Claim on Insurance without notification
Discussion
So trying to sort out insurance for a family member over the weekend who is currently paying out of her nose for insurance.
I rang her insurance company and they advised that there is only 3 years of NCB on the policy despite her being insured with them for over 10 years.
Apparently there was a claim on the policy last year. Family member rolled into a car infront at a set of traffic lights. Both got out inspected cars and no damage done, no details passed and both went on their merry way.
Not so. A claim was put in on her insurance which resulted in a £2k payout for damages
. So the 3rd party some how got her insurance details and claimed without her being notified. I dont really understand how this is possible. Shouldn't there be some sort of notification from her insurers at least?
I rang her insurance company and they advised that there is only 3 years of NCB on the policy despite her being insured with them for over 10 years.
Apparently there was a claim on the policy last year. Family member rolled into a car infront at a set of traffic lights. Both got out inspected cars and no damage done, no details passed and both went on their merry way.
Not so. A claim was put in on her insurance which resulted in a £2k payout for damages
. So the 3rd party some how got her insurance details and claimed without her being notified. I dont really understand how this is possible. Shouldn't there be some sort of notification from her insurers at least?bad company said:
p4cks said:
I'm 99% certain there would have been phone calls and letters. I suspect that your friend is selective about the truth
This, almost certainly. 
Utter nonsense.
clio007 said:
Yes I was thinking that too. There definitely is no email trail - would the insurers be able to confirm that letters were actually posted out? Might call them up to confirm.
It doesn't matter though does it. Said family member admits that they went into the back of someone. It was their fault. Insurers have subsequently paid out. £2k isn't really a lot of money for an insurance repair. They'll have to live with the (quite rightly) reduced NCB.
TwigtheWonderkid said:
bad company said:
p4cks said:
I'm 99% certain there would have been phone calls and letters. I suspect that your friend is selective about the truth
This, almost certainly. Utter nonsense.
Something similar happened to me years ago. I pulled out of a lane, and a car coming down that lane at speed took avoidance measure and bumped up the curb. I have them my insurance details and heard nothing more.
Had to get my insurance history a few years later and found that they had paid out £1,500 to repair the knackered old rover, and £2,500 for whiplash caused by bumping up the curb...
I do wish they had spoken to me. or given that we did not complete that I had not bothered stopping...
Had to get my insurance history a few years later and found that they had paid out £1,500 to repair the knackered old rover, and £2,500 for whiplash caused by bumping up the curb...
I do wish they had spoken to me. or given that we did not complete that I had not bothered stopping...
Lindun said:
How can someone who’s at least 27, still be incapable of sorting out something as simple and fundamental as car insurance, when there are thing like the meerkats to do it all for them?
Sorting is one thing. Making sure you get the best deal is another. Adding additional drivers and ensuring the correct mileage is entered (15k when you only do 6k) ends up making a huge difference especially when you have just auto-renewed every year. To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
clio007 said:
Sorting is one thing. Making sure you get the best deal is another. Adding additional drivers and ensuring the correct mileage is entered (15k when you only do 6k) ends up making a huge difference especially when you have just auto-renewed every year.
To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
I’m not sure that paints them in a better light. There’s a question asking how miles do you do and I’d expect a primary schoolchild to be able to select 6000 (or whatever the correct answer is) from a pick list option on any computer system. To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
Lindun said:
clio007 said:
Sorting is one thing. Making sure you get the best deal is another. Adding additional drivers and ensuring the correct mileage is entered (15k when you only do 6k) ends up making a huge difference especially when you have just auto-renewed every year.
To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
I’m not sure that paints them in a better light. There’s a question asking how miles do you do and I’d expect a primary schoolchild to be able to select 6000 (or whatever the correct answer is) from a pick list option on any computer system. To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
TwigtheWonderkid said:
Lindun said:
clio007 said:
Sorting is one thing. Making sure you get the best deal is another. Adding additional drivers and ensuring the correct mileage is entered (15k when you only do 6k) ends up making a huge difference especially when you have just auto-renewed every year.
To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
I’m not sure that paints them in a better light. There’s a question asking how miles do you do and I’d expect a primary schoolchild to be able to select 6000 (or whatever the correct answer is) from a pick list option on any computer system. To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
Lindun said:
TwigtheWonderkid said:
Lindun said:
clio007 said:
Sorting is one thing. Making sure you get the best deal is another. Adding additional drivers and ensuring the correct mileage is entered (15k when you only do 6k) ends up making a huge difference especially when you have just auto-renewed every year.
