Ins Premiums rising due to non-fault
Discussion
I'm beginning to see the insurance companies point here.
It is possible to drive in such a way that you put yourself in harms way, and leave yourself more vulnerable.
For instance. This morning I was travelling towards some traffic lights, that were on red. Two lanes to go straight ahead and at the front of one, a car was sat with it's reversing lights on. I did not like the look of that so went in the other lane. Had I had no option I would have left plenty of room between the two of us, in case she really was in reverse, rather than a faulty light.
Lady in a 2011 A3 comes charging up past me, and puts herself 4 inches behind said car.
If she goes into reverse it will be the fault of the front car, but by engaging brain the rear car would have every chance of avoiding the damage in the first place.
See what I mean?
It is possible to drive in such a way that you put yourself in harms way, and leave yourself more vulnerable.
For instance. This morning I was travelling towards some traffic lights, that were on red. Two lanes to go straight ahead and at the front of one, a car was sat with it's reversing lights on. I did not like the look of that so went in the other lane. Had I had no option I would have left plenty of room between the two of us, in case she really was in reverse, rather than a faulty light.
Lady in a 2011 A3 comes charging up past me, and puts herself 4 inches behind said car.
If she goes into reverse it will be the fault of the front car, but by engaging brain the rear car would have every chance of avoiding the damage in the first place.
See what I mean?
I had someone crash into me - no fault and all costs recovered from their insurance . My own insurance rocketed.
I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
Vladimir said:
I had someone crash into me - no fault and all costs recovered from their insurance . My own insurance rocketed.
I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
I guess it depends on your view. If you really had no chance of avoiding it then it seems harsh. If by drving defensivly you could have avoided it, the insurance company might be justified in thinking that the risk is bigger.I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
It sucks.
But there it is.
If someone claims once then it's likely they will claim again.
For one, you have no NCB to lose.
They also may park in areas prone to vandalism or stupid drivers.
They may drive in such a way they are unable to avoid accidents.
Insurance is all just based on them betting that you won't claim.
So if you do claim they lose the bet.
Oh, BTW, I would like a medal for spelling 'lose' correctly.
Twice.
But there it is.
If someone claims once then it's likely they will claim again.
For one, you have no NCB to lose.
They also may park in areas prone to vandalism or stupid drivers.
They may drive in such a way they are unable to avoid accidents.
Insurance is all just based on them betting that you won't claim.
So if you do claim they lose the bet.
Oh, BTW, I would like a medal for spelling 'lose' correctly.
Twice.
surveyor said:
I guess it depends on your view. If you really had no chance of avoiding it then it seems harsh. If by drving defensivly you could have avoided it, the insurance company might be justified in thinking that the risk is bigger.
Going around a roundabout with two lanes, he changed lanes into me without looking properly. I've done IAM and cop training so am fairly aware of others but it would have been VERY tricky to avoid this one. Vladimir said:
I had someone crash into me - no fault and all costs recovered from their insurance . My own insurance rocketed.
I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
I should think that many cases of vandalism are the result of someone with a grudge, and hence that there is a very high occurrence of repeat claims.I then had the car vandalised and "dared" to claim for it - my insurance went mental. It went up more than having six points on my licence.
It would appear that claiming is considered a crime.
Unless you have already accepted "full and final" payment from the other party you can claim the difference in your policy as unforeseen financial hardship caused by the collision.
Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Liquid Knight said:
Unless you have already accepted "full and final" payment from the other party you can claim the difference in your policy as unforeseen financial hardship caused by the collision.
Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Fair enough, but what about the year after.... and the ones after that?Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Really isnt fair, that insurance goes up if you involved in a non fault accident, what if you sat stationary and someone hits from behind?
otolith said:
I should think that many cases of vandalism are the result of someone with a grudge, and hence that there is a very high occurrence of repeat claims.
It was quite simple - two failed attempts to nick the wheels of my mk4 R32 Golf. It was newish at the time and a major target - when we bought it in London, we had secure parking. We moved to Bristol and had street parking. They tried one night and failed but ripped off the cover sills. I got extra locking nuts. They came back again, obviously saw the nuts so kicked in the front wing - £3k in damage. Spent days looking for a lockable garage, failed, stored it at a mates house, was forced to sell it - gutted.
But it was only a car.
I've heard that even calling you insurance company to enquire about a claim is dangerous. Once you do you're seen as a greater risk, whether you claim or not. This it's often logged on a central database which is shared with every other insurance company in the UK.
Not motoring related, but BBCs Watchdog featured some poor old lady who was totally screwed over by her insurance company. She had a large wall at the rear of her garden with a river running behind it. One day the wall gave way and much of her garden disappeared with it. Quotes to repair were around the £20k mark... She called her insurance company to enquire about repair, but I don't believe she was covered.
