of being ripped off by insurance companies.
This is another thing i was noticed when i was playing about with my quote on Admiral. If i had a FAULT claim my insurance went up by some £100, if i had a non fault claim/"notification only" on my record, it went up by around £300.
Soldato
- Joined
- 18 Feb 2007
- Posts
- 13,612
- Location
- London
I agree , considering the the cost it looks like it will be.
If it was a couple of hundred and there was an agreement between both persons to pay any costs , I would do that ,especially when you have to pay compulsory excess or voluntary excess which could cost more than the damage on the car!
I had a non fault accident in my first year of driving and notified my insurer. Thought nothing more of it until I came to buy a new car (Civic 1.5) and realised that the £700 odd I was paying came to £2000 come renewal and that was the cheap quote!
On another non fault accident a year or so later I contacted one of those helphire companies who did everything and bypassed my insurer. I even got a brand new Clio Extreme for a month at the 3rd party insurer's expense.
On another non fault accident a year or so later I contacted one of those helphire companies who did everything and bypassed my insurer. I even got a brand new Clio Extreme for a month at the 3rd party insurer's expense.
Just checked,
Putting a "Notification only" £1000 claim (which would have been paid out of my pocket) and not losing 2 years NCB onto my insurance adds £240.
Putting a "Fault claim - damage to my car and other car" of £2500 loss with full loss of NCB it adds....£240.
So in affect, if you were sitting at the traffic lights minding your own business and have someone rear end you, the insurance company seem to think that you are as much of a risk on the road as the person that wasn't concentrating and rear ended you.
Putting a "Notification only" £1000 claim (which would have been paid out of my pocket) and not losing 2 years NCB onto my insurance adds £240.
Putting a "Fault claim - damage to my car and other car" of £2500 loss with full loss of NCB it adds....£240.
So in affect, if you were sitting at the traffic lights minding your own business and have someone rear end you, the insurance company seem to think that you are as much of a risk on the road as the person that wasn't concentrating and rear ended you.
You should have also declared this one to your insurance company too. And then bent over whilst they took your money off you for no obvious reason.
It's stuff like this that annoys me when the MIB whine on about how many people there are uninsured on our roads. Do they really think people have the money to pay an extra £1300 on their insurance for a NON FAULT claim? I'm definitely not condoning driving uninsured as it's a major pet hate of mine, although when people are faced with an increase of thousands of pounds to their premium for something they had no control over, i can see why some do take to the roads uninsured.