I don't belieeeeeve it!
Discussion
Gentlemen -
I don't believe it!
I recently posted an enthusiastic note about how pleased I was with the insurance I had arranged and quoted two sources as being both pleasant to deal with and helpful. I paid a reasonable £200 with a good portfolio of benefits - commencing 8 June 2009.
Now the insurance company wants to add £36.75 to the premium!
Apparently this is for not disclosing an 'incident' concerning my Aston Martin that happened on 21 May 2009. Whilst nicely and legally parked (and with me away from the car) my Aston was driven into by another party who left the scene. I contacted my broker to seek advice and stated that I may not make a claim as my total excess is £750 and I might just pay to get it done myself, even though the quotes I have had range from £1,500 to £1,900. I have so far NOT made a claim.
Sorting this problem out and trying to find the culprit is still ongoing. Essex Police, as usual, are doing absolutely nothing even though the use of the PNC would most likely be of some significant help.
The insurance company apparently carried out a search of the Claims Underwriting Exchange Database. The broker has written to me inferring that I have been dishonest in not disclosing this.
I did not attempt at any time set out to withold any information from the isurance broker / company.
My own interpretation of the situation is that a contract between myself and the insurance broker, including the insurance company, exists and that this contract has been agreed by both parties and therefore cannot subsequently be changed.
I have been told that if I refuse to pay the supplement, I will be sent repeat demands cuminating in debt collection procedures.
I wonder what your thoughts might be.
JJ
I don't believe it!
I recently posted an enthusiastic note about how pleased I was with the insurance I had arranged and quoted two sources as being both pleasant to deal with and helpful. I paid a reasonable £200 with a good portfolio of benefits - commencing 8 June 2009.
Now the insurance company wants to add £36.75 to the premium!
Apparently this is for not disclosing an 'incident' concerning my Aston Martin that happened on 21 May 2009. Whilst nicely and legally parked (and with me away from the car) my Aston was driven into by another party who left the scene. I contacted my broker to seek advice and stated that I may not make a claim as my total excess is £750 and I might just pay to get it done myself, even though the quotes I have had range from £1,500 to £1,900. I have so far NOT made a claim.
Sorting this problem out and trying to find the culprit is still ongoing. Essex Police, as usual, are doing absolutely nothing even though the use of the PNC would most likely be of some significant help.
The insurance company apparently carried out a search of the Claims Underwriting Exchange Database. The broker has written to me inferring that I have been dishonest in not disclosing this.
I did not attempt at any time set out to withold any information from the isurance broker / company.
My own interpretation of the situation is that a contract between myself and the insurance broker, including the insurance company, exists and that this contract has been agreed by both parties and therefore cannot subsequently be changed.
I have been told that if I refuse to pay the supplement, I will be sent repeat demands cuminating in debt collection procedures.
I wonder what your thoughts might be.
JJ
I forgot to mention:-
I must also send a photocopy of both the paper (can't find it!) and card portion of my driving licence
Send full details of the incident and a written statement as to why the incident was not disclosed
Pay additional premium £36.75
What a kerfuffle! All this and extra premiums now and in the future (presumable because I'm seen as an extra risk) because some duffer drives into my Aston. Help me please. Give me strength.
Time to get the shotgun out!
JJ
I must also send a photocopy of both the paper (can't find it!) and card portion of my driving licence
Send full details of the incident and a written statement as to why the incident was not disclosed
Pay additional premium £36.75
What a kerfuffle! All this and extra premiums now and in the future (presumable because I'm seen as an extra risk) because some duffer drives into my Aston. Help me please. Give me strength.
Time to get the shotgun out!
JJ
often theres a 30 day cool off period where you can opt out of your contract, can you cancel & go else where, it stinks, if you have the money theres probably a case there but a solicitor would be even dearer, but as you rightly say theres a principle & the insurance companies certainly dont care.
JJ, I have had a similar situation, though in my case the third party most definitely was identified.
Their problem I thing is that you have an outstanding action, when this is settled in your favour you can recoup the £36 from the brokers.
From a legal perspective there isn't much leeway, you were the driver when you parked the car and therefore there is theoretically some liability (although it seems that you're in the right), until the case is finalised you do have to disclose all this stuff. Better it's sorted and above board now than when you have to make a claim and then they refuse to pay out.
Their problem I thing is that you have an outstanding action, when this is settled in your favour you can recoup the £36 from the brokers.
From a legal perspective there isn't much leeway, you were the driver when you parked the car and therefore there is theoretically some liability (although it seems that you're in the right), until the case is finalised you do have to disclose all this stuff. Better it's sorted and above board now than when you have to make a claim and then they refuse to pay out.
[quote]Essex Police, as usual, are doing absolutely nothing even though the use of the PNC would most likely be of some significant help.
