How rubbish is this (non fault acc)

[phaserno1 0]

My insurance is up for expiring, now I’ve been phoning around to my surprise it had gone up coz of the two Muppets that have reversed into my in the last month!!!! NON FAULT what is all this about I thought non fault ment that it doesn’t affect you ins???? Dose it???? News to me…..

As you can guess im not to impressed with this as it makes a difference of aprox £150 for something that I had no choice over, I guess I could not declare them but not to sure on how I will stand then????…

Any got any comments……..

 

phil

:D

 

Welcome to the world of rip off's :mad: :mad: :evil:

[andycowuk 0]

what do the general insurance standards council...or what ever its called.... do?

 

Can they help you?

[phaserno1 0]

havent heard of them befor.....

[Matt GTi 0]

The insurance ombudsman (I think that is how it's spelt) may be able to help. 0845 080 1800.

[andycowuk 0]

they are the ombudsman for insurance.....like if birittish gas or powergen or something fucked you about with your leccy or gas bills, then ofgem would sort em out quick style if u complain to them......so there will be an equivalent for the insurance companies.

 

I am sure it is gisc....i will check!

 

aye..... look here...... http://www.gisc.co.uk/Home/default.asp

 

not read any of it...but it says right at the top....

 

General Insurance Standards Council

The UK watchdog established to set, monitor and enforce standards in all areas of general insurance, including the fair treatment of customers.

 

let us know if thet do help, or if they are just for show!

[phaserno1 0]

Just rang them and they said most do penalise you for a non fault accident!!!!, good one mr ins companies

:evil:

[andycowuk 0]

and they are happy with that?....hmm.... i had a feeling they were a useless bunch.

[joebloggsVR69 0]

Stuff like this really does my head in...

 

Whats the point in insurers saying they give a protected/guaranteed no claims bonus (never understood the difference between the two..) but then penalising you if you have to make a *NON-FAULT* claim?!??!

 

At the end of the day, it's the other guy's insurers that pay out, so why the hell do they have to screw us?? :mad: :roll:

 

Does anyone on the forum work for the insurance industry and could they explain any of this?

[Henny 0]

actually, it's YOUR insurance company that pays for the repairs to your car no matter who is at fault... That's why it's all screwed up and you end up getting penalised for something that was nothing to do with you... :| :mad:

[dr_mat 0]

But you didn't lose any no-claims, did you?

 

From their view-point, if you have been *involved* in an accident, even if it's not your fault, you are more likely to cost them time and money in the future (you already cost them time dealing with the admin for that claim, although it wasn't your fault). Statistically this also puts you into a bracket where you are more likely to have accidents in the future (some people drive in such a way as to attract other people's cars - not saying you do, but ..).

 

I'm not saying it's right or fair, but I can see how they justify it.

 

They increase the basic premium for anyone who was involved in an accident, then they apply their %age no claims discount and you pay the result.

[tonytiger 0]

I don't work in the insurance industry but my understanding is that while you NCD is unaffected the original inurance quote may be. So you might keep you 60% discount (or whatever) but the premium before that is applied might well go up (possibly significantly). Another factor in this is whether your insurance company recovered all the costs from the third party - basically if they're left out of pocket, you'll probably be penalised (though probably just depends which company you're with). It's just a case of shopping around - some companies are bothered about no-faults, while others are.

It's difficult having to renew your policy if you've had a recent claim which isn't fully settled (which I guess yours may not be) as most companies are unlikely accept a claim as no-fault until it's closed.

 

And, I can confirm from experience (in this case relating to a household policy) that the insurance ombudsman is absolutely useless - has no power/authority over the insurance whatsoever.

 

I'd also consider suing the 3rd parties even if you weren't injured as you may be able to claim compensation for incidental expenses, time off work, etc.

[kvwloon 0]

I had the same type of issue when I had a 'no fault' accident. Legally I was exonerated, but because my insurers couldn't get any money back from the person at fault, they automatically considered it as against me! Nice! That's why I laugh so much when I see those crappy NUD 'quote me happy' adverts or the other one that rips off Charlies Angels. Pathetic bunch the lot of them! I appreciate they are in busines to make money, but they could at least play fair.......Grrrrrr!

[andycowuk 0]

ombudsman is absolutely useless

 

great! :mad:, I work for brittish gas part time, and I know what ofgem can get up to.....they are the cheifs....and there is nowt bg or any other supply can do to argue with em....i had kind of hoped maybe the GISC were the same....but as they have "members" is suspect that infact the effect ould be concieved as the opposite......with the majority of companies now monopolising the industry (contradiction in terms I know...but the only way i can think to put it.)

 

I'd also consider suing the 3rd parties even if you weren't injured as you may be able to claim compensation for incidental expenses, time off work, etc.

 

to cover future insurance increases, would surely be a vaild claim given the above??

[phaserno1 0]

dr mat - "But you didn't lose any no-claims, did you? " no i dident, as you said it is the "involved" thing that they look at... so much for it going down when i turned 25 this year ummmm.

[tonytiger 0]

I too expected my premiums to fall when I turned 25 (and subsequently 30) but in my experience that doesn't happen, instead it just stops them going up. Though it probably doesn't help that it's fully comp with no limit on the mileage (I think the cheapest quotes usually have mileage restricted to 8000 miles or less).

[G60Jet 1]

When they ask you Any Claim or convictions, Answer I have x mount of no claims Do not answer the question in detail or no claims against me, they have it all on record anyway. there is a national database related to you and they can see the details everytime you apply for a quote

[seanoVR 0]

When they ask you Any Claim or convictions, Answer I have x mount of no claims Do not answer the question in detail or no claims against me, they have it all on record anyway. there is a national database related to you and they can see the details everytime you apply for a quote

I donit think that is true. Previous claims are only available to them by getting in touch with the previous insurers. They would only begin to really check your history if you were involved in a claim with them. Speeding offences are much easier to detect, due to them being stuck on your licence.

[dr_mat 0]

I really wouldn't recommend being economical with the truth in situations like this...

You're right, they do have a central claims record, but if you're talking to a new company to obtain a quote it's illegal to lie, either deliberately, or by omission of relevant facts. The company has to give you a quote based on the information you provide, and they must honour that quote, so if you don't provide all the information they simply won't pay out if you have to claim.

Which is not what you want!

(They can also take you to court for making a fraudulent claim.)