|
|
Post by Hoovie on Dec 14, 2019 10:20:39 GMT
I do indeed do the former!
Cheapest quote I can find from a company I have heard of, only ever claimed once in 40 years, when they broke into the car & snapped the steering wheel off trying to steal it. Sorry but it's legalised theft, they all work together to screw the customer over, the prices quoted at bodyshop's is ridiculous, take a car to get a quote then after they give it to you, say that's too high I can't afford it, it's not an isurance job you know, see how much it comes down
cheapest you can find? how can you then claim against your insurance for any work as the cheapest quotes are for Road Traffic Act (think that is the term) only and won't cover repairs to your vehicle or even the classic "TPFT" party. Sorry, but you are talking rubbish unless you are saying you have insurance cover on your vehicles that includes NO cover for any damage repairs to your vehicle and you have the maximum possible excess applied to save money. Otherwise you are falling for the scam/theft cartel you complain about so much. |
|
|
|
Post by firemac on Dec 14, 2019 11:30:25 GMT
I have to say that I was very surprised recently at the settlement offered to my daughter when she wrote off her Aygo. Churchill offered nearly £1k over book the day after the assessor inspected the car. Bearing in mind that she didn't look after it that well and had an aversion to keeping it tidy in any way, there was no way it could be described as even middle book!
However she discovered the downside of reducing the premium by upping her excess when the settlement was reduced by her £850 excess. Needless to say she is more careful about balancing the excess with the premium now. :yes:
|
|
|
|
Post by Hoovie on Dec 14, 2019 15:03:20 GMT
I have to say that I was very surprised recently at the settlement offered to my daughter when she wrote off her Aygo. Churchill offered nearly £1k over book the day after the assessor inspected the car. Bearing in mind that she didn't look after it that well and had an aversion to keeping it tidy in any way, there was no way it could be described as even middle book! However she discovered the downside of reducing the premium by upping her excess when the settlement was reduced by her £850 excess. Needless to say she is more careful about balancing the excess with the premium now. :yes: My OH wrote off her old Peugeot 306 back in the winter of 2010/11. Assessor looked at it and because it had just had some brake work done a week or so before costing a few hundred quid, he factored that into the value and assessed it at the same price paid for the car a year earlier. Also let me take off the nice Alloy Wheels and good tyres and put on some fairly knackered alloys and barely legal tyres before the car got taken away. Oh, you can take out an excess insurance policy now  It does depend of the driver to if it is worth it but a high excess and then an excess cover policy can save money overall (usually the younger the driver the more worth it it becomes). The last claim I made was on my 2011 RAV4 - the 'scamming' main insurer made a reasonable first offer which I asked them to increase by (IIRC) £160 which they did. The 'scamming' GAP provider then topped up that by around £5,000 so I got what I paid for the car minus around £300 for the roof rails (as they were added and not on the invoice as part of the car). the 'scam' GAP policy also had a clause that paid upto £300 of any excess of the main insurance so I didn't have any excess to cover either. Main policy paid out within a fortnight. GAP paid out around a week later. I got a new car and took out GAP again, I changed my car around 6 months later and took out GAP again. Insurance company called me to check if it was a second car or a replacement. When I told them a replacement, they said I could have just transferred it and they refunded me the difference totally unpromoted. Yup, just can't trust these scamming insurers with their shady dealing can you?  |
|
|
|
Post by phaeton on Dec 14, 2019 16:55:49 GMT
cheapest you can find? how can you then claim against your insurance for any work as the cheapest quotes are for Road Traffic Act (think that is the term) only and won't cover repairs to your vehicle or even the classic "TPFT" party. Sorry, but you are talking rubbish unless you are saying you have insurance cover on your vehicles that includes NO cover for any damage repairs to your vehicle and you have the maximum possible excess applied to save money. Otherwise you are falling for the scam/theft cartel you complain about so much.
I clearly have hit a nerve here Hoovie that you don't like, you believe in insurance I don't, i believe it is a con, you don't, C'est la vie
As far as I am aware there are no insurers offering the basic form of insurance that is legally required (I could well be wrong), it is restricted to large companies who lodge an amount with the treasury, it just to be £500K but may have increased since, BT, waterboards, gas etc. used to do it & probably still do.
I used to only insure all my cars 3PFT but it's now seems to be more expensive than Fully Comprehensive, no idea of the logic of that. If it were cheaper then I would choose it, because I cannot see a situation where if any of the cars were involved in an my fault accident that I would claim for repairs. I would either do the work myself or I would scrap the car myself. You have to consider the type of vehicle I am running, 12 year old Rav4 with 128K on the clock, 9 year old Volvo C30 with 40K on the clock, kitcar unique build, BMW R1200GS, not one of them worth over £3K
So for clarification before you call me a liar again, I choose the cheapest known insurer on one of the price comparison site, I increase the excess to what I believe to be an acceptable amount to make the most impact on the premium, if moving it from £500 to £1000 is only £5 then I may pay the extra £5 but if moving from £500 to £1000 saves me £25 I wouldn't choose the lower amount. I don't protect the no claims because they will put the premium up anyway after a claim, I do ensure I have windscreen cover, no legal, no courtesy car, no breakdown, no hotel
The whole industry is corrupt even the worthless Whitehall mob agree it is, but they haven't the balls to take the finance houses on to sort it out.
|
|
|
|
Post by davrav on Dec 14, 2019 18:58:38 GMT
cheapest you can find? how can you then claim against your insurance for any work as the cheapest quotes are for Road Traffic Act (think that is the term) only and won't cover repairs to your vehicle or even the classic "TPFT" party. Sorry, but you are talking rubbish unless you are saying you have insurance cover on your vehicles that includes NO cover for any damage repairs to your vehicle and you have the maximum possible excess applied to save money. Otherwise you are falling for the scam/theft cartel you complain about so much.
