Found 22nd Mar 2009
Looks to be a write off, i had 0 no claims anyway, but how much is my insurance likely to go up by?

It was only a 1.1 saxo and i paid £700 for the year fully comp, when i get a new car what happens to the insurance policy ive already got?

No1 was injured, well got a bit of whip lash but its all good.

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29 Comments

who's fault was it.

oooooops! what happened?

maybe they will get back to us, ask a question then leave..................

Original Poster

wickedteen;4711649

maybe they will get back to us, ask a question then … maybe they will get back to us, ask a question then leave..................



Calm down dear. Its only been 9 minutes.

It was my fault

First claim is usually not too much of a problem unless you're very young (17 or 18) or you caused a lot of expensive damage to someone or something else.

Your existing policy should be transferable unless, for some reason your insurance company decides to cancel it. You may need to shop around a bit at renewal.

Original Poster

I came round a corner and the traffic had stopped, cue brakes, skids (in my pants too), smash, air bag etc

Original Poster

tony_s1;4711672

First claim is usually not too much of a problem unless you're very young … First claim is usually not too much of a problem unless you're very young (17 or 18) or you caused a lot of expensive damage to someone or something else. Your existing policy should be transferable unless, for some reason your insurance company decides to cancel it. You may need to shop around a bit at renewal.



Thanks, i am 21, only time will tell i guess.

you could claim for whiplash, but you will be claiming off your policy, you could get between £3000 and £6000 and they will payout for your car, not much though, but with the whiplash claim you can buy a nic ecar.
your insurance will probably go up over £1000 now.

Original Poster

wickedteen;4711706

you could claim for whiplash, but you will be claiming off your policy, … you could claim for whiplash, but you will be claiming off your policy, you could get between £3000 and £6000 and they will payout for your car, not much though, but with the whiplash claim you can buy a nic ecar.your insurance will probably go up over £1000 now.



Thanks,

well the whiplash is mild, i have a bit of an ache in my neck and for some reason my jaw hurts

You've got two black eyes and a bloody mouth, probably from the air bag.

Sorry to hear that, still good job you + others are ok. Hopefully won't impact your insurance too much - expect to pay a bit more, but not the end of the world!

the porter;4711808

go to minor injuries get it booked in whiplash etc etc £1500 minimum




Might know you'd be ere..lol

wickedteen;4711706

you could claim for whiplash, but you will be claiming off your policy, … you could claim for whiplash, but you will be claiming off your policy, you could get between £3000 and £6000 and they will payout for your car, not much though, but with the whiplash claim you can buy a nic ecar.your insurance will probably go up over £1000 now.



Don't think you can claim for injury off your own insurance (even if you have comprehensive), unless you 've got seperate personal acident cover.

Banned

Muppet it's muppets like you that muppet up my muppeting insurance, muppet

Original Poster

lumoruk;4711854

Muppet it's muppets like you that muppet up my muppeting insurance, muppet



lolwut?

Titchimp;4711890

lolwut?



i get the feeling he thinks you're a muppet

Original Poster

grex9101;4711902

i get the feeling he thinks you're a muppet



I had an inkling that's what he was getting at but i wasn't sure.

Titchimp;4711911

I had an inkling that's what he was getting at but i wasn't sure.



best to clarify, agreed :-D

Banned

Nasty stuff , if got a 54 plate Corsa sxi only pay £389 a year fully comp I'm only 22
£700 for 1.1 Saxo quite a bit,

Least you n co are ok though


I'm with swift cover btw

Original Poster

dj_urban;4711930

Nasty stuff , if got a 54 plate Corsa sxi only pay £389 a year fully comp … Nasty stuff , if got a 54 plate Corsa sxi only pay £389 a year fully comp I'm only 22 £700 for 1.1 Saxo quite a bit, Least you n co are ok thoughI'm with swift cover btw



Yeah there were 4 in the car so i am just happy were all ok.

It was my first year being on my own policy so i guess that's why its so high.

It was a hell of a day, whilst we were waiting for recovery to come and take my car away a car pulled out of the junction and knocked a guy off his motorbike, luckily he wasn't hurt

Banned

high? I paid £1,100 for my first year's insurance was a 1.4 golf that was 6-7 years ago as well, it's now £400 odd

lumoruk;4711854

Muppet it's muppets like you that muppet up my muppeting insurance, muppet



+1

the porter;4711808

go to minor injuries get it booked in whiplash etc etc £1500 minimum



no wonder our premiums are going up

thank god no one was seriously injured dust yourself down take a couple of painkllers for your lttle bump and move on

What is the car worth, ar u sure its a write off?? Around here a small car with a young driver as a named driver is over a grand.

I would say 'brace yourself'. You are going to get pumped! ;-)

Original Poster

wendyak;4712874

What is the car worth, ar u sure its a write off?? Around here a small … What is the car worth, ar u sure its a write off?? Around here a small car with a young driver as a named driver is over a grand.


The car was only £800, they would have to re-do the air bag, front driverside panel, the wheel snapped something somewhere.

Original Poster

jamstaruk1972;4712768

no wonder our premiums are going upthank god no one was seriously injured … no wonder our premiums are going upthank god no one was seriously injured dust yourself down take a couple of painkllers for your lttle bump and move on



Yeah i don't plan on claiming

wickedteen;4711706

you could claim for whiplash, but you will be claiming off your policy, … you could claim for whiplash, but you will be claiming off your policy, you could get between £3000 and £6000 and they will payout for your car, not much though, but with the whiplash claim you can buy a nic ecar.your insurance will probably go up over £1000 now.



I hate the way some of us behave like Americans nowadays.

Just to clear something up. You cannot claim for personal injusry if the accident was your fault.

If you could, I imagine we would see quite a few people intentionally crashing to put a claim in for whiplash.

However, if any of your mates in the car were injured, they can claim against your insurance.
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