Car insurance

#11

"Depresion" <blank (AT) 128 (DOT) 0.0.1> wrote

Quote:

"Ronny" <admin (AT) 1337hosts (DOT) com> wrote in message
news

amdnZRHfOU6IJjeRVnygQ (AT) pipex (DOT) net...
Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it
was a Royal Mail delivery van in our works car park, no problems I
thought,
just phoned Esure and they said it would be picked up and repaired etc
etc.
The thing was I was going on holiday the same day as it happened for 2
weeks,
so I said can it wait till I come back, they said yeah...

So I come back off holiday and they come to pick the car up, but they
want to
take it to a Citroen Garage to have a new bumper and wing, I'm like "no
way"
would you take your Audi to be sprayed and repaired by a Citroen
dealer????

So I went to Audi and got a quote, they booked it in but Esure said if I
arrange for the repairs, I have to pay my own hire car etc, and my excess
of
250 quid.
They then say if I wait till they admit liability ( which the manager
already
has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit liability...
Thing is my insurance was due for renewal last week, and they have taken
4
years no claims off and whacked my premium up by 150 quid, also I cannot
go to
another insurance company as they want stupid amounts to reinsure me as I
have
a "FAULT CLAIM" going through, even though my car was parked up at the
time
and some knob hit it while reversing.

Any ideas what I can do???

Not a lot, it's quite normal for insurance companies to screw you over by
classing all claims as fault claims until they can recover there expenses
from
the other driver's insurance. When it's settled they *should* reinstate
your NCB and refund the difference.

Yeah that's all very well but in the meantime I cannot move insurance
companies

Also did you know every time you even tell your insurance company someone
has hit your car its classed as a claim, even though you say you never
proceeded with it. You still have to declare it, and it costs you money

#12

"Ronny" <admin (AT) 1337hosts (DOT) com> wrote

Quote:

"Depresion" <blank (AT) 128 (DOT) 0.0.1> wrote in message
news:13DNe.7090$914.4569 (AT) newsfe6-gui (DOT) ntli.net...

"Ronny" <admin (AT) 1337hosts (DOT) com> wrote in message
news

amdnZRHfOU6IJjeRVnygQ (AT) pipex (DOT) net...
Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my car,
it
was a Royal Mail delivery van in our works car park, no problems I thought,
just phoned Esure and they said it would be picked up and repaired etc etc.
The thing was I was going on holiday the same day as it happened for 2
weeks,
so I said can it wait till I come back, they said yeah...

So I come back off holiday and they come to pick the car up, but they want
to
take it to a Citroen Garage to have a new bumper and wing, I'm like "no way"
would you take your Audi to be sprayed and repaired by a Citroen dealer????

So I went to Audi and got a quote, they booked it in but Esure said if I
arrange for the repairs, I have to pay my own hire car etc, and my excess of
250 quid.
They then say if I wait till they admit liability ( which the manager
already
has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit liability...
Thing is my insurance was due for renewal last week, and they have taken 4
years no claims off and whacked my premium up by 150 quid, also I cannot go
to
another insurance company as they want stupid amounts to reinsure me as I
have
a "FAULT CLAIM" going through, even though my car was parked up at the time
and some knob hit it while reversing.

Any ideas what I can do???

Not a lot, it's quite normal for insurance companies to screw you over by
classing all claims as fault claims until they can recover there expenses
from
the other driver's insurance. When it's settled they *should* reinstate your
NCB and refund the difference.

Yeah that's all very well but in the meantime I cannot move insurance
companies

That's rather the point to it.

#13

"Father Ted Crilly" <not (AT) here (DOT) com> wrote

Quote:

Ronny wrote:
Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it was a Royal Mail delivery van in our works car park, no problems
I thought, just phoned Esure and they said it would be picked up and
repaired etc etc. The thing was I was going on holiday the same day as it
happened for 2 weeks, so I said can it wait till I come back, they said
yeah...

So I come back off holiday and they come to pick the car up, but they
want to take it to a Citroen Garage to have a new bumper and wing, I'm
like "no way" would you take your Audi to be sprayed and repaired by a
Citroen dealer????

So I went to Audi and got a quote, they booked it in but Esure said if I
arrange for the repairs, I have to pay my own hire car etc, and my excess
of 250 quid.
They then say if I wait till they admit liability ( which the manager
already has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit liability...
Thing is my insurance was due for renewal last week, and they have taken
4 years no claims off and whacked my premium up by 150 quid, also I
cannot go to another insurance company as they want stupid amounts to
reinsure me as I have a "FAULT CLAIM" going through, even though my car
was parked up at the time and some knob hit it while reversing.

Any ideas what I can do???

