Why should i be punished by the insruance companys!!!!

[Paddy_g46]

just been to court the other week to settle liability for a car crash and won the case, great i thought i wont have to pay extra on my insurance! WRONG! what a f**king joke, just had a quote and i said i was in a crash but was not to blame and then i tried it without and they are charging me an extra £200 for a crash that was some other dickheads fault! how the f**k does that work! insurance companys take the piss! makes me want to drive unisured and say f**k them but i wouldnt because i have morals unlike half the other sum w*****s like the prick that pulled out in frotn of me in the first place!

 

[keben6]

I had the same about 4 years ago, it goes down as a "not at fault claim" but they f**k you up anayway! Complete and utter BOLLOX!!!

 

[J203425]

emmm move insurance companies and dont tell the u were involved in a crash, if you never made a claim then there is no way for them to find out:dapprove:

 

[vavazoom]

this means the valvers out the picture as a next car then?

 

[Mike-bham]

It will be on record though

 

[J203425]

On record with who?

The data protection act means that insurance companies can only share information within the the same parent company. If you switch to a completly different company underwritten by a different parent group they wont have any records.

Anyway I've had 2 crashes where I didn't claim when I purchased insurance 2 month ago I was asked:

"Any convictions in the last five years?"

To which I asnwered no coz I havn't had any

"Any claims in the last five years?"

To which I answered no as well!

 

[RichRSi]

^^
Yep fraid so. Same thing happened. Got hit from behind by some old fart not paying attention about a year ago and the car was written off.
You have to specifiy it on getting a quote. If you dont and they find out you're as good as uninsured.
Even if you 'win' the claim it's still a Lose Lose situation mate.

 

[Paddy_g46]

this means the valvers out the picture as a next car then?

definately not mate, im just really pisssed of with this insurance crap, whats the point in paying insurance aswell when their services are s**t! the solicitor they gave me (which i payed £15 legal cover for) is a complete tosspot, he is a wanker of the highest order, does f**k all until u rign him adn tell him to, tells you he will rign you back in 2 mins (1 and a half weeks ago) and then doesnt chase the money you were awarded for winning the case which was f**king lucky seen as he is so incompetent! argggggggggggggggggh!

 

[Gaz_]

calm down dear, you should be with esure :clown:

 

[Paddy_g46]

id love to punch that c**k in the face!

 

[Gaz_]

pmsl!!!

 

[patty]

The data protection act means that insurance companies can only share information within the the same parent company. If you switch to a completly different company underwritten by a different parent group they wont have any records.

fraid thats not true mate. i work for a very well known insurance company and we share data with all other companies

 

[Paddy_g46]

The data protection act means that insurance companies can only share information within the the same parent company. If you switch to a completly different company underwritten by a different parent group they wont have any records.

fraid thats not true mate. i work for a very well known insurance company and we share data with all other companies

can you tell me why im being punished mate? its total bollox mite aswell have lost the court case!

 

[patty]

can you tell me why im being punished mate? its total bollox mite aswell have lost the court case!

depends on the insurance company mate, all i can say is shop round...

 

[J203425]

The data protection act means that insurance companies can only share information within the the same parent company. If you switch to a completly different company underwritten by a different parent group they wont have any records.

fraid thats not true mate. i work for a very well known insurance company and we share data with all other companies

hmm in blatant breach of the data protection act then!

Hope it never happens to me I'll sue!


Also if that the case how come you have to ask about convictions and DVLA dont just "share" that information with you?

 

[Kneel]

fraid thats not true mate. i work for a very well known insurance company and we share data with all other companies

hmm in blatant breach of the data protection act then!

Hope it never happens to me I'll sue!


Also if that the case how come you have to ask about convictions and DVLA dont just "share" that information with you?

No breach, when you agree to insurance part of the agreement states that you're information may be shared with other companies
In regards to the increased premium, I would argue with the insurer, play some companies off against each other or even better, go to a small brokers.

 

[Deeg]

On record with who?

The data protection act means that insurance companies can only share information within the the same parent company. If you switch to a completly different company underwritten by a different parent group they wont have any records.

Anyway I've had 2 crashes where I didn't claim when I purchased insurance 2 month ago I was asked:

"Any convictions in the last five years?"

To which I asnwered no coz I havn't had any

"Any claims in the last five years?"

To which I answered no as well!

If you didn't claim, then there isn't a problem, but Patrick_g46 has had it go through insurance companies.

If you can settle without involving insurance companies, then there is no need to tell them, but because his has gone through insurance companies, it will be on file.

Sucks though mate, hope you get it sorted. Just do plenty of shopping round.

Try HIC, were by far the best price for me when I had points and a claim.

 

[keben6]

When I was hit at 40mph up the arse on the M1 a few year back both cars were written off and old bill called etc....4.5 years on and it still reads as a note on my policy. Whether or not it is costing me more money I don't know but the fact it needs to be there is a complete nonsense. I wasn't me who was in the wrong CLEARLY.

 

[Ross M]

LOL what a load of pish jbennet !

when u take out a policy u agree to your info being shared on the insurance database.
also any time u fone the insurance company its logged and if u tell them of an incident it must be logged as a claim whether they pay out or not.
and its very easy to get that info.

and with regards to disclosing convictions ... u have to advise of any u have as the insurance company wont check then. but when u do make that claim the insurance company may then check and if they find uv lied ur insurance will be cancelled and i can tell u it will then be near impossible to get insured again.

i work for an insurance company btw.

 

[Jamesl172]

Can someone just clear something up for me!! Someone rammed into the side of me last month but it all went through his insurance policy. Does that mean if it comes to renewing my car insurance it will go down as me making a claim or not. I thought that cause it all went through his that I keep my no claims discount and my policy would be unaffected when renewing it!!

 

[Jamesl172]

Can someone just clear something up for me!! Someone rammed into the side of me last month but it all went through his insurance policy. Does that mean if it comes to renewing my car insurance it will go down as me making a claim or not. I thought that because it all went through his that I keep my no claims discount and my policy would be unaffected when renewing it!!

 

[Jamesl172]

Can someone just clear something up for me!! Someone rammed into the side of me last month but it all went through his insurance policy. Does that mean if it comes to renewing my car insurance it will go down as me making a claim or not. I thought that cause it all went through his that I keep my no claims discount and my policy would be unaffected when renewing it!!

 

[Jamesl172]

Sorry my internet explorer is playin up!!

 

[MCG]

yeah you have to declare it as a non fault claim

 

[172.com]

Anyway I've had 2 crashes where I didn't claim when I purchased insurance 2 month ago I was asked:

"Any convictions in the last five years?"

To which I asnwered no coz I havn't had any

"Any claims in the last five years?"

To which I answered no as well!

Cool, you have a crash and you won't be getting much insurance payout (if any). You got a great plan there, mate! If you lie to th, you're breaking a legally binding contract, they don't have to pay out, so you could lose your car and could have to pay out for the other car(s) involved.

fraid thats not true mate. i work for a very well known insurance company and we share data with all other companies

hmm in blatant breach of the data protection act then!

Hope it never happens to me I'll sue!

Yeah, good luck with that . You'll end up paying out fees for the case as well as everything I said could happen above. You're a clever one aren't you.

 

[Topgeartom]

Exact same situation as me. Got hit by a bloke sailing through a give way. He admitted full liability and it went through his insurers - i got a payout without it going near my existing insurers, however his insurers are elephant, and in a few months it looks like im going to be going through bell, who i think are linked with elephant. Saying ive had a no fault claim bumps up my premium by £200. Its a joke.