Accident insurance on hold

[Gavia]

A dirty exhaust system wouldn’t stand out unless it’s non-standard and by that I mean a lot more than just the metal used to make it.

[Gad-Westy]

Gavia said:

A dirty exhaust system wouldn’t stand out unless it’s non-standard and by that I mean a lot more than just the metal used to make it.

I guess you're implying that there might be something more fundamentally obvious about the exhaust that would make it leap out as being after-market but I'm not sure that would need to be the case. I think a savvy assessor will be on the look out for something as simple as a stainless exhaust even if it's just to alert them to dig a little deeper. It's a common mod after all. Any excuse to not need to pay out is worth some basic checks to the insurer.

[Hungrymc]

Tailpipes look a little larger than standard, but the same theme and location.
And as it’s now described as having the downpipe cut to join the new exhaust it has to have a CAT, I’m just hoping the pipe work is same diameter and there are are number and location of silencers.

Standard internet pic for comparison.

[Gavia]

Gad-Westy said:

I guess you're implying that there might be something more fundamentally obvious about the exhaust that would make it leap out as being after-market but I'm not sure that would need to be the case. I think a savvy assessor will be on the look out for something as simple as a stainless exhaust even if it's just to alert them to dig a little deeper. It's a common mod after all. Any excuse to not need to pay out is worth some basic checks to the insurer.

Not implying it, I’m being very explicit. The rear of the car, as posted by the OP, has nothing at all about it to raise suspicion. There must be more going on underneath for it to attract the attention of an engineer.

Despite what people say, insurance companies pay out at lot of claims, the FOS is there to catch individual cases that are disputed and the FCA is there with a love of dishing out huge fines if it sees something more institutionalised.

There is zero value in any insurance company arguing over this. The car has a value of £2000 max at a guess, it’s not a high value claim, it saves no time and if anything causes more hassle with complaints, multiple touchpoints and general ill feeling if the insurance company is just trying it on.

How many times do I have to say this. A stainless steel exhaust that is a straight aftermarket pattern for the original is not a modification, it’s maintenance, ditto different tyres, brake pads etc. However, start fitting noisy potentially performance enhancing pipes, full brembo brake kits, lowered / stanced wheels and tyres and things are definitely in modified status.

It’s great that the OP has posted the photo of the car, any chance of a receipt, or a pointer to the actual exhaust you bought on the John Ashley website?

[LarsG]

Don't worry, as with all insurance companies they don't like hassle, they put their heads together and then do a 50/50 on your claim.
Saves them money, saves the other insurance company money and they just hike your premium to cover it.

You can have as many witnesses as you like, claim your driving was impeccable, claim the other driver was driving too fast, which is difficult to prove except if you have documentary evidence such as skid marks or if he had a dash cam he was willing to give up.

So don't stress, you'll get some of the blame, he will get some of the blame and both of you will have to pay more in premiums. to an insurance company that is a win.

[Gavia]

LarsG said:

Don't worry, as with all insurance companies they don't like hassle, they put their heads together and then do a 50/50 on your claim.
Saves them money, saves the other insurance company money and they just hike your premium to cover it.

You can have as many witnesses as you like, claim your driving was impeccable, claim the other driver was driving too fast, which is difficult to prove except if you have documentary evidence such as skid marks or if he had a dash cam he was willing to give up.

So don't stress, you'll get some of the blame, he will get some of the blame and both of you will have to pay more in premiums. to an insurance company that is a win.

Not wishing to mess with your conspiracy theory, but the OP is fully at fault, and he more or less accepts that.

Also, what happens when both parties in a 50/50 go elsewhere at renewal. How do their previous insurers make money?

Then there’s the problem that let’s say a 50/50 costs each side a simple £3000, do you think thatbthere going to up the premium by more than £600 a year to cover the cost?

Pure conspiracy theory.

[Spenna36]

Put it this way.in my opinion he was driving to fast.however I pulled onto a main road.which to an insurer that's my fault because they can't prove his speed.so yep I accept the blame.im just bricking it that there not going to pay me etc etc

[Spenna36]

Gavia said:

Not wishing to mess with your conspiracy theory, but the OP is fully at fault, and he more or less accepts that.

Also, what happens when both parties in a 50/50 go elsewhere at renewal. How do their previous insurers make money?

Then there’s the problem that let’s say a 50/50 costs each side a simple £3000, do you think thatbthere going to up the premium by more than £600 a year to cover the cost?

Pure conspiracy theory.

They make there money from customers who don't have an accident.

[Gavia]

Spenna36 said:

Put it this way.in my opinion he was driving to fast.however I pulled onto a main road.which to an insurer that's my fault because they can't prove his speed.so yep I accept the blame.im just bricking it that there not going to pay me etc etc

Speed is subjective and you’re always going to believe the other person did something wrong.

You pulled out of a side road onto a more major road in front of him in wintry conditions and expected him to alter his approach to compensate for what you did.

Sorry, but as I and others have said that’s a fault claim.

The rest of it isn’t ideal and nobody can help unless you give us more info on the exhaust as previously asked for. I know others are saying you’ll be fine, but I’m not so sure. I’m not having a pop at you, just I’d rather help with the real world.

[dacouch]

Not wishing to dampen the party, but with 1st Central as your Insurers you will experience problems.

They may eventually relent but expect problems.

