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  • FIRST POST
    • Jimmandon
    • By Jimmandon 17th May 17, 10:52 AM
    • 10Posts
    • 0Thanks
    Jimmandon
    Car Insurance HELP PLEASE!!!!
    • #1
    • 17th May 17, 10:52 AM
    Car Insurance HELP PLEASE!!!! 17th May 17 at 10:52 AM
    Hello all. My good friend has pointed me to this site as he said the community on here are really helpful.

    I feel like my car insurance company have completely had me over. Long story short a third party driver reversed into my car only causing minor damage but he quickly realised he could spin it and say I drove into the back of him, he had no tail lights and no indication for his reverse manoeuvre. He is only insured third party fire and theft, he is not seeking to claim against me but isn't admitting liability. So here is what a find absolutely ridiculous.

    I drive an average car 07 Astra i'm 30 years old and have been driving for 12 years with no motoring offences and pay around £1100 per year for car insurance with 3yrs no claims bonus. So because the person who reversed into me is not accepting liability, it has to be marked down on my policy with Hastings Direct as a fault of mine, which in turn means I lose my no claims bonus. All of a sudden I receive a text from them saying your policy has been cancelled. I contacted them to ask why and they stated "because you are making a claim it has to be marked as a fault on your policy so you lose your no claims bonus and then we recalculate your premium and if it is over £1000 we automatically cancel your policy". So then I was stuck at work with my vehicle and no car insurance, To start a new policy that day i was looking at over £2000 for the year. £2000, i'm paying even more than I did when I was 18 and a new driver. I had no choice so I had to fork out £198 for the first month of a new policy. In now way shape or form did Hastings try to meet my needs as a customer, it was just their way or the highway.

    I asked Hastings if I could withdraw my claim so that my no claims bonus can be reinstated, as the damage to my car is only a bumper graze and the only reason I chose to make a claim was down to principle. My premium had gone up anyway because of this incident. They said I could not now withdraw my claim and there is every possibility I may not get my no claims bonus back. I also have to pay £325 excess to get my bumper polished.

    So as a summary, you pay car insurance but when someone crashes into you, your insurance company cancels your policy. Any advice here on how to tackle this would be hugely appreciate.

    Thanks in advance to you all.
Page 1
    • Aylesbury Duck
    • By Aylesbury Duck 17th May 17, 11:03 AM
    • 1,196 Posts
    • 1,492 Thanks
    Aylesbury Duck
    • #2
    • 17th May 17, 11:03 AM
    • #2
    • 17th May 17, 11:03 AM
    Quick question: Why would they cancel your policy if the premium exceeds £1000 when you opened your post by saying your premium was already over £1000?
    • macman
    • By macman 17th May 17, 12:52 PM
    • 41,422 Posts
    • 17,043 Thanks
    macman
    • #3
    • 17th May 17, 12:52 PM
    • #3
    • 17th May 17, 12:52 PM
    So why didn't you take your business elsewhere? £1100pa seems incredibly high for someone of your age, record and vehicle type. Where do you live?
    Also, is your policy fully comp? If so, why bother on a 10 year old Astra?
    No free lunch, and no free laptop
    • Car 54
    • By Car 54 17th May 17, 1:21 PM
    • 2,459 Posts
    • 1,596 Thanks
    Car 54
    • #4
    • 17th May 17, 1:21 PM
    • #4
    • 17th May 17, 1:21 PM
    I've never heard of an insurer recalculating the premium (or withdrawing the NCD) mid-term. A very dark matter.
    • rudekid48
    • By rudekid48 17th May 17, 1:34 PM
    • 2,035 Posts
    • 3,522 Thanks
    rudekid48
    • #5
    • 17th May 17, 1:34 PM
    • #5
    • 17th May 17, 1:34 PM
    OP - I call BS on your entire post. There are so many holes in that story; it's not even a half decent attempt.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • AdrianC
    • By AdrianC 17th May 17, 1:40 PM
    • 15,714 Posts
    • 14,030 Thanks
    AdrianC
    • #6
    • 17th May 17, 1:40 PM
    • #6
    • 17th May 17, 1:40 PM
    Claim liability isn't strictly "at fault"/"not at fault", but more a matter of who ends up paying. This is for fairly obvious reasons...

    If your insurer recover all their costs from this other driver, then your excess will be refunded, and your NCB will be unaffected. But you will still have to disclose the incident for five years.

