Car Insurance, It's like life You just can't make it up! - Page 2

jimmi5bellies · 05-10-2006, 08:33

I was in the same boat, after being off the road for 2 1/2 years i lost all my NCB. Had to start from scratch again. The cheapest quote i got was when i did a search on comfused.com. When i actually telephoned the company to ask a few questions, i got it from them even cheaper than the web quote.

jimmi5bellies · 05-10-2006, 08:41

Quote:

Originally Posted by the real michael

my typical premium on an audi quattro began at 249 gpb.... and after
5 years n/c/bonus the premium became just underf 1000 gbp! it priced me
out of insurance even though i never claimed.... the reason was because of
other peoples whiplash claims, which is nothing to do with me but forced me
out of motorism........ its as unfair as democracy and as corrupt..... car insurance is robbery.....you are paying for others fraud.... i hate this robbing
theiving country................ i hope we all die horribly......i pray every day

Me and my son are in the middle of a whiplash claim, my son also hurt his elbow ..... does that make us fraudsters?
The guy who plowed into the back of me got off very lightly. Although he was fully insured he wreaked of alcohol at the scene of the accident, he left his details and shot off lke grease lightening. Also i bet he hadnt declared to his insurance company that he was using his car for buisness. The back seat had builders bricks in, a mini cement mixer, bags of plaster. And he hadnt just picked them up. You could see from the state of his car that that was his buisness vehicle.

WillowTheWhisp · 05-10-2006, 08:46

Oh well that happens with all insurances unfortunately. Household insurance goes up because lots of other peple claim from the company when they have floods etc. In fact life itself becomes increasingly more expensive doesn't it?

katex · 23-11-2006, 20:58

Quote:

Originally Posted by WillowTheWhisp

Oh well that happens with all insurances unfortunately. Household insurance goes up because lots of other peple claim from the company when they have floods etc. In fact life itself becomes increasingly more expensive doesn't it?

Too right Willow .. I am absolutely furious tonight,had a bump last week whereby I admitted liability .. not absolutely sure whether I was at fault but did cut across this brand new Mercedes turning left on a roundabout

.. it happens and to save aggro (and the fact no excess and protected) said Ok is me.

Seemed lovely lady ... (how wrong could I be) just skimmed my car as we both entered the turn off at the same time.. she said she was absolutely fine and not hurt at all.

Today, solicitor's letter for bloody WHIPLASH.. and loss of earnings ... no bloody way, speed was so low suspect even her seatbelt didn't even tighten !! No sharp impact as such.

Gotta stop these people from making these ludicrous claims somehow as affects us all.

2 weeks ago, my daughter was waiting at a roundabout for safe exit, in her little Tigra, when this huge lorry ploughed in the back of her, knocking her across the road onto the Central reservation.. she was lucky, had hurtful shoulder injury exacerbated by past illness, and would have had a good case, but has carried on working in her nursing capacity and not claimed 'cause is Ok now ...

Recently friend of mine was hit by another car .. everything Ok. went to Docs and Doc insisted on asking him if OK .. he kept saying "yeh, fine" "Sure, you have no Whiplash"... "No" says friend.. Doc persistant .. "you sure ?" .. eventually, friend admits, well, just a little twinge... result £3,000 bloody pay out !!

Know the insurance companies are looking more into these criminal claims, but if you have read through this.. ta ...phew ! feel much better now.

silvermain · 24-11-2006, 14:13

If you can get money out of the insurance companies id claim for every little detail. Who wouldnt?

Sparkologist · 24-11-2006, 15:36

Car insurance is licensed fraud!

A lot of the problem is because the vendors are on a commission to sell you an insurance package. The more money that they can flog insurance to you for means more money in their back sack.

katex · 24-11-2006, 18:03

Quote:

Originally Posted by silvermain

If you can get money out of the insurance companies id claim for every little detail. Who wouldnt?

Well, I for one wouldn't Silvermain !! Insurance is there to reimburse you for losses you may encounter .. not to de-fraud them and claim for items, injuries etc., that were non-existent in the first place.

Just means that it affects us all in the long run, by increasing our premiums.

