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Car Insurance



  Civic Type R EK9
I was paying £3000 a yr for my ctr then some t***s smashed it up i only paid 1 instalment only had it a month so paid £300 then cancelled and now they wrote a letter saying ive got to pay the full premium within 7 days thjey can go whistle i cant afford it hence why paying monthly what you lot think??

they said because i made claim intittled to pay full premium
 
  172 Cup
Moved to Insurance section.

In regards to the question ofcourse they want full payment of the premium before they pay out.
 
  Civic Type R EK9
well not really if i have the car for 1 month and rite it of ive only onned it a month and paid for the insurance i used or i may aswell not have insurance and pay the accidents etc myself
 
  1.6 Astra ... R.I.P. 182
if youve claimed you have to pay the full amount.

and £3,000 a year for a CTR ??? christ on a bike
 
I would check the entire policy before doing anything, you may find that there is a section stating that you have to settle the policy.
 
  Civic Type R EK9
well i aint doing it and there welcome to take me to court i will offer a pound a week!! the kid that done my car over is going to die!!

also what about legal cover i had for uninsured vandalism etc
 
  1.6 Astra ... R.I.P. 182
well if thats the case im not paying it as it wasnt made clear to upon taking policy out

i think youll find its quite blatantly written in your policy wording.

do u honestly expect insurance to give you a whole whack of cash for free ?

and theyl make a fool of you in court
 
  Civic Type R EK9
they can do what they like mate as when i took policy out over phone they didnt tell me those terms on cancelling and having to pay full premium so that case they mis sold me the product
 
  1.6 Astra ... R.I.P. 182
lol no they didnt.

when u accepted the quote and never returned the docs after the '1 week cooling off period' you have therefore accepted the terms and conditions on the policy.
 
  Civic Type R EK9
yeh well it didnt come out within 14 days of there cancelling period therefore i had no choice and ive still got the original envelope to prove
 

MCG

  Vauxhall Astra VXR
Lol, if they pay out for your car and you don't pay the full premium, they'll sell the debt onto a debt company and for £3000, they'll make sure they get that off you, whether its by sending the bailiffs or taking you to court, I should know, I work in insurance. They'll also charge you any admin and court costs if it goes that far.

If you have a claim with any insurer, the full annual premium is required. You should of read your documents, you have 14 days to cancel the policy with a full refund if you're not happy with the terms, you left the policy running and then made a claim. When will people learn...

You should never of cancelled either, they let you still use the remainder of the policy when you buy a new car or get your current one sorted. By cancelling, you threw £3000 down the drain. Bad luck, you screwed up and don't have a leg to stand on.

Oh yeah, and legal cover doesn't come into it, it only covers uninsured losses like your excess for example.
 
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  1.6 Astra ... R.I.P. 182
yep ive already tried explaining that ... was almost hitting out with my claims chat ! lol
 
  172 Cup
well i will goto court and pay the smallest payment like 50p a week as i cant afford it they want £1097

lol You think it's a simple as saying you're skint and they'll let you pay pocket money amount each week? I hope you never want credit or a mortgage in the future then.
 
  Civic Type R EK9
not being funny i didnt recieve documents within the 14 days so had to accept it, they cant prove otherwise!! and they didnt explain terms on phone!!
 
  Chelsea tractor
Let me get this right...

You've just spent £XXXX on a new 182, and already want "a newer faster car for the same insurance price". Money grows on trees does it?

It's not like it's optional to pay insurance companies money; they're not charities. Going to court would entail even more costs, ie. solicitors/cousel/court fees which would only fall back upon yourself.

Sell the 182, buy a 172, pay the insurance man and learn from it ;)
 
  Civic Type R EK9
they mis sold a product as i spoke to citizens advice bureau and as car was smashed up on drive legal cover i paid for should cover this
 

MCG

  Vauxhall Astra VXR
not being funny i didnt recieve documents within the 14 days so had to accept it, they cant prove otherwise!! and they didnt explain terms on phone!!

