Car insurance, have you payed in more than you have claimed
Discussion
As per the title,
How much have you claimed versus how much you have paid in ?
And what was it for ?
I have been driving 25 years, I reckon I have paid in about ten/elevan grand in premiums over that time (for my daily only, much more for the rest), have made two claims, totalling about £3000.
1/ Went into the back of a bloke that stopped on a clear junction for no reason, no other cars about, my fault but he just slammed on, nothing in front, about £800 for a new bumper/paint on his Mondeo.
2/ Reversed into a neighbours car in a rush/bad mood one night, dark night, dark car parked against a massive dark hedge, car had (factory) smoked rear windows and I didn't look properly, about £2000 worth.
How much have you claimed versus how much you have paid in ?
And what was it for ?
I have been driving 25 years, I reckon I have paid in about ten/elevan grand in premiums over that time (for my daily only, much more for the rest), have made two claims, totalling about £3000.
1/ Went into the back of a bloke that stopped on a clear junction for no reason, no other cars about, my fault but he just slammed on, nothing in front, about £800 for a new bumper/paint on his Mondeo.
2/ Reversed into a neighbours car in a rush/bad mood one night, dark night, dark car parked against a massive dark hedge, car had (factory) smoked rear windows and I didn't look properly, about £2000 worth.
30 years claim free on motorbikes til April this year when I had a burglary and my R1 taken.
It would now appear that I am some kind of satanic, diseased pariah, despite the fact that in insurance company terms a 7K payout isn't actually very much at all.
28 claim free (not including windscreens) in the car. I fully expect to get utterly buttf
ked on my car renewal too, come October, because of the bike theft.
Basically nothing at all until this April, so they've profited big time, but I dare say I'll be paying it back in spades for the next five years.
It would now appear that I am some kind of satanic, diseased pariah, despite the fact that in insurance company terms a 7K payout isn't actually very much at all.
28 claim free (not including windscreens) in the car. I fully expect to get utterly buttf
ked on my car renewal too, come October, because of the bike theft.Basically nothing at all until this April, so they've profited big time, but I dare say I'll be paying it back in spades for the next five years.
I've probably paid in close to £20k. I've never had an accident that was my fault, I've had 3 people go into the back of me. Two admitted liability and one tried to unsuccessfully wriggle out of it.
In 2012 my stationary BMW was clipped by some tit driving a Unimog tree cutter. Driving down a country lane I pulled into the hedgerow to let him pass. He was going way too fast and didn't slow down, clipped my rear wheel arch and ripped the rear bumper off. It would have been a simple quick repair if he'd just admitted liability, but he lied of course and the whole thing dragged on for over a year.
He said the BMW was in the middle of the road. A road barely wide enough for two cars to pass at walking pace. The case went to court, the day before the other side admitted 50% liability. On the day of the hearing it transpired that the Unimog driver had tried to hide several driving convictions and was picked up two more times for lying in court. Both times he admitted lying.
After that performance we thought we'd won for sure. Then we got the decision. The judge said the Unimog driver was a very convincing witness and that it was the BMW driver that caused the accident by driving too fast down the middle of the road!
The claim on my insurance was probably under £2k. The other side paid closer to £35k (the hire charge), but still my multi car insurance policy went up 30% for 2 vehicles and 50% for the one that was involved in the accident!
In 2012 my stationary BMW was clipped by some tit driving a Unimog tree cutter. Driving down a country lane I pulled into the hedgerow to let him pass. He was going way too fast and didn't slow down, clipped my rear wheel arch and ripped the rear bumper off. It would have been a simple quick repair if he'd just admitted liability, but he lied of course and the whole thing dragged on for over a year.
He said the BMW was in the middle of the road. A road barely wide enough for two cars to pass at walking pace. The case went to court, the day before the other side admitted 50% liability. On the day of the hearing it transpired that the Unimog driver had tried to hide several driving convictions and was picked up two more times for lying in court. Both times he admitted lying.
After that performance we thought we'd won for sure. Then we got the decision. The judge said the Unimog driver was a very convincing witness and that it was the BMW driver that caused the accident by driving too fast down the middle of the road!
The claim on my insurance was probably under £2k. The other side paid closer to £35k (the hire charge), but still my multi car insurance policy went up 30% for 2 vehicles and 50% for the one that was involved in the accident!
22 years driving. 1 claim against me (young+car != driving god) for about 700 quid.
And one claim against someone else who ran into the back of me while I was stationary (who's insurer still hasn't finished investigating liability).
That's how insurance works though. Kids can't afford to pay for the damage they do and nor can old Mrs miggins, or the inattentive school run mum, so the rest of us subsidise them.
And one claim against someone else who ran into the back of me while I was stationary (who's insurer still hasn't finished investigating liability).
That's how insurance works though. Kids can't afford to pay for the damage they do and nor can old Mrs miggins, or the inattentive school run mum, so the rest of us subsidise them.
Been driving 15 years or so, insurance started at a silly £1500 a year for me and was dwindled down to a few hundred - I'd guess I've paid 6-7k and claimed absolutely nothing, in fact to the best of my knowledge in my entire life I've made a single insurance claim against travel insurance for a missed trip due to injury - totalled £500 or so.
Still, if I went into the back of a Phantom or 458 on the way home, or heaven forbid hit a pedestrian I could easily put myself back in the black.
Still, if I went into the back of a Phantom or 458 on the way home, or heaven forbid hit a pedestrian I could easily put myself back in the black.
I guess the point is that it's based around the contribution of the many for the needs of the few. On that note, I'd like to thank you all for funding my £4k accident about five years ago. I wrote off my Alfa GTV in a single vehicle accident and got a payout over £800 more than I paid for the car.
I'm much more careful these days
I'm much more careful these days
Probably been paid out more than I have paid in - in the 22 years I have been driving , due to 2 (expensive) accidents in the last 5 years.
Approx £15k one accident inc hire car costs (technically my fault, swerved to avoid oncoming car)
Approx £1.5K minor rear damage bumper 3 attempts to get it right- and on top extortionate hire car cost & pay out on whiplash injury ~ £2.5k to £3k ( not my fault)
Approx £15k one accident inc hire car costs (technically my fault, swerved to avoid oncoming car)
Approx £1.5K minor rear damage bumper 3 attempts to get it right- and on top extortionate hire car cost & pay out on whiplash injury ~ £2.5k to £3k ( not my fault)
Edited by richs2891 on Wednesday 20th August 12:58
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