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owl10 |
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owl10 Could Be A Chat Bot
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M.C |
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M.C Super Spammer
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Polarbear |
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Polarbear Super Spammer
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Wafer_Thin_Ham |
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Wafer_Thin_Ham Super Spammer
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Posted: 14:14 - 05 Jan 2019 Post subject: |
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I wouldn't bother claiming. You'll pay more than £150 in extra insurance costs over the following 5 years where you have to declare it. ____________________ My Flickr |
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bugeye_bob |
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bugeye_bob World Chat Champion
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Copycat73 |
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Copycat73 World Chat Champion
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owl10 |
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owl10 Could Be A Chat Bot
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Polarbear |
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Polarbear Super Spammer
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 17:56 - 05 Jan 2019 Post subject: |
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owl10 wrote: | It would seem that not many of my car (vw CC) came with powerfold mirrors as there arent any on the bay.
Called VW for a laugh to see how much they'd ask for a single powerfold mirror: £659 !
Non powerfolding version (second hand) in correct colour sourced for £132.
Its really bloody annoying though.
Transcend Drive Pro 200 wouldnt pick up the reg (unlit road)
TBH even if it could, on a narrow ish road with no centre markings and despite the other vehicle being clearly in the middle of the road and leaving no space eve if it did the ins co would only end up 50 50.
Of course id always inform the vultures....
But not needed here in this hypothetical example !! |
Are they unique to the CC? Also often the 'colour' is just a bit of plastic on top. |
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 18:12 - 05 Jan 2019 Post subject: |
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Protected No Claims Bonus means very little. Any sniff of a claim and they'll still hike your policy even if you still have the NCB.
I had a Nepalese family try it on and pretended I reversed into their car in a layby. It was a clear scam and there was nobody in the car, no contact and no damage to either vehicle that could have been caused by contact between the rear of mine and the front of theirs. There were apparently 3 whiplash claims being pursued though, through Nepalese solicitor. Even though Admiral agreed and were fighting the case, my insurance trebled from £200 to £600 at renewal, even with the protected NCB. At this point the claim was still ongoing and we were still refusing liability.
The scammers gave up in the end after engineer reports showed no damage to my car and the alleged damage to their car (which I photographed with a measuring stick, then photographed the stick by my car at the scene to compare heights of bumper and their bonnet lip), would have been impossible due to the height of the dent.
The point is, whether you have protected NCB or not, any sniff of an ongoing or completed claim which can't be pinned on someone else's insurance and they'll shaft you. ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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Copycat73 |
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Copycat73 World Chat Champion
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t121anf |
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t121anf World Chat Champion
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owl10 |
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owl10 Could Be A Chat Bot
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iooi |
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iooi Super Spammer
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Polarbear |
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Polarbear Super Spammer
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M.C |
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M.C Super Spammer
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Feasty |
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Feasty World Chat Champion
Joined: 01 Nov 2006 Karma :
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Posted: 11:26 - 07 Jan 2019 Post subject: |
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My wife slid into a parked car (with the driver in it) in the snow a year or 2 ago. Only snagged his wing mirror and it was on an old Honda.
At the time the guy was happy for my wife to pay directly for the damage outside of insurance - save either of us a hike.
So we waited for him to check out prices and see how much it cost, he then came back with a dealership price - something stupid like £350.
I don't know if he was trying to con us and get more cash, but it just wasn't worth paying out that much as our excess was quite small - so we went through insurance. Means hikes all round but hey, can't help some people! ____________________ Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed). |
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Polarbear |
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Polarbear Super Spammer
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rpsmith79 |
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rpsmith79 World Chat Champion
Joined: 31 Jan 2017 Karma :
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Posted: 12:46 - 07 Jan 2019 Post subject: |
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To be fair, i had a non fault claim on my car a few years back (dozy woman pulled out into the side of me)
The only damage to my car was a replacement alloy wheel and wheel arch trim, plus hire car for about 10 days
Whenever i'm asked to delcare it, i am always asked to put the cost of the claim, to which i have absolute,y no idea as i was never told to total cost (including hire car), so i just stick down £500 (seems reasonable for an alloy wheel and trim, and my insurance hasn't increased by any discernible amount in the past 4 years of declaring it, other than the usual rises expected in these days of customer loyalty
Seriously though, shopping around i generally find each years renewal at a very similar price, so no, a sub £500 claim should not cause any massive hikes in the next 5 years premiums
Best thing, is stick some fake details into go-compare, and do a quote with and without a claim, see how much of a difference it makes ____________________ Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R |
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M.C |
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M.C Super Spammer
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rpsmith79 |
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rpsmith79 World Chat Champion
Joined: 31 Jan 2017 Karma :
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Posted: 13:51 - 07 Jan 2019 Post subject: |
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M.C wrote: |
Careful with that, I'm willing to bet £500 wouldn't even cover the hire car, so you might be misdeclaring and giving them grounds to reject a claim in future.
I believe the claim amount is also meant to include damage to the other party, I've no idea how you're meant to know that, I just declare what my letters say for the total claim (everything my side). |
But as i said, i was never told to total amount, has anyone ever in the history of insurance claims, been told to total amount of their claim
I'm also pretty sure that they check your claims history out when taking out a policy anyway as due diligence, the amount you enter is only there for the insurance bots to calculate your yearly premium, and it has never affected my premiums thus far ____________________ Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R |
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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dodsi |
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dodsi Dirty Carny
Joined: 06 Aug 2004 Karma :
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M.C |
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M.C Super Spammer
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Posted: 14:14 - 07 Jan 2019 Post subject: |
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rpsmith79 wrote: | M.C wrote: |
Careful with that, I'm willing to bet £500 wouldn't even cover the hire car, so you might be misdeclaring and giving them grounds to reject a claim in future.
I believe the claim amount is also meant to include damage to the other party, I've no idea how you're meant to know that, I just declare what my letters say for the total claim (everything my side). |
But as i said, i was never told to total amount, has anyone ever in the history of insurance claims, been told to total amount of their claim
I'm also pretty sure that they check your claims history out when taking out a policy anyway as due diligence, the amount you enter is only there for the insurance bots to calculate your yearly premium, and it has never affected my premiums thus far |
That's what I said, in terms of knowing the damage to both parties, but in terms of my side I know the value as I had to accept the offer.
I think Polarbear's daughter () had her insurance cancelled because she incorrectly declared the year of an accident. It seems they're becoming more vigilant. |
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Polarbear |
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Polarbear Super Spammer
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Old Thread Alert!
The last post was made 5 years, 109 days ago. Instead of replying here, would creating a new thread be more useful? |
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