How the......can they justify this?
Discussion
Renewal quote through, £800.
I get another quote slightly lower and call up current insurer to see if they can match.
If the process of the call she says something along the lines of "we have a note of a call you made re a small incident".
I explain that yes, someone changed lanes and scraped my bumper, no damage but long story short the guy said he was going to blame me so I asked for advice. We both dropped it and thought nothing else of it.
OK sir, I need to feed this into my system...
£1,250.
F**K RIGHT OFF.
Edit: I like my spelling to be spot on.
I get another quote slightly lower and call up current insurer to see if they can match.
If the process of the call she says something along the lines of "we have a note of a call you made re a small incident".
I explain that yes, someone changed lanes and scraped my bumper, no damage but long story short the guy said he was going to blame me so I asked for advice. We both dropped it and thought nothing else of it.
OK sir, I need to feed this into my system...
£1,250.
F**K RIGHT OFF.
Edit: I like my spelling to be spot on.
Edited by DiseasalDriver on Tuesday 3rd April 16:21
Its s
t like this which results in most people not informing insurance companies of minor scrapes and bumps, even to the point of not reporting quite major prangs as neither driver wants it on their record. Especially given insurance companies tendancies to increase premiums for the victim who did nothing wrong aside from getting crashed into through no fault of their own.
However.....this presents an opportunity for the OP to get a fluffy meerkat toy.
Edited by Garlick - Let's keep certain references away from the forums
t like this which results in most people not informing insurance companies of minor scrapes and bumps, even to the point of not reporting quite major prangs as neither driver wants it on their record. Especially given insurance companies tendancies to increase premiums for the victim who did nothing wrong aside from getting crashed into through no fault of their own. However.....this presents an opportunity for the OP to get a fluffy meerkat toy.
Edited by Garlick - Let's keep certain references away from the forums
Adam_W said:
I had similar, quoted for renewal, ah you missed off this incident sir, yeah a non fault claim against someone else's insurance after they hit my parked car.. great..
Demonstrates my point. You park legally and someone else crashes into you and you end up charged more. Not quite sure how that works. Some PH arch capitalists will come along in a moment to tell me about markets and how poor loss adjusters could only afford 7 holidays and one visit to number 10 a year if they charged people reasonable prices. Something like that.martin84 said:
Demonstrates my point. You park legally and someone else crashes into you and you end up charged more. Not quite sure how that works. Some PH arch capitalists will come along in a moment to tell me about markets and how poor loss adjusters could only afford 7 holidays and one visit to number 10 a year if they charged people reasonable prices. Something like that.
Not trying to justify it, but if that's happened it means you drive in an area where muppets crash into your car, increasing the likelyhood of the insurers needing to do something/pay out. It's not a personal punishment against you. Same as if you live in a high crime rate area, they're not insinuating that you're a nasty theiving scrote, but someone nearby might be and they might nick your car.martin84 said:
fk right off indeed. Let me guess, an insurance firm connected to a well known badly run bank? Dog in the advert? etc
No, a certain 'group' of companies which unfortunately for me own all 3 companies which originally kept my premium below £1,000.k right off indeed. Let me guess, an insurance firm connected to a well known badly run bank? Dog in the advert? etcI'm now going to go with another company and pay slightly more just because they are a bunch of arses.
Smug American bint on the phone got right on my nerves too!!!
crofty1984 said:
Not trying to justify it, but if that's happened it means you drive in an area where muppets crash into your car, increasing the likelyhood of the insurers needing to do something/pay out. It's not a personal punishment against you. Same as if you live in a high crime rate area, they're not insinuating that you're a nasty theiving scrote, but someone nearby might be and they might nick your car.
Why should I have to pay on behalf of thieving scrotes or muppets who crash into my car? Anyway, if I ever asked an insurer to do anything for me it'd take them 7 months to bother doing anything so I'd never bother with them in the case of a non fault claim. A relative of mine was hit in a non fault accident 9 months ago and is STILL waiting for the insurer to do something. Can we get away with not paying premiums for 9 months? fking s.I dont mind them putting the price up if you actually do cost them money, but charging you extra because you didn't cost them money but you might do one day is just any excuse to increase a premium. Anyway if I did claim for a non fault accident aren't my insurers supposed to recover their costs from the guilty party? Or am I supposed to pay up on the muppets behalf? If thats the case why bother with insurance at all? May as well invest in a sword.
