Insurance, what's the ****ing point - Time for a rant
Discussion
<rant>
Ok so earlier on this week, I parked up my car in a car park outside my gym. Come back to the car later to find some t
t has scraped down the side of my car and not left a note. Damage sustained to front wing and drivers door, mainly paint work damage that will need a respray and light dent in the door so nothing major but enough to really fk me off given that I like to keep my cars pristine. Something like £350 - £450 to put right I'm told by the local body shop.
I went back to the gym on Wed night to ask about CCTV coverage. 'Yes' I'm told, 'cameras do cover the car park but not sure where they were pointing at the time so unsure whether they will be on it'. I say fine, any chance someone could look at the footage? Essentially the answer is yes but they will have to be asked for the footage by either the police or my insurance company - I'm OK with this, this sounds sensible.
Went down to local police station today, spoke to a very helpful police officer who took me through the process or filing an accident report. I'm told they will in turn ask for the footage and see what gives. In the process I'm told to notify my insurance company so that they too can request the footage, a multi-pronged attempt if you will that will hopefully end up catching the wker that did it.
So far so good your thinking.
Cue chat with lady at insurance company who informs me that she would love to help me if it wasn't for the fact that to even pick up the phone / put pen to paper and ask the gym for the footage, she is going to need to open a claim on my file. 'Right' I say, 'and does that mean that this will stay on my record irrespective of outcome?' - 'Yes' comes the response, 'even if we get the evidence we need and can claim back all damages from the 3rd party insurer, a claim will still exist on your account and other insurance will be able to see this in the future'
At this point my piss starts to boil as it begins to transpire that all I can really do is wait and see what, if anything, the police can turn up, but..... even if they do find who it is and they turn out to have insurance, I cant get the money off him/her without initiating a claim with my insurer which in turn means a record against me for god knows how long and all the lovely increases to premiums that will come along with it (I've got 9 years no claims at the moment and, touch wood, have not got it wrong since passing 10 years ago).
Oh and to top it off, by the sounds of it, even if they find in my favour (who the else's fking favour is it going to go in when I wasn't in the car?!?) and manage to claim back costs from the other insurance company, I still have to pay the excess on my premium!!
So to sum up, I either pay £350 - £450 to have it sorted privately or pay my insurance company a £350 excess and get them to investigate, possibly find out who did it and then irrespective of outcome put a claim on my record & put my premiums up for years to come. Is it me or is this just fking madness? Is it any wonder people don't bother with insurance in the first place!!!
</rant>
P.s I'm still fking seething.
Ok so earlier on this week, I parked up my car in a car park outside my gym. Come back to the car later to find some t
t has scraped down the side of my car and not left a note. Damage sustained to front wing and drivers door, mainly paint work damage that will need a respray and light dent in the door so nothing major but enough to really fk me off given that I like to keep my cars pristine. Something like £350 - £450 to put right I'm told by the local body shop.I went back to the gym on Wed night to ask about CCTV coverage. 'Yes' I'm told, 'cameras do cover the car park but not sure where they were pointing at the time so unsure whether they will be on it'. I say fine, any chance someone could look at the footage? Essentially the answer is yes but they will have to be asked for the footage by either the police or my insurance company - I'm OK with this, this sounds sensible.
Went down to local police station today, spoke to a very helpful police officer who took me through the process or filing an accident report. I'm told they will in turn ask for the footage and see what gives. In the process I'm told to notify my insurance company so that they too can request the footage, a multi-pronged attempt if you will that will hopefully end up catching the w
ker that did it. So far so good your thinking.
Cue chat with lady at insurance company who informs me that she would love to help me if it wasn't for the fact that to even pick up the phone / put pen to paper and ask the gym for the footage, she is going to need to open a claim on my file. 'Right' I say, 'and does that mean that this will stay on my record irrespective of outcome?' - 'Yes' comes the response, 'even if we get the evidence we need and can claim back all damages from the 3rd party insurer, a claim will still exist on your account and other insurance will be able to see this in the future'
At this point my piss starts to boil as it begins to transpire that all I can really do is wait and see what, if anything, the police can turn up, but..... even if they do find who it is and they turn out to have insurance, I cant get the money off him/her without initiating a claim with my insurer which in turn means a record against me for god knows how long and all the lovely increases to premiums that will come along with it (I've got 9 years no claims at the moment and, touch wood, have not got it wrong since passing 10 years ago).
