Insurance MuthaFkers - advice please

Straker · Renault 5 Driver Joined: 08 Oct 2009 Karma :

Hmmm...

I didn't declare a claim against me from recent car driving history. Insurance now want to add additional premium for this. Fair enough I guess, was a genuine oversight on my part, I will pay up. This being the case then why do they not take into account my six year NCB on the car (had NCB protection).

Ok, so I'll find another policy becasue I feel that I am paying far too much now. How much will they refund if I cancel this policy? From an annual premium of over £400 I will only receive £100 back!!! I only took this out in November. Deductions for cancellation fees and other utter b*llshit charges.

I guess life isn't fair but this just seems too much of a rip-off.

All words of comfort appreciated.
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Current: CBR 900 RR3 (954 Blade)
Previous: CBR 600 FY (01),
09 Triumph Street Triple R (nicked), R6 (04), CBR 600 FX (00), GPZ 305 (lol)

Blau Zedong · Banned Joined: 26 Jun 2006 Karma :

You want to count yourself lucky you didn't have your insurance cancelled.

If that had been the case you could of forgot insuring anything bigger than a TS50 for the next few years.

Pay the extra, suck it up and shop around when the policy comes up for renewal.
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Raffles · World Chat Champion Joined: 14 Apr 2009 Karma :

^^^^^^^^^
What he said.
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A good loser will always be a loser.

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Is your car still insured? If so, you couldn't 'use' it anyway.

You will find some companies will actually take account of other no claims bonus.

It's up to you to choose the ones that have the conditions you like - nobody forced you to buy insurance from this company, you chose to.

Questionable cancalation fees are the norm for the industry - but it's also quite possible that they may reflect reality - that it costs them pretty much the same to insure a car for 9 months as 12 months.

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Straker · Renault 5 Driver Joined: 08 Oct 2009 Karma :

Yep fair points all round thanks all.

G - correct, no one forced me to take out this policy, just a general rant really on the inequity of insurance policies in this day and age. Thanks anyway.
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Current: CBR 900 RR3 (954 Blade)
Previous: CBR 600 FY (01),
09 Triumph Street Triple R (nicked), R6 (04), CBR 600 FX (00), GPZ 305 (lol)

Dean-J · Crazy Courier Joined: 30 Oct 2011 Karma :

Feel your pain mate. AS said, at least they didnt cancel your policy, because believe me, that screw you.

You think your insurance is over inflated? Try being 25, 9 points of which 3 were serious, Had insurance cancelled previously, and a criminal record to boot. Now that is not fun.....

But fuck it, you make your mistakes, learn your lessons and pay the price!

fray · Borekit Bruiser Joined: 16 Apr 2011 Karma :

How did they find out about the history you forgot to tell them about mate?
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Bikes - 2001 Yamaha R6, 2011 KTM 250 EXC and 2007 Honda CRF 250

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Straker · Renault 5 Driver Joined: 08 Oct 2009 Karma :

Yep, was recorded on a database somewhere.

I genuinely assumed I did not need to declare as the manner in which the question was posed in the online form. It asked about claims against the 'rider' which led me to assume that car related claims were not required. Wishful thinking as ever.
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Current: CBR 900 RR3 (954 Blade)
Previous: CBR 600 FY (01),
09 Triumph Street Triple R (nicked), R6 (04), CBR 600 FX (00), GPZ 305 (lol)

J.M. · World Chat Champion Joined: 27 Mar 2011 Karma :

Peterthepillo... · Borekit Bruiser Joined: 15 Jan 2010 Karma :

Interestingly you don't have to declare motorcycle claims for car insurance (Admiral at least) but not the other way around. I got nailed for a total loss car claim (no fault) which came up on the data base after I made a motorcycle claim. As for NCB it's pretty hopless. The guiding principle has to be 'what's the worst outcome for me and the best for them?'
I can understand their stance as to be honest, everyone has been ripping off the insurers whenever they can for at least the last decade when no win no fee came in. They are just giving some back and who can bame them.
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dextersaurus · World Chat Champion Joined: 25 Mar 2009 Karma :

I had exactly the same thing, but it was with a non-fault accident.

@ peterthepillock, i never told my car insurance about my non-fault claim, and they - Bradford & Bingley (cunts) upped my premium by £500, which i then promptly cancelled, and they then charged me a £500 cancellation fee.

Needless to say i'm a lot more careful now when it comes to car insurance...

never had a problem with bike insurance thankfully.

Dunc

st3v3 · Super Spammer Joined: 16 Oct 2006 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Urgh. Go back to their web site, start a new quote, and read (and take copies of) exactly what it says regarding claims, accidents or losses, including on any pop-ups.

Then if there's any wiggle room, get on to their complaints department, state that the contract is based on their choice of wording, that their ambiguity shall be decided in your favour (it's their job to get this right) and that you look forward to having the Financial Ombudsman Service explain this to them.
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