Car Insurance!!!!!

[David McKeown]

No, not Hastings...I think it was Admiral that cancelled on us for driving at night.

My cub had a minor accident and Hastings cancelled the insurnace on him and kept the £2k ploicy fee and said it was in the small print. Took them up on it but Finanical Ambudsman took their side

Did they refuse to indemnify or did they try to get the son prosecuted for no insurance?  I am very fed up when insurers cancels policies often unlawfully and then demand people be wrongly prosecuted.  It was epidemic until last year but PSNI and PPS continue to wrongfully prosecute on direction of these insurers

As I said I had to sue them when they unlawfully cancelled my sister in law's policy.  The phone call from them was hilarious as they kept quoting parts of the Road Traffic Act 1988 at me from a script and I kept explaining back to them that the equivalent provision in either the 1981 or 1995 (Northern Ireland) orders was different and then provided them the authorities on the correct interpretation of same.  At the end of the call the young fella asked me what I did and how I knew all of that info.  When I told him his response was that it was the scariest phone call he had ever had.  They sent me a recording in discovery when my sister in law sued them

There's also a case ongoing at the minute as to whether insurance policies are being lawfully cancelled due to the different requirements under NI Law compared to England and Wales.

[gallsman]

A clause that he wasn't allowed drive at night was in the small print? Or no refund?

[illdecide]

Not 100% sure lads but pretty sure if he was driving after 10pm or 11pm they put it down as a low score and the more he done it they eventually said your score went below a threshold so we are cancelling your policy. They did refund what we were owed.

Hasting were a different animal though...my lad had a minor accident and the following week they cancelled his insurance or made us cancel it as they said his driving score fell below 30, i checked the date on their App and it was telling us different so i went back to them and screen shotted the evidence so they changed the date, I again went back with more screen shots for their new dates so they changed dates again and kept doing this until our time ran out and the policy had been cancelled. Basically they kept making dates up and when i provided screen shots from our phones with their App it made no difference.
On the small print of the policy it stated that if you have an accident and you're at fault and your policy is cancelled they will keep your fee and it's non refundable. So £2k just vanished for a policy that was only out 3 weeks.
I appealed their decision and lost and then took it to the Finanical Ambudsman and they took the Insurnace (Hastings) side...

[David McKeown]

Not 100% sure lads but pretty sure if he was driving after 10pm or 11pm they put it down as a low score and the more he done it they eventually said your score went below a threshold so we are cancelling your policy. They did refund what we were owed.

Hasting were a different animal though...my lad had a minor accident and the following week they cancelled his insurance or made us cancel it as they said his driving score fell below 30, i checked the date on their App and it was telling us different so i went back to them and screen shotted the evidence so they changed the date, I again went back with more screen shots for their new dates so they changed dates again and kept doing this until our time ran out and the policy had been cancelled. Basically they kept making dates up and when i provided screen shots from our phones with their App it made no difference.
On the small print of the policy it stated that if you have an accident and you're at fault and your policy is cancelled they will keep your fee and it's non refundable. So £2k just vanished for a policy that was only out 3 weeks.
I appealed their decision and lost and then took it to the Finanical Ambudsman and they took the Insurnace (Hastings) side...

Interesting doesn't sound lawful to me particularly due to this issue relating to Articles 92 and 94 of the Road Traffic (Northern Ireland) Order 1981.

In my case what happened was my sister in law went on a university placement abroad for 6 weeks. During that time her dad borrowed her car (took out his own insurance for it). They complained they were getting black box data but no matching app data. My sister in law contacted them to explain the situation and they said that was fine provided she drove the car again by 4th Feb and uploaded the app data. She did that but they purported to cancel the policy anyway.

We appealed to the ombudsman and lost so I started a civil claim. Eventually they settled by returning the whole policy cost and removing any reference to a cancelled policy from the database. It was that note of cancellation on the database that was going to cost her thousands for a new policy.

[Milltown Row2]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

[David McKeown]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

Yes you absolutely will. I was in a no fault accident about 8 years ago. Long story short it impacted my insurance premium for 6 years to the tune of about £1800

[RedHand88]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

People overtaking 2 cars at once need a massive boot in the hole. That's a shite situation for you but yes it will affect your premium.

[quit yo jibbajabba]

What if car no1 doing 30 and car no2 scared to overtake

[johnnycool]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

MIRROR, signal, manoevure.

Did you not check your mirror before starting to overtake?

[Milltown Row2]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

MIRROR, signal, manoevure.

Did you not check your mirror before starting to overtake?

I'd looked but he must be flying as he was not there when we came round that junction, young fella, but MIS were on the phone to the other day, trying to get more info and saying that its best to let the local police know, they won't actual doing anything but best having it recorded on file!

I know he was probably bit impatient as the car in front of me was slow as F but there was low hanging branches over both sides and sorta hindering the view of possible oncoming traffic, so I was waiting till that passed. I'd indicator on and checked, but maybe shoulda checked again.

No fault no damage and you, more than likely, end up losing out!

[LC]

Got a letter in there from MIS regarding an 'accident'

Long story short, I was about to overtake a car, mirror indicated to overtake, outta nowhere as I never seen it, a car tried to overtake me and the car I was about to overtake, I broke pulled in, he clipped my wing mirror but no damage not even scuffed.

Luckily for him he didn't flip the car on the kerb on the other side, he ended up with a puncture and scuffed alloys

Anyways his was a company car, so probably had to through work it seems, I'll now have to inform my insurance? Probably pay more next time even though not my fault?

Yes your premium will go up.

Whether it is your fault is irrelevant.

The way they see it you were in an accident and this affects your risk profile.
I learnt this the hard way.

[scout]

Just got my renewal letter for Hastings car insurance. Just the small increase of 40% 😂

Just a note saying there's more claims in today's market that's why the price is going up.

[imtommygunn]

I'd my first ever crash in January and am due in September. I suspect it's not going to be pretty.

[playwiththewind1st]

Bunch of rip-off merchants, of the highest order.

[David McKeown]

Just got my renewal letter for Hastings car insurance. Just the small increase of 40% 😂

Just a note saying there's more claims in today's market that's why the price is going up.

Yet strangely so are profits