Insurance daylight robbery?
#1
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Insurance daylight robbery?
Hi
follow up to my accident at xmas where is slid on the ice and made contact with another car, just got my rewnewal today saying that i have 3 years no claims? i phoned them up to say that i joined them with 10 years no claims. They told me the new figure was correct as they onlly count 5 years so i have effectively lost 7 years no claims, what a load of ****. I also asked about the claim cost, i didnt claim as it was only scraped paint on my car and a scratch in the fog cover, the other car had his passenger rear door paint scrapped down the middle. Wanna know how much they paid out for a door respray/change after an accident at 5 mph..............£2620!!!!! his car was only worth about £1000 go figure.
follow up to my accident at xmas where is slid on the ice and made contact with another car, just got my rewnewal today saying that i have 3 years no claims? i phoned them up to say that i joined them with 10 years no claims. They told me the new figure was correct as they onlly count 5 years so i have effectively lost 7 years no claims, what a load of ****. I also asked about the claim cost, i didnt claim as it was only scraped paint on my car and a scratch in the fog cover, the other car had his passenger rear door paint scrapped down the middle. Wanna know how much they paid out for a door respray/change after an accident at 5 mph..............£2620!!!!! his car was only worth about £1000 go figure.
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I'm in a similar situation. Had an accident in 2008, the fault was being disputed with third party. I paid my excess to get the claim processed and lost my no claims from 5 yrs to 2 yrs.
My insurance has gone up from around £700 to £1350. This week I got a letter from my insurance company who I was with in 2008 to say they have recovered the total cost from third party's insurance and reinstated my No Claims Bonus.
This means I now have 7 years ncb. I ring up Admiral as I am with them now, tell them my ncb is now 7 years and I would like them to adjust my policy and refund the difference......
"Sir I have adjusted what you say, but the premium is remaining the same as before. I am not be crediting your account."
How the F*** does that work. If it was the other way around and I was insured with 7 yrs ncb and rang them to tell them its actually 3 yrs ncb, would they not want more £££s off me?
My insurance has gone up from around £700 to £1350. This week I got a letter from my insurance company who I was with in 2008 to say they have recovered the total cost from third party's insurance and reinstated my No Claims Bonus.
This means I now have 7 years ncb. I ring up Admiral as I am with them now, tell them my ncb is now 7 years and I would like them to adjust my policy and refund the difference......
"Sir I have adjusted what you say, but the premium is remaining the same as before. I am not be crediting your account."
How the F*** does that work. If it was the other way around and I was insured with 7 yrs ncb and rang them to tell them its actually 3 yrs ncb, would they not want more £££s off me?
#3
I was wondering whether the car manufacturers have decided that charging the earth for replacement parts is a new way for them to make money. Someone ran into the back of my Citroen before Xmas. Only the rear bumper (and mounts etc) and a fog light needed replacing but the total bill was nearly £1500 - and over £800 of that was the bumper and ancilliaries. I find that ridiculous on a car that only cost about £14K new - surely an unpainted bumper shouldn't be nearly 6% of the cost of the car, even allowing for the supply chain costs. It's no wonder our insurance premiums are going through the roof.
#4
An extra NCD for me this year equated to around £120 difference from the previous year. I thought it would have been more than that!
But yes, Insurance is ridiculous. But, we make our choice.....
But yes, Insurance is ridiculous. But, we make our choice.....
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prices are rising anyway. so extra ncd doesnt count much at the moment. will have a benifit though. and i know what you guys mean, we only use 5 yrs max ncd. so a claim knocks you back by 2 years and so forth. did you not have protection?
#7
You had 10 years no claims discount and you didn't have it protected?
As I understand it most Insurance Companies will deduct 3years discount if you register a claim and they will allow you to protect your NCD once you have about 5years so why not protect it.
As I understand it most Insurance Companies will deduct 3years discount if you register a claim and they will allow you to protect your NCD once you have about 5years so why not protect it.
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#10
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Sadly for me I was deployed overseas doing counter drug ops so the wife arranged it all, i didnt get back until over a month into the policy and of course she hadnt protected and also had a £600 excess. Protected or not i still think its horse **** that someone can have 9 gusting 10 years without a claim or an accident and then end up with 3. Thankfully i did phone Gary and he sorted me out with a good quote.
#11
I had one of these claims management companies working for me to recover my excess from the guy who ran into the back of my Citroen. I could almost hear them sobbing at the other end of the phone when I told them neither I nor my son who was in the car with me at the time had any injuries and that the car was driveable so I didn't need a hire car. Apart from the excess the only costs I had to recover were some taxi fares to get to and from the body shop when dropping off and picking up the car - and the idiots lost the receipts so now can't reclaim this. They did get the excess back fairly quickly though.
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hello i have just renewed the insurance on my wife's 2003 wrx blobeye i thought the renewal price was stupid at just over £700 i'm 36 full ncb's and clean license my wife is 32 again clean license i thought it a bit pricey so had a shop round keith michaels,a plan,hic flux etc all coming out at silly money managed to get it down to just over£600 through royal mail insurance but i was only paying 450-500 a couple of years ago on our old bugeye then i have just read this (http://www.thatcham.org/research/index.jsp?page=33) coincidental that policys have gone up with new insurance groupings didn't the same happen early 90's when they changed from 7 groups to 20
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