Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
i don't know. it's just how insurance companies work.
maybe you're an old sod so doesn't affect premiums that much?
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
ah, you like in switzerland. well totally different then 
|
VipeR-X
Member
Registered: 12th Feb 05
Location: Luzern, Switzerland
User status: Offline
|
It is possible that you misunderstood what I meant by my first post. I called my insurance with his number plate, they called his insurance for me and his insurance contacted him to see if this is true. He then admitted fault and his insurance paid out. What I mean by my first post is that if you have his number plate your insurance will get in contact with his to try and resolve the issure with no hassle.
If you claim off your own insurance then yes your premium will go up and will make you out of pocket a bit.
|
VipeR-X
Member
Registered: 12th Feb 05
Location: Luzern, Switzerland
User status: Offline
|
quote:
Originally posted by Ben G
ah, you like in switzerland. well totally different then
This happened while I was in the UK. 
|
sri_baby
Member
Registered: 17th Feb 08
User status: Offline
|
ive just bin in a crash on monday and the police didnt do a thing, they turned up moved the cars make sure we changed details and then fucked off i no whats happened to you is different but police dont wanna get into all the paper work
[Edited on 06-05-2010 by sri_baby]
|
VipeR-X
Member
Registered: 12th Feb 05
Location: Luzern, Switzerland
User status: Offline
|
The girlfriend had a crash in Swiss and the police there also did nothing. They just make sure you get details off each other and want that you sort it out yourself. Same as in UK.
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
quote:
Originally posted by VipeR-X
It is possible that you misunderstood what I meant by my first post. I called my insurance with his number plate, they called his insurance for me and his insurance contacted him to see if this is true. He then admitted fault and his insurance paid out. What I mean by my first post is that if you have his number plate your insurance will get in contact with his to try and resolve the issure with no hassle.
If you claim off your own insurance then yes your premium will go up and will make you out of pocket a bit.
i didn't mis-understand  i have had 3 non fault accidents. claimed off other persons insurance and my premiums still go up.
it's a farce, it really is.
[Edited on 06-05-2010 by Ben G]
|
VipeR-X
Member
Registered: 12th Feb 05
Location: Luzern, Switzerland
User status: Offline
|
Well that just seems wrong to me, premium should never be affected if you are not at fault. Also if the other party has admitted fault, really doesn't seem right. I agree that is a farse.
Seems pointless having insurance then.
|
am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
|
quote:
Originally posted by pow
quote:
Originally posted by am4nf
No they wouldnt, it doesnt effect your insurance in the slightest
Even if it's a not at fault claim it'll affect your premium
But if you had their reg you wouldnt do this
|
shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
|
Ben and Pow are right. I've had two non fault accidents and claimed for both on the other parties insurance and its was bumping my quotes up £300-400 
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
it shit, it really is.
was looking at astra vxr's, focus st's and seat leon cupra r's. before the accident it as about £850, now it's £1200 +
piss take.
|
oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
|
I belive i read someplace that you can use a mobile whilst driving if your making an emergency call and its unsafe/unpractiable to stop.
|
Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
|
Non fault claims can cause your premium to go up because you are more likely to have an accident from an insurers point of view. which would mean you could potentially cost them money so they take more from you just in case.
It is ridiculous but is the way it can go as we have to be insured legally.
would be much better if they charged the extra but refunded it if you had a clean year.
|
Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
|
I refuse to allow someone crashing into me to make my insurance go up, never had an issue with doing so
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
right now.
blue astra vxr 06 plate
£1267 with 1 accident declared (non fault)
£1093 with no accidents
would be cheaper with specialist companies.
|
Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
|
Why declare the accident though? It's not your fault, how can they justify putting your insurance up! It's utter ballshit.
I thought you were trying to be sensible with cars Ben?
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
i am, not getting a nice car just yet.
just can't drive the puma to work and back on the A13 as in 5th gear at 70mph i can't hear anything else other than the engine revving it's nuts off
it's only 10 miles from my new house to my work aswell so petrol is no big deal.
|
am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
|
quote:
Originally posted by Ben G
right now.
blue astra vxr 06 plate
£1267 with 1 accident declared (non fault)
£1093 with no accidents
would be cheaper with specialist companies.
By declaring this non fault accident it makes them think its through your insurance, like say you claimed because you came out and your car was smashed
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
it says ''at fault?'' to which i click the ''no'' option.
|
shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
|
quote:
Originally posted by Graham88
Why declare the accident though? It's not your fault, how can they justify putting your insurance up! It's utter ballshit.
I didn't declare mine either in the end. Am I fuck paying an extra £300 when I've done nothing wrong
|
wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
|
As long as you have the cunts number plate, you can ring your insurance up and they should be able to shove his reg number in there database and it will come up with which insurance company the number plate is logged to, and also the owner of the vehicle, address etc
|
am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
|
quote:
Originally posted by Ben G
it says ''at fault?'' to which i click the ''no'' option.
Non fault claim could mean you hit ice, a deer, someone hit you, your car was stolen etc etc...
[Edited on 06-05-2010 by am4nf]
|
Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
|
quote:
Originally posted by shaunmods
quote:
Originally posted by Graham88
Why declare the accident though? It's not your fault, how can they justify putting your insurance up! It's utter ballshit.
I didn't declare mine either in the end. Am I fuck paying an extra £300 when I've done nothing wrong
Exactly!
|
am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
|
When declaring a claim in my eyes you only declare it if your insurance were the ones paying out
|
Cole
Member
Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline
|
even if you dont declare the acciden onn renewels your name will flag up as having a non fault claim its what the insurance database is for i didnt even go through my insurance company when my clio was hit and i wasnt even in the car the car was parked outside my house and my neighbour reversed off his drive and then come told me my insurane wwnt up by £100 becasue if this because basically statisticaly you are more likely to have an at fault claim its all bollocks really its juts a stealth insurance tax in my eyes
|