Contact the Insurance Ombudsman and explain your case because it sounds
like they are taking the piss.
I've had some success with them in the past. Just threatening Firebond
with the Ombudsman got my problems with them resolved very quickly...
details here

http://tinyurl.com/c2okg

HTH

Ted

same thing when I had problems with admiral
took 6 months mind but they admitted liability for everything they fucked up
and I had to pay for

#14

Quote:

Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it
was a Royal Mail delivery van in our works car park, no problems I
thought,
just phoned Esure and they said it would be picked up and repaired etc
etc.
The thing was I was going on holiday the same day as it happened for 2
weeks,
so I said can it wait till I come back, they said yeah...

So I come back off holiday and they come to pick the car up, but they
want to
take it to a Citroen Garage to have a new bumper and wing, I'm like "no
way"
would you take your Audi to be sprayed and repaired by a Citroen
dealer????

So I went to Audi and got a quote, they booked it in but Esure said if
I
arrange for the repairs, I have to pay my own hire car etc, and my
excess of
250 quid.
They then say if I wait till they admit liability ( which the manager
already
has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit liability...
Thing is my insurance was due for renewal last week, and they have
taken 4
years no claims off and whacked my premium up by 150 quid, also I
cannot go to
another insurance company as they want stupid amounts to reinsure me as
I have
a "FAULT CLAIM" going through, even though my car was parked up at the
time
and some knob hit it while reversing.

Any ideas what I can do???

Not a lot, it's quite normal for insurance companies to screw you over
by
classing all claims as fault claims until they can recover there
expenses from
the other driver's insurance. When it's settled they *should* reinstate
your NCB and refund the difference.

Yeah that's all very well but in the meantime I cannot move insurance
companies

That's rather the point to it.
which is why you should have taken it to a no win no fee type place

when it's an accident with someone else you don't know, that's what
insurance companies are for
my car was away for 4 months when it had a lorry reverse into it
when I got it back the guy told me what had happened and gave me the details
of the lorry driver
straight on the phone to get it repaired via a local garage and got me a
courtesy car too for 2 weeks
never told the insurance company as it was nothing to do with me when it
happened and they haven't mentioned it when I've gone for renewals either

#15

" dojj" <dojj1 (AT) dojj1 (DOT) fsnet.co.uk> wrote

Quote:

Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it
was a Royal Mail delivery van in our works car park, no problems I
thought,
just phoned Esure and they said it would be picked up and repaired etc
etc.
The thing was I was going on holiday the same day as it happened for 2
weeks,
so I said can it wait till I come back, they said yeah...

So I come back off holiday and they come to pick the car up, but they
want to
take it to a Citroen Garage to have a new bumper and wing, I'm like
"no way"
would you take your Audi to be sprayed and repaired by a Citroen
dealer????

So I went to Audi and got a quote, they booked it in but Esure said if
I
arrange for the repairs, I have to pay my own hire car etc, and my
excess of
250 quid.
They then say if I wait till they admit liability ( which the manager
already
has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit liability...
Thing is my insurance was due for renewal last week, and they have
taken 4
years no claims off and whacked my premium up by 150 quid, also I
cannot go to
another insurance company as they want stupid amounts to reinsure me
as I have
a "FAULT CLAIM" going through, even though my car was parked up at the
time
and some knob hit it while reversing.

Any ideas what I can do???

Not a lot, it's quite normal for insurance companies to screw you over
by
classing all claims as fault claims until they can recover there
expenses from
the other driver's insurance. When it's settled they *should* reinstate
your NCB and refund the difference.

Yeah that's all very well but in the meantime I cannot move insurance
companies

That's rather the point to it.
which is why you should have taken it to a no win no fee type place
when it's an accident with someone else you don't know, that's what
insurance companies are for
my car was away for 4 months when it had a lorry reverse into it
when I got it back the guy told me what had happened and gave me the
details of the lorry driver
straight on the phone to get it repaired via a local garage and got me a
courtesy car too for 2 weeks
never told the insurance company as it was nothing to do with me when it
happened and they haven't mentioned it when I've gone for renewals either

Are they still about these type of companies? if so can you give me some
details of a decent one? I thought they were only abulance chasers nowadays

Thanks Dojj

#16

"Ronny" <admin (AT) 1337hosts (DOT) com> wrote

Quote:

" dojj" <dojj1 (AT) dojj1 (DOT) fsnet.co.uk> wrote in message
news:dea0eh$gk8$1 (AT) newsg2 (DOT) svr.pol.co.uk...
Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it
was a Royal Mail delivery van in our works car park, no problems I
thought,
just phoned Esure and they said it would be picked up and repaired
etc etc.
The thing was I was going on holiday the same day as it happened for
2 weeks,
so I said can it wait till I come back, they said yeah...

So I come back off holiday and they come to pick the car up, but they
want to
take it to a Citroen Garage to have a new bumper and wing, I'm like
"no way"
would you take your Audi to be sprayed and repaired by a Citroen
dealer????

So I went to Audi and got a quote, they booked it in but Esure said
if I
arrange for the repairs, I have to pay my own hire car etc, and my
excess of
250 quid.
They then say if I wait till they admit liability ( which the manager
already
has) I won't have to pay any excess to the Audi dealer.

