10 replies to this topic

[daveyraveygravy]

Hi guys theres a little story here, so are you sitting comfortably?

Then i'll begin...

We bought our Mondeo ST TDCi in April 2010, in  August 2010 we went to a BBQ at a friends house. When we came back to our car we found someone had drove into the rear offside door and drove off (W@£"!$)

So i rang the insurance company to sort it out and went to get a quote which was approved. However, a friend said to me "Don't go through the insurance, we can get it done for the cost of your excess" Which was great!

So i rang the insurance company and said i'd like to cancel the claim, i will sort it myself at no cost to you. "OK" they said, all the best.

NOW!!!!! Ever since i am being hammered on this policy by about £150 and on my other policy for my other car too!!!

I think it's totally unfair that for something that cost me only £250 to sort out initially, is costing me more than that on 2 policies each year for the next 3 years FOR NOT EVEN CLAIMING!!!!!!!!!

I had to declair it on my other policy because they had it all on their database, i think it's all B@!!0£$!!!!!

Rant over what do you think?

[bumdump1]

If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it and all your no claims should be intact as well so I don't understand why your premiums have gone up?

[mlwprescott]

I've heard that even if you have a no-cost claim or are subject to a collision that wasn't your fault it still goes on record that you were involved in an incident.
So if someone bashes into you in the supermarket and their insurance pays for all the damage, your premiums might still go up!
Apparently you're at a higher risk of claiming in the future even if someone else has caused a previous accident.

[daveyraveygravy]

Thanks Guys,

bumdump1 It didn't affect my NCD, and i agree with you, but it has been noted as an 'incident' even though there was no claim. Legally if you have anything happen to your car you have to tell the insurance company, so this is basically telling people to be dishonest and not declair anything.

If anything they should see in a positive light as i fixed it myself it shows im am competent at sorting things out and less likely to claim, but hey ho that would be common sense!!

Mlwprescott, You are spot on, on both points, and this also happened to me in 2006, in a car park without me in it again someone smacked my car FFS. Then 3 months later my Mrs was driving the same car and someone shunted her from behind!!! The renewal, was to put it mildly, a shock....

I hate the way the insurance companies work.....

[Alex Heney]

bumdump1, on 09 January 2012 - 04:46 PM, said:

If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it and all your no claims should be intact as well so I don't understand why your premiums have gone up?

This is utterly false, and very dangerous advice.

You have to declare any incident which could have led to a claim, whether it actually does so or not. And if you don't do so, and they somehow find out in the event of you making a claim, then you will find your insurance invalidated. Which will not only cost you a lot, but could also land you in court for driving without insurance.

Of course, if it is something small which you get repaired by a friend without significant paperwork and nobody else was involved, then it is unlikely they would find out. But it is still technically fraud to obtain insurance without telling them,

[kingo30]

The above is right but why should you tell them if you are paying to have your car repaired yourselve, especially if you did not hit anything yourselve and cause damage to it, the same happend to me a lorry driver for a well known delivery firm reversed into my mercedes clk a few years back and caused over £3500 of damage, he put me straight in touch with there own people at the company who arranged to have it repaired local to me, at the time i was a bit dubious so informed my insurance company just in case.  What a mistake that was even though no insurance companies paid out anything i was penalised for informing my own insurance and it went down as a non fault claim even though no claim was ever made.  In my opinion were no claim for money has been made against the insurance company then they should not record it.  Do you inform you home insurance if one of your kids damages something that you could actually claim for but in reality is cheaper to go out and just buy a new one saving your excess ???

[bumdump1]

Alex Heney, on 24 February 2012 - 10:50 AM, said:

bumdump1, on 09 January 2012 - 04:46 PM, said:

If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it and all your no claims should be intact as well so I don't understand why your premiums have gone up?

This is utterly false, and very dangerous advice.

You have to declare any incident which could have led to a claim, whether it actually does so or not. And if you don't do so, and they somehow find out in the event of you making a claim, then you will find your insurance invalidated. Which will not only cost you a lot, but could also land you in court for driving without insurance.

Of course, if it is something small which you get repaired by a friend without significant paperwork and nobody else was involved, then it is unlikely they would find out. But it is still technically fraud to obtain insurance without telling them,

That was a question, not advice! - which the OP cleared up over a month ago!

[4titx]

I’ve often wondered if insurance companies are superstitious, believing that as you were involved in an incident you are now going to attract other incidents.

