An Insurance tale

Post by **paul bristol uk** » Tue Nov 13, 2012 11:35 pm

So I have had the Soarer a year next week and I get a renewal notice from Admiral that it has gone up to £510 from £230, so off I toddle to Go Despair and get some quotes the best was Elephant at £203 with windscreen cover thown in and a total excess of £350 instead of £600. The website also stated that Admiral declined to quote. No matter £203 was fine for me so I give them a bell quoting the referance they gave me.
Elephant said they were part of the same group as Admiral but would transfer me across to them. Spoke to Admiral who said they would stick with Elephants price of £203 except because I had a no fault accident it would be another £69.50 on top bringing it up to £272.50. I said I was not in the car I did not claim the 3rd party accepted all liability and paid for the repair immediately and they (Admiral) thanked me for imforming me of the incedent and the matter was closed and it would not affect my NCB.(they did not tell me it would affect my premium though! The bit that leaves a bad taste is I can have my parked car hit, the third party owns up their insurance company pays up without any problem and I end up with paying an extra £69.50 for the privalige of doing everything right. Doing the sums on the next quote this lot still worked out cheaper so I went with them in the end as I could not be arsed to go through all this again. Perhaps I should not have ever mentioned the car being hit but I am sure the Insurance Business is like the KGB and if I did have an accident they would use that as an excuse to throw out the claim.

mercutio · Post by **mercutio** » Wed Nov 14, 2012 7:27 am

the problem is paul that will affect your insurance for the next five years its all the fault of these crash for cash bastards

Post by **vanzep** » Wed Nov 14, 2012 8:42 am

That cant be considered fair in any respect

on the bright side - your insurance premium isnt that bad

Shiny · Post by **Shiny** » Wed Nov 14, 2012 9:29 am

If i may bore you with some interest facts....

Now the public strive for cheaper insurance, so the insurers fine tune their rates to the point that tiny little factors can have an effect on a premium, based on their data supplied to the actuaries.

Not all insurers load for non-fault accidents, in fact most of the traditional insurers don't. But when using bucket insurers that attract the premium driven "go compare" audience where every penny counts, then the rating for profitability is a lot tighter.

In most circumstances, if you have a non fault accident, your own insurers deal with the claim, inspect and pay for repairs to your car. Then they pursue a claim against the third party to reimburse their outlay. From a business model, dealing with a "non-fault" claim has in effect cost the Insurers money as they have had to pay claims staff, pay out money and then claim it back. They can't claim back their operating costs to deal with a claim. So the fact is if someone has been claim free, then they are actually more profitable risk than someone who has a non fault accident.

In Paul's case, the TP Insurers dealt with the claim direct and his own insurers were not involved. So strictly speaking he hasn't cost the Insurers any more than someone who hasn't had a claim. But sadly the rating works on either a "fault" or "non-fault" claim basis and then doesn't differentiate beyond this.

And yes the claim will probably be registered on CUE (Claims & Underwriting Exchange) so it will bite you in the arse later if you don't disclose it.

Post by **paul bristol uk** » Wed Nov 14, 2012 9:47 am

Thank you for clarifying it Shiny. That is why I disclosed it as I had a feeling they were as thick as theives with each other.

Shiny · Post by **Shiny** » Wed Nov 14, 2012 10:03 am

They have to be mate, the CUE has been around a while now, too many lying bastards around.

Started off with Household fraud, people who would claim for a new TV and Video, swap insurers at renewal and say they had no claims, then claim for a new watch and cooker, then swap again the next year and say they had no claims etc. There was no way of checking to prevent fraud so they got away with it.

Post by **Lude-dude** » Wed Nov 14, 2012 11:17 am

aviva have got to big for there own good..

try being a broker for them, something called real time rates, which they cant sort out properly

it means I can quote a customer no charge to change a vehicle, if they ring back 10mins later run it through again its suddenly £50, then later a different price...

how the hell do I explain that to a customer?

Shiny · Post by **Shiny** » Wed Nov 14, 2012 11:24 am

newkid wrote:Insurance in this country is a joke.

One of the worst companys to deal with is Aviva and for the way they treated one of my mates id never recommend them to anyone. They put him down as a non fault claim that affected his insurance for 3 years that actually led to him struggling to get insured. All this came about from a car he sold on a friday with proof and the guy who bought it hit a parked car on the saturday and did a hit and run. Now on the friday my mate contacted Aviva and swapped the insurance over to his new car, yet they still paid out for his old car that was in the hit and run on the saturday. Even when police got involved they said due to them paying out for the repairs, even tho my mate wasnt insured on that car at the time, there was no way they could remove the non fault claim.

That doesn't ring completely true. If the insurers paid due to the MIB enforcing it (perhaps if the vehicle was still on the MID) then this should not have affected your mate. I'm sure there is more to this story, perhaps your mate is missing some vital parts when he told it to you, or is often the case, has completely misunderstood things and got it wrong. And the police haven't got a clue how insurance works, so i doubt they would be giving out advice on where he stands with his NCB. They are usually wrong 9 times out of 10 where insurance is concerned, not that they should be involved in giving out insurance advice anyway, they aren't qualified or authorised to do so.

Lude-dude, can't you archive the quote and use the archived quote when processing the actual change? Our system is a bit different because it is in-house, but we don't have many problems with Aviva, only when their hub is down (which is often

)

I hate car insurance anyway, commercial is much more rewarding

Post by **Lude-dude** » Wed Nov 14, 2012 3:55 pm

Shiny wrote:
newkid wrote:Insurance in this country is a joke.

One of the worst companys to deal with is Aviva and for the way they treated one of my mates id never recommend them to anyone. They put him down as a non fault claim that affected his insurance for 3 years that actually led to him struggling to get insured. All this came about from a car he sold on a friday with proof and the guy who bought it hit a parked car on the saturday and did a hit and run. Now on the friday my mate contacted Aviva and swapped the insurance over to his new car, yet they still paid out for his old car that was in the hit and run on the saturday. Even when police got involved they said due to them paying out for the repairs, even tho my mate wasnt insured on that car at the time, there was no way they could remove the non fault claim.
That doesn't ring completely true. If the insurers paid due to the MIB enforcing it (perhaps if the vehicle was still on the MID) then this should not have affected your mate. I'm sure there is more to this story, perhaps your mate is missing some vital parts when he told it to you, or is often the case, has completely misunderstood things and got it wrong. And the police haven't got a clue how insurance works, so i doubt they would be giving out advice on where he stands with his NCB. They are usually wrong 9 times out of 10 where insurance is concerned, not that they should be involved in giving out insurance advice anyway, they aren't qualified or authorised to do so.

Lude-dude, can't you archive the quote and use the archived quote when processing the actual change? Our system is a bit different because it is in-house, but we don't have many problems with Aviva, only when their hub is down (which is often )

I hate car insurance anyway, commercial is much more rewarding

yes we can save the quote and its valid, but if it gets deleted by mistake, or change the date/time

we have been moving more and more towards commercial, only matter of time really

car insurance is royal pain..

Shiny · Post by **Shiny** » Wed Nov 14, 2012 7:13 pm

That is still not right.

The MIB may have made Aviva pay if the car was still on the MID, but this would not have have affected your mate's insurance if he had told Aviva that he had sold the car the day before.

This wouldn't have been Aviva's choice to pay, but they would under the terms of the MIB arrangement, but this would have nothing to do with your mate's own policy.

If the new owners insurers had paid the claim, then Aviva could have closed this off without detriment to your mate's own record.

Was it their Indian call centre?