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"Insurance" Companies take us for a ride!

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Barry Scott:
Wanderer

It is hard to say without the full details but from what you say, that is not possible.  The claim for the damage to the other vehicle should have been made from the person driving the car, through his driving other cars benefit.

If your friend did not claim for his car (which he should not have been able to as it was not insured for the other driver), then his no claims bonus should not be affected.

If this is the case, he should take this further.  PM me if you want details for the Financial Ombudsmen.

Wanderer:
AIUI they used the "The vehicle owned by you was involved in an accident"
It happened earlier this year and to be frank most insurance companies can make and change rules concerning no claims bonus. I'd be interested in any pointers where this can be straightened out.

Ed

Barry Scott:
Wanderer

He would need to check there was no claim made under his policy.  I presume he did not claim for his car, and there should have been no payment to the third party as it was covered by the drivers insurance.

The policy books I have to hand all say something that basically means if they have to pay any money out, your no claims bonus would be stepped back.
 
Tell him to call his insurer/broker and ask for the costs they paid for his claim.  If they paid none then he should ask why his bonus has been stepped back.  Tell him to look in his policy booklet index for No Claims Bonus and read the section about it, it may explain when and why no claims bonus may be stepped back.  

If they say they have paid out, ask to whom, how much and why.

If you need any more info, feel free to PM me.

luffy:

--- Quote from: "laser_jock99" ---
--- Quote from: "Reaper" ---
--- Quote ---With all this talk of bad insurers, can anyone reccomend one who DOESN'T rip you off? (I'm 20 so I need all the help I can get)!

--- End quote ---


I have been with Adrian Flux for the last 10 years, every year I ring around and sometimes I get a quote a few pounds cheaper, I then go back to Flux and they match or beat it!  So I would reccomend you give them a try !  plus they don't try and class my S3 SWB hard top as an estate ! like some do  :?
--- End quote ---


My Adrian Flux re-newal was £413 this year. I fished around and £297 from the AA website, presented the evidence to Adrian Flux and they beat the AA by a tenner!! Can't complain at that. Now all I have to do is remind them later of all the modifications there are on the car.......
--- End quote ---


I can't fault the service I've had from Adrian Flux over the last three years.

My renewal this year with them was about £100 more because of the V8 conversion.  After phoning around a few other companies, I got a renewal figure of about £100 less than Flux (i.e the same as what my current premium was)

When I phoned Flux back they beat the other quote by a fiver so I've actually renewed this year for less than I paid last year, even with a V8 conversion.

I sometimes wonder if there's any logic to the way insurance premiums are calculated.

Priglet:
I've been fairly well treated by NFU.

1). I had a 90 stolen 18 months ago and cursed for a month as I had to share the wife's car. As soon as the month was up NFU phoned up and started talking about the value of my motor. I thought the price was a bit low so haggled and got a few hundred pounds added for various things and got to a price was happy with only to be told it was plus vat giving me an extra grand.

2). When I got a new vehicle they let me have the remainder of the policy on it even though they had paid out in full.

3). My next premium was cheaper even though I'd had a claim and my NCB wasn't reduced.

4). I upgraded to a 110 3 months into my policy this year and haven't had to pay any more money even though the vehicle is newer and more expensive than the 90 was.

Although I wouldn't complain if insurance was cheaper :wink:

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