Jump to content


Show
Photo

How Much Is My Insurance Likely To Go Up By?


  • Please log in to reply
31 replies to this topic

#1 laumk7

laumk7

    Settling In Well

  • FOC Supporters
  • 52 posts
  • Name: Laurie
  • Ford Model: Fiesta
  • Year: 2013
  • Location: Gloucestershire

Posted 02 July 2014 - 03:57 PM

I had to make a (3rd) claim this morning following being involved in a hit and run (she hit me then drove off), I managed to get a partiall on her reg plate which has now gone through to local officers whatever that means?
She's taken some of my paint off so I had to proceed with a claim regardless, but I did give insurers incident number
Of my witnesses one is refusing saying I deserved it ?!?! Another is happy to be a witness. Is there anything I can do about the chump who's refusing?

Have something to contribute?

Sign in or register to start a topic...

Sign up to FOC Premium Membership To Remove These Ads

#2 MattDRX

MattDRX

    Ford Enthusiast

  • FOC Supporters
  • 1,017 posts
  • Name: Matthew
  • Ford Model: Fiesta ST2 Pauper Spec
  • Year: 2013
  • Location: Berkshire

Posted 02 July 2014 - 04:36 PM

it's a civil case and you can't force anyone to be a witness and probably best to leave him be if he's not cooperating.

 

How bad is the damage? wondering about cost of repair vs excess and increase in claims?



#3 Philf1

Philf1

    Ford until I die!

  • FOC Supporters
  • 1,352 posts
  • Name: Phil
  • Ford Model: Fiesta ST2
  • Year: 2014
  • Location: Yorkshire
Contributor

Posted 02 July 2014 - 04:46 PM

Think of a number then double it add 100 then multiply by your age lol

Sorry to hear that there's some scum around she'll probably say she didn't know she'd hit you. Hope the insurance hike is not too much


Sent from my iPhone using Ford OC mobile app

#4 SandyCat

SandyCat

    Feet Under The Table

  • Budding Enthusiast
  • PipPipPipPip
  • 356 posts
  • Name: Rick
  • Ford Model: Fiesta Mk7 1.4 Zetec
  • Year: 2009
  • Location: Shropshire

Posted 02 July 2014 - 07:12 PM

Make the most of the witness who is co-operating and hope the TP can be traced.

A 3rd claim on your insurers will hammer your next premium regardless of fault.



#5 jeebowhite

jeebowhite

    Resident Loon

  • Super Mod
  • 14,873 posts
  • Name: James
  • Ford Model: Sea Grey Mondeo MKIV 1.8TDCi 140ps Zetec
  • Year: 2007
  • Location: Kent
Contributor

Posted 02 July 2014 - 07:32 PM

sadly I have to agree, I think your looking at a fair whack, it depends what you already pay, but expect to pay 20 - 30 percent more.



#6 bry0586

bry0586

    Feet Under The Table

  • Members via FB
  • PipPipPipPip
  • 193 posts
  • Name: Bryan
  • Ford Model: focus1.6 tdci sport
  • Year: 2006
  • Location: West Midlands

Posted 02 July 2014 - 07:41 PM

theirs some right %"^£" holes out there, unfortunately if it all goes to pot no telling what it will increase by, insurance to me is a confusing game, 10 years no claims and im paying 90quid a month haha



#7 jeebowhite

jeebowhite

    Resident Loon

  • Super Mod
  • 14,873 posts
  • Name: James
  • Ford Model: Sea Grey Mondeo MKIV 1.8TDCi 140ps Zetec
  • Year: 2007
  • Location: Kent
Contributor

Posted 02 July 2014 - 08:08 PM

Are you sure your not insuring a ferrari for 1000 miles a day?



#8 Philf1

Philf1

    Ford until I die!

  • FOC Supporters
  • 1,352 posts
  • Name: Phil
  • Ford Model: Fiesta ST2
  • Year: 2014
  • Location: Yorkshire
Contributor

Posted 02 July 2014 - 08:20 PM

theirs some right %"^£" holes out there, unfortunately if it all goes to pot no telling what it will increase by, insurance to me is a confusing game, 10 years no claims and im paying 90quid a month haha


Ouch! I have 3 years ncb and only pay £260 a year


Sent from my iPhone using Ford OC mobile app

#9 bry0586

bry0586

    Feet Under The Table

  • Members via FB
  • PipPipPipPip
  • 193 posts
  • Name: Bryan
  • Ford Model: focus1.6 tdci sport
  • Year: 2006
  • Location: West Midlands

Posted 02 July 2014 - 08:56 PM

i live in the bronx lol 



#10 laumk7

laumk7

    Settling In Well

  • FOC Supporters
  • 52 posts
  • Name: Laurie
  • Ford Model: Fiesta
  • Year: 2013
  • Location: Gloucestershire

Posted 02 July 2014 - 09:08 PM

Update: police have found her and spoken to her apparently she's giving the didn't know she'd done it story
Long story short she wants to settle outside of insurance, thing is though I've already started a claim with my insurers, if I give her details it goes as a non fault claim for me, but if I decide to settle outside of insurance I'm still going to have that ring around my collar aren't i ? Settling outside is only going to benefit her insurance surely?
Help I need advice on this one

#11 Stoney871

Stoney871

    Resident Peacekeeper

  • Super Mod
  • 14,027 posts
  • Name: Clive
  • Ford Model: Focus mk2 1.8 TDCI Sport
  • Year: 2007
  • Location: Devon
Contributor

Posted 02 July 2014 - 11:00 PM

As you've already reported it to your insurance company the damage is already done.
Proceed with the claim, at least then her insurance will take a hit too.
Her fault therefore her costs.

Sent from my S5

#12 SandyCat

SandyCat

    Feet Under The Table

  • Budding Enthusiast
  • PipPipPipPip
  • 356 posts
  • Name: Rick
  • Ford Model: Fiesta Mk7 1.4 Zetec
  • Year: 2009
  • Location: Shropshire

Posted 03 July 2014 - 03:04 PM

Yes as Clive said your insurers already know so it remains on your record.

Some insurers now increase your premium per incident regardless of blame or protected bonus.

All you can really do is decide to go through your insurers and claim it back or just get the money directly from her.

Whatever happens keep your insurers informed.



#13 Philf1

Philf1

    Ford until I die!

  • FOC Supporters
  • 1,352 posts
  • Name: Phil
  • Ford Model: Fiesta ST2
  • Year: 2014
  • Location: Yorkshire
Contributor

Posted 03 July 2014 - 07:34 PM

And make sure you claim your excess off her insurance as well



#14 laumk7

laumk7

    Settling In Well

  • FOC Supporters
  • 52 posts
  • Name: Laurie
  • Ford Model: Fiesta
  • Year: 2013
  • Location: Gloucestershire

Posted 06 July 2014 - 04:43 PM

All arrangements have been made for my car to be collected for repair, courtesy car given etc. the scratch is right back to bare metal / plastic how long roughly is this going to take til I get the car back?

#15 laumk7

laumk7

    Settling In Well

  • FOC Supporters
  • 52 posts
  • Name: Laurie
  • Ford Model: Fiesta
  • Year: 2013
  • Location: Gloucestershire

Posted 06 July 2014 - 05:05 PM

Also can I chase that she's prosecuted? She's claiming she didn't know she'd done it which I find extremely hard to believe and drove off, my sheer fortune I was there to take her reg number

Have something to contribute?

Sign in or register to start a topic...


Not what you're looking for?

Register now, we have a huge community of enthusiasts to answer any questions you might have



0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users