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Why bother with an insurance claim on your car?

11 comments  Add a comment

My gripe is with car insurance claims.  Having had continual cover for 35 years with a clean licence my insurance has gone up so much that I will have to take my disabled son on a bus and will not be able to use my car any longer.

A couple of years ago I had my car stolen and burnt.  I now wish that I had not told the insurance and I would advise anyone not to go the their insurance if the car is an oldish car.  They gave me £150 for a car which had just passed the MOT with a full year.

My insurance premium has jumped by £300 every year since, even though I had full no claims protection!  I really wish that when the police notified me that they had found it burnt out I had just paid for it to be recovered, scrapped and not gone through the insurance.  I have since paid over £900 more for my insurance.

This year a woman said I had scratched her car.  When I looked there was no mark on my car and the scratch on hers didn't appear to be anything to do with my car.  She was demanding money and shouting, and even though I didn't think I had actually hit her car I opted to go through the insurance.  How I wish I had just handed over some cash to settle it instead!  I gave her my insurance details and now my car insurance has gone up by £700 more and my insurance is still not settling the claim even though I'm claiming no damage to my car.  Actually, the scratch on her car is about an inch long and to me it looked like it been caused by a trolley or key rather than another car.

A burned out car I'm fed up with the insurance companies getting our money twice and treble at very turn.  Car insurance seems to be a licence to print money for some of them it would seem, and I can see why people are trying to claim personal injury these days.  The government should put a stop to all of this!

My insurance people told me it could go on for a couple of years unsettled and my premium is still on the rise.  I will be unable to keep the car through no fault of my own after so many years of always being a good honest citizen.

Surely insurance companies should have a time limit on how long it takes to settle a claim?  Has anyone else had this problem?  I will be complaining to the Ombudsman, even though they are usually on the side of the insurance company form what I've heard.


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Scams

Scams

I bothered. It cost me 40 hours of my time waiting for an inadequate police force to deal with the case of my stolen car. The insurance company only paid up about 75% of the real value of my loss. BAH!
Scams
4th Feb 14 02:02

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1
USA

USA

DG4Kmw Appreciate you sharing, great article. Really Cool.
USA
20th Mar 13 10:03

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-5
USA

USA

DG4Kmw Appreciate you sharing, great article. Really Cool.
USA
20th Mar 13 10:03

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-4
USA

USA

59oSnZ Awesome article post.Much thanks again. Really Cool.
USA
22nd Oct 12 09:10

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-8
USA

USA

59oSnZ Awesome article post.Much thanks again. Really Cool.
USA
22nd Oct 12 09:10

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-9
Mark Smith

Mark Smith

Great info! I recently came across your blog and have been reading along. I thought I would leave my first comment. I don’t know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.
www.onlinecarguide.net
Mark Smith
1st Mar 12 08:03

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2
Timelord

Timelord

I agree that your premiums appear here for someone so experienced, unless you are driving a Porsche or similar?
One thing that can help premiums is your job description, when my Dad was working he put his job down as "Senior Test Engineer" (which was accurate), and the premiums seemed to rise. He changed it to "Senior Engineer" (just as accurate) and the premiums dropped. Subsequent enquiries revealed that the word 'test' increased the premiums. Likewise people like musicians pay higher premiums, whether you are a concert violinist or a trash metal drummer.
Timelord
21st Oct 11 05:10

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-10
Denise

Denise

I have a major gripe with my insurance company Sheila's wheels ( part of Esure Group). I took my policy out in April of this year as I have done for the past few years. Unfortunately, I recently had a minor accident and called them to arrange repair to my vehicle. I was told that if I took my car to a repairer of my choice and not their approved repairer I would be charged an extra £200.00 on top of my £100.00 excess. I had not been notified of this fact when I received my renewal - If I had I would not have insured with them. When I pointed this out to the girl in the claims centre she said it was in my policy booklet. However the policy booklet I had, mentioned nothing of this change. When I told her this, she replied I would have received a letter about the change in policy. When I said I had not, she replied that it was their word against mine and I would have to pay. After looking on their website they show two policy booklets to download,one has the new condition of the £200.00 charge - this booklet is for people who took out their policy after March 2011. I renewed my plicy in April 2011. I know the bodyshop they use for their repairs and all I have heard is bad reports. Be warned if you want to have the right to use a repairer of your choice do not use Esure.
Denise
17th Oct 11 06:10

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-5
Biggles

Biggles

Kitcar, zero no claims, £125 quid a year including roadside recovery anywhere in the EU, beat that.
Biggles
12th Oct 11 11:10

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-1
Young Meldrew

Young Meldrew

Your premiums sound extremely high! I'm 27, have 5 years no claims, drive a 2 year old group 19 sports car and pay a little over £800 fully comp! If you haven't already then I seriously recommend checking out some of the comparison sites.
Young Meldrew
12th Oct 11 07:10

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-24
Eric

Eric

Personally I'd never just hand over cash after an accident. That's plain stupid advice. Insurance is there for a reason. BTW your premiums seem a bit silly, what are you driving?
Eric
12th Oct 11 07:10

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-3

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