It is also entirely possible you declared the exhaust and they did not note it.

I recommend you spend a few hours googling them as they certainly have form

[Spenna36]

dacouch said:

Not wishing to dampen the party, but with 1st Central as your Insurers you will experience problems.

They may eventually relent but expect problems.

It is also entirely possible you declared the exhaust and they did not note it.

I recommend you spend a few hours googling them as they certainly have form

Well they have told me they record all there calls.so...if I did tell them then it will be on record.its been 3 weeks today since the accident.they sure as hell take there time.im having to rely on lifts to and from work.as there cover doesn't cover you for a courtesy car if your vehicle is a write off

Edited by Spenna36 on Thursday 22 March 18:35

[Spenna36]

Gavia said:

Speed is subjective and you’re always going to believe the other person did something wrong.

You pulled out of a side road onto a more major road in front of him in wintry conditions and expected him to alter his approach to compensate for what you did.

Sorry, but as I and others have said that’s a fault claim.

The rest of it isn’t ideal and nobody can help unless you give us more info on the exhaust as previously asked for. I know others are saying you’ll be fine, but I’m not so sure. I’m not having a pop at you, just I’d rather help with the real world.

I already told you what I know about the exhaust.and I don't know where the invoice is

[LarsG]

Gavia said:

LarsG said:

Don't worry, as with all insurance companies they don't like hassle, they put their heads together and then do a 50/50 on your claim.
Saves them money, saves the other insurance company money and they just hike your premium to cover it.

You can have as many witnesses as you like, claim your driving was impeccable, claim the other driver was driving too fast, which is difficult to prove except if you have documentary evidence such as skid marks or if he had a dash cam he was willing to give up.

So don't stress, you'll get some of the blame, he will get some of the blame and both of you will have to pay more in premiums. to an insurance company that is a win.

Not wishing to mess with your conspiracy theory, but the OP is fully at fault, and he more or less accepts that.

Also, what happens when both parties in a 50/50 go elsewhere at renewal. How do their previous insurers make money?

Then there’s the problem that let’s say a 50/50 costs each side a simple £3000, do you think thatbthere going to up the premium by more than £600 a year to cover the cost?

Pure conspiracy theory.

Nope not quite. As to renewal, of course you can go somewhere else but not with all your no claims, hence you might get a discount but you will be seen as more of a risk. Therefore it will cost you more.

The insurance company that pays out the claim saves by only paying for the car they insure not the other vehicle. Also they won't insure him again unless it is a higher premium. So they will save by getting rid of the risk he presents.

Tin foil hat.

[dacouch]

Lars you do not understand how 50/50 works.

It means each party is equally to blame and each insurer pays their own customers claim (assuming comp cover) and can recover 50% of their outlay from the other party.

Each driver can also recover 50% of their uninsured losses from the other party

[LarsG]

dacouch said:

Lars you do not understand how 50/50 works.

It means each party is equally to blame and each insurer pays their own customers claim (assuming comp cover) and can recover 50% of their outlay from the other party.

Each driver can also recover 50% of their uninsured losses from the other party

Well I mean that in 30+ years of driving I have never had the opportunity to put in a claim in to test this theory. Goodness how my driving record must sparkle. I thank you for your lecture.

[Hungrymc]

Gavia said:

Right. There’s no way to see that’s a stainless steel system so the insurance guy has either made it up, or there’s a lot more underneath the car.

I think there is enough extra size in the tail pipe for an assessor to want a closer look. I realise that they don’t look at standard car next to modified car, but those tailpipes just look bigger than OEM.



Still hopping the main parts of the system are close to OEM but I think the tailpipes (and maybe the noise) would have caught the assessors eye.

[DJP]

Spenna36 said:

1st central is my insurer...

Then you're royally Donald Ducked - a Gibraltar based bunch of clowns IMVHE.

Bend over, take it like a man and spend more money next time.

HTH.

[Spenna36]

DJP said:

Then you're royally Donald Ducked - a Gibraltar based bunch of clowns IMVHE.

Bend over, take it like a man and spend more money next time.

HTH.

My ins fully comp with them was £800 with 4yrs no claims.it was my 2nd year with them.i could have got alot cheaper but I couldn't be arsed to search so just took there renewal.so your point of spending more money is invalid.AMEN

Edited by Spenna36 on Thursday 22 March 20:27

Edited by Spenna36 on Thursday 22 March 20:27

[DJP]

Spenna36 said:

My ins fully comp with them was £800 with 4yrs no claims.it was my 2nd year with them.i could have got alot cheaper but I couldn't be arsed to search so just took there renewal.so your point of spending more money is invalid.AMEN

Maybe, but they're still massively ste.

Edit: Hang on, you're 40 with 4 years NCB and you're spending £800 with a cheapo insurer on a Vectra?

I call BS.

Edited by DJP on Thursday 22 March 20:43

[Spenna36]

DJP said:

Maybe, but they're still massively ste.

Edit: Hang on, you're 40 with 4 years NCB and you're spending £800 with a cheapo insurer on a Vectra?

I call BS.

Edited by DJP on Thursday 22 March 20:43

Wtf is with this forum and not believing me ffs

Quote was 647.but pay monthly so extra cost brings it around 800

Do you get allot of people bs'ing in here or something

£66 a month.what do you want now my god damn bank statement.jesus

Edited by Spenna36 on Thursday 22 March 21:35