Welcome to Rip Off Britain

[jonno 357]

Is it any wonder car insurance premiums for the young are so high when the main dealer repair centres are ripping them off like this.

 

Just recently my daughter was a passenger in a car being driven by her friend when she tail ended the car infront which stopped suddenly.

 

Obviously she was to Blame but the following ensued. She rang her insurance company who gave her a number to ring for recovery. She rang the recovery group who said they would collect the car and deliver it to the nearest repair centre for that manufacture. " They didnt tell them where it was just that it had to be within 10 miles of the accident in order to qualify for a nil recovery charge. Neither of them had a clue so I went to the local garage and the helpful gentleman gave me the information from yellow pages.

 

The repair centre for this make was 8.5 miles away so they were within the limit. Now obviously they have a arrangement with the Insurance company and the vehicle was picked up and I transported the driver back to her university lodgings and my daughter home. The 19 year old driver had been driving for a year and was worried about her insurance costs and also the repairs to her vehicle and the one she hit. As the damage to the other vehicle was minimal I reccommended she try and pay it direct rather than resort to her policy and therefore lose any NCB and negate the risk of the premium being increased because of any claim. I examined her car as she was also worried about the cost to repair and I told her to get a quote from the repair centre before the work was authorised.

 

I have some experience of repair claims thriough our large company car fleet with a local reputable repair centre so after examination I suggested she was looking at 800 - 1000.

 

Shock of shocks....the repair centre assuming I imagine that the insurance company would pick up the full tab quoted her nearly £3000 !!! What a rip off. I was absoultely disgusted. She managed to find a local mechanic near where she lives in Exeter to collect the car from Cheltenham, repair it, replacing the damaged parts all for £1000. I wouldnt mind wagering that he makes a better job of it.

 

Just shows what a racket the Repair centres are running, which in turn is forcing the premiums up for our young drivers to such a unneccessary and punative level.

 

 

Have i read this right Mike. She has paid out for her own repairs (£1000) and assume the other drive is making a claim against here insurance anyway

 

Why would she want to pay for her own and still lose what little no claims she has? Confused here Mike. I don't get it

 

I like the bit "car in front stopped suddenly" :blink: Someone not paying attention to traffic in front or driving up there ***

[Fisherman Mike]

Have i read this right Mike. She has paid out for her own repairs (£1000) and assume the other drive is making a claim against here insurance anyway

 

Why would she want to pay for her own and still lose what little no claims she has? Confused here Mike. I don't get it

 

I like the bit "car in front stopped suddenly" :blink: Someone not paying attention to traffic in front or driving up there ***

 

 

Because quite simply her insurance premium will elevate to an inordinate level that being a 19 University student she can ill afford.

 

The blame isnt the issue here or the topic..........its the fact that we are being ripped off in this market place.

[Fisherman Mike]

It wouldn't be an issue if your daughters mate watched what she was doing - a stupid tail ender like that could have killed someone - was it too busy gassing with your daughter or using her mobile/make up etc. Try watching what she's doing.

 

 

What a totally useless and inane post to make which contributes absolutely nothing to this topic.

 

The issue is not the apportionment of Blame its the fact of another illustration of where the public are being ripped off.

 

Your quite right......."there is none so shallow that know themselves" .....very apt.

[leeds chimp]

Because quite simply her insurance premium will elevate to an inordinate level that being a 19 University student she can ill afford.

 

The blame isnt the issue here or the topic..........its the fact that we are being ripped off in this market place.

 

but is the other side claiming aswell :blink:

[Fisherman Mike]

but is the other side claiming aswell :blink:

 

No the damage is minimal ( she hit the spare wheel on a 4 x 4 ) and she is going to pay it herself.

[Chard]

No the damage is minimal ( she hit the spare wheel on a 4 x 4 ) and she is going to pay it herself.

 

 

That could have caused death and destruction on a biblical scale :blink:

[artschool]

Oh, were you there? **** me, I didn't spot you either. :blink:

 

When you get into the real world, Billericay Dicky, your views might be worth listening to. Until then, you might as well stay entrenched up your own ********.

 

Have you ever driven in a city? If you had, you'd know that if every car was the "required distance" behind the one in front, there'd be gridlock.

