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Author Insurance renewal
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 15:06   View User's Profile U2U Member Reply With Quote

Totally not fair.


I'm 27 have 8yrs Ncb and because I had an accuser which wasn't my fault ( I was stationary and they drove into me ffs)

Can't get my insurance below 850?!?!?


I might just sell the car and be done with it I'm bored of wasting mone on cars
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 15:06   View User's Profile U2U Member Reply With Quote

I meant accident stupid iPhone!

I'm old and drove a bean tin, why can't my insurance be smaller
BarnshaW
Member

Registered: 25th Oct 06
User status: Offline
24th Sep 10 at 15:08   View User's Profile U2U Member Reply With Quote

i had my renewal this year and i got my 5th years NCB and they wanted to put it up 200 quid ??? i rung them up and they even knocked off 150 pound when i rung them up but i still got it 400 pound cheaper by going on www.carmoneysupermarket.com
DaveyLC
Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline
24th Sep 10 at 15:09   View User's Profile U2U Member Reply With Quote

Dont declare it.. It in no way affects your risk level, you could take the insurance company to court over it if they refused to payout and used that as an excuse.
shaunmods
Premium Member

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Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
24th Sep 10 at 15:11   View Garage View User's Profile U2U Member Reply With Quote

Don't tell the about the accident Jambo. I had this exact problem with my insurance. I've been crashed into twice and it was putting the quotes up by 300. Why should you have to pay for something that wasnt you fault?!

[Edited on 24-09-2010 by shaunmods]
bigron1988
Member

Registered: 29th Aug 09
Location: Southport, Merseyside
User status: Offline
24th Sep 10 at 15:15   View User's Profile U2U Member Reply With Quote

i had this with mine last month, some one drove into me and admited fault, i did not tell them and they declined the insurance i then told them and it went up by 38 for the year
dan_m1les
Member

Registered: 8th May 06
Location: Burnham, Buckinghamshire
User status: Offline
24th Sep 10 at 15:18   View User's Profile U2U Member Reply With Quote

Mine has also gone up this year by around 150 even though I now have 5 years no claims
am4nf
Member

Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
24th Sep 10 at 15:26   View User's Profile U2U Member Reply With Quote

You dont need to declare it if the claim wasnt made on your insurance
John
Member

Registered: 30th Jun 03
User status: Offline
24th Sep 10 at 15:29   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by DaveyLC
Dont declare it.. It in no way affects your risk level, you could take the insurance company to court over it if they refused to payout and used that as an excuse.


quote:
Originally posted by shaunmods
Don't tell the about the accident Jambo. I had this exact problem with my insurance. I've been crashed into twice and it was putting the quotes up by 300. Why should you have to pay for something that wasnt you fault?!



That's not how insurance works though is it.

Althoug

quote:
Originally posted by am4nf
You dont need to declare it if the claim wasnt made on your insurance


Is fine, if the claim went through your own insurance at any point and you odn't declare you wouldn't get anywhere by taking them to court.
shaunmods
Premium Member

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Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
24th Sep 10 at 15:36   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by John
Is fine, if the claim went through your own insurance at any point and you odn't declare you wouldn't get anywhere by taking them to court.


If thats correct I shouldn't need to declare either or mine anyway then. What was the situation with yours Jambo? Did you claim off the other persons insurance?
3CorsaMeal
Member

Registered: 11th Apr 02
User status: Offline
24th Sep 10 at 15:37   View User's Profile U2U Member Reply With Quote

why not just buy a brand new car and get free insurance, that would be lovely
John
Member

Registered: 30th Jun 03
User status: Offline
24th Sep 10 at 15:43   View User's Profile U2U Member Reply With Quote

Have you tried the usual bell/admiral/elephant Jambo?

Apart from IAM Surety nobody can touch the prices they 3 give me.
Ojc
Member

Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
24th Sep 10 at 15:46   View User's Profile U2U Member Reply With Quote

Absolutely ridiculous price Jambo. I'd start removing lips if I was you.
VrsTurbo
Premium Member

Registered: 8th Jun 10
User status: Offline
24th Sep 10 at 15:51   View Garage View User's Profile U2U Member Reply With Quote

i pay 2/3rd of that for a 1.8t at 22
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 16:35   View User's Profile U2U Member Reply With Quote

Situation was I got crashed into, then had to have substantial amount of damage repaired (3.5k iirc) that I claimed for but it didn't come off my NCB.as it obviously wasn't my fault.

It says you have to declare them regardless of fault?!


I have no points on my licence and never have had, had 1 other accident again non fault 5years ago?!

Why is it so high? I tried Elephant, swift cover and one other I had never heard of. Guess trawling through the lot of them is the only way *sigh*
Gareth T
Member

Registered: 14th Feb 06
Location: newcastle
User status: Offline
24th Sep 10 at 16:53   View User's Profile U2U Member Reply With Quote

I've just go off the phone about my insurance, they wanted 729.90 FC for the year. I drive a corsa c 1.2 twinport, insurance is horrendous.
Nic Barnes
Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
24th Sep 10 at 16:57   View User's Profile U2U Member Reply With Quote

insurance has gone up quite a bit. i have 8 years no claims, no points change on my license and my vectra went fro 270fc to 430fc same company. rang around and best quote i could get was 290 so had to change compaines. i had previously been with same one for last 8 years and it had gone down every year until this.

cant wait for the renewal for my corsa in november............
daymoon
Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
24th Sep 10 at 16:59   View Garage View User's Profile U2U Member Reply With Quote

I am going to pay 1073 on a 323 beemer at 20 with 3ncb! your quote is ridicilous!
Cole
Member

Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline
24th Sep 10 at 17:18   View User's Profile U2U Member Reply With Quote

the insurance company will know that you have had that accident even if you dont tell them i ahd the same problem with admiral didnt declare came to qoute on the phone and it flagged up on my name if you have had a non faulkt claim statistically you are going to have an at fault claim so you are higher risk stealth insurance tax if you ask me

my accident happened outside my house and i wasnt even in the car i wasnt even in my house i was 10 miles away but i still get penalised for it i mean wtf
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 17:58   View User's Profile U2U Member Reply With Quote

Cole thats fucking ludo. I was sat in traffic stationary with the handbrake on, guy hit me because he made an illegal manoeuvre into oncoming traffic

It pisses me off, it ruined my holiday the following week and now i am paying the price for his fucking idiocy. I should sue the little mick cunt
Ojc
Member

Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
24th Sep 10 at 18:00   View User's Profile U2U Member Reply With Quote

The innocent always getting shafted up the arse in this country, Rachel is basically in the same situation from when that idiot pulled out on her from a parking bay into live traffic.
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 18:09   View User's Profile U2U Member Reply With Quote

so is the concencus i declare it then?

If they ask and i refuse then thats me liable for fraud is it not?
BarnshaW
Member

Registered: 25th Oct 06
User status: Offline
24th Sep 10 at 18:10   View User's Profile U2U Member Reply With Quote

i aint declared things on my insurance, they also think i am a bus driver for my profession
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 10 at 18:13   View User's Profile U2U Member Reply With Quote

Bus driver WTF

I just added Mrs Jambo as my named driver, went from 917, to 661

Insurance is fucked up
Ojc
Member

Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
24th Sep 10 at 18:15   View User's Profile U2U Member Reply With Quote

It's utterly ridiculous, it is actually legalised robbery car insurance.

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