[/quote]
Damn, you'd think with all that Orwellian bullsh|t you unfortunate Brit's have to go through, all of your gazzilion traffic Scameras, facial recognition cameras, licence plate reading cameras etc would have caught the culprit and cross referenced him with the national DNA database by now.
I'd be asking for my taxpaying dollars... err pounds back!
[/quote]
Damn, you'd think with all that Orwellian bullsh|t you unfortunate Brit's have to go through, all of your gazzilion traffic Scameras, facial recognition cameras, licence plate reading cameras etc would have caught the culprit and cross referenced him with the national DNA database by now.
I'd be asking for my taxpaying dollars... err pounds back!
Edited by Brap_Brap on Saturday 4th July 04:57
Interesting thoughts chaps!
Also of note is that the Aston was parked close to a car parts shop/depot on the public road. The shop has several CCTV monitors. Unfortunately, the proprietor of the establishment was unable to download the tapes and his computer 'expert' was away. Rather disappointing also is that the CCTV system overwrites itself after a few days!
The WPC handling the case called last night and I asked her to try the PNC for a 90s VW camper van in ivory/cream/beige in the N.E. Essex area as it is thought to be local. There can't be many about as most of these camper van jobbies are Fiat and Peugeot with a few Mercs thrown in, though these are usually european.
The £36.75 is an additional premium for the Wedge which was insured recently for £200 - and it has supposedly been triggered by my non-disclosure of the Aston incident. It is not an additional premium for the Aston which does need the insurance renewing soon. Being treated like a criminal when you have at all times acted in good faith is rather unpleasant.
I do hope this sort of thing does not happen to any of you.
JJ
Also of note is that the Aston was parked close to a car parts shop/depot on the public road. The shop has several CCTV monitors. Unfortunately, the proprietor of the establishment was unable to download the tapes and his computer 'expert' was away. Rather disappointing also is that the CCTV system overwrites itself after a few days!
The WPC handling the case called last night and I asked her to try the PNC for a 90s VW camper van in ivory/cream/beige in the N.E. Essex area as it is thought to be local. There can't be many about as most of these camper van jobbies are Fiat and Peugeot with a few Mercs thrown in, though these are usually european.
The £36.75 is an additional premium for the Wedge which was insured recently for £200 - and it has supposedly been triggered by my non-disclosure of the Aston incident. It is not an additional premium for the Aston which does need the insurance renewing soon. Being treated like a criminal when you have at all times acted in good faith is rather unpleasant.
I do hope this sort of thing does not happen to any of you.
JJ
As it would happen, the renewal for the Aston Martin insurance has been drawing closer, and this little episode of inadvertantly not mentioning whilst insuring the Wedge that the Aston had been hit whilst parked with me not in attendance has created havoc!
The broker that insured the car last year sent a renewal notice at what appeared to be a reasonable premium (barring the fact that it was quoted as a stage payment set-up with an additional cost of about £90 - £100 on top of the cash premium). Trouble is they then later said that the same insurance company, Groupama would not quote for the Aston. This was presumably down to the record of the bump on the Aston, though no claim has been made. As I had been in touch with Groupama regarding the bump to the Aston I spoke to them on several occassions passing on this information to them. They maintained that they were happy to quote having accepted that no claim had been made for the bump to the Aston.
Said insurance broker then quoted £1400 odd with Groupama, and then denied that I had been sent a Groupama offer via a renewal notice. I have the paperwork! Groupama have been helpful all long, by the way.
The lesson here is - beware of insurance brokers as they can really get you in a twist. I can say quite categorically that there are some seriously dishonest people out there - I have even had a broker saying to me that I didn't say this and that when I have.
Whilst we all like to negotiate a good deal and try to get a bargain, at the end of the day it may be better after all to keep to who we know, even if it may cost a little more. I have now gone back to a broker I used in the past, and they have worked diligently to sort things out.
JJ
The broker that insured the car last year sent a renewal notice at what appeared to be a reasonable premium (barring the fact that it was quoted as a stage payment set-up with an additional cost of about £90 - £100 on top of the cash premium). Trouble is they then later said that the same insurance company, Groupama would not quote for the Aston. This was presumably down to the record of the bump on the Aston, though no claim has been made. As I had been in touch with Groupama regarding the bump to the Aston I spoke to them on several occassions passing on this information to them. They maintained that they were happy to quote having accepted that no claim had been made for the bump to the Aston.
Said insurance broker then quoted £1400 odd with Groupama, and then denied that I had been sent a Groupama offer via a renewal notice. I have the paperwork! Groupama have been helpful all long, by the way.
The lesson here is - beware of insurance brokers as they can really get you in a twist. I can say quite categorically that there are some seriously dishonest people out there - I have even had a broker saying to me that I didn't say this and that when I have.
Whilst we all like to negotiate a good deal and try to get a bargain, at the end of the day it may be better after all to keep to who we know, even if it may cost a little more. I have now gone back to a broker I used in the past, and they have worked diligently to sort things out.
JJ
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