Help with car insurance ! Open case (No claim discount) - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Help with car insurance ! Open case (No claim discount)

scorpiostar Avatar
8y, 7m agoPosted 8 years, 7 months ago
Can anyone help me in finding a cheap car insurance. I have tried all the price comparison sites. Last year my insurance was 440pounds with 5 years no claim discount. Last may 2007 someone bumped the rear of my car and i had to claim and unfortunately my NO CLAIM DISCOUNT was not protected but when i made the claim the said i wont be loosing the no claim discount. I received my renewal quote for the next year and it says now my no claim discount is only for 3 years. Now the quote has gone to 770pounds, when i inquired they said as the case is still not solved as who is at fault i will loose the no claim discount. If later found that i am not at fault they will re instate my No claim discount. Any one who can suggest me what to do. Thanx
Other Links From Case:
scorpiostar Avatar
8y, 7m agoPosted 8 years, 7 months ago
Options

All Comments

(15) Jump to unreadPost a comment
Comments/page:
#1
look on quido go try churchill
#2
agreed go through quidco
#3
They cant take 5 years off you for 1 claim. Check it out with your previous insurer.

EDIT: sorry I misread the post. You will have to wait until its sorted but it shouldn't take long if the other driver was insured and cant dispute liability?
#4
jtx
They cant take 5 years off you for 1 claim. Check it out with your previous insurer.

EDIT: sorry I misread the post. You will have to wait until its sorted but it shouldn't take long if the other driver was insured and cant dispute liability?


Yes they can ! The OP never Protected his No Claims so it would back to ZERO unless the case is resolved.
#5
You could try Co-operative (via Quidco). I think they give around 60% for 3 years NCD.
#6
tony_s1
You could try Co-operative (via Quidco). I think they give around 60% for 3 years NCD.


Thanks, I tried with them 880 Pounds. 70 quidco (so 810):thinking: or i have to just go for third party may be.
#7
Mecoconuts
Yes they can ! The OP never Protected his No Claims so it would back to ZERO unless the case is resolved.


No they cant, hence they took 2 years off the OP:p:roll:
#8
scorpiostar
Thanks, I tried with them 880 Pounds. 70 quidco (so 810):thinking: or i have to just go for third party may be.


try the tesco value insurance website or churchill
#9
i was quoted £351 with 9yrs no claims it had gone up from last year a total of £70 i asked how this worked but the operator could not help me so i surfed the web and i got it for £244 with Kwik Fit insurance and it was with the same company i asked myself again how does this work
banned#10
This doesnt sound right at all!!!!

If someone drives into the rear of your car it should be an open and shut case, ie you are not to blame and therefore your NCB isnt affected. There is no reason whatsover that a bump that occured last May has not been resolved and in itself their answer is taking the mick.

All insurance companies are governed and I would suggest you should go back to your insurer and tell them you will be taking the matter to them. Argue firmly with them - but do not be rude. Heres a link to assist.

It sounds pretty straight forward to me - unless the accident isnt quite as clear as it sounds. Car you describe the details of what happened? ie You didnt reverse into someone did you?
#11
The accident is quite simple, i was on the third line of the roundabout stationary indicating right for 3rd exit by the white lane when the defendants vehicle hit me at around 30-35 mph she came out of the car and apologized and she called her father for help who lives around the corner when i asked for the insurance details. He was suggesting me not to claim as i will loose my no claim discount and so on.... but as you all are saying as it is a open and shut case If someone drives into the rear of your car i had to claim. Now the defendants are claiming i was reversing back but as per my solicitor i am not at all in any fault and they can't prove that i was at fault . My hearing is somewhere in June i am keeping my fingers crossed as what will happen to this case.
banned#12
scorpiostar;1951956
The accident is quite simple, i was on the third line of the roundabout stationary indicating right for 3rd exit by the white lane when the defendants vehicle hit me at around 30-35 mph she came out of the car and apologized and she called her father for help who lives around the corner when i asked for the insurance details. He was suggesting me not to claim as i will loose my no claim discount and so on.... but as you all are saying as it is a open and shut case If someone drives into the rear of your car i had to claim. Now the defendants are claiming i was reversing back but as per my solicitor i am not at all in any fault and they can't prove that i was at fault . My hearing is somewhere in June i am keeping my fingers crossed as what will happen to this case.

