mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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Car insurance due tomorrow...Had decided to go with Elephant good price and terms all mods declared...
Just been on the phone to them and THEY WILL NOT INSURE US due to the pending injury claims against the DRUNK DRIVER that hit us head on 18 months ago..
SO a drunk driver hits us head on, we never claimed out of our insurance...Direct line his insurance company paid out for car and a nominal injuries to me and my son..
Wifes claim is still pending..
It's fucking shocking that we are getting hammered and refused insurance due to a FUCKING DRUNK DRIVER HITTING US HEAD on...
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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Thats not on at all!
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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tell me about it, i am fuming...want to hit something
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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I feel for you Mav but I understand why they would refuse as its still pending
I know its not right
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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Plus it goes back to what I have always posted
Regardless of fault a claim is a claim now on your insurance
Granted you will not get penalised as much as it wasn't your fault but it will still go against
feel for you mav
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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aye I know where you are coming from...The underwriters checked etc and they know about the claim.
Getting punished though for doing nothing wrong...
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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quote:
Originally posted by whitter45
Plus it goes back to what I have always posted
Regardless of fault a claim is a claim now on your insurance
Granted you will not get penalised as much as it wasn't your fault but it will still go against
feel for you mav
I've always thought that aswell. They say if you are not at fault that your insurance wont be affected but in that case why do they want to know if you have had any claims regardless of fault.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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I Know mav its not right
Its because idiots claim for the slightest injury so insurance have had to take action
I hit someone at less than 5 miles an hour and they claimed for everything personal injury wise the cunts
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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I thought you meant just turned down then! I never knew till recently either that even when not at fault you lose your NCB, hence the name!
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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So now when i go to get other quotes and tell them are they all going to turn us down????
Do I keep it to myself and hope they do not find out?
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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you don't lose your NCB its just on record you were invloved in an accident thus a higher than someone who hasn't whether its your fault or not
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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I'd tell them!
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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quote:
Originally posted by whitter45
you don't lose your NCB its just on record you were invloved in an accident thus a higher than someone who hasn't whether its your fault or not
No Claims Bonus - Claiming regardless of fualt you have claimed.
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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Going to have to search about now due tomorrow.....
Aye you don't lose your no claims if you are not at fault....
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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No mav some insurance compnies will not be bothered by the pending claim buit I know from experience elephant are crictical about this stuff hence why they are cheaper as they do not risk
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Was in the Motoring press recently saying people think you don't when actually you do??? 
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Same happened to me when someone hit me up the ass in my corsa, chief 
They wouldn't insure me because I had an outstanding claim against the other driver. Daft to say the least
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Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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quote:
Originally posted by mav
tell me about it, i am fuming...want to hit something
go to the zoo and hit an elephant!
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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going to have to start getting quotes again..
anybody know of companies that you can list mods with on the net?
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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This happened to a guy i know, He has a disabled son who needs a frame to help him walk, and his cunt of a neighbour decided to try and claim that he had run his poeple carrier into his car when it was parked up. He had to pay about 400 quid for to renew his insurance because of the pending claim even though it was just a malicious neighbour being a dick.
Try Brentacre Mav, they are sound to talk to, know what they are on about, so you will be able to explain the situation before doing a quote so it won't be a waste of time.
[Edited on 07-02-2007 by Carl]
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John
Member
Registered: 30th Jun 03
User status: Offline
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If you don't claim your insurance you can't lose your ncb.
If the other guys insurance is covering it I wouldn't even tell my own.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Thats really shit
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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quote:
Originally posted by John
If you don't claim your insurance you can't lose your ncb.
Obviously!
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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I am going to renew with Adrian Flux, can't be arsed..Theres is a really good price too so just going to stay with them...
Some other pllaces were not bothered about no fault pending claims etc....But none else could beat Flux's price..
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corsacant
Member
Registered: 12th Nov 04
Location: Hull
User status: Offline
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Try www.ecarinsurance.co.uk Mav, you can fill in all the details of your mods online and it calculates for them. It's by far the cheapest company I have found, I'm currently with Adrian Flux and the only reason I haven't changed is because they offered to match the price I got off ecarinsurance.
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