insurance nightmare!
15 February 2011, 11:09 PM
#31
That's what the insurance companies are working on currently, as the law is on the side of the claimant.
Is someone is genuinely injured they deserve every penny they get. It's the fraudulent claims that are causing problems.
The fradulent claims seem to come from certain areas, so most insurers are either refusing to quote in those areas, or increasing the prices there to cover themselves.
Is someone is genuinely injured they deserve every penny they get. It's the fraudulent claims that are causing problems.
The fradulent claims seem to come from certain areas, so most insurers are either refusing to quote in those areas, or increasing the prices there to cover themselves.
15 February 2011, 11:38 PM
#33
I sorry for my 19 year old neighbour,he passed his test 6months ago, they quoted for a 1.2 x reg corsa£4000 ish,now after waiting to save a bit of cash they have quoted an unbelievable £9000 for a 1.2 fiat punto t reg was the highest quote he got .the lowest so far for a punto was£6000,to put it into perpective he earns £9500 per year before the government get their share.
16 February 2011, 12:31 AM
#34
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Nope.
Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.
It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO
Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.
It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO
16 February 2011, 12:38 AM
#35
Most people who have claims are good drivers, and rarely have claims. But it only takes one claim to equal a big payout.
Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?
Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?
16 February 2011, 12:46 AM
#36
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The biggest problem with the un-insured drivers is that if you're hit by one it's down to the company who last insured that car to pay the claim.
The insurers can take the un-insured driver to court to re-claim their costs, but the judge is likely to make them pay the money back at £1 per week, so the insurers won't get their money back for many many years.
The insurers can take the un-insured driver to court to re-claim their costs, but the judge is likely to make them pay the money back at £1 per week, so the insurers won't get their money back for many many years.
16 February 2011, 12:59 AM
#37
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Most people who have claims are good drivers, and rarely have claims. But it only takes one claim to equal a big payout.
Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?
Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?
16 February 2011, 06:37 AM
#38
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I got hit by an uninsured driver once. The Motor Insurers' Bureau paid my damages, although there was a cap to how much they paid. It is my understanding that all insurance companies must pay into the pot the MIB have to pay out for uninsured drivers. This will be added onto our premiums of course so we all pay for uninsured drivers.
http://www.mib.org.uk/Company+Inform...en/Default.htm
The thing that annoys me with some insurance companies, is when it's time for renewal. They tell you this is their best price, but this may be quite alot more than the year before. If you shop around and find it cheaper, when you ring to say you won't renew, they tell you they will match the price without hesitation. This happened to me a few years ago. Price went up £300, shopped around and found it £300 cheaper. Called to say I won't renew and they knocked £300 off straight away. Still went with new company on principal.
http://www.mib.org.uk/Company+Inform...en/Default.htm
The thing that annoys me with some insurance companies, is when it's time for renewal. They tell you this is their best price, but this may be quite alot more than the year before. If you shop around and find it cheaper, when you ring to say you won't renew, they tell you they will match the price without hesitation. This happened to me a few years ago. Price went up £300, shopped around and found it £300 cheaper. Called to say I won't renew and they knocked £300 off straight away. Still went with new company on principal.
16 February 2011, 08:55 AM
#39
I dont think it matters a jot how costly a car is to maintain, a crash is a crash.
16 February 2011, 09:34 AM
#40
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And to be honest, its not just performance cars - my Jeep is very expensive to insure. Why its group 17 I've no idea. Some quotes on my Jeep are cheaper than for a UK turbo.
Best I can get on a UK turbo is £500 (Jeep £492
) and I'm clean as a whistle and live in a low crime area. It also seems TPFT is a waste of time these days as it just adds £50+ to the premium. If someone writes my Jeep off it will be a devil of a job getting any more than 50p out of them 
I know you said some of it is to recoup losses through the comparison site war but I think its starting to take the pi55 a bit. If that is the case, is there ever going to be a time when they reduce the premiums? It also doesn't help they raise premiums just at the worst point in UK economic history!
16 February 2011, 09:36 AM
#41
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simple
car insurance is for cars
personal injury insurance should be sold as separate
(i.e you insure yourself against any injury if you havent got it you cant claim)
not hard to work out!
goverment need to sort this as its a joke
car insurance is for cars
personal injury insurance should be sold as separate
(i.e you insure yourself against any injury if you havent got it you cant claim)
not hard to work out!
goverment need to sort this as its a joke
Last edited by phil739; 16 February 2011 at 09:37 AM.
16 February 2011, 09:40 AM
#42
16 February 2011, 09:45 AM
#44
I know you said some of it is to recoup losses through the comparison site war but I think its starting to take the pi55 a bit. If that is the case, is there ever going to be a time when they reduce the premiums? It also doesn't help they raise premiums just at the worst point in UK economic history!
The quality of driving in the last 5-6 years has gone down hill massively (IMO) and couple that with increased costs it doesn't look great.
16 February 2011, 09:55 AM
#45
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This injury claim business needs sorting out really - can't the doctors report bit be sharpened up?
They have huge rows on OCUK Motors forum over whippo claims.
16 February 2011, 10:08 AM
#46
More bumper to bumper to knocks, and the claims culture means more people claim PI for it.
As for the doctors, some of these no-win-no-fee companies (only a small amount, most are above board) have certain doctors they send their clients to, who will always do a letter saying you have whiplash, even if you weren't in the car!!!
There were 400,000 whiplash claims in 2010 (whiplash only, so excluding any other injury) with an average payout of £5k including legal fees, which cost the insurers £2bil, which is 20% of the premium you pay.
