Insurance B*stards

[Natasha]

I am so annoyed.

I’ve been getting insurance quotes for my car for when its back on the road and I’ve come up with £211.05 TPFT, protected ncb and business use for £3K miles, which I'm quite happy with.

Due the motorbike accident I recently had I now have to declare I’ve had a claim. However, I didn’t claim on my policy, all my insurance company did was appoint a solicitor on my behalf and got them to sort it out which they did. Plus the fact that I wasn’t anywhere near the motorbike when she reversed into it causing £1100 worth of damage!

So I didn’t pay my excess and no engineer visits were done so the insurance company were not out of pocket at any time whatsoever and they actually did f-all anyway.

Now the same insurance quote telling them the situation has put the premium up to £264.11.

Does anybody know about such things because this just sounds completely wrong and unfair to me?

[Natasha]

The insurance ombudsman (FSA) and trading standards can't help me so where do I get advice??

[Biker Biggles]

This sounds wrong to me.If you declare a non fault accident which resulted in no claim on your insurance,but was settled by the other parties insurance there should be no loading of your premium.Get back to them and make sure they have fully understood this and ask them to justify the increase.

[Jp]

Best thing to have done would be to have not told them the situation :roll: :roll:

Wanna swap places?

I would love to be able to pay 264 quid on my insurance..

[Natasha]

I have just spoken to the employee assistance programme that my company runs who have been very helpful and basically they said the insurance companies look at the risk, even if it was a non-fault accident, I was still involved so they assess my qualities based on that. He said there is no set amount somebody would be charged, so I’ll just need to shop around and hopefully find somebody who won’t hold it against me or not as much as £50 anyway!

[Nick762]

Apparently the reasoning behind it goes something like "you have had an accident and therefore statistically, you are more likely to have another accident even if the first accident was not your fault" :roll:

Another aspect that strikes me as unfair is that while they are quite happy to count your accident record in your car against you when quoting for insurance for your bike, they are less willing to allow your eight years of accident free motoring in a car to weight the bike quote in your favour!

[hutchy]

+ your insurance didn't pay out but someones insurance did and that knocks on the whole despicable industry, modern day vampires

- at least you got £1100 worth of repairs - when a motability driver reversed into my car she only did 140 quids worth of damage, she refused to settle cash as motability insurance doesn't penalise her for a claim, I have three insurance policies who each hit me for 50 quid - DO THE MATHS :cry: - if I knew before I'd had the repairs done what was coming I'd have paid for the repair myself - the insurance companies keep this quiet till it happens to you.

couldn't leave the car unrepaired it was only a month old!

[Conrad Poons]

Best thing to have done would be to have not told them the situation :roll: :roll:

That's all well and good until (God forbid) you need to make a claim and your name shows up on the central claim database and you get refused payment due to non-disclosure of material facts.

[Biker Biggles]

The other option is to go back to the original third parties insurance and demand compensation for your increased premium.Im still amazed that they can bump your premium up if you didnt claim on your policy when someone hit your parked vehicle.

[hutchy]

here's another insurance beaut for you - I have 2 car policies cos my wife has never had insurance - we got quotes for her own insurance when she baught a KA and they all wanted around £1500-£2000, it costs me £200 fully comp NCP - I said to one insurer (that only insures women :wink:) how would my wife get on if anything happened to me "OH NO PROBLEM SIR AS SOON AS SHE DIVORCES YOU WE'LL GIVE HER YOUR 9+ YEARS NO CLAIMS"

[Cloggsy]

I said to one insurer (that only insures women :wink:) how would my wife get on if anything happened to me "OH NO PROBLEM SIR AS SOON AS SHE DIVORCES YOU WE'LL GIVE HER YOUR 9+ YEARS NO CLAIMS"

:shock: They actually said that :?:

[Natasha]

The worse thing about all this is that NOBODY regulates this sort of behaviour againist the consumer because its not illegal.

Doh!

[hutchy]

Yes she did, and I was too shocked to come back with an answer, of course I was thinking about if I died - so at least she didn't jump in straight to the worst case like me :roll: LOL

[Last Action Pimp]

Now this is Unfair

I own a Sv650K4 (naked) and i payed £667 TPFT with a £600 Excess and i have 2 years no -claims and had the bike on the road for 3 Months

My Friend Has Got a Quote For £520 TPFT with a £250 Excess On a Sv650K5 (Naked), 0 Riding Experience. but they are female and live in a slightly lower crime area (Not Much Tho)

We are both Restriced and are both 18 Years of age.

Now Thats Unfair shouldn't riding experience count more than your sex! (No Punns Plz)

[Juju]

Hi there.

I'm no underwriting expert, but it strikes me that an insurer should not be loading for non fault accidents. I say that not in the spirit of fairness, but simply that it makes no sense, and I have not heard of it before in the business, working for Directline at the moment and previously for Sabre Insurance. I have been in insurance for 7 years on the claims side of things.

Let me ring a "very" senior motor underwriter tomorrow (he's the guy at Direct line who I persuaded should allow bikers to transfer bike earned ncd to cars) before we all hastilly judge the situation.

It might be worth ringing your insurers and asking them for two quotes, one with the n/f accident, and one without to see if it is that affecting the calculation. - It may be something completely unrelated. For example, my insurance on my MG has just gone up, and I questioned it, and its because despite never asking for legal or breakdown cover (I can sort out my own legal problems!) they always add it at renewal apparnetly.