They only have to explain the basic terms as they send the full terms in writing, they can prove that you recieved them as they arrive in the same envelope as the certificate of insurance, thats right, the same certificate of insurance you would've had to use when you made the claim. Nevermind eh. You think you have a workaround for everything, do you not think they got these things covered? They're multi million pound companies. You're some guy who wrote off a CTR.
 
  1.6 Astra ... R.I.P. 182
did the police arrest and charge the guy with criminal damage ?

if not legal cover means feck all as you wont be able to retrieve your costs
 
  Civic Type R EK9
i have crime reference numbers etc and guy has been arrested but still waiting to see if hes going to be charged
 
  Chelsea tractor
markclio2007 said:
they mis sold a product as i spoke to citizens advice bureau and as car was smashed up on drive legal cover i paid for should cover this
No they didn't miss-sell it in any way, shape or form.

Lets have a look here:
  • You took out insurance
  • You made a claim
  • They paid up
  • Under the standard T&C's you are required to pay the full amount upon making a claim, irrespective of whether you continue to hold the policy or not.
  • Therefore you owe them money
Not being funny, but I don't see what is out of the ordinary or complicated here.

The "legal cover" you paid for covers the cost of an "in house" solicitor to pursue a claim against a 3rd party on your behalf. It has nothing at all to do with your car being sat on your drive.
 

MCG

  Vauxhall Astra VXR
Simple fact is, by making a claim you accepted the terms, if you never recieved the terms in the post you never rang up to request them before making a claim. The guy who hit you wont ever be forced to pay for the damage to your car or your insurance premium. You're just going to have to pay the full annual premium and the longer you leave it, the more expensive it will become. Citizens Advice don't understand how car insurance works, all they can do is advise you the best they can. Its the financial ombudsman you need to ring to complain about insurance, citizens advise don't regulate insurance. If it goes to court, its game over. I'm not gonna say anything else on the matter, because at AA, we get customers in your position every single day and its always the same result.
 
  Civic Type R EK9
Well im going to speak to claims department tommorrow as they said they will contact police and try recover money
 
  clio 172 mk2
well if thats the case im not paying it as it wasnt made clear to upon taking policy out

same thing happened with me they take the whole years premiums off the amount you get back so if you only made 1 payment of 300 then you owe 2700 so if your settlement is say 8,000 you will receive a cheque for £8,000 minus 2700 minus excess .... or thats wat i would think .... but then when you insure your next car you will have 11 months insurance free as long as the cost of insurance is less ...... hope that makes sense:rasp:
 

ChrisR

ClioSport Club Member
The thing is you agreed to a policy that states I will pay X amount to cover my car, not that you agree to pay a portion of X to cover your car.

The fact you chose to pay monthly makes no difference, monthly payments in insurance are there to repay the loan that the company have effectively given you to pay the amount owing. So the amount you owe is what's remaining on your finance agreement.

That's how I understood it, or something along those lines..
 
  M2 Competition
Aye, if you cancel your policy they'll see you trying to make a fast buck and charge you for the rest of it. If everyone cancelled insurance straight after a write off, how would the insurance company make any money?

Id get a loan or borrow the money to pay it fella, seriously.

Dont let it fall into the hands of the courts/ bailiffs. Expect them to reposses your clio, sell it at the first auction they can for around 5k and give you nothing to show for it.
 
  1.6 Astra ... R.I.P. 182
in any case if they had 'mis-sold' you the policy they would just give you your £3000 back and pay nothing towards the claim.

either way its not gonna be your way
 

Cookie

ClioSport Club Member
Well im going to speak to claims department tommorrow as they said they will contact police and try recover money

Good luck with that, it'll take an eternity to get any money out of the other person, if they ever give it up.

Meanwhile you're still stuck with that 3k debt

Listen to the insurance people in the thread rather than trying to do it your own way, you'll only end up worse off
 


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