    If your insurer carry some of the costs, then you will lose your excess and your NCB will be affected.

    Making a claim over a bumper graze as a "point of principle" was only ever going to go one way, as "points of principle" inevitably do. Especially based on such a stretch of credibility as "I didn't go into the back of him - he suddenly reversed into me..." with no witnesses. What would YOUR reaction be if somebody told you that?
    • Jimmandon
    • By Jimmandon 17th May 17, 3:32 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    • #7
    • 17th May 17, 3:32 PM
    • #7
    • 17th May 17, 3:32 PM
    As soon as they recalculate your policy and it is over £1000 they automatically cancel your policy.
    • Jimmandon
    • By Jimmandon 17th May 17, 3:35 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    • #8
    • 17th May 17, 3:35 PM
    • #8
    • 17th May 17, 3:35 PM
    Why would I create a post and fill it with lies? So people on hear can help me with a bunch of lies? Seriously?
    • AdrianC
    • By AdrianC 17th May 17, 3:37 PM
    • 15,714 Posts
    • 14,030 Thanks
    AdrianC
    • #9
    • 17th May 17, 3:37 PM
    • #9
    • 17th May 17, 3:37 PM
    Why would I create a post and fill it with lies? So people on hear can help me with a bunch of lies? Seriously?
    Originally posted by Jimmandon
    You would be amazed how often people do precisely that.
    • Jimmandon
    • By Jimmandon 17th May 17, 3:38 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    Well I quickly recalculated on third party quote sites. They came in at £1400 and Hastings wasn't an option which means they must have blocked me from third party sites like compare the market. £1400 was with my no claims so it would have been more than the Hastings quote without. Also you say why bother on a 10 year old Astra, well I don't just have the expenditure to just go and purchase a new vehicle.
    • AdrianC
    • By AdrianC 17th May 17, 3:39 PM
    • 15,714 Posts
    • 14,030 Thanks
    AdrianC
    Also you say why bother on a 10 year old Astra, well I don't just have the expenditure to just go and purchase a new vehicle.
    Originally posted by Jimmandon
    I thought it was just a bumper graze?
    • Aylesbury Duck
    • By Aylesbury Duck 17th May 17, 3:47 PM
    • 1,196 Posts
    • 1,492 Thanks
    Aylesbury Duck
    Well I quickly recalculated on third party quote sites. They came in at £1400 and Hastings wasn't an option which means they must have blocked me from third party sites like compare the market.
    Originally posted by Jimmandon
    Are you suggesting that Hastings have somehow gained control of which websites you're allowed to access and use? That is real tinfoil hat stuff.

    I'm with the others on this. Complete nonsense. More holes than a colander.
    • Nodding Donkey
    • By Nodding Donkey 17th May 17, 3:47 PM
    • 2,479 Posts
    • 2,103 Thanks
    Nodding Donkey
    Isn't it strange, a few days after DM accidentally outs his latest aka a totally improbable story gets posted by a new poster.

    ETA And yes, I did notice that Car 54 got in first
    • Jimmandon
    • By Jimmandon 17th May 17, 3:51 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    I thought it was just a bumper graze?
    Originally posted by AdrianC
    It was just a bumper graze. Initially i was told the third party wasn't insured so MY insurance company wouldn't chase it any further, they told me I had to call the police myself so that I could confirm whether the driver was insured or not, turns out he was. I informed Hastings of this and they spoke to me like I was from a different planet telling them information they already knew. Initially I wasn't making a claim as the damage was minimal, but I was told that the third party was making a claim against me, so I did the same out of principle of right and wrong. Then I was told he no longer wishes to claim but isn't accepting liability. But I am now being forced to continue with the claim because apparently it can't be closed. Never at any point is this me trying to do anyone over or cut corners, just do the right thing.
    • Aylesbury Duck
    • By Aylesbury Duck 17th May 17, 3:53 PM
    • 1,196 Posts
    • 1,492 Thanks
    Aylesbury Duck
    they spoke to me like I was from a different planet
    Originally posted by Jimmandon
    Good grief, that's shocking. I'm off to lie down.
    • Jimmandon
    • By Jimmandon 17th May 17, 3:55 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    Isn't it strange, a few days after DM accidentally outs his latest aka a totally improbable story gets posted by a new poster.