Oh and to top it off, by the sounds of it, even if they find in my favour (who the else's f
king favour is it going to go in when I wasn't in the car?!?) and manage to claim back costs from the other insurance company, I still have to pay the excess on my premium!!So to sum up, I either pay £350 - £450 to have it sorted privately or pay my insurance company a £350 excess and get them to investigate, possibly find out who did it and then irrespective of outcome put a claim on my record & put my premiums up for years to come. Is it me or is this just f
king madness? Is it any wonder people don't bother with insurance in the first place!!!</rant>
P.s I'm still f
king seething. Muska said:
As a side note , under the freedom of information blah blah blah I always thought you could request a copy of any cctv footage. At least then you can find out if it's worth claiming.
Yep, any footage which you are in you are entitled to have a copy of. There may be a nominal charge made by the holders of the footage to supply the copy.
FreeLitres said:
Sounds about right.
Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
He'd still need to inform the insurer an incident had happened, his premium would increase because his details are a higher risk i.e. he parks his car in a car park where other people with bad morals will scratch a car and drive off.Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
fridaypassion said:
Always tempting to just get 100 quid snotter from the auctions and just deal with the bi annual £200 fines for no insurance.
How I want to do this, just currently I don't want to have any criminal record, because of needing to gain entry to another country.However, if I was wanting to stay in the UK, why not this the way to go?
WhoseGeneration said:
fridaypassion said:
Always tempting to just get 100 quid snotter from the auctions and just deal with the bi annual £200 fines for no insurance.
How I want to do this, just currently I don't want to have any criminal record, because of needing to gain entry to another country.However, if I was wanting to stay in the UK, why not this the way to go?
ZOLLAR said:
FreeLitres said:
Sounds about right.
Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
He'd still need to inform the insurer an incident had happened, his premium would increase because his details are a higher risk i.e. he parks his car in a car park where other people with bad morals will scratch a car and drive off.Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
Are you telling me that next time I fill out one of those confused.com forms I have to say that I have been involved in an accident?
If this is the case, surely it leaves me with no option but to claim?
What difference will a protected no claims make?
Legally you have to inform them of any accident you are involved in. Leave it blank and if anything ever transpires just say 'i wasnt in the car, i wasnt involved in a crash' can't really argue with that.
I've had two people crash into me in 2 years, there is no chance i'm paying £300 more on MY insurance because of them.
I've had two people crash into me in 2 years, there is no chance i'm paying £300 more on MY insurance because of them.
tomwoodis said:
ZOLLAR said:
FreeLitres said:
Sounds about right.
Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
He'd still need to inform the insurer an incident had happened, his premium would increase because his details are a higher risk i.e. he parks his car in a car park where other people with bad morals will scratch a car and drive off.Even if you repaired it all yourself, would it be noted on the insurance as an accident? After all, they DO know about it now...
Are you telling me that next time I fill out one of those confused.com forms I have to say that I have been involved in an accident?
If this is the case, surely it leaves me with no option but to claim?
What difference will a protected no claims make?
The question asked usually by insurers/comparison sites is "In the last 3/5 years regardless of fault have there been any accidents,losses thefts incidents or claims for any of the drivers on the policy".
Its likely to increase future premiums so you may aswell well claim, if you have protected NCB it will count a your 1st strike (thats if they don't catch the other person) so you'll still get your discount at renewal but your premium may be higher.
edit for speeling
Edited by ZOLLAR on Friday 22 October 21:58
GKP said:
Muska said:
As a side note , under the freedom of information blah blah blah I always thought you could request a copy of any cctv footage. At least then you can find out if it's worth claiming.
Yep, any footage which you are in you are entitled to have a copy of. There may be a nominal charge made by the holders of the footage to supply the copy.http://www.ico.gov.uk/upload/documents/library/dat...
I would have thought by now anyone who had read posts on insurance knows that in the event of a minor claim the only thing to do is keep quiet and grin and bare it! If it's not reported them it didn't happen!
The insurers now consult s database Which can be checked when taking out a new policy, if they find that you have made a false declaration then the policy can be canceled without any refund. Just don't have accidents! Simples!
The insurers now consult s database Which can be checked when taking out a new policy, if they find that you have made a false declaration then the policy can be canceled without any refund. Just don't have accidents! Simples!
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