OK, so the problem here is the fact the driver in the other car is now claiming you reversed!

I'm no expert, but if she hit you at 35mph as you said, the damage will be substantial. Whereas, it would not be possible to achieve that speed in reverse if the accident happened at the junction - unless of course you were reversing the wrong way round the round about first to pick up some speed!

Its a great pity you didnt get some photos - because they wouldnt have a leg to stand on if you were literally on the junction. As it stands, its a question of probability and no court in the country would rule against you on what you have described. Have you asked your Insurer what exactly is it that is holding things up? Even though this happened a long time ago, I would be tempted to go to the Police and get a prosecution going for dangerous driving - so it goes to court and they have to tell their cock and bull story under oath!

I had something similarish happen to me. The accident was my fault (as the law goes), but it was what they were trying to claim that made me try to ensure they didnt get paid for the damage I didnt do! Basically I was turning right in the central reservation and was parallel with their car. The road was clear, he pulled forward, I check the road was OK for oncoming traffic and also went forward. Unfortunately he had changed his mind and stopped! my door mirror scrapped the side of his rear door column. He however, claimed I didnt do that - but caved in the front passenger door - which was rusty as hell! I let my insurance company know of the scam and was assured his insurance company wouldnt let it go ahead. Unfortunately they did. I was always at fault - so it was just a question of not being taken for a ride. It went to court in the end. The guy was caught out so many times (by claiming the damage I admitted, wasnt there - but was on the engineers report! There were a few others fibs as well - but without proof on my part, he got away with it! Your case is pretty much straight forward though!

So, if it were me, I would be writing to the FOS as shown in the link, contact the police regarding the dangerous driving and subsequent lies (which they should be able to report on to help your case - even if they dont move it forward!) Then I would telephone your insurer to let them know your actions and that you will be putting this in writing to them because its clear they are trying it on to try to claim more money from you. I would insist that you get site of the engineers reports for both cars also and the other parties testimony on events.

I doubt anything will happen before your renewal date, but you should get there in the end and it will give them something to think about! I cannot see how they can justify this taking 13 months to resolve! What is the name of your insurer by the way?
#13
Thank you guv for you your guidance, In regard to reporting to police ; If i report it to the police what will be the next action from them, will they not ask me why it took so long to report. i also don't have anything in writing to say that the other driver is claiming me i reversed. i was thinking as the case is still pending and the insurance and solicitors and insurers are all involved if i report it and then it will create a mess in this case so i was thinking why not we wait for the hearing of the case and then report ?

One more point i forgot to mention is immediately after the accident( 1 minute) i called up the police and explained what happened they have told me as there is no traffic jams and as no one is injured just exchange the insurance details of each other and move on. She also apologized when she came out of the car these points are mentioned on the case sheet. I don't know whether this will be a crucial evidence of me being not at fault.

I am insured with Esure.
banned#14
Doesnt matter about the time delay. Explain why you are asking them to take it up, hopefully they recorded the details at the time and that will help your case. Tell them the problems you now have from this by them admitting the blame and now lying to get out of it and how its affecting you.

I'm not saying they will take the case on, but at least insist they give you some sort of reference, preferably acknowledging that you did call when it happened.

Obviously make sure those details are given to your insurance company! And ask them if you reversed into someone who had just admitted hitting you, why on earth would you call the police in the first place to attend if it wasn't true!
#15
guv
Doesnt matter about the time delay. Explain why you are asking them to take it up, hopefully they recorded the details at the time and that will help your case. Tell them the problems you now have from this by them admitting the blame and now lying to get out of it and how its affecting you.

I'm not saying they will take the case on, but at least insist they give you some sort of reference, preferably acknowledging that you did call when it happened.

Obviously make sure those details are given to your insurance company! And ask them if you reversed into someone who had just admitted hitting you, why on earth would you call the police in the first place to attend if it wasn't true!

Gr8 let me do it then.

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!