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Protected no claims!
Saturday moan.
I was involved in a small bump last year. I reversed into a stationary car. We were going to just pay cash to sort out the small scratch on her bumper, but after several weeks, were told they are claiming off the insurance due to the lady requiring a hire car……. what a load of crap, they claimed £3k in personal injuries….
Anyway, that to one side, my insurance is up for renewal, no worries I thought, as i have always opted to protected my no claims bonuses.
All day yesterday I was ringing around for quotes due to having a new van, etc. The policy expires on the 1st sept..
I am now being told that because I was at fault that the premium sky rockets, but I have protected no claims……….. apparently it doesn`t matter, as I have a fault claim against me… what is the point of protected no claims then????
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9 Replies
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they said to me that you still have your discount just that the base premium is now so high.
i think it cost me £4000 over 5 years to claim for a £2000 stolen car.
but i still had my NCB protected. yea right. -
Don’t get me started on insurance companies..
In September last year our van was written off when Alison was hit by another van that lost control, crossed the carriageway, and ran into her. In no way was she to blame the fault being 100% the other driver. The police were involved at the time and a full police report was available.
I was told that the quickest way to settle the claim was to claim off my own insurance and they in turn would claim back from the other drivers insurance. I was offered a pitiful bottom book price for the van even though I paid for a cap valuation that demonstrated the vehicle was worth 33% more then our original offer. After months of haggling we eventually settled on an amount that was nearer the true value. Meanwhile my insurance came up for renewal in April this year and I was unable to obtain any quotations from other insurers because of the ongoing claim. I therefore renewed with my existing insurer who insisted that I had lost my no claims until the matter was settled. I therefor paid extra to renew on the understanding that I would get this back once the claim was settled.
It was finally resolved in June but it took a further 6-8 weeks before my premium was returned and my no claims re-instated.
We have now lodged a formal complaint against out own insurer about the way our claim was handled and the length of time it took (10 months).
It’s time the industry was cleaned up.
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It will never change Phill even though it should, the insurance companies would lose millions I bet if claims and problems like yours were sorted out quickly.
When I had my accident in 1992 I had problems getting insurance 7 months latter when I was able to drive again despite the other guy having been taken to court and convicted of dangerous driving. -
Don’t get me started on insurance companies, they’re up there with the looters.
What get’s me is that there is nothing we can do about it.
My nephew is just about to pass his test, he’s been quoted £7000 for a £700 clio, how is this possible, surly it will be cheaper for him to drive around with no insurance / license / mot and properly even steal the dam car.
Something needs to be done! i thought of an idea myself, setup my own insurance company, charge every user £500 a year to drive any vehicle, including new drivers, if they have an accident, it goes up to £1000 a year for a minimum of 3 years, if i had 1000 customers, (surly easy enough) that would cover any accidents in that year and still make me a nice profit.
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Daniel, the cards are stacked against your nephew statistically. Might be an idea if he finds a different type of car like a saloon for a couple of years until he has built up a bit of a driving record. Hot hatches are always going to be more expensive to insure because they are so popular with young drivers.
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Get your Nephew to add you, his mum or dad as a named driver on the policy 😉
I don’t know why, but I know a lot of people who do that and it does come down.
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What I found when ring for quotes, was the new questions being asked.
Are the name drivers a frequent user, none frequent etc.
Will you be towing a trailer?
Does it have racking inside?
Just more ways to get out of paying…
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My Grandad has just got out of hospital after an op, and was told by the nurses to inform his insurance company before he drives. As they can use that as a reason no to pay out…
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quote David Hammond:My Grandad has just got out of hospital after an op, and was told by the nurses to inform his insurance company before he drives. As they can use that as a reason no to pay out…standard procedure really depending on what he was in for. Anything that relates to brain function, blackouts, epilepsy, limb mobility, eyesight…
…I had to do a full declaration & get it all filled in with notes of doctors, dates, specialists the other year.
there’s a whole list on the DVLA site of medical conditions that require a declaration.
http://www.direct.gov.uk/en/Motoring/Dr … /index.htm
If they are satisfied you get a letter back that your licence status is unchanged…if not, they may impose conditions or revoke it.
A risk yes, but if you don’t declare it to the DVLA and insurance company he may find out he’s got neither in the event of a claim.
My insurance hasn’t gone up that much this year, and I retained my NCB (protected for 2 claims in 5 years without prejudice) despite a minor bump I claimed for.
Dave
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