How will the insurance try to screw me? - Page 3 - SV650.org

10-01-11, 05:23 PM

If it was her fault and she was using her insurance but driving your car as it was insured for you then no cash back for the car as third party only (her insurer). She should be the one claiming on her insurance so if the insurers ask if YOU have had a claim or accident, then the answer is no.

If she is on your insurance and full both fully comp then you will get cash for the car but even with protected no claims you will get an increase on the premium. Claim on both name on policy.

Bri w · 10-01-11, 06:17 PM

By the time the insurance company finish with you you'll wish they'd only screwed you!

Incoming! Brace youself.

yorkie_chris · 10-01-11, 06:21 PM

The point about scrapping it is a good one, big petrol 4x4s aren't worth much these days... scrap it/sell it and buy something else

10-01-11, 06:30 PM

One thing to remember --if the car is written off the insurance is normally stopped from that point so consider how much insurance you still have running on the policy as that remainder is a loss to you.
eg car value £1000 Excess £200
Remaining insurance value £120
Increase in new premium £130
£450
______
£550
Is it worth loosing the money as you will be paying the increased premium for ever

10-01-11, 08:32 PM

dont forget they will take 10 years to actually give you any cash

10-01-11, 08:47 PM

Make sure you have plenty sweetcorn tonight so its not a bed of roses for them tomorrow......

When you off to Canada and for how long?

11-01-11, 12:36 AM

Quote:

Originally Posted by Berlin

I wouldn't be claiming if I didn't have protected no claims so no justification for a higher premuim next year.

C

So do i, except i didnt make a claim, still went up from ~£260 to ~£470.

11-01-11, 08:11 AM

Carl clear your inbox.

11-01-11, 09:39 AM

Done.

Well its now been two days wating for them to call me back so it looks like there might not be a claim in the first place!

TamSV · 11-01-11, 09:43 AM

Everybody's claims departments are snowed under at the mo (if you'll pardon the pun).

Making a polite nuisance of yourself often gets you to the top of the pile.

View Poll Results: How will the Insurance try to screw me?
She's only insured Third party	4	15.38%
There's something you didn't tell us about	4	15.38%
Your car is only worht £2.50	1	3.85%
The damage is about £200 so we'll write your car off	3	11.54%
You haven't informed us in the correct way/ Some other crappy excuse	3	11.54%
All of the above and Keith D	11	42.31%
Voters: 26. You may not vote on this poll

10-01-11, 05:23 PM	#21
B1k3R Guest Posts: n/a	Re: How will the insurance try to screw me? If it was her fault and she was using her insurance but driving your car as it was insured for you then no cash back for the car as third party only (her insurer). She should be the one claiming on her insurance so if the insurers ask if YOU have had a claim or accident, then the answer is no. If she is on your insurance and full both fully comp then you will get cash for the car but even with protected no claims you will get an increase on the premium. Claim on both name on policy.

10-01-11, 06:17 PM	#22
Bri w Member Join Date: Jun 2009 Location: Turre, Almeria Posts: 668	Re: How will the insurance try to screw me? By the time the insurance company finish with you you'll wish they'd only screwed you! Incoming! Brace youself. __________________ *"It's not the years in your life, it's the life in your years."* Currently - Fighting the urge... seen a nice Triumph America Previously - Honda CB125, Honda CB400-4 & BSA B40, Moto Guzzi 850, Yamaha RD250, Suzuki GT380, Kawasaki Z1B, Kawasaki Z650, Honda VFR, Triumph Street Triple R.

10-01-11, 06:21 PM	#23
yorkie_chris Noisy Git Mega Poster Join Date: Apr 2007 Location: Halifax/Leeds Posts: 26,645	Re: How will the insurance try to screw me? The point about scrapping it is a good one, big petrol 4x4s aren't worth much these days... scrap it/sell it and buy something else __________________ Currently Ex Biker Now rebuilding a 63' fishing trawler as a dive boat

10-01-11, 06:30 PM	#24
Dicky Ticker Guest Posts: n/a	Re: How will the insurance try to screw me? One thing to remember --if the car is written off the insurance is normally stopped from that point so consider how much insurance you still have running on the policy as that remainder is a loss to you. eg car value £1000 Excess £200 Remaining insurance value £120 Increase in new premium £130 £450 ______ £550 Is it worth loosing the money as you will be paying the increased premium for ever

10-01-11, 08:32 PM	#25
davepreston Guest Posts: n/a	Re: How will the insurance try to screw me? dont forget they will take 10 years to actually give you any cash

10-01-11, 08:47 PM	#26
rob13 Guest Posts: n/a	Re: How will the insurance try to screw me? Make sure you have plenty sweetcorn tonight so its not a bed of roses for them tomorrow...... When you off to Canada and for how long?

11-01-11, 08:11 AM	#28
rob13 Guest Posts: n/a	Re: How will the insurance try to screw me? Carl clear your inbox.

11-01-11, 09:39 AM	#29
Berlin Guest Posts: n/a	Re: How will the insurance try to screw me? Done. Well its now been two days wating for them to call me back so it looks like there might not be a claim in the first place!

11-01-11, 09:43 AM	#30
TamSV Member Mega Poster Join Date: Feb 2010 Location: Troon, Ayrshire Posts: 1,812	Re: How will the insurance try to screw me? Everybody's claims departments are snowed under at the mo (if you'll pardon the pun). Making a polite nuisance of yourself often gets you to the top of the pile.

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