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'Fault' insurance claim resulting in loss of annual premium

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Comments

  • Torry_Quine
    Torry_Quine Posts: 18,895 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    K-Lye wrote: »
    I'm sorry but I live in a world where as a customer I expect to be treated 'fairly'. You might be perfectly happy to let insurance companies abuse their position but I certainly am not!

    Thanks at least for confirming this is common practice.

    You have got what you paid for though so where is the unfairness in that.
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • K-Lye
    K-Lye Posts: 78 Forumite
    Torry_Quine wrote: »
    You have got what you paid for though so where is the unfairness in that.

    You think it's fair that people who get 1 month use of their policy pay the same price as those who get 12 months worth of use?
    I imagine bugs and girls have a dim suspicion that nature played a cruel trick on them, but they lack the intelligence to really comprehend the magnitude of it. -- Calvin & Hobbes :rotfl:
  • Torry_Quine
    Torry_Quine Posts: 18,895 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    K-Lye wrote: »
    You think it's fair that people who get 1 month use of their policy pay the same price as those who get 12 months worth of use?


    I have already said how this works, it's not my fault that you were thinking it was a month by month policy. I presume this was your first car?
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • Quentin
    Quentin Posts: 40,405 Forumite
    Its so unfair.

    There, that better?
  • nearlyrich
    nearlyrich Posts: 13,698 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Hung up my suit!
    You insured against the costs of an accident would it be fair if you accidentally wrote off six vehicles and left 10 people in wheelchairs for the rest of their lives that the insurance charged you the full cost of settling the claim? I think not....
    Free impartial debt advice from: National Debtline or Stepchange[/CENTER]
  • K-Lye
    K-Lye Posts: 78 Forumite
    Quentin wrote: »
    Its so unfair.

    There, that better?

    Well at least that's an opinion in relation to what I asked.
    I imagine bugs and girls have a dim suspicion that nature played a cruel trick on them, but they lack the intelligence to really comprehend the magnitude of it. -- Calvin & Hobbes :rotfl:
  • K-Lye
    K-Lye Posts: 78 Forumite
    nearlyrich wrote: »
    You insured against the costs of an accident would it be fair if you accidentally wrote off six vehicles and left 10 people in wheelchairs for the rest of their lives that the insurance charged you the full cost of settling the claim? I think not....

    What's this got to do with what I asked?
    I imagine bugs and girls have a dim suspicion that nature played a cruel trick on them, but they lack the intelligence to really comprehend the magnitude of it. -- Calvin & Hobbes :rotfl:
  • nearlyrich
    nearlyrich Posts: 13,698 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Hung up my suit!
    You win some and you lose some and even if you were paying monthly as someone said earlier in the thread you would still owe the rest of the premium. If you only want people to post who agree with you maybe you should have said in the OP...
    Free impartial debt advice from: National Debtline or Stepchange[/CENTER]
  • K-Lye
    K-Lye Posts: 78 Forumite
    nearlyrich wrote: »
    You win some and you lose some and even if you were paying monthly as someone said earlier in the thread you would still owe the rest of the premium. If you only want people to post who agree with you maybe you should have said in the OP...

    Again your comment doesn't address either of the questions I asked.

    I'm all for posters offering sound responses based on facts. Whether they support my supposition or not. So far I have had none.

    If you want to bash drivers who have accidents or show some love for the insurance companies then feel free to start your own thread instead of hijacking mine.
    I imagine bugs and girls have a dim suspicion that nature played a cruel trick on them, but they lack the intelligence to really comprehend the magnitude of it. -- Calvin & Hobbes :rotfl:
  • K-Lye
    K-Lye Posts: 78 Forumite
    Torry_Quine wrote: »
    I have already said how this works, it's not my fault that you were thinking it was a month by month policy. I presume this was your first car?
    I already said I do not doubt this is how it "works". Why do you have difficulty understanding my original post? Please enlighten me and I am more than happy to re-word it.

    You fail to answer my question.. do you consider it fair that people who get 1 month use of their policy pay the same price as those who get 12 months worth of use?

    You presume wrong.
    I imagine bugs and girls have a dim suspicion that nature played a cruel trick on them, but they lack the intelligence to really comprehend the magnitude of it. -- Calvin & Hobbes :rotfl:
This discussion has been closed.
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