Big insurance problems

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Andrew 2.8i
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Re: Big insurance problems

Postby Andrew 2.8i » Sun Mar 19, 2017 11:17 am

andyd wrote:Renewal Fee


Scam fee or what? :roll:

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Re: Big insurance problems

Postby andyd » Sun Mar 19, 2017 12:02 pm

Andrew 2.8i wrote:
andyd wrote:Renewal Fee


Scam fee or what? :roll:

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:agree:
Honesty and Insurance = :spank: :spank:

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Re: Big insurance problems

Postby Fordoholic Nick » Sun Mar 19, 2017 12:56 pm

andyd wrote:Renewal Fee :o ....That's a new one :spank:


Sorry Andy, I misread it...it actually says "Renewal Transaction Fee"...

Image2017-03-19_12-48-39 by nicholas bowler, on Flickr

I don't feel so bad now I know a "transaction" is involved. They obviously have to pay a "transactor" to process this extremely complicated task. Actually I would be happy to pay more now I know the vast amount of work involved for the poor "transactor" ! :sarcasmalert: :lol:
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Re: Big insurance problems

Postby Major_Tom » Sun Mar 19, 2017 1:04 pm

Just a license to print money isn't it. I've had my Capri since 2004, never written off a car, never killed anyone or had a health-related problem with driving. On top of that, modified insurance... well.. that's good isn't it? It's good you drive a classic or a modified car, it means you're interested in motoring and are less likely to have an accident. How many modified cars, let alone classics, end up written off? It's off the shelf 200bhp cars or runabouts driven by people who aren't particularly interested in driving that end up in the scrapyard, not appreciated classics that someone has spent years and thousands of pounds on.

Slightly off topic, I changed address and had to tell the DVLA about mental health and now I have to renew my license every year?! What the hell. You try and do things legally and correctly and gett shafted up the arse for it. I probably wouldn't have an accident or end up in court and nobody would know if I had lied or not! Be honest and get shafted for it. Keep it from them and get your insurance and license taken off you if they find out. Maybe even a fraud conviction. Not a great incentive is it. It is a bit scary how much like a police state we are turning into. If the wrong person got into power, the tools of dictatorship and ready made.

Thanks for the advice guys, you're the best. Will try Clare at A-Plan and FJ on monday.

On a good note, got my girls Escort running and ready for an MoT next week! Which is good because now my Capri can go in its place on the farm. At least I have somewhere to put it.
My car isn't stupid.... it's MENTAL.

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Re: Big insurance problems

Postby Fordoholic Nick » Sun Mar 19, 2017 1:16 pm

andyd wrote:I would go for at least £7000 wherever you look :goodluck:


Paul G wrote:I'd have thought your car was worth more than that. Several Lasers have been advertised for a lot more (whether they got their price is a different matter) and none of them would have held a candle to yours.


Andrew 2.8i wrote:As for value, I'd agree that £7-£8K would be bang on.


Thanks very much for your comments guys. It always hard to put a value on your own car as to me B112 is completely priceless !! Its good to have an idea what sort of figure I should be looking at. Between £7-£8k sounds like a sensible value for a 2.0 Pinto in nice condition.

So can anyone please explain how agreed valuations work as I am guilty of not sorting this previously. Meant to do it last year but completely forgot to get onto them. Just looked at my existing premium and it has a value of £2900 !!! Time to get this sorted now methinks ! So do you have to send in pics of your car or get an approved valuation from a car club like CCI to get an agreed valuation. Or do you just barter a value with them ? Is the value that "I" put on the quote just that...my valuation, so I need to actually get this confirmed as the official agreed value ?

All the best

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Re: Big insurance problems

Postby D366Y » Sun Mar 19, 2017 1:45 pm

Fordoholic Nick wrote:
Thanks very much for your comments guys. It always hard to put a value on your own car as to me B112 is completely priceless !! Its good to have an idea what sort of figure I should be looking at. Between £7-£8k sounds like a sensible value for a 2.0 Pinto in nice condition.

So can anyone please explain how agreed valuations work as I am guilty of not sorting this previously. Meant to do it last year but completely forgot to get onto them. Just looked at my existing premium and it has a value of £2900 !!! Time to get this sorted now methinks ! So do you have to send in pics of your car or get an approved valuation from a car club like CCI to get an agreed valuation. Or do you just barter a value with them ? Is the value that "I" put on the quote just that...my valuation, so I need to actually get this confirmed as the official agreed value ?

All the best

Nick


When I did it I had to say I wanted to do an agreed value with them, they sent me a form to fill out and I had to provide a lot of information to them, as well as pictures and the work I had done to the car and old them the price I wanted to agree it at (£5k last year) and they just sent me a letter back agreeing to it all basically

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Re: Big insurance problems

Postby andyd » Sun Mar 19, 2017 1:52 pm

Fordoholic Nick wrote:
So can anyone please explain how agreed valuations work as I am guilty of not sorting this previously. Meant to do it last year but completely forgot to get onto them. Just looked at my existing premium and it has a value of £2900 !!! Time to get this sorted now methinks ! So do you have to send in pics of your car or get an approved valuation from a car club like CCI to get an agreed valuation. Or do you just barter a value with them ? Is the value that "I" put on the quote just that...my valuation, so I need to actually get this confirmed as the official agreed value ?

