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16th May 2022, 19:05 | #11 | ||
Doesn't do things by halves
Rover 75 2.5 Connoisseur Auto (1999) Dealer launch model. Join Date: Mar 2007
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It's just my personal view, of course, but regarding competition ... Quote:
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Thanks for your comments Ray. Simon
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"Whatever is rightly done, however humble, is noble." Sir Henry Royce. |
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16th May 2022, 19:50 | #12 | |
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
Location: Derby.
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Quote:
Hi Ray as mentioned,the car who's insurance I was renewing today was not the car I was in when the accident occured back in January.So yes the renewal today was cotractual and needed to be done by the 24/5.So when I rang to renew today I declared the non fault accident I'd had earlier.The assistant didn't ask any details of the accident nor proof of third party liability.She just ran the quote again and told me the accident meant an additional £20.Yes I'm aware it won't break the bank but it's the principal of it costing me any extra.I have received the full payout from the other drivers insurers and also checked with my own insurer that the case is now closed.They assured me the file has now been closed. Incidently it was a nasty crash which spun me one and a half times and blocked the road in both directions,with 5 police cars attending.I finished up facing the opposite way from from which I was travelling.The police prosecuted the other party for dangerous driving.Luckily I had three lots of cast iron witnesses from cars following behind and others walking along the pavement,all of who gave statements to the police.
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Last edited by VVC-Geeza; 16th May 2022 at 19:56.. |
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17th May 2022, 08:00 | #13 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
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Thanks Mick. That confirms (for me) that it was an exercise in opportunistic premium growth and not related to your risk profile.
I would pressure them (as far as you can!) into a written explanation for the 'unusual premium revision' (if you do that, use that term) that was only imposed when you volunteered the incident details and the fact that you bear no responsibility. It's a common fallacy that having one no-fault accident makes you more likely to be a future risk. In other words, and if you were dealing with an intermediary, it is not insurance underwriting related but rather agency income. But then, I've got nothing else to do!
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17th May 2022, 11:41 | #14 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
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Something else just occurred! The accident you mention – was the car you were driving insured under your own policy number and in your name? It’s not unheard of for the other side to allege partial joint culpability or attribution of blame and to agree an internal operational division of any claim.
I would want to see written recognition of your insurer’s agreement that you bear no liability for the accident. If you got that, there is no justification for the increase other than a rate surcharge. Sometimes these things can be just a tip of an iceberg and you have no idea what is yet to loom. Bear in mind I am an awkward so-and-so and like all the t’s crossed. Not that I'm paranoiac of course.
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member no. 235 Last edited by wraymond; 17th May 2022 at 11:46.. |
17th May 2022, 13:01 | #15 | |
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
Location: Derby.
Posts: 8,758
Thanks: 2,022
Thanked 1,016 Times in 739 Posts
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Quote:
Hi Ray yes it was insured under my own policy number and in my name.I haven't had written confirmation from my insurer that I was not to blame,just a telephone acknowledgement that the file is now closed.I also received a full settlement from the other party insurer. I have also been warned to expect a higher premium for the car involved in the accident when the renewal becomes due at the end of next month.
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17th May 2022, 13:34 | #16 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
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When that comes up for renewal check the NCD allowance first (if applicable). Then, well before the due date, ask for written confirmation (if not on the new docs) that you have not been penalised for the earlier event with that event dated. In writing. Then back to the punting.
You have to work for it and it doesn't always work but well worth a try. The clerk is your friend under orders from their employer, so perpetual niceness is the only way rather than frustration! Most of us just pay up with a moan. I'd sooner spend the difference on a nice bottle of wine. Not while driving. Obvs.
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