Patrick_Devlin Posted January 26, 2004 Share Posted January 26, 2004 After some uninsured mong crashed into me last september I am now told that unless the insurance company recieves repayment from him the claim goes on my record as "fault" not a "no fault". Thats crap... what's the point of insurance! They place obstacles at every point! AND Even if I want to make a claim through the MIB for uninsured losses, they wont pay the first £300 of any claim! So I only get £50 back. Thats if the long drawn out process favours me!!! Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 26, 2004 Share Posted January 26, 2004 Obstacles at every point is the key there. Insurance companies make it so difficult, expensive and are generally so aggravating to get insurance let alone make a claim that sometimes I can see why people with old bangers don't bother with it! I mean have you ever tried to get temporary insurance on a car for example! Quote Link to comment Share on other sites More sharing options...
Patrick_Devlin Posted January 26, 2004 Author Share Posted January 26, 2004 I have, yet I was surprised how painless it was! It was whilst my old car was off the road (crash repair) and I transferred the insurance over to another car I owned. Maybe it was because I owned both vehicles? Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 26, 2004 Share Posted January 26, 2004 Another thing I cant understand about insurance (sorry bit off topic) I'm not allowed to drive other cars on my policy something to do with imports no doubt. But my girlfriend is allowed to drive other cars that arnt hers with the policy holder permission and her car is a Nissan Micra. Weird? Quote Link to comment Share on other sites More sharing options...
Matt B Posted January 26, 2004 Share Posted January 26, 2004 Another thing I cant understand about insurance (sorry bit off topic) I'm not allowed to drive other cars on my policy something to do with imports no doubt. You will find this is probably because you are under 25 years old. I was told on mine I would not be able to drive other cars until I was 25. Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 26, 2004 Share Posted January 26, 2004 Your probably right there, shes younger than me but different companies have different age restrictions. I remember when getting quotes once they said I could from my 23rd birthday but most are 25. Quote Link to comment Share on other sites More sharing options...
Grazer Posted January 26, 2004 Share Posted January 26, 2004 I think the revolution is nearing. I have noticed a marked increase in frequency of anti-insurance posts. The time for action is now Or after a cup of tea...... Quote Link to comment Share on other sites More sharing options...
djg99 Posted January 26, 2004 Share Posted January 26, 2004 I payed an extra £80 to cover me against uninsured drivers and if i get hurt i've a limit of up to £300,000 which i can clame for Quote Link to comment Share on other sites More sharing options...
Suprash Posted January 26, 2004 Share Posted January 26, 2004 Do what though, thats the problem we cant do anything. Its like my Sky+ box I had installed, 3 boxes in one week I went through, and I couldnt even phone them to shout and have a whinge (sp), why because they havent got a complaints phone number, you can only contact them by mail. Thats typical of a comapany getting intself out the direct firing line of the customer. When I finished my old insurance policy (Privelage) from my Calibra when I was just purchasing the Supe, they screwed me out of £300 for some small print tosh, and again there was nothing I could do except bend over and take it. No wonder you see more and more post with everyone feeling the same way, I see lets go burn them all tonight, be like a proper witch hunt........ :p Quote Link to comment Share on other sites More sharing options...
JohnK Posted January 26, 2004 Share Posted January 26, 2004 I payed an extra £80 to cover me against uninsured drivers and if i get hurt i've a limit of up to £300,000 which i can clame for But you shouldnt have to. Quote Link to comment Share on other sites More sharing options...
Mad Ad Posted January 26, 2004 Share Posted January 26, 2004 If you have insurance and the other bloke hasn't then get your insurance solicitors to contact him with legal proceedings to get back the cost of repairs. I've just got back in from my law course! If someone smashed your car windows with a hammer wouldn't you sue him? So what's the difference?!:flame Dev Quote Link to comment Share on other sites More sharing options...
Patrick_Devlin Posted January 27, 2004 Author Share Posted January 27, 2004 Originally posted by Mad Ad If you have insurance and the other bloke hasn't then get your insurance solicitors to contact him with legal proceedings to get back the cost of repairs. I've just got back in from my law course! If someone smashed your car windows with a hammer wouldn't you sue him? So what's the difference?!:flame Dev Oh they've done that... he's unemployed, he cant pay, he can barely speak a word of english. He told the insurance company that he would pay by installments but hasnt yet. The insurance company are apparently getting someone else to deal with it now, probably bailiffs or something like that! I could take him to the small claims court but what good will that do! I pay my insurance so that I dont have to do all this crap! Quote Link to comment Share on other sites More sharing options...
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