 

Have you got one of those Veteran Motorist Warning Triangle badges on your car? 500 years of accident-free motoring. You've caused hundreds of accidents, but never been involved in one

 

i ran into the back of a woman driver who stopped unexpectedly in the middle of a traffic light junction. her words "there was a spider on my dashboard"!. very low speed accident she claimed whiplash. i went through the usual Denial/Anger/Bargaining/Acceptance.

 

but at the end of the day the law is the law and even the insurance company blokes said there is nothing i can do.

 

besides thats whats insurance is for because no one is perfect

[jonno 357]

Will the insurance go up by over £1000 if the claim went ahead. Has she paid £1000 out in repairs already ?

[Chard]

i ran into the back of a woman driver who stopped unexpectedly in the middle of a traffic light junction. her words "there was a spider on my dashboard"!. very low speed accident she claimed whiplash. i went through the usual Denial/Anger/Bargaining/Acceptance.

 

but at the end of the day the law is the law and even the insurance company blokes said there is nothing i can do.

 

besides thats whats insurance is for because no one is perfect :blink:

 

The turkey that I hit was looking for an address (apparently). I could see there was nothing in front of him for a couple of hundred yards, as we were the first away from the lights. He just anchored up, no signal, no brain.

 

He apologised profusely when he got out, obviously knew he was the **** in this equation. I didn't bother to try and dispute it, the law says it's my fault and the law couldn't be wrong could it?

 

It's obviously convenient for the law to state that the driver behind is always in the wrong, irrespective of the circumstances, otherwise the courts would be full of arguing motorists. Impossible to prove blame one way or the other, so they roll out the old keep your distance routine.

 

These perfect armchair warriors who never do anything wrong behind the wheel :lol: can puff their chests out as long as they like and get all sanctimonious and holier-than-thou, but that doesn't bother or impress me in the slightest.

[artschool]

The turkey that I hit was looking for an address (apparently). I could see there was nothing in front of him for a couple of hundred yards, as we were the first away from the lights. He just anchored up, no signal, no brain.

 

He apologised profusely when he got out, obviously knew he was the **** in this equation. I didn't bother to try and dispute it, the law says it's my fault and the law couldn't be wrong could it? :blink:

 

It's obviously convenient for the law to state that the driver behind is always in the wrong, irrespective of the circumstances, otherwise the courts would be full of arguing motorists. Impossible to prove blame one way or the other, so they roll out the old keep your distance routine.

 

These perfect armchair warriors who never do anything wrong behind the wheel :lol: can puff their chests out as long as they like and get all sanctimonious and holier-than-thou, but that doesn't bother or impress me in the slightest.

 

sounds like the same set of circumstances, she was first off the lights turning across a 3 lane junction onto a dual carriageway.

 

agree about the convienence part.

 

my wife got rear ended(ooooh errrrr) by an illegal immigrant who had no licence or insurance. wrote the car off. but she was ok. had to chalk that one up.

Edited April 27, 2010 by artschool

[death from below]

Oh, were you there? **** me, I didn't spot you either. :blink:

 

When you get into the real world, Billericay Dicky, your views might be worth listening to. Until then, you might as well stay entrenched up your own ********.

 

Have you ever driven in a city? If you had, you'd know that if every car was the "required distance" behind the one in front, there'd be gridlock.

 

Have you got one of those Veteran Motorist Warning Triangle badges on your car? 500 years of accident-free motoring. You've caused hundreds of accidents, but never been involved in one

 

 

I've only been in one accident - I stopped to let an old lady across the road in the middle of the city when some numpty from Manchester came from nowhere and hit me up the backside - I was so shocked I got out and apolgised to the Manc maniac. I think he was called Chris HARD. It was shocking.

[Chard]

I've only been in one accident - I stopped to let an old lady across the road in the middle of the city when some numpty from Manchester came from nowhere and hit me up the backside - I was so shocked I got out and apolgised to the Manc maniac. I think he was called Chris HARD. It was shocking. :blink:

 

 

Yes, I think I know him. Dashing, sort of good-looking chap.

 

I think he was awarded "Safe Driver of the Year Award" last year

[death from below]

 

Yes, I think I know him. Dashing, sort of good-looking chap.

 

I think he was awarded "Safe Driver of the Year Award" last year

 

How uncanny - that's the one :blink: