Adrian Flux Insurance - Click Here to get a quote!
'tis true. once they have paid you out for a total loss, the vehicle (and unfortunately everything in it) is theirs. Some insurers (elephant for one) even cancel the insurance policy once they've paid out on a total loss.
 
MadMan.jpg


I think I've caught Tourettes syndrome from this experience. I have been prone to outbursts of sh*t, f**k, ar*e, w*nk, bast**ds. It has quite a pleasant feeling to let it all go.
 
im with lancaster, 3rd party, and as you say, they do **** you about, BUT they were the cheapest by a looooooong way, and if you harrass them they do eventually get it sorted! HTH
 
im with lancaster, 3rd party, and as you say, they do **** you about, BUT they were the cheapest by a looooooong way, and if you harrass them they do eventually get it sorted! HTH
I'd like to say you get what you pay for, but even then I'm not sure. Used to use CU and they were brilliant on repairing a Freelander I'd bent doing a rescue on Dartmoor, which I thought they were entitled not to pay up at all on, and didn't even charge me the full excess. But when I wrote off the gf's MG Metro a few years ago they haggled, took ages and refused to pay the book price for a nice, very low mileage car. And last year they were so expensive I switched to Swiftcover at less than half the price. I'm inclined to go with the "take the minimum, expect not a lot" advice, but at the moment I've got a guaranteed full nc bonus (and I'm a cr*p driver) so I'm sticking with fully comp. And yes, some insurers do terminate the policy after a writeoff. Happened to me once many years ago three weeks after I'd renewed it.
 
I think the Co-Op do insurance and I'll go with them in future even if they're not the cheapest!

Co-op were brilliant fighting a dodgy claim I had made against my mondeo (long story)... thought I was going to be absolutely ass-raped.

Quote they gave me for my disco was near double what its worth though!
 
Had a letter from them (Lancaster)today. My underwriters have sent THEM the cheque for some reason?? I had to do all the chasing and form filling, Lancaster did sod all and sent me round five or six departments every time I rang them to get a straight answer to a simple enquiry. I dealt directly with Equity, but they send the cheque to Lancaster who have not sent it on to me, but are holding it hostage until I sign a form saying I won't pull my direct debit for the remaining period of cover. Why the fk would I do that? I've transferred the policy over to the replacement car I bought. If I cancel the direct debit, I'm not insured.

I'll sign their form and send it off, but its just one more irritating step in the saga. I think Lancaster policies should come with this warning symbol:

irriind.jpg
 
Last edited:

Similar threads