So here we are 3 months later.. waiting for them to admit
liability...
Thing is my insurance was due for renewal last week, and they have
taken 4
years no claims off and whacked my premium up by 150 quid, also I
cannot go to
another insurance company as they want stupid amounts to reinsure me
as I have
a "FAULT CLAIM" going through, even though my car was parked up at
the time
and some knob hit it while reversing.

Any ideas what I can do???

Not a lot, it's quite normal for insurance companies to screw you over
by
classing all claims as fault claims until they can recover there
expenses from
the other driver's insurance. When it's settled they *should*
reinstate your NCB and refund the difference.

Yeah that's all very well but in the meantime I cannot move insurance
companies

That's rather the point to it.
which is why you should have taken it to a no win no fee type place
when it's an accident with someone else you don't know, that's what
insurance companies are for
my car was away for 4 months when it had a lorry reverse into it
when I got it back the guy told me what had happened and gave me the
details of the lorry driver
straight on the phone to get it repaired via a local garage and got me a
courtesy car too for 2 weeks
never told the insurance company as it was nothing to do with me when it
happened and they haven't mentioned it when I've gone for renewals either

Are they still about these type of companies? if so can you give me some
details of a decent one? I thought they were only abulance chasers
nowadays

Thanks Dojj
i was lucky as my mates father in law dealt with everything

he's now retired but a look on google came up with:
http://www.google.co.uk/search?hl=en...t+claims&meta=

I'm sure someone posted a company here a while ago

#17

Apparently on date Sun, 21 Aug 2005 14:43:49 +0100, " dojj"
<dojj1 (AT) dojj1 (DOT) fsnet.co.uk> said:

Quote:

Fooking insurance company have me over a barrel

That's rather the point to it.
which is why you should have taken it to a no win no fee type place
when it's an accident with someone else you don't know, that's what
insurance companies are for

Just as a tip. No win, no fee companies do nothing at all for you and actually
make your case less likely to win.

Go to the lawyers directly and you get the exact same deal but the lawyer
doesn't have to pay 600 notes to learn about your case. And that inevitably
makes them more motivated to take your case.

#18

Ronny wrote:

Quote:

I would rather take my car to a company who spray and repair Audis
every day. I know the work is done properly then and some 17 year old
trainee isn't going to smoke my car round the car park.

HAHAHAHAHAHA !

Quote:

It's a whole
different ball game working on a VAG car then it is on Ford/Vauxhall,

HAHAHAHAHAHAHAHAHAHAHAHAHA !

You're having a laugh if you seriously think you're so much better off with
an Audi dealer !

#19

Ronny wrote:

Quote:

Fooking insurance company have me over a barrel

Signed up with Esure 3 years ago, and 3 months ago someone whacked my
car, it was a Royal Mail delivery van in our works car park, no
problems I thought, just phoned Esure and they said it would be
picked up and repaired etc etc. The thing was I was going on holiday
the same day as it happened for 2 weeks, so I said can it wait till I
come back, they said yeah...

So far so good.

Quote:

So I come back off holiday and they come to pick the car up, but they
want to take it to a Citroen Garage to have a new bumper and wing,

Great, so it's all sorted then ?

Quote:

I'm like "no way" would you take your Audi to be sprayed and repaired
by a Citroen dealer????

Duh, of course I would. The insurance-approved repair shop, is the
insurance-approved repair shop. For obvious reasons, it doesn't matter one
jot who the actual company is !

Quote:

So I went to Audi and got a quote, they booked it in but Esure said
if I arrange for the repairs, I have to pay my own hire car etc, and
my excess of 250 quid.

Fair enough. If you're choosing to use a more expensive repair shop, then it
stands to reason that you're gonna have to fund the extra.

Quote:

They then say if I wait till they admit liability ( which the manager
already has) I won't have to pay any excess to the Audi dealer.

Yep.

Quote:

So here we are 3 months later.. waiting for them to admit liability...

....which is very unlikely.

Quote:

Thing is my insurance was due for renewal last week, and they have
taken 4 years no claims off and whacked my premium up by 150 quid,

Yep - because you have a pending claim. If it's sorted as a no-fault claim,
then you'll get your no-claims discount back. You won't get the £150 back
though - you've had a claim, so your premium has risen accordingly - that's
how it works. Your 4 years no-claims is still netting you a 50% discount,
from a larger inital premium.

Quote:

also I cannot go to another insurance company as they want stupid
amounts to reinsure me as I have a "FAULT CLAIM" going through, even
though my car was parked up at the time and some knob hit it while
reversing.

Yep.

Quote:

Any ideas what I can do???

Erm, nothing.

If you'd chosen to use their approved repair shop in the first place, you
wouldn't be in this mess !

#20

Ronny wrote:

Quote:

Also did you know every time you even tell your insurance company
someone has hit your car its classed as a claim, even though you say
you never proceeded with it. You still have to declare it, and it
costs you money

Yep - your level-of-risk to the insurer, is directly proportional to the
number of "accidents" you have.

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