As for the chap reversed into by a motability driver - what 3 insuranbce policies are you ralking about with 3x £50 payments? I don't understand. Did you claim off your own insurer? If so, they will have recovered their outlay off motability (Morethan, a Royal Sunalliance Insurer) and you simply send them your excess receipt for £50 and they reimbuese you. Or you claim directly and there is no excess at all.

If you guys have any claims issues, feel free to email me.

PS There is a big bad database of claims, so if you have a n/f rta, and your bike is written off or you sustain injury, then that information is there for people like me to check). - MIAFTA2 for vehicle claims and claimants- CUE for PI

[hutchy]

As for the chap reversed into by a motability driver - what 3 insuranbce policies are you ralking about with 3x £50 payments?

At the time of the accident the my insurance policy with Churchill was due for renewal, I had the renewal quote and was just in the process of ringing round when it happened, since I knew that the accident would complicate things I phoned churchill and explained the situation, the operator confirmed that the TP had accepted liability and it didnt make a difference to my premium, great I renewed on the phone there and then, woops! I didn't have that in writing and a fortnight later I got a request for £46 extra due to the change in policy, I phoned and tried to explain but the operator just kept asking me how I would like to pay!

Next I phoned my second insurer Direct Line (being a good boy) and explained about the accident, the operator came straight back with £46 extra due to change in my policy, I tried to talk to the operator about this loading but she just kept asking me how I would like to pay!

When I phoned round for my bike policy everyone I asked said that the second claim was hurting me to the tune of about 50 quid, including the company I went with Bennetts (although it was 25 quid in their case).

Just so you have all the facts I have 9+ NCD years on both my car policies and the car park bump was the second non fault claim in the past 3 years (1st one is 3 years old thursday, TP crossed me at traffic lights) and nothing else.

I left Direct Line many years ago because they refused to protect my NCD as I had had a fault claim and my wife (on my policy) had a fault claim in the same year, I was told this was standard policy for 2 fault claims in one year, but churchill didn't agree, sooner or later all insurance companies seem to mess me about.

Can I just say sorry to natasha - I feel like I've hijacked this thread and that wasn't my intention.

[hutchy]

he's the guy at Direct line who I persuaded should allow bikers to transfer bike earned ncd to cars

If you can talk him into the reverse of this you'll personally get all three of my policies at next renewal :D
And I'll take you for a meal and a night out :D

[Vtwinlover]

Now this is Unfair

I own a Sv650K4 (naked) and i payed £667 TPFT with a £600 Excess and i have 2 years no -claims and had the bike on the road for 3 Months

My Friend Has Got a Quote For £520 TPFT with a £250 Excess On a Sv650K5 (Naked), 0 Riding Experience. but they are female and live in a slightly lower crime area (Not Much Tho)

We are both Restriced and are both 18 Years of age.

Now Thats Unfair shouldn't riding experience count more than your sex! (No Punns Plz)

Was it a lot more for COMP as i was 19 when i got my first restricted SV and had 3yrs no claims riding experience and i Paid £1,550 with £500voluntary excess.

Your right about the sex :wink:
But if they group all men together as higher risk when they obviuosly vary.

And then group all women together as a lower risk when each individual gal clearly varies in risk. Its all playing with statistics to suit their (ins company's) financial agenda :x

[Natasha]

Don't worry about hijacking post! LOL

A friend of mine seems to think that I won't be on the central claim database because I didn't actually claim on my insurance, I just used legal assistance.

I don't want to keep quiet incase I'm in the wrong (and if I do have an accident and my insurance doesn't pay out because I didn't tell them then it would only be me to blame), but nobody can tell me exactly how the claim thing works so I'm not sure what to believe but at the moment I'm thinking, I used legal assistance on a bike policy, so no insurance claim and what has that got to do with my car?

What a nightmare!

[KrZ]

These insurance really doesn't make any sense, how can bike and car be related? car and bike are totally different beast. what if i get a jet ski and it got stolen, does that mean my car and bike insurance will go up?

[kwak zzr]

all insurance company's are ROBBING *******'S they all want to be your friend till you make a CLAIM! sorry this does'nt help but i had to get it off my chest once more.
daz(midlands)

[KrZ]

just another thought, if we pay for seperate insurance for car and bike, surely one can't be related to another... well, i guess if i run a insurance company, i won't think this way.. :evil:

[kwak zzr]

its always been an unfair way of SCREWING u twice!!

[Wiltshire7]

insurance companys are the enemy of all motorists.

Still, i wish £50 was worth arguing about on my policy. £1800 fully comp on a k4 anyone?

still, i get my moneys worth :D

[Biker Biggles]

You are paying more on insurance than it would cost to buy a five year old sv.When you get paid out thats got to be worth considering as a replacement?

[BillyC]

Juju... this is very interesting, can you tell me more about this accident/claims database?

I had an accident last year, which I did tell my insurance company about, but made no claim for whatsoever! The other driver did not stop at the scene.

For these reasons, I'm very reluctant to declare it openly when buying insurance. However, I did tell my then insurance company, and the police were involved due to the "hit and run" nature of the accident.

Would this be on the said database?