Jump to content
Do Not Sell My Personal Information


Well That Was Expensive...


MartynS
 Share

Recommended Posts

As some of you may remember, back in October someone decided it would be a good idea to not look where they're going and drive into the back of me. I was due to collect my ST less than a month after that, and it turned out that my then insurer wouldn't cover me on an ST so I had to go elsewhere once I got the car. Because the claim hadn't been settled at the time it was recorded on the shared database thing as a fault claim.

Doing quotes online, the difference in cost for the same insurer between declaring the accident as fault and non fault (just so I knew how much extra I would have to Shell out temporarily) was about £180! Add to that the difference of about £50 between a non fault accident and none at all, which I of course won't get back, made it quite expensive.

Anyway, I finally got a letter yesterday saying it had been settled at last (only taken 4 and a half months) so I called my new insurers today to inform them and claim the refund. It turns out I'm not entitled to anything like £180, the refund is only £45! I didn't twig at the time I took it out, but because it was with a broker the two different quotes were provided by different insurance companies and I obviously can't change mid way through (unless I pay them some money and start a new 12 month policy from today).

In short, someone driving into me has cost me around £185 this year. And the fact you have to declare it for 5 years means it's going to cost me more another 4 times. Assuming £50 a year, maybe a total of £385? Joy.

Link to comment
Share on other sites

As some of you may remember, back in October someone decided it would be a good idea to not look where they're going and drive into the back of me. I was due to collect my ST less than a month after that, and it turned out that my then insurer wouldn't cover me on an ST so I had to go elsewhere once I got the car. Because the claim hadn't been settled at the time it was recorded on the shared database thing as a fault claim.

Doing quotes online, the difference in cost for the same insurer between declaring the accident as fault and non fault (just so I knew how much extra I would have to shell out temporarily) was about £180! Add to that the difference of about £50 between a non fault accident and none at all, which I of course won't get back, made it quite expensive.

Anyway, I finally got a letter yesterday saying it had been settled at last (only taken 4 and a half months) so I called my new insurers today to inform them and claim the refund. It turns out I'm not entitled to anything like £180, the refund is only £45! I didn't twig at the time I took it out, but because it was with a broker the two different quotes were provided by different insurance companies and I obviously can't change mid way through (unless I pay them some money and start a new 12 month policy from today).

In short, someone driving into me has cost me around £185 this year. And the fact you have to declare it for 5 years means it's going to cost me more another 4 times. Assuming £50 a year, maybe a total of £385? Joy.

Hi,

When your policy's due for renewal please feel free to give us a try.

Regards,

Dan.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

×
×
  • Create New...

Forums


News


Membership