    ETA And yes, I did notice that Car 54 got in first
    Originally posted by Nodding Donkey
    Obviously you guys have a community together here, I am a new poster and have just registered today. If you are so experience on this site, why make out a genuine story is false because of another thread you have been involved in prior?

    I didn't come here for conspiracy theories lol I came here for advice if possible.
    • Jimmandon
    • By Jimmandon 17th May 17, 4:01 PM
    • 10 Posts
    • 0 Thanks
    Jimmandon
    Good grief, that's shocking. I'm off to lie down.
    Originally posted by Aylesbury Duck
    Wow how sad that you find the time to be so condesending to someone who came here merely for some help on the matter and yet you call bull**** on the story. Me coming on here to lie to strangers is not going to help me in any way shape or form. I am suggesting that after Hastings cancelled my policy, they did not appear on 2 other price comparison sites, so I can only assume they removed their services to my registration plate. They all work off the same data base essentially?

    You seem like a full on keyboard warrior with nothing better to do with your time than troll people of forums that have come here with positive intentions. That type of behaviour usually derives from a lack of understanding of your inner sadness so you manifest it in the land of Qwerty keys.
    • Aylesbury Duck
    • By Aylesbury Duck 17th May 17, 4:23 PM
    • 1,196 Posts
    • 1,492 Thanks
    Aylesbury Duck
    You seem like a full on keyboard warrior with nothing better to do with your time than troll people of forums that have come here with positive intentions. That type of behaviour usually derives from a lack of understanding of your inner sadness so you manifest it in the land of Qwerty keys.
    Originally posted by Jimmandon
    Boo hoo.

    If the cap fits...
    • Guest101
    • By Guest101 17th May 17, 4:51 PM
    • 15,118 Posts
    • 14,765 Thanks
    Guest101
    Hello all. My good friend has pointed me to this site as he said the community on here are really helpful.

    I feel like my car insurance company have completely had me over. Long story short a third party driver reversed into my car only causing minor damage but he quickly realised he could spin it and say I drove into the back of him, he had no tail lights and no indication for his reverse manoeuvre. He is only insured third party fire and theft, he is not seeking to claim against me but isn't admitting liability. So here is what a find absolutely ridiculous.

    I drive an average car 07 Astra i'm 30 years old and have been driving for 12 years with no motoring offences and pay around £1100 per year for car insurance with 3yrs no claims bonus. So because the person who reversed into me is not accepting liability, it has to be marked down on my policy with Hastings Direct as a fault of mine, which in turn means I lose my no claims bonus. All of a sudden I receive a text from them saying your policy has been cancelled. I contacted them to ask why and they stated "because you are making a claim it has to be marked as a fault on your policy so you lose your no claims bonus and then we recalculate your premium and if it is over £1000 we automatically cancel your policy". So then I was stuck at work with my vehicle and no car insurance, To start a new policy that day i was looking at over £2000 for the year. £2000, i'm paying even more than I did when I was 18 and a new driver. I had no choice so I had to fork out £198 for the first month of a new policy. In now way shape or form did Hastings try to meet my needs as a customer, it was just their way or the highway.

    I asked Hastings if I could withdraw my claim so that my no claims bonus can be reinstated, as the damage to my car is only a bumper graze and the only reason I chose to make a claim was down to principle. My premium had gone up anyway because of this incident. They said I could not now withdraw my claim and there is every possibility I may not get my no claims bonus back. I also have to pay £325 excess to get my bumper polished.

    So as a summary, you pay car insurance but when someone crashes into you, your insurance company cancels your policy. Any advice here on how to tackle this would be hugely appreciate.

    Thanks in advance to you all.
    Originally posted by Jimmandon


    Something doesn't sound right here, for a start you can cancel your claim whenever you want to up until you cash the cheque.


    For another why are you claiming on your insurance?


    How long was left on your insurance for an increased premium of 100%??
    • rudekid48
    • By rudekid48 17th May 17, 5:18 PM
    • 2,035 Posts
    • 3,522 Thanks
    rudekid48
    A few quick points;

    1/ You were paying £1100 with 3yrs NCB but you say they won't cover premiums over £1000

    2/ Insurers cannot cancel a policy instantly with just a text message

    3/ Hastings (or you) could check instantly if the other vehicle was insured (askmid) - no need for the police

    4/ If a claim happens mid-term Hastings do not recalculate the annual premium there and then - only at renewal

    I could go on, but these few alone scream BS.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
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