Got rear ended this morning.

[cheshiremaserati]

Protected no claims bonus is a scam to make more money for insurance companies.

Another scam......

 

[cheshiremaserati]

"The Nissan Micra insurer - some budget policy underwritten by Aegeas"

You appear to have paid your money and taken your chances. Needamaser, imho, is spot on in his comments.

You are incorrect - or are you an insurance broker? My specialist broker told me had I stuck with a good company such as LV who I hzve used, the outcome was likely to have been the same - they are volume companies off comparison sites and very quick to write off on grounds of uneconomic repair. So using a company that underwrites its policy or uses a third party underwriter such as Aegeas is just unwilling to repair a car if it deems it uneconomical (a significant 50% of mkt value or exceeds mkt value). I would never insure the Turbo or GS through anyone other than a specialist with agreed value policies and own choice of repairer.

 

[Navcorr]

Is there a feint possibility your broker, rather than enter into protected discussions, is simply telling you what you want to hear.

 

[cheshiremaserati]

Is there a feint possibility your broker, rather than enter into protected discussions, is simply telling you what you want to hear.

Not in the least. I have used the same specialist broker for more than 7 years. You are stunningly miles adrift - over the Sahara under the illusion you are over the Atlantic - but neither an ocean or a desert has buildings further stimulating the illusion.

 

[Scaf]

Don't make a claim on your insurance, don't even ask them to be involved or you will pay the price on renewal, just tell them you are informing them of the accident. Deal with the other parties insurer direct and insist the car is repaired at a company of your choosing.

They can penalise you even if they were not involved in any way settling or negotiating the settlement with the other party.
In fact a few years back Direct Line refused to even quote after I had 3 x no fault accidents within 8 months, in all three accidents I dealt direct with the other parties insurance and may insurance we’re i my told when I needed to declare it at renewal.

 

[Davidt99]

They can penalise you even if they were not involved in any way settling or negotiating the settlement with the other party.
In fact a few years back Direct Line refused to even quote after I had 3 x no fault accidents within 8 months, in all three accidents I dealt direct with the other parties insurance and may insurance we’re i my told when I needed to declare it at renewal.

3 accidents in 8 months is no accident despite you not being at fault, maybe you would benefit from some defensive driving tuition

 

[Wattie]

3 accidents in 8 months is no accident despite you not being at fault, maybe you would benefit from some defensive driving tuition

Blimey, judge and jury.....do you work for a Motor Insurance Co?

 

[midlifecrisis]

Gap insurance is another scam. Allows the insurance not to pay you the full amount as you have another insurance that will.

 

[Davidt99]

Blimey, judge and jury.....do you work for a Motor Insurance Co?

Not at all, I was merely suggesting that 3 no fault accidents in 8 months may be more than just bad luck and that the poster might benefit from a little more defensive driving style. It may be pure bad luck as I don't know the circumstances of the accidents but at least my comments might be a little thought provoking.

 

[Scaf]

3 accidents in 8 months is no accident despite you not being at fault, maybe you would benefit from some defensive driving tuition

Yeah - they were all my fault really

 

[lifes2short]

insurance is exactly that, if they don't pay out the correct figure and/or repair a motor that should be repaired then just threaten legal action towards their insured and the insurance company, they'll soon sit up and listen and believe me it does work

 

[Wack61]

In most cases even if you are the innocent party your premium will increase because there has been an incident. Not fair, but it is a fact. Even if your car is parked and unattended it will go up.

Not in my experience , none of my renewals were more expensive after the first or second non fault claims.
Well that's not entirely true, I got the renewal so rang up to tell them about the non fault crash and it went up £60
I pointed out it doesn't seem very fair that I should be penalised over a crash that I couldn't avoid in any way
She then re checked and applied a discount of £60

The answer is probably speak to a person not a computer to get the best price

 

[Davidt99]

Yeah - they were all my fault really

Did my post provoke any thoughts other than sarcasm? That was meant to be my reason for posting, not in any way did I intend to suggest the accidents were in actuality purely your fault.

 

[lifes2short]

not accidents anymore, technically rtc's

 

[dem maser]

Insurance in this country is a scam
In some countries, Cyprus being one of them, you pay your premium, which by the way is cheap, roughly €300 for a top of the range Ghibli diesel, and if you do not claim in that year you get 80% of your money back

 

[CatmanV2]

Did my post provoke any thoughts other than sarcasm? That was meant to be my reason for posting, not in any way did I intend to suggest the accidents were in actuality purely your fault.

Bluntly I think most of us benefit from additional driver training, defensive or otherwise

C

 

[lifes2short]

Bluntly I think most of us benefit from additional driver training, defensive or otherwise

C

I tend to prefer offensive driving, the sign language can work wonders

 

[Scaf]

Did my post provoke any thoughts other than sarcasm? That was meant to be my reason for posting, not in any way did I intend to suggest the accidents were in actuality purely your fault.

Did you not see “the wink” ?
As it happens I had advanced driver training ( but am certainly far from perfect) but sometime you can not influence the outcome of an accident - hence my recommendation for dashcams.

 

[Saigon]

3 accidents in 8 months is no accident despite you not being at fault, maybe you would benefit from some defensive driving tuition

Maybe those who were actually at fault with regard to Scaf’s accidents should have had the defensive driving Tuition. On two occasions have been stopped at traffic lights and rear ended by another driver, no amount of defensive driving tuition on my part would have stopped that happening, therefore to infer that the innocent party would benefit from such training is a bit unfair. The bottom line is that these days the standard of driving has deteriorated, for what ever reason. Every day you find yourself anticipating what that other idiot is going to do next. But there are some instances over which you have no control, defensive driver training or not.

 

[Wack61]

Bluntly I think most of us benefit from additional driver training, defensive or otherwise

C

This guy could do with some driver training, all these incidents and the same driver
4:00 is him writing his first truck off and at 11:35 and 100 miles of ownership the replacement, if I only had one eye I'd have seen the juke and avoided it