****ing Insurance

[rlg43p]

fiju said:

I only have insurance because I have to. I fiddle the st out of the comparison websites to get the cheapest quote possible. I live in London so I try to put my address as somewhere low risk in the sticks. This year they thought they were clever by asking for proof of address with a utility bill... photoshop fixed that lol. Call it fraud or whatever, I call it winning.

If this were true it would be idiotic. What would happen if there was an accident and you crippled someone, leading to a massive claim for compensation for care for the rest of that person's life?

Your insurance company would find out about your fraud and refuse to pay out - you would then be liable for that person's care for the rest of their life. Your life would be ruined......

I suspect you're just having a bit of fun trolling. I don't think anyone would admit to being so catastrophically stupid on a public forum if they were actually doing this.

[TwigtheWonderkid]

rlg43p said:

fiju said:

I only have insurance because I have to. I fiddle the st out of the comparison websites to get the cheapest quote possible. I live in London so I try to put my address as somewhere low risk in the sticks. This year they thought they were clever by asking for proof of address with a utility bill... photoshop fixed that lol. Call it fraud or whatever, I call it winning.

If this were true it would be idiotic. What would happen if there was an accident and you crippled someone, leading to a massive claim for compensation for care for the rest of that person's life?

Your insurance company would find out about your fraud and refuse to pay out - you would then be liable for that person's care for the rest of their life. Your life would be ruined......

I suspect you're just having a bit of fun trolling. I don't think anyone would admit to being so catastrophically stupid on a public forum if they were actually doing this.

The insurers would have no choice other than to pay out, on a tp injury claim, even if the policyholder had lied thru their teeth, but they could sue the driver for their money back, and take his house and anything else he owns.

Also, although they may pay out under rules governing insurers obligations, the policy would still be invalid and the driver could be done for driving without insurance.

[fiju]

And how would they prove that I don't live there?

[anonymous-user]

OP, it's a necessary evil. They rip you off, because they can. Read the small print and shop around every year.

[TwigtheWonderkid]

fiju said:

And how would they prove that I don't live there?

Probably because you will tell them. When you've been involved in a fatal accident and you're surrounded by police and ambulance crews, and you've in shock, you're going to forget to lie and give your real address.

It's easy to lie on a tick box on the internet, more difficult when being interviewed, or at the coroners court etc.

That's where idiots like you come unstuck. They say stuff like "pleasure use only" when taking out the policy, but when they have an accident, they are on to insurers telling them to hurry up with organising repairs, because I need the car for work.

If you were bright, you wouldn't be lying in the first place. But you aren't, you're an idiot.

[Ashtray83]

There doesn’t seem to be any rhyme or reason to the annual premium price,

I was insured on my golf gti taken with keys from my locked garage, insurance was paid out in 6 days minus 200quid excess and 2 declined offers that slowed the process, I got exactly what I paid for it 6 months prior, fantastic I think...what about my premium? Still shocked it actually went down £50 to £350 ish

[deckster]

fiju said:

And how would they prove that I don't live there?

I presume you are trolling, because nobody could actually be that stupid.

But just in case...I don't know, erm, ask the neighbours? Look at the gas bill? What about the electoral roll or council tax register?

It's not exactly hard.

[TwigtheWonderkid]

deckster said:

fiju said:

And how would they prove that I don't live there?

I presume you are trolling, because nobody could actually be that stupid.

Deckster, I'm assuming you don't deal with the general public in your job!

[TwigtheWonderkid]

yonex said:

OP, it's a necessary evil. They rip you off, because they can.

followed by

Ashtray83 said:

I was insured on my golf gti taken with keys from my locked garage, insurance was paid out in 6 days minus 200quid excess and 2 declined offers that slowed the process, I got exactly what I paid for it 6 months prior, fantastic I think...what about my premium? Still shocked it actually went down £50 to £350 ish

[ashleyman]

Funnily enough I bought car insurance yesterday.

They kept asking me if I wanted extra stuff. Legal Cover, Increased Legal Cover, Personal Accident Cover, Windscreen Cover, Courtesy Car Cover. I thought all that stuff was supposed to be included?

I cottoned on to the line of questioning: 'Would you like to hear more about XXX?' Basically, can we try and sell you something else.

I almost had to tell the girl to move on when she started asking about other vehicles in the household. Yes there are other vehicles and no we dont want multi-car. Are you sure? Yes. You could get a discount. Listen lady, it's not my car. It is nothing to do with me. She's planning to phone back on Sunday to try and get me to buy multi-car. No thanks.

Protected No Claims was the best, we will protect your no claims but we won't guarantee the policy won't increase if you claim.

Thankfully they'd didn't add charges when I declared a windscreen replacement.

