Car Insurance Question!

[BarnsleyBrewer]

I know this is the wrong forum , but one of you guys may know the answer to this...

I went into the back of someone last month, and I told the lady "I'll pay for any damages, dont bother going through the insurance". She agreed and we went our seperate ways.



I was always under the impression that as long as I paid for the damages - legally that's all I need to do. Can they really force me to go through the insurance company? I dont want to lose my 3 years no claims :evil:

ARRGHH!

Same thing happened to my mate at work, he had a slight bump with someone and agreed to pay for the damage, 1 month later he was hit with the insurance and no proof he'd paid them for the damage.
I told him at the time to go through the insurance but he didn't.

<<<<<WHIPLASH>>>>> = £2,000 - £3,000 :shock:

 

[hairybiker]

<<<<<WHIPLASH>>>>> = £2,000 - £3,000 :shock:

That was ALL I got for a motorbike accident where the guy pulled out in front of me causing me to go for flying lessons :cry:

And that was after TWO years of insurance wrangling where my insurance company treated it as MY FAULT and wiped my ncb.

Also this year went to re-insure the bike after being off road for a couple of years and was told my 4 years NCB was invalid and I only had 2 now, due to a claim AFTER I had received the ncb notice. And a claim I have no knowledge of (apparently a HEAD ON accident on my bike :ugeek: how could I forget that?), my previous insurance company will not give me any details so I have to now re-build my ncb again.

 

[Cyclops]

insurance is a rip off, however i got my insurance for the bike this year, £51.50 :)

 

[Aleman]

Any one else notice that the Spammer resurrected a two year old post :whistle: :whistle:

Mine has gone up by 200 quid this year . . . My only accident (my fault) was in 2008 . . . and it didn't go up after that. . . . Time to look for a new provider :hmm:

 

[BarnsleyBrewer]

Any one else notice that the Spammer resurrected a two year old post :whistle: :whistle:

Mine has gone up by 200 quid this year . . . My only accident (my fault) was in 2008 . . . and it didn't go up after that. . . . Time to look for a new provider :hmm:

Mine was the same Tony, went up by £180.00, and being from Yorkie land that was a NO-NO. :twisted:

Try this search engine and this cashback site.

CONFUSED

TOP CASHBACK

The cheapest I found was RSA (Royal Sun Alliance)
BB

 

[dennisking]

It's wise to look around each year, they play on the fact you will just renew. Swapped to Direct line from Admiral, big saving.

 

[dennisking]

I also avoid sites with opera singers and meerkats as the bloody adverts drive me craze.

 

[Runwell-Steve]

I'm with direct line, my insurance went up 50 quid this year, I was gutted so I shopped around. The closest quote I could find was 200 quid more than direct Line. I think ill stick with my 250 a year for now.

 

[Baz Chaz]

Protecting your NCB counts for nothing these days. Even if it's protected, if you have an accident, fault or non fault, it WILL affect your premium price the following year.
I found this out the hard way and ever since I've not protected my bonus...robbing gets :evil:

And why is it you can only have 5 years max NCB, even when you've driven claim free for 17 years :evil:

Have to agree with this one, I had my car pranged by a young guy while it was parked, went through insurance and on renewal my insurance, (I stayed with the same company), actually went DOWN by £10 :shock: so yes it WILL affect your premium :? :!:

 

[Aleman]

Try this search engine and this cashback site.

CONFUSED

TOP CASHBACK

The cheapest I found was RSA (Royal Sun Alliance)

Cheers mate - You could have saved me over 300 quid . . . . from the same provider :shock: Ok anyone want to tell me how that one works out :hmm:

 

[BarnsleyBrewer]

I forgot to state on earlier post that the premium for my 306 I use for work was cheaper on fully comp than third party fire and theft......... :wha:
I clicked on fully comp by accident and couldn't believe/understand why it was £100.00 cheaper.

Years ago it was.....
1. Third Party (cheapest)
2.Third party fire and theft
3.Fully comp (Expensive)


Little pud