Almost pointless having insurance, it only protects the criminals, never the honest person who pays the premium.
Edited by martin84 on Tuesday 3rd April 16:28
Just had my renewal through a couple of days ago. Some tt reversed into me just before Christmas, leaving no note, but caught on cctv doing so. Went through insurance, my premiums have went up £250 (from just above £500) for both cars. It's going through the court as he has been charged with "failure to report a crime". I'll be chasing for compensation for this increase (and the effect it will have on my premiums for the next 5 years).
t reversed into me just before Christmas, leaving no note, but caught on cctv doing so. Went through insurance, my premiums have went up £250 (from just above £500) for both cars. It's going through the court as he has been charged with "failure to report a crime". I'll be chasing for compensation for this increase (and the effect it will have on my premiums for the next 5 years).McMacro said:
Just had my renewal through a couple of days ago. Some tt reversed into me just before Christmas, leaving no note, but caught on cctv doing so. Went through insurance, my premiums have went up £250 (from just above £500) for both cars. It's going through the court as he has been charged with "failure to report a crime". I'll be chasing for compensation for this increase (and the effect it will have on my premiums for the next 5 years).
So somebody crashes into you and commits a crime by failing to report it and you get the £250 bill? And people wonder why I dispise insurance companies t reversed into me just before Christmas, leaving no note, but caught on cctv doing so. Went through insurance, my premiums have went up £250 (from just above £500) for both cars. It's going through the court as he has been charged with "failure to report a crime". I'll be chasing for compensation for this increase (and the effect it will have on my premiums for the next 5 years).
martin84 said:
Why should I have to pay on behalf of thieving scrotes or muppets who crash into my car? Anyway, if I ever asked an insurer to do anything for me it'd take them 7 months to bother doing anything so I'd never bother with them in the case of a non fault claim. A relative of mine was hit in a non fault accident 9 months ago and is STILL waiting for the insurer to do something. Can we get away with no paying premiums for 9 months? fking s.
I dont mind them putting the price up if you actually do cost them money, but charging you extra because you didn't cost them money but you might do one day is just any excuse to increase a premium. Anyway if I did claim for a non fault accident aren't my insurers supposed to recover their costs from the guilty party? Or am I supposed to pay up on the muppets behalf?
Almost pointless having insurance, it only protects the criminals, never the honest person who pays the premium.
They're mitigating against a potentially costly situation happening again. I'm not saying insurers are good, but their priority is making sure they make money from you having a policy with them. That's the whole point behind the post-code lottery.king s.I dont mind them putting the price up if you actually do cost them money, but charging you extra because you didn't cost them money but you might do one day is just any excuse to increase a premium. Anyway if I did claim for a non fault accident aren't my insurers supposed to recover their costs from the guilty party? Or am I supposed to pay up on the muppets behalf?
Almost pointless having insurance, it only protects the criminals, never the honest person who pays the premium.
I can see the OP's beef - on a motorway etc it shouldn't increase your premium, but being crashed into while parked near your residence/a frequently visited place makes sense.
crofty1984 said:
Not trying to justify it, but if that's happened it means you drive in an area where muppets crash into your car, increasing the likelyhood of the insurers needing to do something/pay out.
Well no it doesn't. It means some idiot with the driving ability of a lemming happened to crash into you whilst you were parked; one incident doesn't mean it's any more likely to happen again. You might never have parked in the same spot before and may never again. The lemming may find an alternative route to ruin peoples cars etc..etc..Of course we are assured that the statistics held by insurance companies does in fact mean that a single random event occurring means the same event is more likely to occur again, and that unfortunately these statistics are so secret and commercially sensitive that we couldn't possibly be allowed to judge the validity of this
tKrikkit said:
They're mitigating against a potentially costly situation happening again. I'm not saying insurers are good, but their priority is making sure they make money from you having a policy with them. That's the whole point behind the post-code lottery.
What do you mean happening again? If nobody reported anything and nobody paid out then it didnt happen in the first place! Insurers make it so as claiming from them damages you severely for years to deter you from doing so, so people dont report accidents which is fair enough given the long term damage honesty does to you. I couldn't care less if they made money or not. I'd rather not pay for it at all but their Government mates force motorists to use them. If i have to buy it then I buy it on the basis that if something happens to my car then my insurance company will sort it out for me, not do f
k all then increase the price whilst leaving the at-fault driver to get away with it.Krikkit said:
I can see the OP's beef - on a motorway etc it shouldn't increase your premium, but being crashed into while parked near your residence/a frequently visited place makes sense.
