Swift cover, HOPELESS

apples101

SWIFT COVER... what a load of CRA£

they cant even sort out a no fault accident.

Thank you for your e-mail.
> To confirm if you wish to claim through us while your claim is open you
> will lose two years no claims discount and on the completion of the
> repairs you will need to pay your excess. Unfortunately we will not be
> able to supply you with a courtesy vehicle as you do not have the cover on
> your policy. If the third party insurance company accept liability to this
> accident then as you have legal cover we will be able to claim your excess
> and two years no claims discount back for you.
> If you could please reply to this e-mail to confirm this is what you wish
> to do.
>
> Kind Regards

nomoneytoday

99% of insurers work that way. You pay the excess, and they claim it back from the other party.

Once the other party settles the claim you also get your No claims back.

It's pretty standard.

iceicebaby

This is standard practice. You claim off your insurance and so need to pay your excess. This will affect your no claims bonus. If and when your insurance co can get the other party to admit liability, they will recaim what they have paid out back from them, so reinstating your no claims bonus. They will then claim back you uninsured losses (your excess)

apples101

well i have never had an experiance like this.

this is my forth accident in 13 years of driving.

never once have i had corrispondance like above.

a car was always provided (only issue was to get it upgraded) automatically .(all no faults)

my car was always promptly attended to.

and never once was my no claims discussed or that i had to deal withthe other parties insurence direct.

is this a service industry or just pay and sort it your self?

iceicebaby

Your insurance co will deal with the other party insurers on your behalf you dont need to do that. But you will need to claim on your insurance for your vehicle in the first instance and pay the excess until your ins co has claimed it all back from the other insurers.

Courtesy cars do not always come as standard with policies.

ctdctd

apples101 wrote: »

SWIFT COVER... what a load of CRA£

they cant even sort out a no fault accident.

Thank you for your e-mail.
> To confirm if you wish to claim through us while your claim is open you
> will lose two years no claims discount and on the completion of the
> repairs you will need to pay your excess. Unfortunately we will not be
> able to supply you with a courtesy vehicle as you do not have the cover on
> your policy. If the third party insurance company accept liability to this
> accident then as you have legal cover we will be able to claim your excess
> and two years no claims discount back for you.
> If you could please reply to this e-mail to confirm this is what you wish
> to do.
>
> Kind Regards

This seems normal to me - Swiftcover are a very low cost outfit and part of the cost saving means they don't offer a courtesy car. It's normal for insurance companies to remove the no-claims if you make a claim and only re-instate it if they get payment from the 3rd party - even if they don't say so quite so bluntly:-)

SwiftCover saved £100 PA for me - mind you I haven't had to claim yet!

gazza975526570

apples101 wrote: »

well i have never had an experiance like this.

this is my forth accident in 13 years of driving.

never once have i had corrispondance like above.

a car was always provided (only issue was to get it upgraded) automatically .(all no faults)

my car was always promptly attended to.

and never once was my no claims discussed or that i had to deal withthe other parties insurence direct.

is this a service industry or just pay and sort it your self?

are you sure your NCD was never affected whilst your previous claims where open?

Depends on who you where with - some insurers safeguard your ncd in a non fault accident immediately following registration - some dont.

Your car would either have been a courtesy car from the garage - or it was probably credit hire whereby the costs are claimed direct from the Third party normally via a hire car company

Its a case of needing to check what your covered for before you need to make a claim im afraid and cheapest isnt always the best