Like i said, if someone is genuinely injured they certainly deserve to be compensated, but it's the fradulent claims that cause issues, and they all seem to come from certain postcodes, which insurers are now refusing to quote for.
As for the doctors, some of these no-win-no-fee companies (only a small amount, most are above board) have certain doctors they send their clients to, who will always do a letter saying you have whiplash, even if you weren't in the car!!!
There were 400,000 whiplash claims in 2010 (whiplash only, so excluding any other injury) with an average payout of £5k including legal fees, which cost the insurers £2bil, which is 20% of the premium you pay.
Like i said, if someone is genuinely injured they certainly deserve to be compensated, but it's the fradulent claims that cause issues, and they all seem to come from certain postcodes, which insurers are now refusing to quote for.
16 February 2011, 10:23 AM
#47
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My wife made a claim being a passenger of a car that was in an accident. Her neck and shoulders play up from time to time and she uses heat patches. Whether its a derserved claim or not, her neck wasn't like that before.
Would that affect my insurance being at the same post code?
If its post code areas I suppose we get lumped in with Swansea - ug!
16 February 2011, 11:39 AM
#49
Nope.
Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.
It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO
Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.
It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO
So - whats the point of the Motor Insurance Bureau then?
16 February 2011, 11:42 AM
#50
It certainly helps, but people still get away with it.
I've spoken to people who have been driving for 3-4 months with no insurance as they didn't realise it had run out, and they haven't been pulled over in that time
I've spoken to people who have been driving for 3-4 months with no insurance as they didn't realise it had run out, and they haven't been pulled over in that time
Last edited by Moley; 16 February 2011 at 11:43 AM.
16 February 2011, 05:09 PM
#51
Obviously, people like Admiral, Elephant, Bell will swap info - they're the same group.
I'm with Admiral multi-car and it's the cheapest way to do it. Just as a check, I craftily got a quote with them last week for a single car policy, using same postcode but 2 doors along and obviously a different name, identical car with the same declared mods etc, etc and I was quoted less than I paid last year! I shall negotiate on this basis when re-newal time comes.
JohnD
I'm with Admiral multi-car and it's the cheapest way to do it. Just as a check, I craftily got a quote with them last week for a single car policy, using same postcode but 2 doors along and obviously a different name, identical car with the same declared mods etc, etc and I was quoted less than I paid last year! I shall negotiate on this basis when re-newal time comes.
JohnD
16 February 2011, 05:33 PM
#52
Hi all, newbie here, currently driving a Stilo Abarth but lurking round here as I'm potentially hoping to be able to get an impreza sometime later this year (05 sti ppp is what I'm aiming for).
Anyway just feel like having an insurance rant... mines gone up from £330 to £580 in 3 years of claim free motoring, just spent all afternoon on the comparison sites putting all my details endlessly in, only for most of them to eventually say "cant proceed with payment on-line please phone...." GRRRRR
Got one acceptable quote from sheilas wheels - £440 with £400 excess, thought I'd just see if increasing my excess would reduce it anymore and the quote went UP!
Put my excess back to the original £400 and in the few seconds it had took me to do this my original quote had then gone up by £20!!!
I know insurance prices are rising all the time but to actually watch a price going up before your very eyes is getting a bit mental!
Anyway just feel like having an insurance rant... mines gone up from £330 to £580 in 3 years of claim free motoring, just spent all afternoon on the comparison sites putting all my details endlessly in, only for most of them to eventually say "cant proceed with payment on-line please phone...." GRRRRR
Got one acceptable quote from sheilas wheels - £440 with £400 excess, thought I'd just see if increasing my excess would reduce it anymore and the quote went UP!
Put my excess back to the original £400 and in the few seconds it had took me to do this my original quote had then gone up by £20!!!
I know insurance prices are rising all the time but to actually watch a price going up before your very eyes is getting a bit mental!
16 February 2011, 05:53 PM
#53
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Moley just a general insurance question, I've recently been in an non-fault accident. Will this go against me when it comes to renewing with my insurance company?
16 February 2011, 08:59 PM
#56
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this is going to sound bad but at the mo i pay less then £450 a year on my import wrx (95) if my insurance goes up to over £600 when i renew in may its buy buy impreza i wont be taken for a mug after 11 yrs of claim free driving.i do over 800 miles a week in my work van and i see some real a55holes but have never claimed so why should i suffer. i dont protect my no claims ether....
i wont be taken for a mug after 11 yrs of claim free driving.i do over 800 miles a week in my work van and i see some real a55holes but have never claimed so why should i suffer. i dont protect my no claims ether....
16 February 2011, 09:05 PM
#57
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http://news.bbc.co.uk/local/leeds/hi...00/9372201.stm
its really becoming disgusting now :/
i thought 800quid for my 1st motors car insurance was bad back in 99!
its really becoming disgusting now :/
i thought 800quid for my 1st motors car insurance was bad back in 99!
16 February 2011, 09:18 PM
#58
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high insurance prices will mean more people will drive without any insurance,very true but why cant we have something like the usa where you have 2 pay the insurance/tax via the number plate?
16 February 2011, 09:21 PM
#60
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http://news.bbc.co.uk/local/leeds/hi...00/9372201.stm
its really becoming disgusting now :/
i thought 800quid for my 1st motors car insurance was bad back in 99!
its really becoming disgusting now :/
i thought 800quid for my 1st motors car insurance was bad back in 99!
Not only are young drivers more likely to claim but the average cost is much higher too. Graeme's figures state that the average claim is £1,300 for a man over 50, yet for a man aged 17-19 it is £3,433.
Insurance is ****, too expensive to have and too expensive to use.