My Car gets Stolen from Honda and my Insurance gos up? Why

[Batlamb]

Hello All

I was just wondering if I could get some advice from yourselves regarding my Car Insurance.

Last year I had a Honda Civic Type R which went in to the Honda Dealer for some work and a couple of weeks later I am told that it has been stolen. So I get the money of the Dealer for the Car and thats the end of that. But my insurance company has now say it will go on my record (costing me £50 a year and more if I want something better then my naff Ford Ka) and the reason for it being on my record (not because I claimed off the Insurance) is because I am more likely to get my Car stolen again.

What can I do to get it off my record and not have to fork out so much money to these sharks?

Any advice would be most grateful.

[Batlamb]

Hey Guys

The car was in for a while as a van went in to it and it needed the whole side of the car changed. The car was never found sadly as I ruddy well loved it. I have written a letter to my Insurance Company asking them to give me a reason for it. I did get in contact with Honda about the whole mess and they were not even that bothered about it which quite shocked me. I guess I am going to have to grin and bear the cost which is a joke.

Thank you for the advice.

[Batlamb]

Oakey said:

mattmoxon said:

Oakey said:

I'm sturggling to understand how a car that had a van go into the side of it and needed 'the entire side' changed could be 'stolen'.

Who would steal a crashed Civic?

Possibly it was stolen after it had been fixed?

Where was security?

CCTV?

One minute it's there, then it's not. What happened in the time between?

How was it stolen?

Also, he's complaining the cost of his insurance has gone up because the car was stolen... surely his costs would have gone up anyway from the claim he'll make against the van writing off 'the entire side' of his car? Or declaring he's been in an accident?

Once the car was fixed it was stolen from an open yard with just a gate, The building was broken in to and the keys were taken. The van is down on my insurance which I don't have a problem with. But with having it stolen a month after that it has put the insurance up way more. I had to tell the Insurance company the car was stolen as at the time I did not know what to do and to be honest no one else did either. I just think its rude that I have another claim on my insurance when The car was left with Professional (Well I dont think this now) and my insurance company did nothing to help me. If I get a reply from the Insurance company I will let you guys know what it says.

[Batlamb]

LeoSayer said:

I'm struggling to understand how your insurance company can justify loading your premium for your car getting stolen when 1) it wasn't in your care at the time 2) it was covered by the garage's insurance 3) you haven't claimed 4) it was stolen whilst being repaired under their insurance.

How much extra are they charging you for the fact that it was stolen?

At the moment an extra £50 as I am driving a Ford Ka. But if I decided to change it to a Audi TT or a Boxster who know how much it will go up.

[Batlamb]

vxrandy said:

Have you spoken with Honda uk, they may be able to lean on the dealer.

I have been in contact with them about it and they dont want anything to do with it as in their eyes it is down to the dealer and not themselves to deal with it.

[Batlamb]

Truffles said:

You have suffered loss due to the garage's negligence. They are liable. If they won't compensate you for increased future premiums, take them to court. It is very easy nowadays. Start at https://www.moneyclaim.gov.uk/web/mcol/welcome. I doubt they will bother to defend the action, in which case you get judgement in default.

Cheers Truffles. I will see what happens and I might go down this road. I shall keep you all posted.

[Batlamb]

pestman77 said:

Insurance companies will always find a way or reason to charge you more, I had a claim go against me last year that I did not even know about til it had gone through!! seriously!! App I went into the back of BMW on the M4, 1st I knew about it was when I renewed my insurance, couldnt believe it...

The insurance company said that they had sent letters and had no reply, heaven forbid they try and use a telephone!!! Tried to fight it ...No joy!!!

Any one out there fishing around for insurance avoid AUTONET insurance....

Unfortunatley I had other vehicles insured with them that I dont even drive, guess what?? the premiums went up on those as well.....

To top it off insurance companies are no better than the taxman, the government, London parking officers and the DEVIL......

Oh my lord Pestman, that is bad. Is there nothing you can do like go to the police as that sounds like a clear case of fraud?

[Batlamb]

Hello All

After getting a reply from my Insurance Company I felt that I should post the results.

After reading a three page letter which looks like someone copy and pasted a lot of rubbish to put in to the letter they feel that I am more likely to have my car stolen again and that they have figures to back this up. My best bit of the letter is this bit -

"Examples of this include customers regularly driving in accident black spots or parking their car in places where it is likely to become damaged. I understand you may feel these situations do not apply to you. However, I am sure you can appreciate we cannot take the specific circumstances of all incidents into account."

