Insurance bastids

[bikerface]

So as you may or may not know on Thursday last week I hit a rock in the middle of the road which ended up with me having a bashed up rear wheel, before I checked with you guys I rather stupidly thought I would check my excess with my insurance company first.

When I called up I said I would like to know what my excess was ( i couldn't be bothered to go hunting through my paperwork) they asked why and then I said because I have had a bit of a ding I and I want to see if its economical for me to go through my insurance.
They said that's fine then started taking details of what happened, so I naturally went along with it. Anyway long story short if you log an accident and don't claim (what I did) then it is technically still logged as an accident and could affect your claim renewal price! Apparently by law your supposed to log your accident even if your not claiming!

So just be aware guys if you didn't already know! 

[Mister Fishfinger]

Yeah, I had that with my car once. Guy drove into the back of me at some traffic lights, so I rang and informed them that a claim might be coming. It was just before renewal time, so the first thing they did was send me a revised renewal quote at a higher price.

I did point out that nobody had made a claim yet, never mind decided whose fault it was. But that's the way it is. Your insurance goes up even if you have an accident that isn't your fault.

I just went to a different insurer, problem solved.

[bikerface]

Yeah, I had that with my car once. Guy drove into the back of me at some traffic lights, so I rang and informed them that a claim might be coming. It was just before renewal time, so the first thing they did was send me a revised renewal quote at a higher price.

I did point out that nobody had made a claim yet, never mind decided whose fault it was. But that's the way it is. Your insurance goes up even if you have an accident that isn't your fault.

I just went to a different insurer, problem solved.

Did you mention the incident to the new insurance company?
Apparently once its noted you need to let any new insurance company know that you had an incident for 5 years!

[Mick_J]

What shits, that means they are going to dick you if you do and dick you if you don't claim 

[Mister Fishfinger]

Yeah, I had that with my car once. Guy drove into the back of me at some traffic lights, so I rang and informed them that a claim might be coming. It was just before renewal time, so the first thing they did was send me a revised renewal quote at a higher price.

I did point out that nobody had made a claim yet, never mind decided whose fault it was. But that's the way it is. Your insurance goes up even if you have an accident that isn't your fault.

I just went to a different insurer, problem solved.

Did you mention the incident to the new insurance company?
Apparently once its noted you need to let any new insurance company know that you had an incident for 5 years!

Yes I did. I'm generally a very law-abiding citizen.

[bikerface]

Yeah, I had that with my car once. Guy drove into the back of me at some traffic lights, so I rang and informed them that a claim might be coming. It was just before renewal time, so the first thing they did was send me a revised renewal quote at a higher price.

I did point out that nobody had made a claim yet, never mind decided whose fault it was. But that's the way it is. Your insurance goes up even if you have an accident that isn't your fault.

I just went to a different insurer, problem solved.

Did you mention the incident to the new insurance company?
Apparently once its noted you need to let any new insurance company know that you had an incident for 5 years!

Yes I did. I'm generally a very law-abiding citizen.

At least you got a decent deal there is hope for me yet

[Mister Fishfinger]

...

At least you got a decent deal there is hope for me yet

You have to shop around every year anyway.

A lot of people complain that their insurance gradually creeps up each year when they renew with the same provider. The reason is that the insurance business in the UK is very competitive, so companies deliberately quote low premiums for new customers to lure them in. Once they have your business, they rely on the fact that a large percentage of people can't be bothered with the hassle of comparing quotes every year so they tend to just renew (as long as the price hasn't jumped up too far).

[zorba]

Yeah knew about this,some companies will tell you that demographics show that if you have a no fault accident your more likely to have other accidents.Just an excuse to bung up your premium,robbing scumbags.

[Kiwifruit]

You actually get hit twice the second year.
In most cases the premium goes up and the sum insured decreases.

[Mick_J]

...

At least you got a decent deal there is hope for me yet

You have to shop around every year anyway.

A lot of people complain that their insurance gradually creeps up each year when they renew with the same provider. The reason is that the insurance business in the UK is very competitive, so companies deliberately quote low premiums for new customers to lure them in. Once they have your business, they rely on the fact that a large percentage of people can't be bothered with the hassle of comparing quotes every year so they tend to just renew (as long as the price hasn't jumped up too far).

BeMoto are the exception here, they like to keep current customers so their renewal this year was the best price by a margin.

[Latty66]

Hmmm insurance

After borrowing a mates van to collect a bike i parked it on a hill applyed the hand brake jumped out and was about 50m away when i heard a car horn yes youve guessed it van rolled off into a range rover i was 3rd party covered in the van so no probs swapped details told the guy get a quote if its not to bad i.ll pay cash save him getting cat d on his car and insurance faff we both informed insurances the bill was £855 which i paid no drama then renewal time comes i have 2 cars and then had 2 bikes all different renewal times with different companys first up gsxr750 l1 £36 hike as the incident is now on record for the next 5 years they inform the other companys so next up hyundai i40 £83hike then my range rover an eye watering £730 hike which i refused to pay went online new company £288 total  then the gsx14 £26 hike . I have a clean licence i allways insure fully comp and hav 30 years no claims and now  i had a premium to pay for 5 years for a no claim which i payed myself . Dont you just love it they.ve got you by the nuts as its a legal requirment to have it

[Notty]

BeMoto for me as well £50 cheaper than any other quote and I actually did the deal by speaking to a human being !! a biker as well....

[Mister Fishfinger]

In the last couple of years both my car and my daughter's car have been hit from behind, both times not our fault and in both cases the other driver has offered to pay for the damage themselves to avoid making a claim on their insurance.

Unfortunately in both cases it was such a painful experience that I gave up and went through the insurance anyway. I waited in while people didn't turn up, made endless phone calls, one bloke went on holiday and dropped off the radar, I had Romanians get me out of bed at 8am on a Saturday morning to do a deal... You get the picture.

So not any more for me. It might cost me a bit of money, but life's too short for dealing with these people.