Would be nice to an intelligent answer from them why you are suddenly more a risk. It isnt as though your going round with a sign on the car inviting, 'prang here'.

[compuwiz_uk]

they have statistics which indicate that if you have a prang  ( no matter if you caused it or were just caught up in it ) then you are more likely to have another incident of some kind in the near future.

it sounds like incredible amounts of bullpoo until i think back to my own driving history of 1 non-fault & 1 fault accident that went via insurance.

few months after the non-fault  just after fixing the front end of my mota i reverse sedately into a rather substantial bollard in a carpark & bent the backend a wee touch    ( place was fine with it as i was not the 1st & as i saw more car bits sprune about a few weeks later & it was leaning much more i can only assume i was not the last to collide with said bollard    )  this one stayed undeclared as i just plonked another bumper on from the scrappers and new tail light & job was sorted.


then the fault accident ( i say fault as even though i have no idea how it happened i was the only car involved so the buck stops with me as it were   - well it stopped at the tree i hit but you get the idea     - happily not on my policy so no claims not effected but still £100 hike from it when declaring it on my policy ) few months after that i was reversing out of the drive @ home in my mota & during a moment of carelessness managed to reverse into a naighbours garden wall & my only saving grace was the rather hefty hedge behind said wall as it contained the wall & my mota from continuing into the garden, once again, the folks were happy for me to just fix the wall & that be an end to it so thats what happened & my mota still carries the battlescar on the rear bumper to remind me of my stupidity.


& a similar incident for a fellow member on here too, he gets punted up the rear on a roundabout & it goes via ins for obvious reasons  ( no not whiplash, but luckily it did as the party that did the punting has claimedwhiplash for many who were not involved etc even though they caused it    ) but within weeks of said incident he was just parked up & his wingmirror got hit rather well indeed & had to be replaced ( off the books this time as the other driver scarpoured quickly so no-one to claim off & a replacement mirror is much cheaper than the ins excess & subsequent ins hikes & NCB loss etc )


so 3 incidents that seem to back up the insurers stats even though all 3 secondary incidents dont appear in said stats  

so have a good think back & i bet most folks have similar stories of similar close together bumps which may or may not have been reported to the ins companies due to being so minor etc ( i could list another set of coincidences relating to other family members of mine but i will refrain as it makes us sound like a right bunch of halfwits who cant reverse etc    )

[Alex Heney]

bumdump1, on 24 February 2012 - 11:21 AM, said:

Alex Heney, on 24 February 2012 - 10:50 AM, said:

bumdump1, on 09 January 2012 - 04:46 PM, said:

If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it and all your no claims should be intact as well so I don't understand why your premiums have gone up?

This is utterly false, and very dangerous advice.

You have to declare any incident which could have led to a claim, whether it actually does so or not. And if you don't do so, and they somehow find out in the event of you making a claim, then you will find your insurance invalidated. Which will not only cost you a lot, but could also land you in court for driving without insurance.

Of course, if it is something small which you get repaired by a friend without significant paperwork and nobody else was involved, then it is unlikely they would find out. But it is still technically fraud to obtain insurance without telling them,

That was a question, not advice! - which the OP cleared up over a month ago!

This bit "If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it" was advice, and was what I was commenting on.

I hadn't really been on here for over a month,

[bumdump1]

Alex Heney, on 24 February 2012 - 03:15 PM, said:

bumdump1, on 24 February 2012 - 11:21 AM, said:

Alex Heney, on 24 February 2012 - 10:50 AM, said:

bumdump1, on 09 January 2012 - 04:46 PM, said:

If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it and all your no claims should be intact as well so I don't understand why your premiums have gone up?

This is utterly false, and very dangerous advice.

You have to declare any incident which could have led to a claim, whether it actually does so or not. And if you don't do so, and they somehow find out in the event of you making a claim, then you will find your insurance invalidated. Which will not only cost you a lot, but could also land you in court for driving without insurance.

Of course, if it is something small which you get repaired by a friend without significant paperwork and nobody else was involved, then it is unlikely they would find out. But it is still technically fraud to obtain insurance without telling them,

That was a question, not advice! - which the OP cleared up over a month ago!

This bit "If you didn't claim on your insurance and it wasn't an accident then you don't have to declare it" was advice, and was what I was commenting on.

I hadn't really been on here for over a month,

Thats only part of the sentence and omiting the question mark, which made it a question, but I won't split hairs over it, point made