Car Insurance!!!!!

[general_lee]

Someone supposedly hit my car last year in a car park (no visible damage, was a shit box runaround I was using at the time while my actual car was in being fixed so I didn't care either way). They left a note and I text them saying not to worry there was no damage etc.

Fast forward to today as I shop around as my renewal date is soon. Saw a quote for £200 less than what I paid last time. Couldn't go through with the purchase so I went through the online chat. That f**king cnut declared the "incident" to his insurance company and just like that my quote increased by £111! Absolute racket!

Had a similar experience in the recent past. A lot of suspect stuff goes on with insurance but you wonder how stuff like this is actually allowed when no claim has been made. It is legalised robbery.

I'm not sure what I am annoyed at more:

The guy for hitting the car in the first place

The guy for informing his insurance company (after me contacting him and telling him not to) who then informed my insurance company

Or Admiral for slapping an extra £100 on for an incident where nothing happened.

Not really your call tbh. In almost all situations he's contractually obliged to inform his company of any incident.

Anyone with half a brain cell wouldn't be stupid enough to go to their insurance company in that scenario - maybe it's a Belfast thing.

A woman drove into me in Slieve Gullion car park one afternoon and we exchanged details and sorted things out off the books.

[illdecide]

Just submitted the complaint form to the Financial Ombudsman Service there...I'll let you know the outcome when it happens...Cheers.

[David McKeown]

Someone supposedly hit my car last year in a car park (no visible damage, was a shit box runaround I was using at the time while my actual car was in being fixed so I didn't care either way). They left a note and I text them saying not to worry there was no damage etc.

Fast forward to today as I shop around as my renewal date is soon. Saw a quote for £200 less than what I paid last time. Couldn't go through with the purchase so I went through the online chat. That f**king cnut declared the "incident" to his insurance company and just like that my quote increased by £111! Absolute racket!

Had a similar experience in the recent past. A lot of suspect stuff goes on with insurance but you wonder how stuff like this is actually allowed when no claim has been made. It is legalised robbery.

I'm not sure what I am annoyed at more:

The guy for hitting the car in the first place

The guy for informing his insurance company (after me contacting him and telling him not to) who then informed my insurance company

Or Admiral for slapping an extra £100 on for an incident where nothing happened.

Not really your call tbh. In almost all situations he's contractually obliged to inform his company of any incident.

Anyone with half a brain cell wouldn't be stupid enough to go to their insurance company in that scenario - maybe it's a Belfast thing.

A woman drove into me in Slieve Gullion car park one afternoon and we exchanged details and sorted things out off the books.

I've heard of people being caught out before in that situation. They get into another accident on a different part of the car a while later. Go to an insurance approved repair shop who dobbs them in when they find the original damage.

[93-DY-SAM]

Someone supposedly hit my car last year in a car park (no visible damage, was a shit box runaround I was using at the time while my actual car was in being fixed so I didn't care either way). They left a note and I text them saying not to worry there was no damage etc.

Fast forward to today as I shop around as my renewal date is soon. Saw a quote for £200 less than what I paid last time. Couldn't go through with the purchase so I went through the online chat. That f**king cnut declared the "incident" to his insurance company and just like that my quote increased by £111! Absolute racket!

Had a similar experience in the recent past. A lot of suspect stuff goes on with insurance but you wonder how stuff like this is actually allowed when no claim has been made. It is legalised robbery.

I'm not sure what I am annoyed at more:

The guy for hitting the car in the first place

The guy for informing his insurance company (after me contacting him and telling him not to) who then informed my insurance company

Or Admiral for slapping an extra £100 on for an incident where nothing happened.

In my case I was hit. No damage but doing what I thought was right incase there came a claim against me I informed my insurance company.
But it never went any further and I never thought any more about it until my renewal came in. Had shot up and when I queried it was told it was because I was in a no fault accident. Absolute shower of c***ts! No other word for them. Learned my lesson that day. Duty or not to report it they can go f**k themselves when they pull shite like that. 

[David McKeown]

Someone supposedly hit my car last year in a car park (no visible damage, was a shit box runaround I was using at the time while my actual car was in being fixed so I didn't care either way). They left a note and I text them saying not to worry there was no damage etc.

Fast forward to today as I shop around as my renewal date is soon. Saw a quote for £200 less than what I paid last time. Couldn't go through with the purchase so I went through the online chat. That f**king cnut declared the "incident" to his insurance company and just like that my quote increased by £111! Absolute racket!

Had a similar experience in the recent past. A lot of suspect stuff goes on with insurance but you wonder how stuff like this is actually allowed when no claim has been made. It is legalised robbery.