The lady did try to tell me if I was caught drink driving that my insurance would have been voided. I questioned that as I know the Road Traffic Act says they have to pay for third party repairs and they can claim back from you but she wasn't having it. If I get caught drink or drug driving, they will void the insurance and I won't be insured and they won't pay out for anyone. I told her I had no plans to drink or drug drive so it didn't matter but it was surprising. I wonder how many would believe them?

[anonymous-user]

TwigtheWonderkid said:

My car was hit by a lovely chap, who drove off. There followed a claim and some of the worst ineptitude I have ever seen. The net result was an increase in premium at renewal, a stty repair, which had to go back three times, and in the end I took it to another body shop and fought for costs, receiving half! The front line staff were all hopeless, the guy who assessed the car, knew sod all about paintwork and lied about the extent of the repairs (luckily a good friend runs a decent bodyshop and measured the paint, along with the colour). It left me with the over riding opinion that unless you choose a specialist you will end up dealing with far more pain that you should. So, you either take a cheap deal on a white goods car, or you choose something more appropriate for your pride and joy.

[Osinjak]

Alucidnation said:

That's nice.

Is it half term already?

[TwigtheWonderkid]

ashleyman said:

Protected No Claims was the best, we will protect your no claims but we won't guarantee the policy won't increase if you claim.

It was actually good of her to make that clear, since so many people fail to grasp it.

There are 2 premium hits when you claim. Firstly, your increased risk profile, and secondly, your reduced bonus. Protected bonus just means you don't suffer the second hit. But you might still suffer the first.

[tinnitusjosh]

fiju said:

I only have insurance because I have to. I fiddle the st out of the comparison websites to get the cheapest quote possible. I live in London so I try to put my address as somewhere low risk in the sticks. This year they thought they were clever by asking for proof of address with a utility bill... photoshop fixed that lol. Call it fraud or whatever, I call it winning.

DIDN'T HAPPEN OF THE YEAR AWARD

[anonymous-user]

TwigtheWonderkid said:

It was actually good of her to make that clear, since so many people fail to grasp it.

There are 2 premium hits when you claim. Firstly, your increased risk profile, and secondly, your reduced bonus. Protected bonus just means you don't suffer the second hit. But you might still suffer the first.

Er, that's her job?

So they protect your no-claims, but it's worthless as the premium could increase!

'That's the risk profile you see Mr Customer, what's that you say, you have 9 years of no-claims on a motorcycle, well, we'd love to consider that but we are insurance brokers and can make all this st up as we go along...no Mr Customer, we do not operate on common sense. But you did get that SP30, on your motorcycle, and that does relate to your car policy, it's perfectly reasonable'

Edited by anonymous-user on Friday 15th March 12:44

[G13NVL]

I reversed into some ones car last year completely my fault, told the chap he decided to go through my insurance I didn’t claim for my car. When my renewal came through it had gone up exactly the amount they had paid out from what I paid the year before. Would have been better off paying it myself and keeping my no claims and not having it on my insurance for 5 years.

[fiju]

tinnitusjosh said:

DIDN'T HAPPEN OF THE YEAR AWARD

Fair enough if you think that, i've done far more devious things which I won't bore you about. I don't feel the need to lie about myself to seem interesting, trolling or whatever. Some people have balls, some don't.

But back to the topic, i've been involved in a crash or two before, not once has an insurance company asked for proof of address, or doubted me as to where I live. It simply doesn't happen. The only way I could see them checking is if they actually suspected something wrong. And no, I don't believe I would ever trip up on that. FYI i've been called a lot of things in my life, an idiot is not one of those.

[bobtail4x4]

fiju said:

tinnitusjosh said:

DIDN'T HAPPEN OF THE YEAR AWARD

Fair enough if you think that, i've done far more devious things which I won't bore you about. I don't feel the need to lie about myself to seem interesting, trolling or whatever. Some people have balls, some don't.

But back to the topic, i've been involved in a crash or two before, not once has an insurance company asked for proof of address, or doubted me as to where I live. It simply doesn't happen. The only way I could see them checking is if they actually suspected something wrong. And no, I don't believe I would ever trip up on that. FYI i've been called a lot of things in my life, an idiot is not one of those.

you need to get out more,
you WILL get caught out.

[longblackcoat]

fiju said:

FYI i've been called a lot of things in my life, an idiot is not one of those.

You’re an idiot

[Pica-Pica]

fiju said:

tinnitusjosh said:

DIDN'T HAPPEN OF THE YEAR AWARD

Fair enough if you think that, i've done far more devious things which I won't bore you about. I don't feel the need to lie about myself to seem interesting, trolling or whatever. Some people have balls, some don't.

But back to the topic, i've been involved in a crash or two before, not once has an insurance company asked for proof of address, or doubted me as to where I live. It simply doesn't happen. The only way I could see them checking is if they actually suspected something wrong. And no, I don't believe I would ever trip up on that. FYI i've been called a lot of things in my life, an idiot is not one of those.

Well it is now. You WILL get caught out sooner or later.