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Thread: So, so Angry - Insurance

  1. #1
    Regular Member Gregg's Avatar
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    Default So, so Angry - Insurance

    I am literally going mad.
    Insurance issue ahead.
    Hit by an uninsured driver last July, I managed to get the reg plate and police got on the case, however they could not trace the driver but found the owner of the car with the car back on her drive, she said she wasn’t driving!!!
    I paid £475 Excess and the car was repaired. Then come October time renewal is a lot more and I have lost my 2yrs NCB.
    Bit the bullet and was told id get the NCB back but id have to pay a if I had 0ncb which I did.

    So ill miss out all the jargon but basically ive been ringing up every month since july 07 and had various tales of what is being done about the issue of the uninsured driver.

    Today I ring up and tbh I have had enough, i kept very calm throughout and asked whether the process was any further along, after a good 30minutes on the phone I was told that Debt collectors are on the case however I will not get my NCB back nor my excess if they cannot find the driver/owner (somehow disappeared now).

    If they do establish the driver/owner and the debt collectors set up an agreement I myself will not get any NCB nor Excess back until my insurance company have had their payment in full. To which I said so if she pays back £1 per week its going to be about 20years till I get my money back and NCB!!

    I said what do I pay my premium for, oh that’s if you hit someone, So if someone hits me what happens, you have to pay our excess and you NCB is gone until its resolved – Disgusting!!

    I am fuming what can I do?
    My insurance has gone from £500 to £1300
    Ive paid £475 Excess
    Lost 3yrs NCB (couldn’t have protected as I needed 4)

    Really need some advice as I am so angry could literally go an kneecap someone im fuming

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    Go round the house of the scroat who let someone drive her car uninsured and pour brake fluid all over it. See how she feels.

  3. #3
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    Not that I'd advocate that sort of behaviour on a public forum, oh no.

  4. #4
    Forum Moderator FIL 4822's Avatar
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    Vehicle : Insignia VX-line RED Tourer

    Trim : No, over weight!

    Engine : Flux Core Capacitor

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    Default

    You just have to hope they finally catch up with the T"T in the other car.
    Until then, you pick up the bills !


    Have consideration for the deaf, if you're gunna fart, make it smell !


  5. #5
    Regular Member nickc's Avatar
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    dont think there is anything you can do mate.

    insure with direct line next year - wont help you now - but im sure your ncb is protected if you are hit by a non insured driver.

  6. #6
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    Could the car have been cloned, or did her car exhibit damage?

    I was hit by a 306 years ago, turned out that particular 306 had been scrapped years previously, Police reconed it ws a clone.

  7. #7
    Regular Member sonic's Avatar
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    Contact the Motor Insurers Bureau, and tell them all about it. If you have a case to get any money back sooner they will tell you.

  8. #8
    Regular Member payney's Avatar
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    Firstly i would change insurance companys,then secondly talk to a ombisman of some kind,perhaps ring citizens advice about the matter.

  9. #9
    Regular Member Gregg's Avatar
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    can i just change 1/2 through a policy? may aswel stick it out till Oct.
    Insurance ombisman is worth a call
    Cheers guys

  10. #10
    Regular Member garvey's Avatar
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    what about a accident claims company, may be worth a try.

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