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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.
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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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.
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