All the best

Nick

Most Insurers ask for 6 photos of the car; Front, Rear, O/S, N/S, Interior and Engine Bay.
These can usually be emailed or printed and sent in the post, along with what you think the car is worth, in your case £7000(?)

Always got what I've asked for so far......And remember, you have to ask a value that would get you an equivalent vehicle in the same condition etc as your car if yours became a total loss.

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Re: Big insurance problems

Postby Andrew 2.8i » Sun Mar 19, 2017 2:16 pm

Hi Nick,
For the agreed value, I verbally agreed a value on the phone and then had to send off 6 photos.
That was it!

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Re: Big insurance problems

Postby fearthecat » Sun Mar 19, 2017 3:07 pm

Unfair and bogus charges imposed upon you are against the law and would be covered by Tradings Standards. You are entitled to ask for a breakdown / explanation of any charge they wish to make.

I imagine that the negligible cost of them receiving a payment (less than 50 pence) and the cost of a telephone operator entering your details for 15 minutes (£2.50) and posting you a certificate (£1 approx) won't be mentioned in any explanation of a £40 charge. I'm also estimating high for their costs as the actual figures are likely to be a lot lower.


It will probably be easier to just go with a different insurer than challenge unfair treatment Thankfully you've got the experiences of a community to base your decision on rather than going it alone as many people do.

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Re: Big insurance problems

Postby Arya2.0S » Sun Mar 19, 2017 3:16 pm

Major_Tom wrote:Just a license to print money isn't it. I've had my Capri since 2004, never written off a car, never killed anyone or had a health-related problem with driving. On top of that, modified insurance... well.. that's good isn't it? It's good you drive a classic or a modified car, it means you're interested in motoring and are less likely to have an accident. How many modified cars, let alone classics, end up written off? It's off the shelf 200bhp cars or runabouts driven by people who aren't particularly interested in driving that end up in the scrapyard, not appreciated classics that someone has spent years and thousands of pounds on.

Slightly off topic, I changed address and had to tell the DVLA about mental health and now I have to renew my license every year?! What the hell. You try and do things legally and correctly and gett shafted up the arse for it. I probably wouldn't have an accident or end up in court and nobody would know if I had lied or not! Be honest and get shafted for it. Keep it from them and get your insurance and license taken off you if they find out. Maybe even a fraud conviction. Not a great incentive is it. It is a bit scary how much like a police state we are turning into. If the wrong person got into power, the tools of dictatorship and ready made.

Thanks for the advice guys, you're the best. Will try Clare at A-Plan and FJ on monday.

On a good note, got my girls Escort running and ready for an MoT next week! Which is good because now my Capri can go in its place on the farm. At least I have somewhere to put it.


Unfortunately, the wrong person is already in power, and she wasnt elected. Seriously the Tory''s plans for the sick and disabled, as well as their obsession with snooping into our private lives, means we are already there, yet the public stay silent and take it. Same thing is going on in the States with Trump and his band of merry fascists. We need a revolution and throw these people in jail.

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Re: Big insurance problems

Postby Iwan22 » Sun Mar 19, 2017 3:56 pm

Major_Tom wrote:Just a license to print money isn't it. I've had my Capri since 2004, never written off a car, never killed anyone or had a health-related problem with driving. On top of that, modified insurance... well.. that's good isn't it? It's good you drive a classic or a modified car, it means you're interested in motoring and are less likely to have an accident. How many modified cars, let alone classics, end up written off? It's off the shelf 200bhp cars or runabouts driven by people who aren't particularly interested in driving that end up in the scrapyard, not appreciated classics that someone has spent years and thousands of pounds on.


In the end I went with a Motor Traders Policy. In the mid 2000's my dad was paying £600 a year for his van as the sole driver etc and I was paying similar for a 1993 1.4 Fiesta third party. the MTP was £1000 yr and covered both of us to drive most cars, so it was a no brainer. I have long said that they should do away with Comprehensive insurance, certainly for under 21's..it would teach them that if they break it, they have to pay for it!

fearthecat wrote:I imagine that the negligible cost of them receiving a payment (less than 50 pence) and the cost of a telephone operator entering your details for 15 minutes (£2.50) and posting you a certificate (£1 approx) won't be mentioned in any explanation of a £40 charge. I'm also estimating high for their costs as the actual figures are likely to be a lot lower.



