Car Insurance Article Discussion

Steve_xx

dasankita wrote: »

Hi all,
Can anyone tell me what the important covers which should be included in the car insurance?

......seat covers.

purpleemu

Claims/ No Claims Discount Query
Can anyone advise on what to put into these comparison sites when they ask about previous claims.
I claimed for a small accident last year that was not my fault and it was all dealt with by the other insurers company.

1. The comparision sites ask for how much was claimed. I actually have no idea as I was never told. Do I input £0 or make something up.
2. Related to this we protected our no claims so can still enter our 10 years but frankly I'm thinking that the amount an insurer charges to protect plus the amount they probably add on because I've ticked yes to having made a claim in the last so many years. Means that this isn't worth anything.
3. After 4 years can I stop telling them about the claim.

Confused

Steve_xx

purpleemu wrote: »

Claims/ No Claims Discount Query
Can anyone advise on what to put into these comparison sites when they ask about previous claims.
I claimed for a small accident last year that was not my fault and it was all dealt with by the other insurers company.

1. The comparision sites ask for how much was claimed. I actually have no idea as I was never told. Do I input £0 or make something up.
2. Related to this we protected our no claims so can still enter our 10 years but frankly I'm thinking that the amount an insurer charges to protect plus the amount they probably add on because I've ticked yes to having made a claim in the last so many years. Means that this isn't worth anything.
3. After 4 years can I stop telling them about the claim.

Confused

1. Put zero if you don't know, then when you select one of the options from the comparison site you will be directed to a particular insurer and you will be able to see if that particular insurer wushes to know that bit of detail.

2. I think 'no claims' protection is a bit of a misnomer. As you say, you would declare any accidents or claims to a prospective insurer and they would assess the risk and base the policy price on their own set of criteria. If you were to continue with the current provider I feel sure that the premium would escalate on renewal even if you did protect you 'no claims'.

3. Generally they seem to want to know about events that have happened within 5 years.

riggie

It's 4 years with AVIVA, and yes your insurance will go up because of the accident even though it was not your fault, least that was the case on one of the insurance websites I tried. Some of the Insurance websites are rubbish, they dont even give you the correct options to say the accident was not your fault or you were not even driving...these lot are taking over from the Bankers!

anniecave

I would phone up your insurance company and ask about the cost. I did this after my accident last year and they were quite happy to give me the amount. If you are just putting information into websites obviously you can put some guess figures in (try some different amounts.. put in £250, put in £500) see if you get any difference in the quotes. But I would find out the actual cost you are going to change to a different provider. Do it at the point when you phone up to cancel the auto-renewal if necessary.

JPS29

Anyone who buys insurance from someone posting spam on a forum with a hotmail email address needs their head testing

magpiecottage

JPS29 wrote: »

Anyone who buys insurance from someone posting spam on a forum with a hotmail email address needs their head testing

Agreed but so does the moron who has posted it as they can be traced and prosecuted by the FSA.

dacouch

magpiecottage wrote: »

Agreed but so does the moron who has posted it as they can be traced and prosecuted by the FSA.

Agreed.

He will probably charge a few hundred quid and then give them a link to one of the websites that offer a fixed premium on cars upto a certain group but with a £2500 ALL SECTIONS EXCESS (This means you pay the excess for any incidents even for claims against you by a third party)

Jabrul

Hi all,

I'm asking on behalf of my father who is a hire car driver (like a chauffeur) I.e he works for a car hire firm and has a specific license to do this. I was staggered to find out he pays £1800 insurance a year and then he told me some of his colleagues pay double that because of their conditions. My father says that we cant use comparison websites etc for his policy because its not only for private use but also sort of cab related. To be honest, I have my doubts heavily on his thoughts. I just wanted to ask around - can we use screenscapers/brokers etc? I dont think his category is commercial travelling but its certainly not just social domestic and pleasure and certainly not business use (technically its not). Very confused. If anyone can help, well you'd be saving my father a whole deal.

Steve_xx

Jabrul wrote: »

Hi all,

I'm asking on behalf of my father who is a hire car driver (like a chauffeur) I.e he works for a car hire firm and has a specific license to do this. I was staggered to find out he pays £1800 insurance a year and then he told me some of his colleagues pay double that because of their conditions. My father says that we cant use comparison websites etc for his policy because its not only for private use but also sort of cab related. To be honest, I have my doubts heavily on his thoughts. I just wanted to ask around - can we use screenscapers/brokers etc? I dont think his category is commercial travelling but its certainly not just social domestic and pleasure and certainly not business use (technically its not). Very confused. If anyone can help, well you'd be saving my father a whole deal.

It is business/commercial use as I see it. Therefore the risk is deemed to be greater. For example, as a hire car driver he might be ferrying some high earning celebrity around and then be involved in an accident that causes the celebrity to be unable to continue their lucrative trade. The celebrity may then make a huge claim on his insurance, potentially running into millions of pounds. So perhaps you can see how the risk is deemed to be greater?