Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
|
obvioulsy when my car was broken into the other day, i ran them to see if i had to pay excess on a claim, if i was to make one, as i was unsure of where i stood as it was malicious damage, which doesnt seem to have any additional excess.
anyway, get home today, and my policy details have arrived, have a quick flick through them, and there seems to be a claim, for 1000 pounds on there, which i did not make
decide to ring them to tell them about their error, and have to ring 7 different phone numbers before i get through to anyone, due to their office hours being 8.30 - 5pm, which is of no use to me as i work half an hour longer than them
i tell the woman that there is an error, and i have not made a claim, when i am informed that i reported the incident, and i therefore will have it on my policy as an attempted theft
she also said, i have to declare the incident for 5 years. this WILL affect my premium, as it qualifies as a claim, even though i have recieved nbo money whatsoever
i was told by the operator to put this all in writing, but the incident cannot be removed from my policy, as i reported it, so my premium will go up next year
what a fucking joke, i'm outraged, if i had claimed, i'd understand, but i didnt, and i have no intention of doing, so i'm getting fucked over for no reason 
oh, and autoglass wont come out to me at work, i will have to have the afternoon off, and lose half a day holiday
(sorry about the essay)
|
Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
|
Well if you didn't did the people who broke in to your Nova make the claim? Just an idea? Sorry to hear about this tho matey - lucks certainly not on your side atm by the sounds of it 
|
Karen
Member
Registered: 9th Jul 03
Location: Edinburgh
User status: Offline
|
Thats a bit weird :S
So u never once said u would be wnting to make a claim but they still put it down as a claim anyway?
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
Tell them where to go.
You can phone and report an incident without making a claim.
|
Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
|
i enquired about the excess hoping that i wouldnt have to pay for the glass, but i was told it was 300 quid, so decided to sort it myself
but, because i reported it, it goes down as a cancelled claim, so i have to declare it for 5 years, and every insurance policy i get from now until 2011 will be more expensive than it should be
might just claim, cancel the policy and pocket the money, then start a new policy and start my NCB again, as i've only been insured on it for 9 days
|
Karen
Member
Registered: 9th Jul 03
Location: Edinburgh
User status: Offline
|
Sounds like a plan! May aswell try make some money out of it!
|
Mark Petty
Member
Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
User status: Offline
|
It will probably take months for the money to come through
|
chr15barn3s
Member
Registered: 5th Oct 03
Location: Farnborough
User status: Offline
|
That doesnt sound very fair. What insurance company are you with?
|
Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
|
Direct Choice
their opening hours are 8 til 8 if you wanna buy a policy, but if you wanna complain, you have to do it in the hours when you are at work, which is ridiculous
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
Tell them you didn't make a claim.
And its only 5 years if teh company you apply for asks for 5 years.
If they don't its not.
You can cancel within 14 days anyway.
I'd try and get somebody english for a start, then tell them you did not in any way make a claim and you want to cancel within your 14 days.
|
cash_2_my_corsa
Member
Registered: 26th Nov 05
Location: in a town near u!
User status: Offline
|
i dont know wats the point of havin insurances
|
jamesvalver
Member
Registered: 21st Feb 03
Location: Bury St Edmunds, Suffolk
User status: Offline
|
admiral are the same aswell, they dont want to pay out for my gsi which was stolen and there doing everything possible not to pay out. ive been advised to seak legal advise. maybe you should look into it aswell? insurance is a waste of time when you make a claim. there happy to take loads of money from us but wont give jack shit back!
|
Jake
Member
Registered: 24th Jan 05
User status: Offline
|
quote:
Originally posted by cash_2_my_corsa
i dont know wats the point of havin insurances
for one instance, if you crash into a car worth 15k, would you rather pay out insurance at, say, Ģ900 per year, or shell out 15k for a replacement car?
|
Mark Petty
Member
Registered: 26th Jul 01
Location: Bournemouth Drives: Suzuki gsf600
User status: Offline
|
quote:
Originally posted by cash_2_my_corsa
i dont know wats the point of havin insurances
If you crash into someone u don't have to pay the repairs 
|
a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
|
that seems ridiculous i would send a very strong worded letter. cant be right!
|
JadeM
Premium Member
Registered: 9th Feb 06
User status: Offline
|
Id get in touch with the ABI if I were you, they state : You must tell your insurers as soon as possible - even if you donīt intend to make a claim. This is a condition of your policy.
However dont say if informing them & not making a claim will affect your policy - they should be able to advise.
http://www.abi.org.uk
|
JadeM
Premium Member
Registered: 9th Feb 06
User status: Offline
|
Association of British Insurers:
Tel: 020 7600 3333
e-mail: info@abi.org.uk
|