What I love about this part of the letter is that they have told me that they have looked in to the matter and found that I am in the wrong. Yet, they are also telling that they I should appreciate that they can't look in to it.

I think I might call them up and see what they have to say for themselves. If there is no change I will just get in touch with the Financial Ombudsman and see what they say about the matter.

Cheeky robbing Insurance Companies.

[Batlamb]

R1 Loon said:

Batlamb said:

Hello All

After getting a reply from my Insurance Company I felt that I should post the results.

After reading a three page letter which looks like someone copy and pasted a lot of rubbish to put in to the letter they feel that I am more likely to have my car stolen again and that they have figures to back this up. My best bit of the letter is this bit -

"Examples of this include customers regularly driving in accident black spots or parking their car in places where it is likely to become damaged. I understand you may feel these situations do not apply to you. However, I am sure you can appreciate we cannot take the specific circumstances of all incidents into account."

What I love about this part of the letter is that they have told me that they have looked in to the matter and found that I am in the wrong. Yet, they are also telling that they I should appreciate that they can't look in to it.

I think I might call them up and see what they have to say for themselves. If there is no change I will just get in touch with the Financial Ombudsman and see what they say about the matter.

Cheeky robbing Insurance Companies.

The FOS will have a laugh and then ask you what your concern is, as they can't & won't adjudicate on pricing models.

If you are telling me that you would do nothing after a quite huge hike for something that was way out of your control then I must be nuts. At the end of the day I can see why prices for insurance are high, but to put prices up on any opportunity is wrong. Theses things need to be looked in more detail as it is unfair to price hike over things that are not in peoples control. Even if the Financial Ombudsman do nothing about it at least I have tried to something then just sit back and just get robbed blind.

[Batlamb]

DrDeAtH said:

surely the dealership 'purchased' the car from the OP, it wasnt stolen......honest guv...

if that was the case in point... no insurance loading can be applied

Sadly Dr Death somehow they think that it is my fault so they wont take it off even though it has not cost them a bean. I spoke to them on the telephone today and this is what they have as good as said.

[Batlamb]

Loon I can see where you are coming from on this one. But at the end of the day if Insurance Companies want to change this they can by all getting together and trying to bring down the cost of repairing a car and whiplash payouts. Someone went in to the back of me last year and I was given an A Class Merc for a loan car. When the car was repaired I called the Insurance Company to tell them that I dont need it any more. The car was collect a week later and the hire company told me that they were only told by the insurance company to pick it up that day. So I imagine having an A Class Merc sitting on my driveway for nothing cost £500 for a week?

But at the same time Insurance companies are quick enough to change the prices when it suits them, but if they dont look after there customers and cut the red tape then no wonder they are in the mess they are in. Take today. When speaking to my Insurance Company they told me that it was as good as my fault my car got stolen from my Honda Dealer, which is utter madness.

R1 Loon said:

Batlamb said:

If you are telling me that you would do nothing after a quite huge hike for something that was way out of your control then I must be nuts. At the end of the day I can see why prices for insurance are high, but to put prices up on any opportunity is wrong. Theses things need to be looked in more detail as it is unfair to price hike over things that are not in peoples control. Even if the Financial Ombudsman do nothing about it at least I have tried to something then just sit back and just get robbed blind.

It is a free market, the government and their appointed regulators can not control pricing models. They have no mandate to investigate it within Financial Services in any event.

Theoretically the FSA could intervene, but in a market where all insurers (bar Admiral) are losing money on car insurance, then it would be a waste of time. Any investigation like this tends to be politically motivated where huge profits are being made, rather than where losses are being made. However the government has asked for views form the insurance companies as to why premiums are rising and the findings have confirmed their concerns over the compensation culture in this country.

[Batlamb]

frosted said:

I still don't understand why the garage is not accepting responsibility for your loses while they had the car . They paid out for the car and now they should pay for you insurance rise since the theft has been logged on against you while on their premises

I would go to a solicitor and take it from there

I am in the process of doing that now Frosted. I have been in contact with Consumer Direct (http://www.consumerdirect.gov.uk/) and they have given me some advice so a letter is on its way to Mr Honda Dealer to claim for some money.

Will keep you all posted in to what happens next.

[Batlamb]

Turbocharger said:

If I was insuring you I'd ask whether you're in the habit of giving your car keys to people who would secure them poorly and risk having your car stolen. Okay, they're a main dealer but the history presents itself on paper.

I'd load your premium.

Well on this basis all Car Insurance should go up then as everyone has to use a garage at somepoint.