To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
I’m not sure that paints them in a better light. There’s a question asking how miles do you do and I’d expect a primary schoolchild to be able to select 6000 (or whatever the correct answer is) from a pick list option on any computer system. To put it into context - current insurance was £1950 and we got it for £950. It was £1050 but we saved £100 by changing the start date to Good Friday which is strange in itself but there you go.
TwigtheWonderkid said:
It doesn't matter. All I'm saying is no matter what mileage you think you do, if it's 10,000, if it's a free type box, put in 9999. That way, if 10k is the start of a new price bracket, you'll be in the lower bracket.
Well I’m confused. You’re arguing something with me that I haven’t ever said. One more helpful comment - when you get your insurance renewal for, say, a month ahead, get searching for alternative quotes IMMEDIATELY and take them up, don't let them expire. The same company will be substantially more expensive four weeks later.
Insurance is around 20% cheaper if arranged a month ahead, or even about 2 weeks ahead, than if arranged the day before renewal.
A second helpful comment - don't dismiss Direct Line just because they don't appear on comparison sites. They seem to have woken up to the fact that they need to compete for your money, and recently were the cheapest renewal for me for two cars by some way. Their customer service has also been excellent - I had to add other family members temporarily a couple of times recently, and adding my relatively inexperienced son-in-law cost.....nothing. Oddly, to add him permanently would have cost £102.
Third helpful comment - do shop around, including using comparison sites. There are always a few companies around who are trying to build up market share this year, and are a lot cheaper than their rivals. They won't be next year.....
Insurance is around 20% cheaper if arranged a month ahead, or even about 2 weeks ahead, than if arranged the day before renewal.
A second helpful comment - don't dismiss Direct Line just because they don't appear on comparison sites. They seem to have woken up to the fact that they need to compete for your money, and recently were the cheapest renewal for me for two cars by some way. Their customer service has also been excellent - I had to add other family members temporarily a couple of times recently, and adding my relatively inexperienced son-in-law cost.....nothing. Oddly, to add him permanently would have cost £102.
Third helpful comment - do shop around, including using comparison sites. There are always a few companies around who are trying to build up market share this year, and are a lot cheaper than their rivals. They won't be next year.....
Lindun said:
TwigtheWonderkid said:
It doesn't matter. All I'm saying is no matter what mileage you think you do, if it's 10,000, if it's a free type box, put in 9999. That way, if 10k is the start of a new price bracket, you'll be in the lower bracket.
Well I’m confused. You’re arguing something with me that I haven’t ever said. QBee said:
One more helpful comment - when you get your insurance renewal for, say, a month ahead, get searching for alternative quotes IMMEDIATELY and take them up, don't let them expire. The same company will be substantially more expensive four weeks later.
Insurance is around 20% cheaper if arranged a month ahead, or even about 2 weeks ahead, than if arranged the day before renewal.
A second helpful comment - don't dismiss Direct Line just because they don't appear on comparison sites. They seem to have woken up to the fact that they need to compete for your money, and recently were the cheapest renewal for me for two cars by some way. Their customer service has also been excellent - I had to add other family members temporarily a couple of times recently, and adding my relatively inexperienced son-in-law cost.....nothing. Oddly, to add him permanently would have cost £102.
Third helpful comment - do shop around, including using comparison sites. There are always a few companies around who are trying to build up market share this year, and are a lot cheaper than their rivals. They won't be next year.....
I heard someone talk about pricing models from an insurance company recently. Prices are chosen to ensure a customer is profitable over 5 years (which may mean taking a loss in the first year if they think you will renew or are likely to buy other things or are unlikely to trouble them by not paying premiums). This means you should suggest as far as possible that you are financially stable but not organised enough to get lots of quotes before renewing premiums. One interesting piece of advice was to ask for a quote, then once you have the quote, change a small detail, such as the miles you drive (do this once only however as apparently it shows engagement with the process and if you do it lots of times it looks like you are trying to game the system). Comparison site's commissions were £50 per policy.Insurance is around 20% cheaper if arranged a month ahead, or even about 2 weeks ahead, than if arranged the day before renewal.
A second helpful comment - don't dismiss Direct Line just because they don't appear on comparison sites. They seem to have woken up to the fact that they need to compete for your money, and recently were the cheapest renewal for me for two cars by some way. Their customer service has also been excellent - I had to add other family members temporarily a couple of times recently, and adding my relatively inexperienced son-in-law cost.....nothing. Oddly, to add him permanently would have cost £102.
Third helpful comment - do shop around, including using comparison sites. There are always a few companies around who are trying to build up market share this year, and are a lot cheaper than their rivals. They won't be next year.....
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