Just been scammed by Budget Insurance

Notmyrealname

Scots wrote: »

I think your wrong. When I reported the incident to Swift last May they said it was not a claim but merely a notification which they logged.

Still doesn't matter. You were involved in an accident you didn't declare and committed a criminal offence by not declaring it when asked during the application process.

Scots

Notmyrealname wrote: »

Budget are correct. You have had an accident even if it wasn't your fault and your insurance company did not pay out. When you say you've had an accident when getting quotes, in the list of descriptions is "Not at fault, amount recovered" or similar. You have failed to disclose this. Be grateful they've not reported you for making a false statement because technically you've committed fraud by deliberately stating you'd not had an accident when you had.

I never had an accident. My car was parked at the time. I wasn't in it. A guy ran into it. How is that me having an accident ?

Oh and I didn't 'deliberatly' not state it..... as far as I was aware I didn't have to state it.

G51shopaholic

I was with Sheila's Wheel and they tried to bump up an online quote by £30 as my car was hit while parked in a supermarket carpark. Luckily ~i was sitting in my car so the other driver got caught even though he tried to drive away.

No fault means no fault why should Insurance companies add £30 extra for nothing?

Scots

G51shopaholic wrote: »

I was with Sheila's Wheel and they tried to bump up an online quote by £30 as my car was hit while parked in a supermarket carpark. Luckily ~i was sitting in my car so the other driver got caught even though he tried to drive away.

No fault means no fault why should Insurance companies add £30 extra for nothing?

Another scamming company then

verityboo

Scots wrote: »

You see this is where I see it different ..... I never made a claim. The other driver did. They hit me and their car was damaged as well as mine. The other driver wanted to put it through his insurance. His insurance company asked me to get some quotes which I did and sent them in and they paid for the repair. At no time did I make a claim, the other guy did.

Yes you did make a claim - you claimed from the other driver which makes it a no-fault claim (not your fault) - that still makes you a higher risk - hence the higher premium.

Really, you tried to scam Budget insurance and got found out;)

Scots

verityboo wrote: »

Yes you did make a claim - you claimed from the other driver which makes it a no-fault claim (not your fault) - that still makes you a higher risk - hence the higher premium.

Really, you tried to scam Budget insurance and got found out;)

Ok, let me ask this, suppose I didn't claim as you put it. Lets say the damage was very minor and I said to the other guy to just forget it.

The incident would still have occurred, no money would have been paid to fix my car although he may still have got his new car fixed through insurance.

Would I report that and get higher premiums ?

mikey72

verityboo wrote: »

Your lucky that the spotted the mistake now and are allowing you to pay the extra - they want to charge extra because statistically drivers who make no-fault claims are more likely to make fault claims.
If they had not spotted it now, and later you tried to claim, they would have cancelled your insurance immediately and would have refused to pay any claim relating to your vehicle. Being refused insurance would then have cost you dear

It's an inadvertent non disclosure, they would have just charged the extra premium when the claim went through, and taken it off the settlement

Notmyrealname wrote: »

Budget are correct. You have had an accident even if it wasn't your fault and your insurance company did not pay out. When you say you've had an accident when getting quotes, in the list of descriptions is "Not at fault, amount recovered" or similar. You have failed to disclose this. Be grateful they've not reported you for making a false statement because technically you've committed fraud by deliberately stating you'd not had an accident when you had.

Notmyrealname wrote: »

Still doesn't matter. You were involved in an accident you didn't declare and committed a criminal offence by not declaring it when asked during the application process.

Just oh so wrong.


But to the op, it is an accident, and it does need to be declared.
Some insurers charge extra, some don't.
Sadly, yours does.

mikey72

Scots wrote: »

Ok, let me ask this, suppose I didn't claim as you put it. Lets say the damage was very minor and I said to the other guy to just forget it.

The incident would still have occurred, no money would have been paid to fix my car although he may still have got his new car fixed through insurance.

Would I report that and get higher premiums ?

Technically, yes.

Some people don't though.

Some people fix it between themselves.

Scots

mikey72 wrote: »

Technically, yes.

Some people don't though.

Some peolpe fix it between themselves.

What if your sitting in your house, as I was, you hear a noise, go out and your car is damaged and nobody to be seen.

You don't fix it, or you do it yourself.

Should you report that on your renewal as being involved in an accident ? and maybe pay extra premium.

I don't think you would. And I don't think it would make you a fraudster.

That would mean every time you scratched your car door on a wall you would need to report it.

Scots

Anyway I'll ask again if anybody can answer these points.

Am I paying extra because they see me as a higher risk because I'm likely to be involved in accidents and put in claims.

Or am I paying extra because they see me as a fraudster who doesn't complete questionaires correctly.

And why does my paperwork still show me as being at fault when I wasn't and I've provided them proof of that ?

And why are they charging £30 amendment fee this week when they weren't charging it the week before?