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Car Insurance companies - Modern day highwaymen
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 Crystal_Clear  Belfast 04 Jun 15 1.57pm |
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She certainly didn't go for the cheapest insurance, and it was a fully comprehensive policy. When I looked through the policy there was no mention about write-offs and courtesy cars. However, looking on their website the standard policy conditions now state they won't give courtesy car for any period, if the car is deemed a write-off. I am wondering that when the policy was taken out, this standard clause didn't exist and I'm pretty sure she didn't get any letter stating their terms and conditions had been updated. A negative review will certainly be left on their website, but what's to say it doesn't get published ?
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Holmesdale Nick  South Croydon 04 Jun 15 2.03pm |
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If they have said it is a write off, I would be asking how much are they going to pay for the car and when. They will then try and offer a low amount where you waste more time going back and forth arguing for them to increase their payment
Fitter Fans Group 2. No. 17 |
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| dannyh wherever I lay my hat....... 04 Jun 15 2.09pm |
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Quote DanH at 04 Jun 2015 1.46pm
Quote dannyh at 04 Jun 2015 1.35pm
Quote Crystal_Clear at 03 Jun 2015 9.38pm
This week my girlfriend was involved in a car accident whereby the van infront stopped sharply, she stopped sharply but the people behind rammed straight into the back of her car, forcing into the van infront as well. Took it to the insurance approved bodyshop, to be told it's likely to be a right-off. The insurance company told her that, because it's a right off she is not entitled to a courtesy car (even though they have not paid out), and that her insurance is now suspended because her car is not road worthy (so she can't drive someone elses car even with their permission). Without it being her fault she is now left without a car and no money to show for it yet. No doubt this will go as a claim against her as well. Absolute £$%^@£. Robbing b******s, at least muggers beat you up before they steal your hard earned.
Not as much as you rent boy.
"It's not the bullet that's got my name on it that concerns me; it's all them other ones flyin' around marked 'To Whom It May Concern.'" |
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| Hoof Hearted 04 Jun 15 2.37pm | |
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Quote martin2412 at 04 Jun 2015 1.48pm
Quote Hoof Hearted at 04 Jun 2015 10.53am
Quote Crystal_Clear at 03 Jun 2015 9.38pm
This week my girlfriend was involved in a car accident whereby the van infront stopped sharply, she stopped sharply but the people behind rammed straight into the back of her car, forcing into the van infront as well. Took it to the insurance approved bodyshop, to be told it's likely to be a right-off. The insurance company told her that, because it's a right off she is not entitled to a courtesy car (even though they have not paid out), and that her insurance is now suspended because her car is not road worthy (so she can't drive someone elses car even with their permission). Without it being her fault she is now left without a car and no money to show for it yet. No doubt this will go as a claim against her as well. Absolute £$%^@£.
Not economically viable to repair. Did she use a comparison site and go for the cheapest premium when applying for the Insurance? I presume the Insurance company isn't Aviva or Legal & General? In the olden days an Insurance Broker would have got quotes for you and negotiated terms and conditions, but nowadays with Tesco's etc in the market you get what you paid for! I can't agree with this Hoof. What she paid for was insurance against accidents and theft, and this is what she should receive. Just because they decide to sell it cheap doesn't mean that they shouldn't deliver the service when required. The trouble with insurance companies these days is that they won't fight your corner for you when you've had an accident. It's easier and less time consuming (hence cheaper) to agree to a 'knock for knock' arrangement with the other party's insurer and pay out peanuts.
Tesco's etc will provide the minimum cover they can get away with and employ more people to process new business than claims. The larger traditional Insurance companies still offer best value for money based on claims experience.
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| Hoof Hearted 04 Jun 15 2.40pm | |
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Quote Crystal_Clear at 04 Jun 2015 1.57pm
She certainly didn't go for the cheapest insurance, and it was a fully comprehensive policy. When I looked through the policy there was no mention about write-offs and courtesy cars. However, looking on their website the standard policy conditions now state they won't give courtesy car for any period, if the car is deemed a write-off. I am wondering that when the policy was taken out, this standard clause didn't exist and I'm pretty sure she didn't get any letter stating their terms and conditions had been updated. A negative review will certainly be left on their website, but what's to say it doesn't get published ?
Vote with your feet and don't use Mickey Mouse companies if you don't want a sh1t claims experience.
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| Stuk Top half 04 Jun 15 3.17pm |
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Quote jamiemartin721 at 04 Jun 2015 12.56pm
Quote Stuk at 03 Jun 2015 10.10pm
An enforced tax for a shoddy service. Indeed, although in fairness most people just end up trying to get the cheapest insurance they can, on the basis that they have to have it. I'm guilty of that, but even so the basic service that you pay for is ludicrously poor, and entirely stacked against the client. Quote npn at 04 Jun 2015 1.12pm
I always go for the cheapest. Why? Because no matter how much I pay, they'll do their utmost to avoid paying out anyway, and the amount it will cost me for increased premiums makes it unlikely I'll ever claim anyway
"how would you like to pay, sir?" The cheapest way possible! AXA are being a bit dickish at the moment, after some silly old cow hit my car.
Optimistic as ever |
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| Pete53 Hassocks 08 Jun 15 3.21pm |
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Quote Joe Bloggs at 04 Jun 2015 12.18pm
direct line recently sent me a renewal with an increase of 25%--my no claims goes back to the days when a bloke with a red flag walked in front of my car! They just assume that because you have an existing policy that you will just renew ad-infinitum. Rip off industry and sadly we pay for those people who take the insurers for a ride. My premium for home/house insurance with Direct Line went up from £260 to £360 over a year. I told them what to do with it, and used CIS at a cost of £270 for the same cover.
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| johnfirewall 08 Jun 15 10.29pm |
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It's a crime not to have it. How ironic. Laughable that the fines cost less than the insurance. Then you've got insurance that costs more than the car, increased premiums for non fault claims after you've paid your own excess and they've claimed from the 3rd party, shortened validity periods of NCBs, boxes to assess your driving, and the biggest insult which was them having to abolish cheaper insurance for women which ultimately meant more money for them and fcuk all saving for men. All at a time when cars are hard to nick except for when you're burgled and won't be covered. They must love it when the cash for crash stories hit the headlines. An absolute racket.
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| youngpalacefan111 08 Jun 15 10.35pm |
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Tesco's aren't even an insurer hoof, martin is bang on the money.
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| Hoof Hearted 09 Jun 15 10.32am | |
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Quote youngpalacefan111 at 08 Jun 2015 10.35pm
Tesco's aren't even an insurer hoof, martin is bang on the money. What's that then...?
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| Tom-the-eagle Croydon 09 Jun 15 10.41am |
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Quote Hoof Hearted at 09 Jun 2015 10.32am
Quote youngpalacefan111 at 08 Jun 2015 10.35pm
Tesco's aren't even an insurer hoof, martin is bang on the money. What's that then...?
Not quite sure how Tesco's will get on in the insurance game when they can’t even not f***up my weekly shopping delivery.
"It feels much better than it ever did, much more sensitive." John Wayne Bobbit |
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| youngpalacefan111 09 Jun 15 11.06am |
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they are underwritten by ageas hoof (fortis)
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