Jamie-C
Member
Registered: 3rd Jun 08
Location: Ballycastle
User status: Offline
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I can only dream of getting a quote of £1023, I say count yourself lucky 
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chloe16v
Member
Registered: 29th Nov 07
Location: Rotherham
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by chloe16v
im a named driver on our van and the quote went up £200 by adding a NONE fault accident to it  fucking stupid!
when its non fault did you actually claim through your policy or from a third parties policy? i see this a lot, people putting non fault claims on their policy when they dont have to, a non fault claim would be like if you went out to your car in the morning to find it smashed up from a hit and run and had to claim for the repairs. not you fault but you claimed on your own policy
i was in a head on collision, i dealt with my own insurance company but all costs were paid from the other guys insurance
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0775kieran
Member
Registered: 28th Apr 10
Location: Bolton, Greater Manchester
User status: Offline
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Say your married, your a part time photographer, and have kids.
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chloe16v
Member
Registered: 29th Nov 07
Location: Rotherham
User status: Offline
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cheaper for me to say i havent got kids
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0775kieran
Member
Registered: 28th Apr 10
Location: Bolton, Greater Manchester
User status: Offline
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It depends, works for some people you just have to play around with it abit.
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Matty SRi
Member
Registered: 3rd Dec 08
Location: Stockton-on-Tees Drives: Mk3 Golf GTi
User status: Offline
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And they wonder why there is so many people driving uninsured!
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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quote:
Originally posted by LeeM
quote:
a non fault claim would be like if you went out to your car in the morning to find it smashed up from a hit and run and had to claim for the repairs. not you fault but you claimed on your own policy
It is my understanding that the example you give above is for a fault claim! Yes it may not have been your fault, but as you have claimed and the costs can't be subrogated to another insurer it goes down as fault.
[Edited on 01-09-2011 by Pop]
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AlexW
Member
Registered: 25th Oct 08
Location: Essex
User status: Offline
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quote:
Originally posted by Mike B
Being 50 with 30 years no claims and driving a Fiat Cinquecento wouldn't make it a grand cheaper either
I bet it would My mother pays £189 for insurance!
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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My postcode is a Slough SL postcode. This makes my insurance stupidly high.
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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astra cdti probably the most crashed car on the road at the moment, everyone seems to have one
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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quote:
Originally posted by chloe16v
im a named driver on our van and the quote went up £200 by adding a NONE fault accident to it fucking stupid!
Same with mine; car was parked on my ex's drive which is adjacent but not directly opposite a T junction. Some one came down in the snow, locked up, went over the kerb, over the road, up the kerb on the other side, over the pavement, down the drive and into the back of my car. I was in bed, asleep and no blame could ever be attributed to me in those circumstances but mine went up to.
He admitted liability, my insurance company was included. My insurance has gone up by 100% this year from approx £400 to £800 - penalising someone in the above circumstances is ridiculous!! 
To make matters worse, I added my new missus to my car at a cost of £11.38 for the 10months remaining, She added me to hers for £35 for 2 months. Granted there may be a discrepancy with admin fees but still its ridiculous!!!
[Edited on 01-09-2011 by LiVe LeE]
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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I like turtles
[Edited on 08-01-2013 by 3CorsaMeal]
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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I have a non fault accident where I was stationary and some cunt crashed into me. Mine has gone up drasktcaly since then, want to sue the little prick.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Pop
quote:
Originally posted by LeeM
quote:
a non fault claim would be like if you went out to your car in the morning to find it smashed up from a hit and run and had to claim for the repairs. not you fault but you claimed on your own policy
It is my understanding that the example you give above is for a fault claim! Yes it may not have been your fault, but as you have claimed and the costs can't be subrogated to another insurer it goes down as fault.
[Edited on 01-09-2011 by Pop]
no its non fault, because its not your fault. its not a trick question.
the only claims you have to declare are ones where your insurer has paid you out and not recovered in full from someone else.
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by Pop
quote:
Originally posted by LeeM
quote:
a non fault claim would be like if you went out to your car in the morning to find it smashed up from a hit and run and had to claim for the repairs. not you fault but you claimed on your own policy
It is my understanding that the example you give above is for a fault claim! Yes it may not have been your fault, but as you have claimed and the costs can't be subrogated to another insurer it goes down as fault.
[Edited on 01-09-2011 by Pop]
no its non fault, because its not your fault. its not a trick question.
the only claims you have to declare are ones where your insurer has paid you out and not recovered in full from someone else.
Are you sure about that? Insurers ask ' Have you had an accident in the past 3 years whether at fault or not?'
They don't ask 'Have you had an accident in the last 3 years where all of the costs were not recovered from the 3rd parties insurer?'. 
Also, you contradict yourself, in the example you give of a hit and run, all of the costs would have to be paid out by your own insurer dispite you not being at fault and would therefore have to be declared on your policy.
[Edited on 01-09-2011 by A2H GO]
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Jesus I insure both cars FC for less than that
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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My insurance has always gone down every year? Maybe its something to do with location?
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daymoon
Premium Member
Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
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Location seems to be playing a massive role in premiums atm.. Try insuring car at parents address or a friends?
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Astra sri was more to insurethan a 225 tt by a big amount
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Add your mum as a named driver. Usually knocks £300+ off mine.
[Edited on 01-09-2011 by James]
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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quote:
Originally posted by DaveyLC
My insurance has always gone down every year? Maybe its something to do with location?
Mine went up this year 
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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I also think they are concentrating more on the statistical odds of a particular age group claiming on a particular car regardless of the insurance grouping.. For example it was almost twice as much for my missus to be insured on a 1.2 Punto than a 1.8 Astra bertone soft-top?
[Edited on 01-09-2011 by DaveyLC]
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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i laughed when i changed from a corsa 1.4 to a corrado 2.9
also, the escort costs more to insure than my corrado 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Escort = chavs car
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s4k1b
Member
Registered: 11th Nov 02
Location: West Yorkshire
User status: Offline
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try changing your annual mileage to 9,999 miles instead of 10,000
it might take it down a notch to the previous mileage band
[Edited on 01-09-2011 by s4k1b]
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