I clearly have hit a nerve here Hoovie that you don't like, you believe in insurance I don't, i believe it is a con, you don't, C'est la vie
As far as I am aware there are no insurers offering the basic form of insurance that is legally required (I could well be wrong), it is restricted to large companies who lodge an amount with the treasury, it just to be £500K but may have increased since, BT, waterboards, gas etc. used to do it & probably still do.
I used to only insure all my cars 3PFT but it's now seems to be more expensive than Fully Comprehensive, no idea of the logic of that. If it were cheaper then I would choose it, because I cannot see a situation where if any of the cars were involved in an my fault accident that I would claim for repairs. I would either do the work myself or I would scrap the car myself. You have to consider the type of vehicle I am running, 12 year old Rav4 with 128K on the clock, 9 year old Volvo C30 with 40K on the clock, kitcar unique build, BMW R1200GS, not one of them worth over £3K
So for clarification before you call me a liar again, I choose the cheapest known insurer on one of the price comparison site, I increase the excess to what I believe to be an acceptable amount to make the most impact on the premium, if moving it from £500 to £1000 is only £5 then I may pay the extra £5 but if moving from £500 to £1000 saves me £25 I wouldn't choose the lower amount. I don't protect the no claims because they will put the premium up anyway after a claim, I do ensure I have windscreen cover, no legal, no courtesy car, no breakdown, no hotel
The whole industry is corrupt even the worthless Whitehall mob agree it is, but they haven't the balls to take the finance houses on to sort it out.
|
|
|
|
Post by davrav on Dec 14, 2019 19:01:14 GMT
And there's the rub. Low value vehicles do not merit expensive insurance. However, if I have just shelled out a sizable wedge on a new[ish] or rare car and it was written off/stolen etc I would want to be sure of getting most of my money back.
|
|
|
|
Post by Hoovie on Dec 14, 2019 19:04:45 GMT
I didn't call you a liar to start with, let alone about to call you one again, I just said you are talking rubbish (and THAT is the nerve touched) unless you had the absolute minimium insurance possible and you have indicated you have.
And even though you have done so as you say, I still think what you have said as a general sweeping statement is total nonsense, but each to their own (good to know that Windscreen cover is not a scam though. thanks for clarifyng that bit)
Good for you though, fingers crossed you never need to make a claim (doesn't matter how wonderful any driver is, they can still face a loss due to something outsid their control).
|
|
|
|
Post by charliefarlie on Dec 14, 2019 19:27:58 GMT
The way I see it is somewhere in the middle.....
Insurance in the main is set up so you don’t claim and if you do you will,pay it back ....
Once again I refer to my IQ ...... It runs on fumes you know not sure if I ever mentioned that......Imhit a deer which took out quite a bit of the front. I decided to repair myself cos if I had claimed it would have increased the cost of all 5 vehicles we have. Not just the one but all,of them.... So the insurance would have had me royally so therefore conning sods.
In the past when in business we suffered a few losses. Never had a problem and was able to negotiate sensible settlements every time. So the insurance was a blessing.
As we must insure then surely it’s prudent to check out your insurers and pay for the company that is well reputed and feel comfortable... Taking the cheapest no matter what makes zero sense to me but it’s not my money.
In the case of cars that are worth more than the “book” value is pretty simple. Get an agreed value policy. Simple as simple can be.
If matey on TOC can’t work out that having failed to do the above OR to negotiate a decent figure then buy back and repair then he’s a soft lad in a forum of equally soft lads... Who seem unable to advise him.
We must insure so choose well..... Those who pay more than the insured value take out an agreed value policy. Easy................👍
|
|
|
|
Post by phaeton on Dec 15, 2019 13:48:01 GMT
But here's another one, charliefarlie did you notify them about hitting the deer? I wouldn't have done, but it does make you in breach of contract & there is a possibility that they could wriggle out of a claim if you tried to claim in the future.
|
|
|
|
Post by davidwilson on Dec 15, 2019 14:00:24 GMT
I guess in that case you just buy the cheapest policy that covers the legal minimum to minimise your scam cost? or do you puruse the policy to check the features being offered? if the latter, your argument is nonsense. I do indeed do the former! On reflection I buy the cheapest policy I can find but not just to cover the legal minimum..... I buy fully comprehensive with no voluntary excess (and as small as possible compulsory excess) but I also add legal protection insurance and protected no claims. To be honest I think I wouldn't bother with protected no claims if it hadn't developed into a habit. |
|
It does depend of the driver to if it is worth it but a high excess and then an excess cover policy can save money overall (usually the younger the driver the more worth it it becomes).
