Luke Posted January 12, 2011 Report Share Posted January 12, 2011 I bet it went back with clean floor mats. I even cleaned the inside of the exhaust pipes! Link to comment Share on other sites More sharing options...
NewNiceMrMe Posted January 12, 2011 Report Share Posted January 12, 2011 I knew it. Link to comment Share on other sites More sharing options...
Tarmac_Terrorist Posted January 12, 2011 Report Share Posted January 12, 2011 I think the whole motor insurance sector needs some form of better regulation. They seem to all be developing their own system. Some insurance companies now class factory fitted extras as modifications (eg sat navs, factor order wheel upgrades etc). Another favoutite in the past couple of years seems to be stuffing you with an 'extra / additional' £200 excess if you don't use their own designated authorised repairer (which I would avoid). Then there is the issue of other silly changes like winter wheels and tyres. Your prepared to be a decent, honest person, pay your way and insure your car legally and then the insurer goes out of their way to try and shove one up your wrong-un along the way. Link to comment Share on other sites More sharing options...
Milo Posted January 12, 2011 Report Share Posted January 12, 2011 I think the whole motor insurance sector needs some form of better regulation. They seem to all be developing their own system. Some insurance companies now class factory fitted extras as modifications (eg sat navs, factor order wheel upgrades etc).Another favoutite in the past couple of years seems to be stuffing you with an 'extra / additional' £200 excess if you don't use their own designated authorised repairer (which I would avoid). Then there is the issue of other silly changes like winter wheels and tyres. Your prepared to be a decent, honest person, pay your way and insure your car legally and then the insurer goes out of their way to try and shove one up your wrong-un along the way. The extras thing has always bugged me - I've always had to declare every option only for them to say no change of premium but if it gets written off, no enhanced value. The additional excess thing, devil's advocate here but if an insurer has a nationwide deal with a repairer, it keeps their costs down. If you go outside that network then they get hit so is it unreasonable for them to ask for extra £? Or would you prefer every premium to be loaded up front to cover the extra costs 'just in case'? The winter/wheels and tyres thing was a new one for 2010/11 though - it's the first time any large number of people have done it and not many insurers were geared up for it. Enter 'non standard wheels' onto the system and it more than (no pun intended) likely spewed out a higher risk. I daresay next winter will be different. Link to comment Share on other sites More sharing options...
PeterS Posted January 13, 2011 Report Share Posted January 13, 2011 ...Think how I felt; my wife was a named driver on my policy, me on hers. Then she reversed her car into mine on the drive (17 foot wide drive at that, FFS). In 5 brief seconds, we went from 2 unblemished records dating back almost 18 years, to my policy having a no fault claim against me and a named driver with a fault claim and her policy showing her with a fault claim and me with a no fault claim driver. Oh, how we laughed about it in the divorce court. At least your car must move sometimes, so it was obviously your fault for leaving it where it was . Imagine how I felt when my partner reversed his car into the house (yes, the house...) on Tuesday He managed to catch the window sill (cill?), which is tiled. Still, the bay window is only about 12 foot wide, so easily missed... As a result we've got a nice dent in the tailgate of the A3, just where the indentation for the number plate is, so not an easy (or cheap) repair I expect... I wouldn't mind, but it only came back from the bodyshop in December after a DHL van underestimated it's width... Peter Link to comment Share on other sites More sharing options...
cruiser647 Posted January 13, 2011 Report Share Posted January 13, 2011 A house is a nice large target...... Any damage to the house? did you claim on house insurance too? Link to comment Share on other sites More sharing options...
DHA Posted January 13, 2011 Author Report Share Posted January 13, 2011 How much to insure a Fiesta??????? Link to comment Share on other sites More sharing options...
CarMad Posted January 13, 2011 Report Share Posted January 13, 2011 How much to insure a Fiesta??????? Go on we could do with a laugh... Link to comment Share on other sites More sharing options...
shao_khan Posted January 13, 2011 Report Share Posted January 13, 2011 Fiesta What? 1.3tdci (or whatever it is) Zetec - £990? Link to comment Share on other sites More sharing options...
DHA Posted January 13, 2011 Author Report Share Posted January 13, 2011 1.25 Petrol, 59 plate worth £10k. £770 Just for reference my 135 before I claimed was £560 a year Link to comment Share on other sites More sharing options...
NewNiceMrMe Posted January 13, 2011 Report Share Posted January 13, 2011 Holy poo. That's a lot. Mind you, you are an Arsenal fan. Link to comment Share on other sites More sharing options...
DHA Posted January 13, 2011 Author Report Share Posted January 13, 2011 Mind you, you are an Arsenal fan. I didn't disclose that! Link to comment Share on other sites More sharing options...
PeterS Posted January 13, 2011 Report Share Posted January 13, 2011 A house is a nice large target...... Any damage to the house? did you claim on house insurance too? The house is fine - it's Edwardian so nice and solid...unlike the tailgate on an A3 Link to comment Share on other sites More sharing options...
Milo Posted January 13, 2011 Report Share Posted January 13, 2011 By the way, the Office of Fair Trading have been investigating the 7 top motor insurers (by revenue) over the use of a piece of software and alledged indirect exchange of quotation information. The software in question is Experian's Whatif? and it revolves around calculating the risk profile for drivers. It basically allowed insurers to see how competitors may have priced the same risk profile although the OFT have stopped short of claiming any of the companies involved had used the tool to fix prices. Instead it said there was "an increased risk of price coordination among motor insurers". All parties have had to agree to limit the exchange of info in the future. There's a bit more about it here - Motor insurers warned about price-fixing | Business | The Guardian Link to comment Share on other sites More sharing options...
Milo Posted January 18, 2011 Report Share Posted January 18, 2011 And this might have big reprecussions too: BBC News - Mirror wins costs ruling in Naomi Campbell case It surrounds the No Win, No Fee firms. They take a claim on under the big headline of you get to keep 100% of the compensation however their fees can be horrendous. As it stands, they can claim 100% mark up on solitictor AND lawyer/barrister fees plus a success fee. In this case, Naomi Campbell won £3500 damages however the legal bill was £1,000,000 of which £650,000 was Campbell's legal representative's fees. If they could change the rules to what is recommended "The report suggested a 25% limit on the share of damages paid to lawyers in a successful claim" then it would have a massive impact on the number of firms willing to take on these frivilous claims, chasing £2k damages for 'whiplash'. Link to comment Share on other sites More sharing options...
PeterS Posted January 18, 2011 Report Share Posted January 18, 2011 Here's a bit of good (relatively...) insurance news My partners car is insured through Direct Line. For various reasons (mostly poor driving ) he's now got no NCB. His premium on the A3 was around £500 with two years NCB, but on renewal earlier this month that was reduced to 0 years following a claim (No, not reversing into the house... That was after renewal ) The result - an increase in premium of just over £100. How does that work :confused: Link to comment Share on other sites More sharing options...
Milo Posted January 18, 2011 Report Share Posted January 18, 2011 Glitch in the system, say nothing Link to comment Share on other sites More sharing options...
PeterS Posted January 18, 2011 Report Share Posted January 18, 2011 Glitch in the system, say nothing Even more bizare is the fact the excess is just £150 (all voluntary; there's no compulsory excess...) Lets see how understanding they are following a claim a week after renewal though Link to comment Share on other sites More sharing options...
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