My 35i Written off for a dented wing!!!
- Thread starter mcbutler
- Start date
At the summit of the picturesque fens
Oh they do. They really do.mcbutler said:
And as for the 'holy grail' of NCB. Doesn't mean shite any more.
As someone posted earlier in the thread if you have someone drive into you the insurance's attitude is "you are obviously someone who is more likely to have someone drive into you/ have an accident".
My insurance increased by 20% for 5 years just because I called the insurance to discuss claiming for a pheasant running into my car. I didn't claim, so it cost them nothing (cost me £900 for a headlight plus increased premiums though).
They put it down on the database as "an incident", so the database treated me as "someone who is more likely to have wildlife run out in front of them".
Devon
I changed my insurance when I bought my most recent Zed. It was cheaper to include my wife on the policy than just me. She has held a license for 20 years but never drives. She has only been included so she can in the case of an emergency. Can’t understand why having her included should be cheaper?
simnew
Member
When you read all of this thread, is it any wonder why everyone seems to have lost faith in insurance companies.
It really sounds like a racket going on and the insurance ombudsman is just letting it happen. Surely they should be looking to keep claims down in price rather than over bloating them with potential problems - see original thread about suspension parts, which is frankly absurd.
And if you don’t need a hire car, why even charge for one.
What the hell is going wrong in this country that this continues to happen? But if you don’t have insurance your breaking the law, yet the value to us as consumers seems to be marginal at best….
It really sounds like a racket going on and the insurance ombudsman is just letting it happen. Surely they should be looking to keep claims down in price rather than over bloating them with potential problems - see original thread about suspension parts, which is frankly absurd.
And if you don’t need a hire car, why even charge for one.
What the hell is going wrong in this country that this continues to happen? But if you don’t have insurance your breaking the law, yet the value to us as consumers seems to be marginal at best….
Nanu said:
They will assume she will doing some driving so you will be doing less (within your stated annual mileage), if she is older than you, held a licence longer than you etc etc then she is a lower risk profile so cheaper to insure.
Because statistically women are a lower risk then men and the insurance presumes she will drive it sometimes, so it's a lower risk to them.Nanu said:
I have put my wife as a named driver on every car I've had for the last 30 years, as it has made the premiums cheaper every year.
Porthcawl
. Apparently due to the fact there are more 2.3's and therefore more have had claims...algorithms for youNope, as I said been through this with the insurance company at length, no blame on my part (at least with my insurer) means zero penalties for me.BMWZ4MC said:
ALL costs are paid by the guilty party and are recovered by a specialist company (aquillis I think they are called). This means no costs are incurred by the insurance company as Aquillis pursue the guilty party, prosecute for my claim, my insurers costs and all their costs.
I’m living in Australia now and that is essentially how it works here - if it’s not your fault, there is no penalty. I have a multi car policy with four cars listed, two are mine, one belongs to my wife and the other is our family car. My wife has been driven into a couple of times in the last four years and there has been no penalty for either of us.
Even if she has an at fault accident in a car listed on my policy, it won’t alter the premium I pay for my usage of the cars (it might alter the premium for her to be included on the policy, although we both have protected no claims so probably not unless she made a habit of it).
The multicar policy allows for agreed value insurance for my cars (with first dibs on the wreck if written off, choice of repairer and replacement of modifications like-for-like) and traditional market value insurance on the other cars.
That said, insurance here has its failings - third party insurance is compulsory but covers only personal injury. There is no mandatory insurance cover for damage to property. As such, there are thousands of people driving complete shitboxes that are effectively uninsured. One such person ran into the back of my wife’s car causing thousands of dollars worth of damage, so our insurance company sued them for payment. They’ll likely be paying the bill for years simply because they didn’t have third party property cover on their policy.
Even if she has an at fault accident in a car listed on my policy, it won’t alter the premium I pay for my usage of the cars (it might alter the premium for her to be included on the policy, although we both have protected no claims so probably not unless she made a habit of it).
The multicar policy allows for agreed value insurance for my cars (with first dibs on the wreck if written off, choice of repairer and replacement of modifications like-for-like) and traditional market value insurance on the other cars.
That said, insurance here has its failings - third party insurance is compulsory but covers only personal injury. There is no mandatory insurance cover for damage to property. As such, there are thousands of people driving complete shitboxes that are effectively uninsured. One such person ran into the back of my wife’s car causing thousands of dollars worth of damage, so our insurance company sued them for payment. They’ll likely be paying the bill for years simply because they didn’t have third party property cover on their policy.
An alternative point of view would come from a third party crippled for life by an insured driver, or a family who loses the working parent. Without that cover his their lives would be almost incredibly difficult.simnew said:
Still a rip for the grand majority of us though
mcbutler said:
That would a first ever as I think all insurance companies will use the statistics that if you have had one accident (fault or not), you are more likely to have another one (or words of that effect).
You won't lose your discount percentage, but I can guarantee you that your base premium will go up.
"I can guarantee you that your base premium will go up"
FAILED there bud, Insurance was up for renewal 21 days after it happened, no premium increase.
Not sure how you come to the conclusion that someone else damaging something you own when you are not even there makes you a risk!!??
FAILED there bud, Insurance was up for renewal 21 days after it happened, no premium increase.
Not sure how you come to the conclusion that someone else damaging something you own when you are not even there makes you a risk!!??
I very much doubt that though, I have not heard of a single company yet that doesn't do that. All car premiums went down considerably this year (by about 25 - 40% compared to last year), so if your premium didn't go down, it basically went up.
However, it only matters that you are happy with the result. Which company are you with by the way?
However, it only matters that you are happy with the result. Which company are you with by the way?
SV8Predator
Member
mcbutler said:
Google the "theory of probability"...
If you habitually park your car in an ill-considered place, the probability increases that your vehicle will be driven into.mcbutler said:
If you leave your car with valuables on display, you are at a greater risk of being the victim of theft, most especially if you live in a somewhat insalubrious area.
If you are an abrasive and tactless individual, you might offend the type of person who derives pleasure from vandalising your car.