Oh come off it, you think they wouldn't increase your premium if you were hit in a place you'd only parked once in your life? You give them too much credit. Anyway, if it did happen then get the increased premium from the at-fault drivers insurance company, that is the idea after all. Make the at-fault driver pay extra, increase his premiums and force him off the road.I just cannot support a system which charges victims extra money for being victims. You will never bring me round to supporting them.
Mr2Mike said:
Well no it doesn't. It means some idiot with the driving ability of a lemming happened to crash into you whilst you were parked; one incident doesn't mean it's any more likely to happen again. You might never have parked in the same spot before and may never again. The lemming may find an alternative route to ruin peoples cars etc..etc..
Those reasonable viewpoints don't make rich suits more money you see, sense which doesnt make money is pointless sense.'If something happens once its more likely to happen again' is such a strawman with no statistical evidence to back it up. You can examine every statistical set in the world and you won't find any evidence that this 'rule' is true, yet these feckless thugs can get away with using it as an excuse. Seriously, who here has been crashed into in the same place more than once? Anybody?
Mr2Mike said:
Of course we are assured that the statistics held by insurance companies does in fact mean that a single random event occurring means the same event is more likely to occur again, and that unfortunately these statistics are so secret and commercially sensitive that we couldn't possibly be allowed to judge the validity of this made up bullst data.
The 'statistics are sensitive' argument is such btks it really is. They probably don't have any statistics. No other industry gets away with so little public scrutiny. If we live in a world where protecting unimportant profits for unimportant companies is so vital that they don't have to justify their means to anybody then we need to rip 'the City' apart from the top down. Its the only solution.
I had my renewal thro fro the SLK in Feb - was with a big company that no longer shares the name of the city in which it was founded (via a broker) last year £300 this year £450 with same company was the best quote the broker could find....
Going an comparing some small furry mammals inspired website and £300 gets me a policy with the same company direct and a 15 year relationship with the broker I've always used ended - I'd stick with them for £20,£50 but £150 is too much to stomach.
I had my renewal thro for the 740 last week
Last year started a new policy so had zero NCB (no mirroring or that sort of rubbish and multicar policies just don't work for me - I've looked at them several times) £325 (fully comp agreed 3K miles) with the broker I've always used for my classics
So a year later and 1800 miles renewal was Up from £325 to £600
nearly double FFS with a years NCB in the pot and no change in circumstances
I ended up going to another classic policy specialist and getting a classic policy for it finally and got the premium back down to £343 for 3K miles
I just don't get it - no reward for loyalty these days - it seems you have to shop around every year
Going an comparing some small furry mammals inspired website and £300 gets me a policy with the same company direct and a 15 year relationship with the broker I've always used ended - I'd stick with them for £20,£50 but £150 is too much to stomach.
I had my renewal thro for the 740 last week
Last year started a new policy so had zero NCB (no mirroring or that sort of rubbish and multicar policies just don't work for me - I've looked at them several times) £325 (fully comp agreed 3K miles) with the broker I've always used for my classics
So a year later and 1800 miles renewal was Up from £325 to £600
nearly double FFS with a years NCB in the pot and no change in circumstances
I ended up going to another classic policy specialist and getting a classic policy for it finally and got the premium back down to £343 for 3K miles
I just don't get it - no reward for loyalty these days - it seems you have to shop around every year
Statistics are swayed by fact.
If the probability that a die is weighted on 6 is 1/2 and then you roll a 6, then statistically it is more likely to be weighted.
If you have an accident, you are statistically more likely to be a weighted die than someone who hasn't, you are more likely to be accident prone, or park in areas that you may be hit etc.
Its just maths, there's no need to get wound up about it. If you don't like the risk then don't play the game!
If the probability that a die is weighted on 6 is 1/2 and then you roll a 6, then statistically it is more likely to be weighted.
If you have an accident, you are statistically more likely to be a weighted die than someone who hasn't, you are more likely to be accident prone, or park in areas that you may be hit etc.
Its just maths, there's no need to get wound up about it. If you don't like the risk then don't play the game!
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