insurance again but well.............
Discussion
Insurance renewal has come through for my car, rang up to query it as its gone up blah blah, but you ve had an accident last yr?
No I haven't, anyway I had but it was in the lorry I drive, clipped a car. (completely forgot not trying to hide anything, realised in the end)
Asked what they needed to know which was claim amount etc.
So spoke to work they emailed the insurance company who have replyed acknowledging the accident reported to them by my office, but the case was closed 25/4 this yr due to other parties insurance not being in touch or claiming. (accident was 8/12)
Works insurance have stated they are quite happy to forward any details my insurer might need.
Am I still goin to get butt raped for more cash?
No I haven't, anyway I had but it was in the lorry I drive, clipped a car. (completely forgot not trying to hide anything, realised in the end)
Asked what they needed to know which was claim amount etc.
So spoke to work they emailed the insurance company who have replyed acknowledging the accident reported to them by my office, but the case was closed 25/4 this yr due to other parties insurance not being in touch or claiming. (accident was 8/12)
Works insurance have stated they are quite happy to forward any details my insurer might need.
Am I still goin to get butt raped for more cash?
nipsips said:
Youve still been technically involved in an accident even though there was no outlay on your work insurers part...
Don't bother nobody knows who his insurer is, or their underwriting criteria for an accident like this. However, I'm sure a few will be along to spout the usual crap about non fault claims automatically meaning all premiums will rise by 800% minimumLoonR1 said:
Why don't you ask them?
im going to, but I was just putting it out here, as why would they know if no claim has gone through? And are you the insurance guru?
If so id value your thoughts/opinions as your more likely to know.
Ive come for advice not a whose got the best story or biggest balls thread.
cossy400 said:
im going to, but I was just putting it out here, as why would they know if no claim has gone through?
And are you the insurance guru?
If so id value your thoughts/opinions as your more likely to know.
Ive come for advice not a whose got the best story or biggest balls thread.
Nobody can answer your question, other than your insurer. And are you the insurance guru?
If so id value your thoughts/opinions as your more likely to know.
Ive come for advice not a whose got the best story or biggest balls thread.
All insurers have different underwriting criteria and different ways that those criteria interact with each other to make up the total premium.
I don't get involved in underwriting at all.
LoonR1 said:
cossy400 said:
im going to, but I was just putting it out here, as why would they know if no claim has gone through?
And are you the insurance guru?
If so id value your thoughts/opinions as your more likely to know.
Ive come for advice not a whose got the best story or biggest balls thread.
Nobody can answer your question, other than your insurer. And are you the insurance guru?
If so id value your thoughts/opinions as your more likely to know.
Ive come for advice not a whose got the best story or biggest balls thread.
All insurers have different underwriting criteria and different ways that those criteria interact with each other to make up the total premium.
I don't get involved in underwriting at all.
Point taken, thanks for your time.
speedking31 said:
The potential cost of an insurance claim while driving an artic on company business transporting £000's of goods is surely not comparable to the average private vehicle claim, and no doubt the premiums reflect that. How can one be linked to the other?
The cost of the claim is irrelevant to your personal motor policy, the fact you crashed isn't. speedking31 said:
cossy400 said:
No I haven't, anyway I had but it was in the lorry I drive, clipped a car. (completely forgot not trying to hide anything, realised in the end)
Asked what they needed to know which was claim amount etc.
Asked what they needed to know which was claim amount etc.
Personal Lines motor is NCD rated ie the volume of claims you have dictates the premium
Commercial lines policies are experience rated. Ie the cost of the claim(s) you make dictate the premium
Cossy400- personally I'd look at the insurance offer on the third line down on GG,E.G. THIS ONE.
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Seems like a trend amongst brokers and underwriters to cash in . I got my renewal last year and it had gone up a lot. One of the factors was an increase in "introductory charge". I thought, WTF - once upon a time brokers were happy with the commission the insurance companies paid them for the business.
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Seems like a trend amongst brokers and underwriters to cash in . I got my renewal last year and it had gone up a lot. One of the factors was an increase in "introductory charge". I thought, WTF - once upon a time brokers were happy with the commission the insurance companies paid them for the business.
SV8Predator said:
cossy400 said:
but you ve had an accident last yr?
No I haven't,
No I haven't,
cossy400 said:
anyway I had but it was in the lorry I drive,
Yeah, but no, but yeah, but.....Since the crash ive been hospitalised and had quite a few more rush visits back to the docs and the walk in centre.
Remembering a minor bump has been low on the priorities list, but hey perfect would be boring wouldn't it??
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