I'm not sure what I am annoyed at more:

The guy for hitting the car in the first place

The guy for informing his insurance company (after me contacting him and telling him not to) who then informed my insurance company

Or Admiral for slapping an extra £100 on for an incident where nothing happened.

I was involved in a pretty bad accident in 2018. Completely blameless. Claims had to be made as my car was written off and I was badly injured and off work for a while.

I remember when my renewal came through asking my broker about the price increase and her saying oh it was because I had been in accident. So even though I wasn't at fault and there could be no correlation between 1 accident and a future one my premiums were increasing.

I got my broker to work out the additional cost to me over the next few years and we predicted it was over £900

I remember claiming for it as part of my heads of claim and the other lawyers suggesting they'd never heard of it but to be fair the other insurance company paid it.

Made a difference on other policies were I was a named driver too. Scandalous.

[Franko]

Insurance companies are the parasite's parasite.

Imagine having a business model where your customers were forced by law (under penalty of potential incarceration) to buy your service, and where where same law has no oversight or control of the pricing of this service*.  Seriously?

Government should nationalise motor insurance and set a guaranteed margin on this, which would then be used to fund improvements to the road networks

I fully appreciate this is easier said than done


*The FCA regulates 'pricing practices' not levels

[LC]

Our oldest is turning 17 in December.

My wagon is a very basic Toyota, would hardly be worth £1,000.

I presume better just to add him onto that at this stage and maybe defer getting him his own wagon but he is about to / does get his test.

I would imagine neither option will be cheap.

[clonian]

Our oldest is turning 17 in December.

My wagon is a very basic Toyota, would hardly be worth £1,000.

I presume better just to add him onto that at this stage and maybe defer getting him his own wagon but he is about to / does get his test.

I would imagine neither option will be cheap.

My oldest is 17 tomorrow and I'm trying to work out is it best to stick her on as a learner to the wife's car or buy a C1/Aygo/107 which seem to be the cheapest cars for insurance out there and take a policy out on it. Some places, Abbeyline have it, that do a 1/3/6 month policy for learners and it can help when they look for their 1st policy when they get their test. Admiral are cheaper for R drivers than some but it really depends on the car. The ones that are classified as 4 seaters are cheaper as long as the engine isn't too big.

[AustinPowers]

Got a letter saying I  could be  owed money  from previous  finance agreements when paying car insurance .

It's been 4 or 5 years since I  used any finance  agreement for my car insurance, so I don't know if this is genuine or  a scam

Anyone else got  a similar letter? 

[lurganblue]

Got a letter saying I  could be  owed money  from previous  finance agreements when paying car insurance .

It's been 4 or 5 years since I  used any finance  agreement for my car insurance, so I don't know if this is genuine or  a scam

Anyone else got  a similar letter?

I hadnt heard about this in relation to insurance but there is an ongoing FCA redress scheme for miss-sold car finance.

https://www.moneysavingexpert.com/reclaim/reclaim-car-finance/

[Duine Inteacht Eile]

Got a letter saying I  could be  owed money  from previous  finance agreements when paying car insurance .

It's been 4 or 5 years since I  used any finance  agreement for my car insurance, so I don't know if this is genuine or  a scam

Anyone else got  a similar letter?

Yes, people back on page 22 did.

[AustinPowers]

I got an email from my Car Insurance provider (Privilege), saying I'm due some sort of refund, fairly vague on details but stated a letter will follow. Obvious red flags, never in my day have I heard of this?? Waiting on the post with bated breath!

Could be a scam?

Don't give your details until you're 10o% sure.

Just in case, ask for cheque.

Got refunded £23 odds OK. Still no real idea why

I got an email from my Car Insurance provider (Privilege), saying I'm due some sort of refund, fairly vague on details but stated a letter will follow. Obvious red flags, never in my day have I heard of this?? Waiting on the post with bated breath!

Could be a scam?

Don't give your details until you're 10o% sure.

Just in case, ask for cheque.

Got refunded £23 odds OK. Still no real idea why

Got something similar, but it was £286. Insurance company said I'd been overcharged in each of the last three years. Was posted a cheque and all communication was through post rather than electronic.

How did you both  go about getting the refund?

Just got a  letter myself.

[bennydorano]

Cheque i think 🤔

[illdecide]

Just submitted the complaint form to the Financial Ombudsman Service there...I'll let you know the outcome when it happens...Cheers.

Got an email today from Hastings direct saying that they're going to re-open the case here based on additioanl evidence. I haven't provided them with anything extra from what I had already given them but maybe it had something to do with me lodging my case with Finanical Ambudsman. I'm guessing here but don't know for sure, but it sounds like to me that the Finanical Ambudsman has contacted Hastings Direct and asked them to take another look at it before they investigate it...Dunno, what do you think?.