Bastards!

[Wapping]

I suspect that what he meant was to only answer what they specifically ask as opposed to telling them things they've not asked for.....

Very good advice.

Quite why some bods enter into debates with the chimps on the other end of the line is beyond me. It’s very simple, just answer the very basic questions truthfully. Millions of people manage to do it every year, without too much difficulty.

That the government and the regulator needs to run a steamroller over some of the ‘wild west’ practices of some of the insurance intermediaries ‘selling’ the product, is another matter entirely. Why they haven’t, is another mystery. That some buyers also need a kick up the arse, is also true, too.

 

[ymfb]

We have learned the hard way, one of our daughters had a very low speed crash into a tree. We decided to scrap the car and buy another, no insurance company involved. Because the other daughter had a black box installed the insurers knew and you can guess the rest.

We haven’t claimed for many things just because it’s not worth the hassle.

 

[Pepsi]

I suspect that what he meant was to only answer what they specifically ask as opposed to telling them things they've not asked for.....

Yes exactly that. Answer questions as succinctly as humanly possible without coming across as being blunt. If they ask a closed question answer it with a Yes or a No, that’s all they need.
They’re like Gremlins, never over feed them.

 

[rovert57]

No.

Your protected NCB was a part of the contract you entered into with your existing insurer. Your contact with them ceased:

A. At renewal, assuming you didn’t renew with them.

B. The moment you switched to the new insurer of the vehicle.

Nowadays NCB’s are not so often expressed as a percentage. More commonly they are expressed in years…. “I have 10 years’ NCB” for example.

They are pretty much out of date now, as they hark back to a time when there was very little choice of insurer and / or little market to shop around into. They should drop the silly things, as they only serve to confuse.

Other than that, Motor insurance is the wild west of consumer driven insurance; if we treated our ‘professional’ buyers of (re)insurance the same way, we’d be:

A. Fired / sacked.

B. Talking to the FCA, probably with the help of a lawyer.

That’s what I understood it was .and as I rarely stay with the same insurer ( shop around at renewal time ) I don’t bother getting protected no claims .
I had a write off years back and I only lost two years no claims as a result.

 

[Wapping]

I had a write off years back and I only lost two years no claims as a

No doubt your ‘write off’ was many times your annual premium.

While, contrary to what many think and say, Motor insurance is not an investment; it’s a contract of indemnity, it often provides a very reasonable ‘return’.

Not least, it may well be your only ‘mate’ when your vehicle is in pieces in the road, there is a vacant gap where it was last left (“I was only gone a minute”) or, heaven forbid, you hit that gaggle of nuns at the bus stop.

 

[rovert57]

No doubt your ‘write off’ was many times your annual premium.

While, contrary to what many think and say, Motor insurance is not an investment; it’s a contract of indemnity, it often provides a very reasonable ‘return’.

Not least, it may well be your only ‘mate’ when your vehicle is in pieces in the road, there is a vacant gap where it was last left (“I was only gone a minute”) or, heaven forbid, you hit that gaggle of nuns at the bus stop.

Mind you they did try and lowball me in regards to the value but I suppose that’s all part of the dance.

 

[Wapping]

Mind you they did try and lowball me in regards to the value but I suppose that’s all part of the dance.

The little monkeys.

No doubt your negotiating skills triumphed, out manoeuvring the chimps at every turn.

 

[rovert57]

The little monkeys.

No doubt your negotiating skills triumphed, out manoeuvring the chimps at every turn.

On that occasion yes with a little help from MCN Classified and auto trader mag .

 

[GSite]

If you can, never disclose anything to your insurance company!

Dangerous strategy. Failure to disclose could mean no cover (check T&Cs) and in the event of a personal injury claim that could bankrupt you for life.

 

[oblertone]

Point of order here: Running over nuns should not be cause for a claim, unless of course you hit the bus stop as well.

 

[ATT]

Point of order here: Running over nuns should not be cause for a claim, unless of course you hit the bus stop as well.

Would you like counselling at some point in the future?

It is clear to see that you are not fully able reconcile what occurred to you in your formative years and I feel I am able to help you, along with my fat simian arse.

 

[Pepsi]

Dangerous strategy. Failure to disclose could mean no cover (check T&Cs) and in the event of a personal injury claim that could bankrupt you for life.

I’ll take my chances. How many people on here I wonder have either had their ECU’s flashed etc or fitted Power Commanders to smooth out the running of their bikes or cars and not told their insurance companies. Insurance companies get enough money without giving them reason to hike up their prices.

 

[Davey B]

Dangerous strategy. Failure to disclose could mean no cover (check T&Cs) and in the event of a personal injury claim that could bankrupt you for life.

If you look at #20, #21 and #23 you'll see that what was meant was to only divulge what is asked for. The only 'dangerous strategy' aspect of that may be if the insurance co bod asks something like "is there anything else you think we should know?" altho I've never been asked that and if I was, I'd ask them to be specific. Specifics matter.