Anyway she forked out the bill and got the wall fixed. She later found out that she'd basically be blacklisted and no insurance company would touch her! All because she'd enquired and was now seen as too higher risk!! She'd never claimed in her entire life!
So it doesn't really matter who's at fault or what the situation is. They'll screw you wherever and whenever they can!
Insurance companies are thieving, corrupt, s
tty aholes. The whole industry needs an overhaul and proper regulation.
Not motoring related, but BBCs Watchdog featured some poor old lady who was totally screwed over by her insurance company. She had a large wall at the rear of her garden with a river running behind it. One day the wall gave way and much of her garden disappeared with it. Quotes to repair were around the £20k mark... She called her insurance company to enquire about repair, but I don't believe she was covered.
Anyway she forked out the bill and got the wall fixed. She later found out that she'd basically be blacklisted and no insurance company would touch her! All because she'd enquired and was now seen as too higher risk!! She'd never claimed in her entire life!
So it doesn't really matter who's at fault or what the situation is. They'll screw you wherever and whenever they can!
Insurance companies are thieving, corrupt, s
tty aholes. The whole industry needs an overhaul and proper regulation. Edited by 80sboy on Thursday 8th December 17:31
T16OLE said:
Liquid Knight said:
Unless you have already accepted "full and final" payment from the other party you can claim the difference in your policy as unforeseen financial hardship caused by the collision.
Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Fair enough, but what about the year after.... and the ones after that?Get a quote for the car without the collision on record and use it as a guide as to how much your policy has gone up. Mine went up £800 after my car was hit on a round about. I added this to the claim and didn't get any argument from the other drivers insurance.
Really isnt fair, that insurance goes up if you involved in a non fault accident, what if you sat stationary and someone hits from behind?
Classic Grad 98 said:
otolith said:
To be honest, if you'd already been done over twice, if I were an insurer I would not be particularly wanting to cover the risk of it happening again!
Grrr! That' NOT what I wanted to hear!They are utter tts !
We had some slight movement of a bay on the house due to a dry summer and a big tree, they hiked the premium to a grand, we never actually claimed, they never paid out as the repair was under £400 to re-mortar the (unsupporeted) hence movement bay, they then hiked it more and three days before it was up told us they would no longer insure us, thanks Norwich Union, but I will have my revenge, I tell anyone who is interested to not go with them.
Some old bloke in a jag reveresed into our car, damaging it, a kind samaritan left her details and we contacted the insurance to deal with it and get his details, he claimed he hadnt done it despite the witness and we lost interest but they classed it as a claim.
I know they are there to make money but they are getting too ruthless and the public too greedy and mercenary, it is there to provide, at reaonable cost, cover for emergencies and disasters, not as a way to get a new telly, everyone needs to back off a bit.
ts !We had some slight movement of a bay on the house due to a dry summer and a big tree, they hiked the premium to a grand, we never actually claimed, they never paid out as the repair was under £400 to re-mortar the (unsupporeted) hence movement bay, they then hiked it more and three days before it was up told us they would no longer insure us, thanks Norwich Union, but I will have my revenge, I tell anyone who is interested to not go with them.
Some old bloke in a jag reveresed into our car, damaging it, a kind samaritan left her details and we contacted the insurance to deal with it and get his details, he claimed he hadnt done it despite the witness and we lost interest but they classed it as a claim.
I know they are there to make money but they are getting too ruthless and the public too greedy and mercenary, it is there to provide, at reaonable cost, cover for emergencies and disasters, not as a way to get a new telly, everyone needs to back off a bit.
With a banger its just not worth even thinking about claiming on your insurance for anything
3rd party only would be perfect for me however fully comp is cheaper
My ideal insurance would be 3rd party only with a 5grand excess on any claim made against me. At the present moment the main reason i am insured is because the law says i must be insured. If the law didn't dictate i must be insured i'm not entirely sure i would bother.
My car costs £700 it costs £350 to insure so i would be insane to claim for it being nicked, crashed or written off.
And yes i know about 3rd party risks not replacing my essentially disposable car
3rd party only would be perfect for me however fully comp is cheaper
My ideal insurance would be 3rd party only with a 5grand excess on any claim made against me. At the present moment the main reason i am insured is because the law says i must be insured. If the law didn't dictate i must be insured i'm not entirely sure i would bother.
My car costs £700 it costs £350 to insure so i would be insane to claim for it being nicked, crashed or written off.
And yes i know about 3rd party risks not replacing my essentially disposable car
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