I have found Direct Line (my insurers) good on price and respond without any hassle if you have a claim .. so feel a little sorry for them to be honest.

Maybe I am in the minority and could not bring myself even to 'exaggerate' about monies that may have been stolen in a burglary.

katex · 24-11-2006, 18:10

Quote:

Originally Posted by Sparkologist

Car insurance is licensed fraud!

A lot of the problem is because the vendors are on a commission to sell you an insurance package. The more money that they can flog insurance to you for means more money in their back sack.

As as for you Sparkologist

I worked for an Insurance Broker for a couple of years and did the Car Insurance for clients, and never at any time was I instructed to advise the most expensive 'deal', always had the best interest of the client at heart, as they would return to place their business for pensions, life assurance, etc., which was far more lucrative.

Sure most are still like this, knowing that most people can shop around easily now.

Sparkologist · 24-11-2006, 18:45

A few years ago I had a renewal sent through the post from Swinton Insurance in Accy. Bearing in mind that the same insured car was a year older, worth less due to depreciation and I was inevitably a year older & supposedly wiser, (save the wise-cracks, please

), my insurance premium had gone up. When I called into the office at the top of Broadway to ask why, they said that was the computer generated quote, and that was their offer.

I walked 30 yards across the road to Catteral's Insurance, opposite the Broadway Pub, gave them my details, and they gave me a quote that not only beat Swinton's offer, but by over 50 quid. At this time, Catteral's were not aware what I had been quoted elsewhere.

I then walked back to Swinton's to tell them that I would not be taking up their offer of repeat insurance because I had been offered a better deal elsewhere. When they asked how much, I told them. They brought up my details again on their computer system, and lo behold, they managed to beat the Catteral's price by a tenner.

At this point, I cut my nose off to spite my face, very politely declined their offer, due to the fact that i believed that they had acted without honesty & integrity, and took my business back across the road to Catterall's, even though it cost me 10 quid more, but still saved me over £50 on the original offer.

The point I am trying to make is that in this case, what was once, "the computer's price and that's it", suddenly became much more flexible when they thought they were about to lose my business. That difference in the two quotes had to have come out of their margin, ie the price they wanted to sell the insurance package for, versus the bottom line price they were prepared to sell for, when challenged.

I don't deal with Swinton no more. To put it prosaically, they can kiss my festerin' ring!

katex · 24-11-2006, 19:02

Well, no computers when I worked in Insurance Sparkologist, however, same in any business, you have to be aware of your competitors. You have to get the best margin for your company, even though you know you can go down a little further, and sometimes quote the best in the first place, as I sometimes do.

Obviously the company you placed your business with decided to give you the best quote to gain the business, but Brokers only work on a percentage commission, they don't usually load the quote for their own benefit. Swiinton is a big company and will probably only deal with certain Insurers in the first place .. they have a lot of mouths to feed.

Is this broker you placed the business with still trading ?

katex · 24-11-2006, 19:16

In retrospect, have decided that my last post was a load of c*ap as these are just the brokers, not the Insurance companies.

Ianto.W. · 24-11-2006, 21:43

Play the same game Katex as the other party, you have amnaesia whiplash and berri berri due to the other drivers 'lousy driving'. If you wan't a witness, I can be bribed. regards I.T.W.

***Mr D*** · 08-12-2006, 17:32

I know of a few companies that will honor you earned NCB upto 3 years.

And a few that will give you the equivalent if you where a named driver on a family members car upto 4 years NCB.

Brokers do not go for the highest premium they go for the cheapest price to meet your needs.

It really all boils down to who at the brokers, companies you are speaking to as a lot dont have a clue.

Accy Red · 09-12-2006, 19:26

My insurance company is QUINN DIRECT,I am over 40 now

,I got my car insured with them last year,I had a company vehicle for years so my my own insurance was defunct,I drive a 2 litre engined Citroen,my quote was for £269 TPFT,I had NO no claims discount,I was starting from scratch,I genuinely believe that QD are the best insurance company out there,my next nearest quote was from Lancaster Insurance,they were at least £60 more expensive,I used Confused.com to find mine

Hope that helps some of ya