New insurance scam by the insurers

stevirobbo

I recently found out that all is not black and white when renewing your insurance.

I was with Esure and my wife had an accident which was not her fault and we had a nightmare of a claim with esure, first they use third parties for your car you don't get a courtesy car you get a hire car and you have to pay for it daily, even if it isn't your fault.
Anyway to cut a long story short we were not happy and decided to take out our new insurance with a new company!!

We decided to go through "confused.com" which is supposed to be an easy route "wrong again" on their form it asks "have you had an accident in the last 5 years ?" even if it wasn't your fault!! we had top put "yes" so guess what non of the insurance companies would insure us and the only ones who would were the rip off insurance companies who charged £600+ a year when our insurance was only£400 with esure.

We found this to be unjustified as my wife was out minding her own business and out of the blue someone smashed into her hence putting our insurance up by over £200 a year.

We went back to esure and they said we would have to make a fresh insurance policy up and because we were now new customers the insurance was £650 , after a slip up on their part they agreed to renew for £430 but now we are stuck with an insurance company we don't like because the insurance companies have moved the goal posts.

How can we be liable to pay more for our insurance because some idiot ran into us? It just doesn't make sense ........ What are we paying insurance for? If there is no protection .

We have on our policy no claims discount (well that's a laugh isn't it?)

stevirobbo

Does anyone know why our premiums are going up now whether it is our fault or not, why are we being penalised for someone elses fault?

sw67

I didnt have any problem moving from direct line to NFU after my excess increased from £150 to £400 due to having 2 extra seats fitted in my van. What prompted the move was the fact i was hit twice last year by other drivers and even though my excess was waived it was too much to be paying out.

I had letters from Direct line saying they had recovered their costs and NFU said it made little to no difference to my premium

Much happier now my excess is back to £150 but i did phone them up to get a quote

MX5huggy

How can we be liable to pay more for our insurance because some idiot ran into us?

Because the premium is based on risk, statistics show people who have no fault accidents are more likely to have a fault accident in the future.

We found this to be unjustified as my wife was out minding her own business and out of the blue someone smashed into her

Instead of minding her own business may she should have been driving defensively so cars did not hit her "out of the blue". (Sorry harsh I know) But the point is she has proved by being involved in an accident that she has not been able to avoid an accident .

GEEGEE8

MX5huggy wrote: »

Because the premium is based on risk, statistics show people who have no fault accidents are more likely to have a fault accident in the future.

Instead of minding her own business may she should have been driving defensively so cars did not hit her "out of the blue". (Sorry harsh I know) But the point is she has proved by being involved in an accident that she has not been able to avoid an accident .

Eh?! Don't know about that, seems a bit odd..

When I worked in insurance, a 'no fault' claim was exactly that, and no extra premium was put on the policy.

Are you sure it's not because the claim isn't settled yet? That may make a difference?

GEEGEE8

& by being in an accident she has proved that she has not been able to avoid it?

Sorry, but I really don't agree at all!

I was knocked off my motorbike when I was 17, hit from behind in standstill traffic, nothing I could have done.

If it's no fault, then it's got nothing to do with avoiding an accident.

mchale

The way round your scenario is to put no when asked about claims, and then get your quotes, ring your chosen one and explain you had a non fault claim, they then put a note on your file and insurance costs doesn't go up

Its not really a scam as you cant tell a computer your story

sw67

MX5huggy wrote: »

Instead of minding her own business may she should have been driving defensively so cars did not hit her "out of the blue". (Sorry harsh I know) But the point is she has proved by being involved in an accident that she has not been able to avoid an accident .

Total rubbish - i was hit twice. The first one a guy hit my van trying to park to exchange details with another driver he had just reversed into.

The second one 4 weeks later a guy drove straight into my side as i passed a junction. Both times the insurance did not ask for my excess as the claim was cut and dried

JQ.

GEEGEE8 wrote: »

Are you sure it's not because the claim isn't settled yet? That may make a difference?

I think that's the actual reason - until a claim is settled it's not a no-fault claim.

daveyjp

Revisit confsed.com and go to the "proposer" page. It asks if you have had an accident, when you answer "yes" it gives another box with four questions, two of them are:

Was it settled?

Was the driver at fault?

If you can answer yes to the first and no to the second you should get quotes which disregard your accident - it did for me as I did a quote without an accident I had and one with and the cheapest quote was the same.

motorguy

stevirobbo wrote: »

I recently found out that all is not black and white when renewing your insurance.

I was with Esure and my wife had an accident which was not her fault and we had a nightmare of a claim with esure, first they use third parties for your car you don't get a courtesy car you get a hire car and you have to pay for it daily, even if it isn't your fault.
Anyway to cut a long story short we were not happy and decided to take out our new insurance with a new company!!

We decided to go through "confused.com" which is supposed to be an easy route "wrong again" on their form it asks "have you had an accident in the last 5 years ?" even if it wasn't your fault!! we had top put "yes" so guess what non of the insurance companies would insure us and the only ones who would were the rip off insurance companies who charged £600+ a year when our insurance was only£400 with esure.

We found this to be unjustified as my wife was out minding her own business and out of the blue someone smashed into her hence putting our insurance up by over £200 a year.

We went back to esure and they said we would have to make a fresh insurance policy up and because we were now new customers the insurance was £650 , after a slip up on their part they agreed to renew for £430 but now we are stuck with an insurance company we don't like because the insurance companies have moved the goal posts.

How can we be liable to pay more for our insurance because some idiot ran into us? It just doesn't make sense ........ What are we paying insurance for? If there is no protection .

We have on our policy no claims discount (well that's a laugh isn't it?)

Do you mean protected no claims discount, or just no claims discount?

Either way, insurance companies can weight your insurance against you because of your recent driving past. As some others have said, whilst your wife may not have been to blame, there is now a statistical risk that she will have another accident, and thats why the insurance companies have added to the premium.

Also, premiums have went up significantly, so the full £200 may not have been due to the accident.