car insurance gayness

[Marc]

I was hit whilst parked
They owned up and made the claim for their car and mine, so I DID NOT CLAIM...





...yet my insurance cost goes up because of it?!?! how can that work!?! whats the point of having No Claims Bonus and all that if it goes up and you dont claim yourself?!?! I dont get it

 

[Easy 10]

Because now they know you park near IDIOTS

 

[Marc]

its PATHETIC is what it is, extra £40 on top if I dont mention that someone hit my car and they claimed....pointless insurance DRIVEL is what it is!

 

[gullshark]

My favourite is no claims bonus protection

INSURANCE for your INSURANCE

 

[sten_super]

I was hit whilst parked
They owned up and made the claim for their car and mine, so I DID NOT CLAIM...

...yet my insurance cost goes up because of it?!?! how can that work!?! whats the point of having No Claims Bonus and all that if it goes up and you dont claim yourself?!?! I dont get it

How have they justified the increase? Sounds very dodgy if you ask me. I assume that you've kept your no claims bonus?

 

[Skint Gull]

its PATHETIC is what it is, extra £40 on top if I dont mention that someone hit my car and they claimed....pointless insurance DRIVEL is what it is!

Have you got any other claims, fault or non fault in the past 5 years.

For example if you have had 3 people crash into your parked car, even if all of them have paid for the damage to your car, your risk will be increased because its likely you park in a place where it could happen again and there's a chance the next person to do it won't leave their details.

I used to deal with an old dear who couldn't work out why many insurers didn't want to deal with her even though she's had 5 accidents where people had crashed into the back of her in 5 years. Once or twice is unlucky, 5 times means you're a shit driver and probably drive too slow and brake too early and hard!

 

[Marc]

How have they justified the increase? Sounds very dodgy if you ask me. I assume that you've kept your no claims bonus?

I just do it online and the price goes up as they have the option "Has there been a Claim Fault or No Fault" so I say there has and it goes up! kept my no claims yes...again miffed by that!

Have you got any other claims, fault or non fault in the past 5 years.

For example if you have had 3 people crash into your parked car, even if all of them have paid for the damage to your car, your risk will be increased because its likely you park in a place where it could happen again and there's a chance the next person to do it won't leave their details.

it was hit once and as far as I know thats the first time in 20years in that area outside my house!

 

[Skint Gull]

I just do it online and the price goes up as they have the option "Has there been a Claim Fault or No Fault" so I say there has and it goes up! kept my no claims yes...again miffed by that!




it was hit once and as far as I know thats the first time in 20years in that area outside my house!

Is it just your insurer that's put it up then, must be cheaper with someone else if thats the case? Don't forget to buy your insurance through Quidco - The web's cashback cooperative if you haven't already paid!

 

[sten_super]

I just do it online and the price goes up as they have the option "Has there been a Claim Fault or No Fault" so I say there has and it goes up! kept my no claims yes...again miffed by that!

it was hit once and as far as I know thats the first time in 20years in that area outside my house!

But I thought you said there hadn't been a claim? Surely 'no fault claim' means if you are hit by an uninsured driver or some such and have to claim on your insurance? Saying that, I'm no expert though so may be completely wrong.

 

[Dick Knights Mumm]

That is interesting. I was really cross when someone went into our car on a roundabout. My son (17) was driving - and my daughter (19) was a passenger. The excess on the policy was £250 - and would have applied if my daughter had been driving - but because my son was driving it went up to £650. So we pay a £1000 to insure (the equivalent was £400 for my daughter) and then get walloped for the excess as well. We should get it back - but why do we pay more for the policy AND more for the excess.

 

[Marc]

its a different insurer thats putting the price up not the one I was with when the incident took place.
I DID'NT make the claim the person who hit me did, they paid out in full it cost me or my insurers nothing.
New insurer asks if you have had a claim Fault or No Fault, so I enter details ticking the NO FAULT options. If i say No Claims then its £40 cheaper...THATS what I dont understand!

 

[sten_super]

its a different insurer thats putting the price up not the one I was with when the incident took place.
I DID'NT make the claim the person who hit me did, they paid out in full it cost me or my insurers nothing.
New insurer asks if you have had a claim Fault or No Fault, so I enter details ticking the NO FAULT options. If i say No Claims then its £40 cheaper...THATS what I dont understand!

Wait until someone who actually knows stuff about this confirms or denies, but it sounds to me like you don't have to tick either box, as you have not made a claim. I would guess the no claims bonus is thanks to the various options you have nowadays to 'protect' the no claims bonus, even if you make a claim.

 

[Marc]

Wait until someone who actually knows stuff about this confirms or denies, but it sounds to me like you don't have to tick either box, as you have not made a claim. I would guess the no claims bonus is thanks to the various options you have nowadays to 'protect' the no claims bonus, even if you make a claim.

I would ask the insurer on the phone to confirm but they'd know straight away and immediately make a note of it!

 

[drew]

That is interesting. I was really cross when someone went into our car on a roundabout. My son (17) was driving - and my daughter (19) was a passenger. The excess on the policy was £250 - and would have applied if my daughter had been driving - but because my son was driving it went up to £650. So we pay a £1000 to insure (the equivalent was £400 for my daughter) and then get walloped for the excess as well. We should get it back - but why do we pay more for the policy AND more for the excess.

If someone went into the back of you then you should have got the excess back of them. Check with your insurers to see if they made a recovery of their outlay. If they did, get the third party insurers details and claim number and claim back your excess. It's all very well banging on about the excess for your son but young drivers are statistically the worst and hence insurers charge more when the are driving.

 

[Dick Knights Mumm]

If someone went into the back of you then you should have got the excess back of them. Check with your insurers to see if they made a recovery of their outlay. If they did, get the third party insurers details and claim number and claim back your excess. It's all very well banging on about the excess for your son but young drivers are statistically the worst and hence insurers charge more when the are driving.

We will get the excess back (I hope). I understand that about lads driving - trust me - I have helped teach both my son and daughter to drive and I know which is safer. I wasn't banging on - I was pointing out the difference in excess when it would have made no difference who was driving.

 

[barney]

i had a crash, no fault of my own and my premium went up 20 quid a month because of it!! f***ing joke

 

[Cian]

If you've been hit, why would you have to pay the excess at all?

Got rammed recently, other driver admitted at the scene, the insurers paid the main dealers and all I did was sign a form at the end of it. Sorted, never cost me a penny excess wise (despite the policy having one).

 

[barney]

Got rammed recently.

oh yeah??

 

[Cian]

oh yeah??

Ugly middle aged white van man - not my kind of thing

 

[barney]

each to their own MYOB