Accident insurance on hold

[Spenna36]

That's the damage.rear axle may have been damaged too

[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.

[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

[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

[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

[Spenna36]

Sa Calobra said:

What car is it OP

Vauxhall vectra 2.0 turbo sri navi
High spec

[Spenna36]

familyguy1 said:

I think the OP needs to straight talk with the insurance company and explain that you knew tinted windows were a mod and that's why you informed them, but an exhaust replacement would not bet a bit like tyres (not wheels), wiper blades are not.

You've acted in 100% good faith by declaring the "mod" you knew about, the exhaust was not like you sort a performance exhaust, it was a like for like replacement, but in a different material to last longer (which the garage can confirm) as simple as that.

If they don't accept that ask for their complaints procedure and say you will also speak to the ombudsmen or citizen advice bureau.

http://www.financial-ombudsman.org.uk/publications... ( i think thats the right link)

Frankly the insurance company is being ridiculous in my mind (but experience has taught me that will try and get out of anything)

I would only respond to this thread with updates from what the insurance co/ombudsmen say. everything else is internet spectulation on what is right/wrong (which this response can be included in)

Good Luck OP.

Ok thanks

[Spenna36]

I am coca hoop....

They have investigated and have said that I did tell them and they have failed to note it on my file.they also said they have deemed it as a replacement exhaust and not a modification.and the exhaust gives no perfomance gain.great news.

Thanks all for your help with this

Edited by Spenna36 on Friday 23 March 15:41

[Spenna36]

familyguy1 said:

great news and the RIGHT result. well done.

Yep.just waiting for an email now.for what I need to send to them.i guess that will be spare key,mot certificates.service history etc etc

[Spenna36]

Gad-Westy said:

Well done. Result

Out of interest, have they said how they're likely to approach apportioning blame? Your fault or pushing 50/50 or third party at fault?

They didn't mention an I forgot ask.i shall phone them Monday an ask.i will let you know the outcome on it

[Spenna36]

anniesdad said:

Really pleased for you. Nice one.

Thanks

[Spenna36]

NDA said:

Yes, well done you lying chav.



I am kidding.

Honestly...

Great result and a massive worry gone in an instant.

Lol now the dreaded "find a new car" time..

[Spenna36]

Hungrymc said:

Great news OP !

Very sensible and fair approach by the insurance company as well. A little bit of my faith is restored.

Yeh cheers mate.will see how long it takes to actually give me the money now.they said upto 10 days

[Spenna36]

I like the Citroen c4 coupe vtr.what do you guys think of them ?