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I don't think there's much difference between brokers and straight up companies, having dealt with both. They're all crooks and can legally extort you.
Also of note, any accidents that get reported to the insurer, almost all, pass your number on to ambulance chasing lawyers who will pester you to the point where you threaten violence against them if they ring again.
I had a guy caught on my rear facing dashcam hit me up the rear end last year.
Even recorded his apologies and admittance to fault.
What did I get for my 9 years no claims and pass plus courses? Insurance premiums went through the roof.
Im 28, drive a diesel megane and have never had a claim, 9 years driving experience and the same for ncb. (Which by the way has never discounted me because year on year the costs go up and the 'discount' is then not a discount).
Why did my premiums go up for a non fault accident then?
The exact words of my insurer were 'Because our statistics show youre now more likely to have an 'at fault accident', and this non fault claim still counts as a claim.. so you now have to declare that for the next 5 years'
Brilliant!
My premiums were never south of £1100 a year, now theyre higher. Because some idiot was tailgating and then hit me!
I guess any ok paid job would alleviate some of this but for us on nmw thats too much. Especially as I followed the rules and got penalised for it.
I simply cannot afford it anymore, and its doubly gutting because not only do I rely on driving to enable me to get to me old mams and work, but I love cars and I love driving.
But make no mistake, if you dont notify your insurance you'll get raped even harder!
N remember, ALWAYS swap details at the scene. If you dont (for whatever reason) then you MUST notify the police within 24 (iirc) hours to keep yourself the good side of the law.
Last thing you want is those guys on your back as well as theiving insurers!
When I got my BMW 125d 2 years ago I had 3 points for speeding and made a claim 4 years previous for writing off a car (hit a tree), and I live in Northern Ireland which has generally more expensive car insurance, and my premium was only about £650.
I now drive a Golf GTD and plan to get my wife a Golf GTI in the summer, and insurance on both cars for both of us should be around £1000 in total.
£1100 on a diesel Megane seems ridiculous with 9 years NCB.
If they call you you just say the words 'do not call me again' and hang up. Then if they call you, you can report them for harassment.
In some senses insurance companies are amoral. They don't care if you've got penalty points, only if you having points makes it more likely that you will make a claim. It's based on statistics, not a moral judgement.
Six points for going a bit too fast.
When I got my car renewal, it went up by £200 but when I checked I saw they had put 9 points on. I got three points removed and that meant the increase was only £70.
My bike insurance isn't due till June - so I will try to keep my stats clean until then - and my morals can go to hell.
a friend who had an Audi s5 who lived in the next town on had his license revoked for a year for speeding.
Still had cheaper insurance than me!
Same age etc. Only real difference between us was the motors and the postcode, but the postcode was still Rm for both of us..
I could get it slightly cheaper if I raise my voluntary excess to £500... but thats over half a months wages so thats not happening! Some will only insure If I have a black box fitted etc..
Tried different insurers, different cars (a £500 autotrader 1.2ltr job, up to a 1.6 hatchback, focus or similar), hell it must just be my name or something... nothing else seems to bring it down!
I've entered allsorts of made up details on the comparison websites such as a million years ncb, jobs and what the cars used for etc just to see if I can pinpoint what it is thats causing it to remain so high.
its just frustrating, I remember always being told it drops after you turn 25, but that was 4 years ago and its only ever gone up.
Each year I change insurers normally, as their renewal prices come in about 50% higher than what I've just been paying.. this year however the renewal price was the exact same so just stuck with em.
I dunno. Pay all this money and in the event of a non fault accident, you still get penalised by higher premiums...
Who regulates these firms?!?
So, sounds like the car will be fine, but, whether I get hike in premium is yet to be seen.
He's glad he did, because upon reporting it to the insurance company he was told because there were no cameras on that stretch of motorway where the collision happened and there were no witnesses, it would be his word against the other driver and it would just get thrown out.
If there were witnesses/any evidence that it wasn't your fault that may go in your favour, but it sounds like you're sorting it out anyway.
Now by just reporting the incident his premium went up by a ridiculous amount. My mate challenged this and was told he had to wait a certain amount of time (perhaps 3 months) to see if the other guy comes forward to report the incident. He didn't and my mate got a refund on the extra they charged him.
So be aware of that because all he did was report it, not make a claim (which he couldn't because he accepted cash at the scene anyway), they hiked his price and would have stayed like that had he not challenged it.