MrJC
Well-Known Member
Unless you have had to make a claim I thought I would share my recent experience with you.
I have fully comp and protected no claims bonus with a well known company who cater for old fookers. I have my Landy and my VW Passat insured with them. My excess is £200.
2 weeks ago I parked the VW in Asda and as I walked away heard a bang and saw some daft sod had run into the wing. No probs... exchanged details and I contacted my insurance. 20 minutes on the phone.. job sorted. Or so I thought.
Later I got a call re a replacement vehicle (as per my policy). I was asked if I had another car and said yes. Well you don't need a hire car then do you... I said I wasn't bothered, I just wanted my £200 excess sorting and the car fixed in due course. You dont have 'legal protection' but we can sort it for you. Fine I said.....
I then got a call off Direct Line (the other guys insurance) they asked if I was okay and said they admitted liability. They asked if I wanted them to sort it out. I said the ball was rolling now and I would leave it thanks.
A couple of days later I get a letter with a big questionare from solicitors to fill in from my Insurance Co. I am not impressed.....
I then get a call off my Insurance saying once I had completed the form they can claim my excess back..... okay, thats all I want. Then they said.....'that will be £41 as you have to buy the legal protection'.
I rang the other guys insurance, Direct Line and asked if the offer was still open.
They told me to save costs and keep premiums down this is what they do. They offered to collect my car within a week and have it repaired at an approved garage, no cost to me.
So I rang my Insurance and cancelled my claim... what a fuss and I wasn't even in my car!
So.... If someone bumps you it is well worth contacting the other parties Insurance and see if they want to sort it.
When I apply for Insurance to another company I HAVE NOT MADE ANY CLAIMS in the last 5-25 years.
Legal protection is worth considering.
I was told that all my Ins had to do was attach my proof of payment of £200 and they would have paid it out. No need for solicitors.
Seems some ins companies are selling off claims like mine to solicitors who make lots of money out of a 'nothing' claim.
My car was collected yesterday and will be returned early next week... job sorted, no claims in the last 25 years is kept, no £200 paid out to claim back later. Worth bearing in mind if you get bumped.
I have fully comp and protected no claims bonus with a well known company who cater for old fookers. I have my Landy and my VW Passat insured with them. My excess is £200.
2 weeks ago I parked the VW in Asda and as I walked away heard a bang and saw some daft sod had run into the wing. No probs... exchanged details and I contacted my insurance. 20 minutes on the phone.. job sorted. Or so I thought.
Later I got a call re a replacement vehicle (as per my policy). I was asked if I had another car and said yes. Well you don't need a hire car then do you... I said I wasn't bothered, I just wanted my £200 excess sorting and the car fixed in due course. You dont have 'legal protection' but we can sort it for you. Fine I said.....
I then got a call off Direct Line (the other guys insurance) they asked if I was okay and said they admitted liability. They asked if I wanted them to sort it out. I said the ball was rolling now and I would leave it thanks.
A couple of days later I get a letter with a big questionare from solicitors to fill in from my Insurance Co. I am not impressed.....
I then get a call off my Insurance saying once I had completed the form they can claim my excess back..... okay, thats all I want. Then they said.....'that will be £41 as you have to buy the legal protection'.
I rang the other guys insurance, Direct Line and asked if the offer was still open.
They told me to save costs and keep premiums down this is what they do. They offered to collect my car within a week and have it repaired at an approved garage, no cost to me.
So I rang my Insurance and cancelled my claim... what a fuss and I wasn't even in my car!
So.... If someone bumps you it is well worth contacting the other parties Insurance and see if they want to sort it.
When I apply for Insurance to another company I HAVE NOT MADE ANY CLAIMS in the last 5-25 years.
Legal protection is worth considering.
I was told that all my Ins had to do was attach my proof of payment of £200 and they would have paid it out. No need for solicitors.
Seems some ins companies are selling off claims like mine to solicitors who make lots of money out of a 'nothing' claim.
My car was collected yesterday and will be returned early next week... job sorted, no claims in the last 25 years is kept, no £200 paid out to claim back later. Worth bearing in mind if you get bumped.
