walshie Posted April 11, 2017 Report Share Posted April 11, 2017 (edited) We were sitting down the seaside in our truck last Summer eating ice cream (butter pecan if I recall correctly) when we felt the truck rock a little. I looked at my passenger to see what he was doing and then we felt another nudge. We got out and this bloke was trying to park behind me and kept bumping into my towbar. Twice when we were in the vehicle, twice when we got out and once after I told him to stop ramming my truck. He asked me if I could move forward a bit - you can imagine my answer. I got my insurance renewal through recently and although it didn't affect the price, under "claims" in the policy schedule it said I had a claim in July last year! The only reason they know of this is because the idiot who couldn't park informed them and we are both insured with the same company. They assured me it was "notification" only, but I don't know why it is against ME personally when there are several people insured to drive it. That can't be right. That means I could notify my insurance company I hit a car with any random number plate i could think of and they would have a "claim" against them. Edited April 11, 2017 by walshie Quote Link to comment Share on other sites More sharing options...
Davyo Posted April 11, 2017 Report Share Posted April 11, 2017 In situations like this you don't know who to be more angry with,the idiot who bumps you or the slimy insurance company. Quote Link to comment Share on other sites More sharing options...
Westley Posted April 11, 2017 Report Share Posted April 11, 2017 At least you were there to witness the incident and check for damage. I am without a vehicle for a week and will be £250 lighter at the end. Thanks due to a suspected 4 x 4 in a Chester multi storey, I have what appears to be 'spare wheel damage' to the tailgate on my vehicle. Quote Link to comment Share on other sites More sharing options...
Red-dot Posted April 12, 2017 Report Share Posted April 12, 2017 Unfortunately it's a no claim policy not a no blame policy they use. Quote Link to comment Share on other sites More sharing options...
wascal Posted April 12, 2017 Report Share Posted April 12, 2017 Unfortunately it's a no claim policy not a no blame policy they use. It's your fault for being near bad drivers Quote Link to comment Share on other sites More sharing options...
JDog Posted April 12, 2017 Report Share Posted April 12, 2017 It's your fault for being near bad drivers I agree. And who eats butter pecan? Quote Link to comment Share on other sites More sharing options...
7daysinaweek Posted April 12, 2017 Report Share Posted April 12, 2017 I agree. And who eats butter pecan? Quote Link to comment Share on other sites More sharing options...
SimpleSimon Posted April 12, 2017 Report Share Posted April 12, 2017 Ha! Insurance... Just scrapped the wife's motor and bought her something newer/better. Got quotes before buying for her current car vs the new one and they came out about 200 quid cheaper for the new car. Great. Called Admiral today to ask about changing the car (we're on a multi car policy) and they wanted an extra £189. Told him that would make it almost twice the cost of insuring the car on its own policy when you consider the price I was already paying for the older car, to which he basically said "too bad" and tried to fob me off with some bull about how I might get a discount at renewal time. Told him to shove it, and they ironically now owe me a refund of more than the amount he wanted to increase the premium! Quote Link to comment Share on other sites More sharing options...
shalfordninja33 Posted April 12, 2017 Report Share Posted April 12, 2017 Direct line increased my premium by £800.00 last year when someone drove into me as I'd had a non fault claim. They were amazed when I cancelled it. Insurance in the biggest con going, Direct line treated me appallingly during the claim , I had to threaten to sue them to get a fair settlement, previously I was happy to pay slightly more for insurance form one of the larger brands, not any more I get the cheapest now. The whole industry is a massive scam. Quote Link to comment Share on other sites More sharing options...
walshie Posted April 12, 2017 Author Report Share Posted April 12, 2017 I think recording a "claim" against me personally when they didn't even know who was "driving" and saying a recovery had been made on this claim is borderline fraudulent. Quote Link to comment Share on other sites More sharing options...
hodge911 Posted April 12, 2017 Report Share Posted April 12, 2017 Similar happened to me 2 yrs back . I got knocked out of bed in the early hours by a person telling me my car was on fire . FF I rush downstairs and outside to see the front scuttle under the windscreen on fire so a bucket full of water put it out. it needed a new scuttle new air box for the interior fan and a cracked screen . I rang my insurance company to tell them what had happened (fire was caused by one of those Chinese lanterns landing on my car) After informing the guy of the damage he straight away said that the car would written off .......not what I wanted to hear as I had just spent £350+ on the car for mot . so after a short discussion I said was not going to claim and to cancel the claim . I fixed the car myself for just a few quid and all was well until renewal come threw and on the letter of renewal was the fire incident marked as a non fault incident but now when I search for insurance I have to declare it as most companies ask about it and take it into account with thier premium . so annoying as I in my eyes do not make a claim Quote Link to comment Share on other sites More sharing options...
Lord O War Posted April 14, 2017 Report Share Posted April 14, 2017 Moral of the story is don't claim unless you absolutely have to. Quote Link to comment Share on other sites More sharing options...
saddler Posted April 15, 2017 Report Share Posted April 15, 2017 Having the recent no fault cat c damage to my car (olde **** in wrong lane turned into me on roundabout), I was told it'd be easy to continue my policy with the replacement car. Phoned to add it. No problem, that'll be another £52 Er....ok, I'll probably cancel then. No problem, that'll be a £53 fee to pay! Muppets. Quote Link to comment Share on other sites More sharing options...
al4x Posted April 16, 2017 Report Share Posted April 16, 2017 Moral of the story is don't claim unless you absolutely have to. Unfortunately it's worse than that don't tell them anything unless you have to Quote Link to comment Share on other sites More sharing options...
Pistol p Posted April 17, 2017 Report Share Posted April 17, 2017 The only good thing about this is that I'm making a good living out of people who come to see me with light panel damage who are not wanting to go through their insurance. Sometimes both parties turn up together. As long as the price is reasonable and they are happy they get booked in. Quote Link to comment Share on other sites More sharing options...
theshootist Posted April 24, 2017 Report Share Posted April 24, 2017 (edited) I think recording a "claim" against me personally when they didn't even know who was "driving" and saying a recovery had been made on this claim is borderline fraudulent. You could take it to the insurance ombudsmen. http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance.html Edited April 24, 2017 by theshootist Quote Link to comment Share on other sites More sharing options...
walshie Posted April 24, 2017 Author Report Share Posted April 24, 2017 You could take it to the insurance ombudsmen. http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-insurance.html Thanks. I already have. They said it didn't sound right and are getting all the info sent over to look into. Quote Link to comment Share on other sites More sharing options...
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