Car Insurance companies - Modern day highwaymen
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 Crystal_Clear  Belfast 03 Jun 15 9.38pm |
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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 £$%^@£.
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jamiemartin721  Reading 03 Jun 15 9.45pm |
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My experience they're scum
"One Nation Under God, has turned into One Nation Under the Influence of One Drug" |
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| Stuk Top half 03 Jun 15 10.10pm |
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An enforced tax for a shoddy service.
Optimistic as ever |
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| Donnveronica Surrey 03 Jun 15 10.26pm |
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Try these people : I had an accident in Jan this year that wasn't my fault & they got me a courtesy car within 7 hours despite the fact I only had 3rd party insurance.
IT'S NOT THE SIZE OF THE DOG IN THE FIGHT , IT'S THE SIZE OF THE FIGHT IN THE DOG THAT REALLY COUNTS !! |
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| Hoof Hearted 04 Jun 15 10.53am | |
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Quote Crystal_Clear at 03 Jun 2015 9.38pm
This week my girlfriend was involved in a car accident whereby the van infront stopped sharply, she stopped sharply but the people behind rammed straight into the back of her car, forcing into the van infront as well. Took it to the insurance approved bodyshop, to be told it's likely to be a right-off. The insurance company told her that, because it's a right off she is not entitled to a courtesy car (even though they have not paid out), and that her insurance is now suspended because her car is not road worthy (so she can't drive someone elses car even with their permission). Without it being her fault she is now left without a car and no money to show for it yet. No doubt this will go as a claim against her as well. Absolute £$%^@£.
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!
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| johnny the eagle wivenhoe 04 Jun 15 12.05pm |
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Yeah afraid with insurance companys it's all about the money, as with most things these day's. I got rid of my car, me and my partner decided to only use the one car. Anyway, had about 2 months to run on my insurance, phoned up insurance company to cancel policy. They said as only a short time to run on said policy then sorry no surrender value on policy. But the cheeky bstards wanted to charge me 30 quid cancellation charge. Told me it was not really on if I just let the policy run it's 2 months and run out, as if new car owner had any sort of claim in my old car I could be liable. What a load of bollix, so I saved 30 notes and just let the policy run out.
South London born and bred |
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| Joe Bloggs Nr Norwich 04 Jun 15 12.18pm |
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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.
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| jamiemartin721 Reading 04 Jun 15 12.56pm |
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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.
"One Nation Under God, has turned into One Nation Under the Influence of One Drug" |
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| npn Crowborough 04 Jun 15 1.12pm |
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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
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| dannyh wherever I lay my hat....... 04 Jun 15 1.35pm |
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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 £$%^@£. Robbing b******s, at least muggers beat you up before they steal your hard earned.
"It's not the bullet that's got my name on it that concerns me; it's all them other ones flyin' around marked 'To Whom It May Concern.'" |
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| DanH SW2 04 Jun 15 1.46pm |
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Quote dannyh at 04 Jun 2015 1.35pm
Quote Crystal_Clear at 03 Jun 2015 9.38pm
This week my girlfriend was involved in a car accident whereby the van infront stopped sharply, she stopped sharply but the people behind rammed straight into the back of her car, forcing into the van infront as well. Took it to the insurance approved bodyshop, to be told it's likely to be a right-off. The insurance company told her that, because it's a right off she is not entitled to a courtesy car (even though they have not paid out), and that her insurance is now suspended because her car is not road worthy (so she can't drive someone elses car even with their permission). Without it being her fault she is now left without a car and no money to show for it yet. No doubt this will go as a claim against her as well. Absolute £$%^@£. Robbing b******s, at least muggers beat you up before they steal your hard earned.
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| martin2412 Living The Dream 04 Jun 15 1.48pm |
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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.
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