I had an issue with my insurance company recently when I emigrated. I was paying monthly and about 2 months before leaving I got rear ended. It hit my towbar so my car was mostly fine (it bent the striker plate into the bumper which I straightened out myself) and while I reported it for the sake of claiming off HIS insurance for any injuries or repairs, nothing was ever done bar sending me to a whiplash specialist. Well a short while after I sold the car and cancelled the policy, they wanted something like £500 off me to cancel it because I had an outstanding claim. I said it was a no fault claim and if they want that money to contest it with the other drivers insurance. So after some huffing and puffing that it what happened. I still had to pay a cancellation fee, and with hindsight I wish I'd charged them a "transaction" fee for that! :cheers:

Arya2.0S wrote:
Unfortunately, the wrong person is already in power, and she wasnt elected. Seriously the Tory''s plans for the sick and disabled, as well as their obsession with snooping into our private lives, means we are already there, yet the public stay silent and take it. Same thing is going on in the States with Trump and his band of merry fascists. We need a revolution and throw these people in jail.


But, but...he's making America Great Again! :twak:

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Re: Big insurance problems

Postby Arya2.0S » Sun Mar 19, 2017 11:39 pm

More like make America *hate* again. :deadhorse:

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Re: Big insurance problems

Postby Iwan22 » Mon Mar 20, 2017 12:59 am

Sadly.

Hope you get good news tomorrow.

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Re: Big insurance problems

Postby andyd » Sat Mar 25, 2017 6:07 pm

How did you get on with this :?:

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Re: Big insurance problems

Postby Andrew 2.8i » Tue Apr 04, 2017 7:34 pm

andyd wrote:How did you get on with this :?:


In the absence of a reply from Tom, I took the liberty of checking. Sadly, it looks like his Capri is currently on SORN, so I'm guessing the insurance renewal didn't go too well.

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Re: Big insurance problems

Postby Mc Tool » Wed Apr 05, 2017 12:25 am

Jesus wept . no wonder we are getting heaps of Poms immigrating here :xd: . My Crapi cost me $140 buck a year for full cover ( inc glass cover ) , cheaper coz Im old (54 ), my excess is 250 bucks but that does not apply to windscreens and headlight assy's if I have "glass cover" where they repair or replace the broken glass at no cost to me and some headlight assy's are worth over a grand so it aint bad . Over here there is no compulsory insurance , if the other vehicle has no insurance ( and is in the wrong ) my company pays me out and sues the other driver ( I have been the other driver and they are relentless .............fuck them ) . We also have " no claim bonuses " which reduce the premium for good behaviour. There are cases here where some peeps do get royally fucked over premium wise but only if you have made lots of claims where they were at fault.
I got disqualified for wreakless driving ( ran over a cunty cyclist who richly deserved it .........but his bestie was a cop so I got fucked over ) but my then ins company refused to re insure me until 2 years after the disq finished so I went to the next ins co , showed them police reports and witness statements and they decided that it was all bullshit ( and it was ) and gave me a better deal , I did transfer all ( other car and 4 motorbikes , house and contents ), seems that if I put all your ins in one place I have a bit more clout. I have never been able to understand the logic in the way you guys have vehicle insurance......compulsory insurance seems to let the insurance companies rip you off . I just don't get this scenario where you pay thru the nose for your ins but if the other driver ( at fault ) has no ins you get nothing ( have I got that right ? )
I have the patience of a saint ........Saint cnuty Mc Fuckoff

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Re: Big insurance problems

Postby Andrew 2.8i » Wed Apr 05, 2017 3:27 am

Mc Tool wrote:but if the other driver ( at fault ) has no ins you get nothing ( have I got that right ? )

Not quite, but almost right!
A portion of our premiums goes into the motor insurance bureau, and they seek to resolve any claims for accidents involving uninsured or untraceable drivers. They're only there to seek payment from your own insurance if you're not covered for damage to your own car.
However, according to their website that you need the permission of the uninsured driver who hit you before the MIB will pursue a claim! :roll:

Basically, if an uninsured or hit and run driver crashes into you, you'll have to claim on your own insurance. When it's time to renew, the premiums will increase.

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Re: Big insurance problems

Postby andyd » Wed Apr 05, 2017 6:21 am

Andrew 2.8i wrote:
andyd wrote:How did you get on with this :?:


In the absence of a reply from Tom, I took the liberty of checking. Sadly, it looks like his Capri is currently on SORN, so I'm guessing the insurance renewal didn't go too well.

Andrew.

Maybe he just hasn't taxed and insured it :applaud:....... :sorry:

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Re: Big insurance problems

Postby tejb1 » Wed Apr 19, 2017 8:09 pm

Sorry for the bump, but something came to mind earlier on, which links to the talk about agreed values.

Suppose you have an agreed value for £X - if you had to claim on your policy for total loss, you get £X - easy.

However, suppose somebody else hits you, their fault, and it's a total loss. Does the agreed value still hold, as it is a matter for *their* insurers? Similarly, if the car were in a garage and got nicked, same thing?

Any light that can be shed to set my mind at rest, would be appreciated.

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Re: Big insurance problems

Postby pbar » Thu Apr 20, 2017 6:25 am

I have always assumed that agreed value covers every instance of complete loss. That's the point of it, you lose your car (no matter the cause), and you get the value which was agreed. However, that is an assumption like I said!

Would need to check small print. That's something which should be outlawed in itself, it is so unreasonable to expect everyone to read such a massive amount of cumbersome tiny print and keep it memorised.


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