Hi am currently with Post office insurance brokers and currently have insurance at £240 for a hyundia lantra with AXA insurance, i've recently been involved in a NON FAULT incident where the other partys insurance has admited full liabilty, as a result of this i am in the proccess of making a claim for my car damage aswell as a injury claim because someone was hurt in the accident traveling in my car!!
Now today i phoned my brokers (post office insurance) for a quote on a toyota celica 2.0 gt 1994, well over the phone they said it would come to £456......i screamed out WHAT!!! when they quoted me!!...thats a full £215 more than i'm currently paying for my present vehicle (the Lantra)...
I get home get a quote on line and it quotes me £212( with the post office) NOT £456 she quoted me over the phone!!! What are they up to??
And when i suggested canceling and going else where, she said i'd have to pay the whole years premium for my current car (the Lantra) because i'm paying monthly and the insurance just started for that car rolling over for another year from November 2009 (i've been with them a few years paying monthly) and they renew automatically unless i say otherwise......but why would they lie about what the insurance for this car should come to?
Discracefull...and she double checked my details when getting the quote over the phone!!
Edited by Webmaster on 26/01/2010 at 23:51
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I bet you did not say in your on-line quote you had had an accident. They are now aware of the fact you have had an accident. You say this in the process of being resolved, so during that period this counts as YOUR fault untill resolution. Even after your risk will increase because you have been involved in an accident even thi its not your fault. So your basic premium will increase.
To say the inssurance company are LIARS is a gross distortion. They can quote what they like - they dont have to lie about it.
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The fact that you have an outstanding claim will increase your premium vastly especially as it includes a personal injury claim. This is something which the on-line quote probably wouldn't have included, but you would still need to declare it to whoever you take out insurance with, or you could have big problems in the event of another claim, and as soon as you do declare it your premium will certainly increase from the online quote.
Edited by andyp on 26/01/2010 at 20:48
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But thats a difference of almost £240 btween over the phone and On line quotes....just because the phone quotation knew about a claim currently in proggress!!...WOW.
So i take it when my current claim has been dealt with my quotations for other vehicles will settle down to more realistic prices with these people!!...i mean she could have simply said " you have a claim in the system this is why we are hoofing you for more, even though the accident wasn't your fault"
I mean i've never heard of a non fault accident affecting the innocent parties premiums, why should someone be punished just because some careless idiot drives in to them!!...crazy
Thanks for the replies though chaps!!
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I mean i've never heard of a non fault accident affecting the innocent parties premiums why should someone be punished just because some careless idiot drives in to them!!...crazy
I'm sorry but that's the way the system works for everyone who drives a car!
Also, look forward to, once the accdent claim has all been settled and it's not your fault, having "Incident" recorded on your insurance record for an accident which in no way was your fault. You also have to tell any prospective insurance companies who you might subsequently seek quotes from about this "Incident" for the next five years.
Good, isn't it!
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I mean i've never heard of a non fault accident affecting the innocent parties premiums, why should someone be punished just because some careless idiot drives in to them!!...crazy >>
See
www.honestjohn.co.uk/forum/post/index.htm?v=e&t=77...2
To paraphrase what I said there "If you have a no-fault claim, make sure that the 3rd party you are claiming from, or their Insurers listed in the article, pay you compensation to cover the extra premiums you will be charged for the following 5 years from your no-fault claim."
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So there for whats the point in having "no claims bonus" or indeed protection for it, when even a non fault accident raises premiums to such an extent, my no claims is still intact, doesn't seem to count for much though obviously, and what really grates on the nerves is how i'm chasing the third party insurers to get my motor fixed and all i get is their answer phone!! and a shed load of excuses that they've "lost the fax quote for the repairs" and have to re contact the garage in question for another quote....sigh !
Edited by Dynamic Dave on 27/01/2010 at 09:40
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Hi, spidermonkey. Sorry to hear about your accident.
Another factor in the price difference is the 'brand new customer only' situation. The quote on the phone was based on you renewing (with a different car) your existing policy. Insurance companies always offer better prices to attract new customers, and as you were online, quoting for a different car, the robots may have thought you were a new customer.
As regards the no fault situation, I've always felt that some insurance companies make it as unpleasant as possible to make a claim (fault or not) to discourage you from claiming.
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Some people are better at not getting involved in non-fault accidents than others - defensive friving guv
You may retain a no claims bonus, but the basic premium price will increase if you have an accident (even if it's not your fault)
MVP
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When the renewal for my Hayabusa came through this year it was a shocking £808, I went online for a quote (same insurance company) - £198. I took that up and cancelled the renewal. The moral of the story, insurance companies expect you to not be bothered to look around!
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