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New insurance scam by the insurers
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"MX5huggy" For an earlier answer (she was stationary waiting for passing traffic so she could turn) and a car smashed into the side of her,(I can't explain fully the situation but it was cut and dry) the claim was seen as the other parties fault and it was settled in my wifes favour)
However unless you stay with your insurer and do not change insurers you are ok no insurance rise.
However if you change insurers, you are asked if you have been in an accident in the last 5 years whether or not you were at fault!!
"daveyjp" There is no option like written above it is yes or no or at least there wasn't when I filled the form out.
"mchale" I chose "no" at first and joined the AA insurance when I got the policy through it states I had not had an accident in the last 5 years be it my fault or not.
I rang them up and explained the policy was wrong as my wife had been in an accident over the last 5 years and it was not her fault, they told me the policy would change and a further £200 would be put on top of the policy.
This is why I had to go back to esure who I don't want to be with.
So don't argue the facts until you change insurance companies.
By the way if you put "no" to the question and you have an accident your claim is null and void because you lied on your policy, the girl from the AA who I spoke to told me it flashed up on her screen that we had, had an accident in the last two years, so if you put "no" straight away they know you are lying even if you were proved to be at no fault.
I asked the girl if this was justified and she said this is now the way they do things, and she could see it my way.
If I got mugged and put in a claim would it be seen right that I paid the mugger?
I also asked if I could go back to my wifes original claim and claim the excess insurance through the third party insurers in the claim and was told "no"
"pgilc1" We pay extra for no claims protection but what is the point if you get penalised when it's not even your fault
"sw67" I think you mean "cut & dry" not cut and dried that's what you get at a barbers0 -
"daveyjp" There is no option like written above it is yes or no or at least there wasn't when I filled the form out."
Try again - I did this immediately before posting the info0 -
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.
So even in my recent case of a neighbour smashing into my EMPTY parked car outside my house, that now means I am more likely to cause an accident in the future - where is the sense in that?
Also a question to the OP, I was insured with Sheilas Wheels (under same umbrella company as Esure as I understand it) and when I had my "not my fault" accident I was also given a courtesy car through a third party company (Enterprise) but I only paid £1 deposit for the whole 17 days I had it! Did you clarify with the hire company why they were charging you unless it was not part of the cover you took out with Esure. Did your policy say it included a courtesy car? If not, maybe you should have asked the third party insurers to provide one - they usually contact you (as they did in my case) and offer you the opportunity to use their courtesy car and repairers (avoids you making massive claims through your own insurance company, I suppose):j:T Total Prize Value 2012 - £1835 :T:j
:AThanx to all the good people that post comps (and answers!):A
Be Good, Be Lucky, Be Happy:)
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stevirobbo wrote: »"pgilc1" We pay extra for no claims protection but what is the point if you get penalised when it's not even your fault
Protected No Claims Discount is not a "your premium will never go up" guarantee and no insurer would ever sell it as such.
Your NCB is simply a voucher. If your base premium is £1,000 and your NCB is worth 70% off, you will pay £300.
If however, your risk profile changes (usually due to a claim or conviction), your base premium will increase because of that. Your "discount" will remain at 70% but it will be a discount on the higher base premium .Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
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?
A little while back I had a significant problem based around this. I had someone make a bogus claim against me which I had to treat as an at fault claim for 2 renewals whilst it was all sorted. When he finally dropped the case I rang my insurance company to tell them the news and they said "oh, we cant remove it, but we'll change it to no fault, that puts your insurance up by £xx :mad:
Arguement being that those who have non-fault are more likely to have at fault (I still cant work out the reconciliation of an increased premium from changing an at fault to a non fault tho)Proud of who, and what, I am. :female::male::cool:0 -
So even in my recent case of a neighbour smashing into my EMPTY parked car outside my house, that now means I am more likely to cause an accident in the future - where is the sense in that?.......)
It all down to the statistics, some show that people involved in no fault accidents are more like to have other accidents and so load your premium and other don’t. From my own knowledge (now 6 or 8 years out of date) Elephant do load for no faults, Direct Line don’t
In my case Elephant were still cheaper than Direct Line even with the £100+ no fault loading I got, it all depends on what sort of car/drivers the companies are targeting
It’s not worth stressing about, just use the on-line comparison sites to find the best option for you and your circumstances.
It’s also worth remembering that increased premiums resulting from a no fault claim are a consequential loss and can be recovered from the TP insurance company just like car hires costs etc0 -
It’s also worth remembering that increased premiums resulting from a no fault claim are a consequential loss and can be recovered from the TP insurance company just like car hires costs etc
Really? I must get get on to their insurance company - many thanks for that bit of info and advice:j:T Total Prize Value 2012 - £1835 :T:j
:AThanx to all the good people that post comps (and answers!):A
Be Good, Be Lucky, Be Happy:)
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I wish I was paying £600 a year for insurance.
Anyway insurance has gone up anyway due to all the accidents in the snow and ice early this year.
Its not a scam, insurance is just calculated risk. My car window got smashed early this year, it wasn't my fault and I put in a claim for the glass (£75) but my premium still went up as a result.0 -
Quote : We pay extra for no claims protection but what is the point if you get penalised when it's not even your fault
The no claims is a percentage discount off the cost of the insurance policy. You pay extra to protect that discount. They can however increase the cost of the policy as they see fit so you end up getting 50% off £1000 instead of 50% off £600. This has always been the case, the cost of a policy is due to nummerous factors including risk, where the car is parked overnight, crime risk within your postcode area etc0
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