Insurance scam - non fault claims

[sdutton007]

Both of my last 2 EP82s were rammed by SUVs (I.e. what most UK people wrongly call 4x4s) while I was stationary.

My insurance has shot up from about 260 to over 400 (I'm 28 with 7 yrs no claims bonus) purely because of these NON-FAULT claims.

Admiral (the file handlers in both accidents) are refusing to pay out for this increase. Considering that this will happen for the next 5 years and I usually have 2 cars insured at the same time, this is a LOT of money.

I thought insurers had a legal obligation to put you back into the same position you were in before the accident, which they are clearly not doing.

What can I do about this? Cheers

 

[td04 project:)]

I have had this before, they are daylight robbers! I looked into it and it seems there is nothing you can do!! But I think if enough people are to complain about it and even get onto the likes of watchdog ect they need to do something about it. I paid an extra £250 because someone crashed into my car outside my house, I just dont know how they can justify that.

They try and say its due to you being in an area more prone to accidents now......LOL

 

[skyinsurance]

Unfortunately a minority of insurers do load for non-fault claims

 

[AdamB]

Had the same thing with Admiral, some stupid bitch hit straight into the side of my car as she was in the wrong lane and didn't look before pulling out, yet my insurance went up. Joke if you ask me. Apparently it makes you more likely to have more accidents is what I got told, yet I haven't had another accident in the last 3 years since.

 

[Rev]

I was told the same, my son had to pay more for his insurance because I had 4 non fault accidents they said I was more likely to have an accident even though it is a different car. But this company is much cheaper than most so i guess you get what you pay for.

 

[sdutton007]

Insurance Companies = con-merchants, thieves and liars

I think if enough people are to complain about it and even get onto the likes of watchdog etc they need to do something about it.

Not a bad idea. I might contact watchdog and see if they are interested in doing a piece on this scam!

Insurance companies are lying through their teeth when they pretend they have statistics showing that being involved in a non-fault claim makes you more likely to cause an accident.

Why are we forced to deal with these immoral scumbags who are only out to con as much money out of us as they can???

Unfortunately a minority of insurers do load for non-fault claims

Minority????? LMFAO.

I'd like to test your claim of not loading for non fault claims by obtaining 2 quotes (one with both claims, and one without) to see if there is a difference. Unfortunately your company doesn't seem to have grasped the concept of the internet, so I can't be bothered.

 

[moony187]

Would be nice to see what an insurance company would say on this topic Sky insurance, where are you?

 

[dac69er]

Insurance companies are lying through their teeth when they pretend they have statistics showing that being involved in a non-fault claim makes you more likely to cause an accident.

how do you know this?
if you are in a position to be involved in a non fault claim, then you are more likely to put your car in a riskier position that someone who has not made a non fault claim on the face of it.

insurance is all done on computer statistics and tars everyone with the same brush. its unfortunate, but thats just how it is

 

[sdutton007]

if you are in a position to be involved in a non fault claim, then you are more likely to put your car in a riskier position that someone who has not made a non fault claim on the face of it.

We are all in the position to be involved in a non fault claim simply by owning a car. Being involved in one does NOT increase your chances of being involved in another accident. Insurance companies just pretend it does to increase the amount of money they can screw out of you.

If anything, it probably reduces the chance of you being involved in another claim because you're more likely to drive more cautiously since you are more aware that there are vast numbers of fuckwits with no driving ability on the road.

It's like saying because somebody got stuck by lightning, they're more likely to get struck by lightning again.

 

[dac69er]

being struck by lightning is completely different. you cannot use that as a comparison.

if the statistics show that someone who has been involved in a non fault claim is more likely to be involved in an accident where it is their fault, then the insurance company only has the statistics in which to base its information on.

statistics dont cover all of us, this is the unfair thing about them, but in a world where we want to quantify everything there is no other way.

it is unfair that if i move 4 miles down the road from where i live now i will pay higher insurance. but if that new postcode has a higher rate of insurance claims, then you get tarred with that brush again.


it is unfair, we all know it is. insurance companies have the monopoly on all of us as it is something we have to have to legally drive our vehicles on the road.



other things i have noticed over the years that third party and also alot of tpft cover is more expensive than fully comp. this is due to people wanting that type of cover tend to give less of a fuck about their own car so are more likely to take risks and therefore be in an accident.
another one; parking a car in a garage overnight used to lower your premiums. now it either makes no difference or makes it more expensive. this is due to people damaging their cars moving them in and out of the garage, there for increasing the risk of a claim again.



its all based on risk. if statistics say you are more likely to be involved in a claim because of x,y and z then the insurance companies increase their prices to cover themselves for that.

 

[skyinsurance]

I'd like to test your claim of not loading for non fault claims by obtaining 2 quotes (one with both claims, and one without) to see if there is a difference. Unfortunately your company doesn't seem to have grasped the concept of the internet, so I can't be bothered.

If you can devise an accurate online quotation system for highly modified car insurance then we are all ears. The typical car and quotation we run through, require a human element, we are comfortable with that, thanks for your comments.

 

[Rev]

@dac interesting comments I would add in my case it was that fact that I had some at non fault accidents that the insurer could not get fully reinbursed by the offending party that tipped me over the line. They said they could not claim any money from a kangaroo that jumped through a hedge of trees and hit my car .

So if you do have a non fault situation with other drivers involved if possible get the other drivers details as it may save you some money down the track.

Ps I heard there is also a statistical formula for calculating risk of lighting strikes its called chi squared.

 

[EP91_Chris]

Make a complaint to the Financial Ombudsman Service, they will change the tune very fast.