Welcome to 911UK
The only place for Porsche, 911uk is the definitive enthusiast and resource site for the Porsche 911.
Registration is fast, simple and absolutely free, so join up today for full access to the site and benefit from latest member offers.

Porsche Classifieds
Sell Your Porsche on 911uk
Create a Free Classified Advert
Search Ads
Classified Adverts FAQ
Trade Classified Information
Buyer & Seller Fraud Protection
Consumer Rights Act
Pre Purchase Inspection (PPI)
Porsche Car Sourcing
Porsche Cars Wanted
Official Porsche Centre Reviews
Model
Stock
Porsche 911
992 : 2019- 0
991 : 2011- 21
997 : 2004- 61
996 : 1997-2005 32
993 : 1993-1998 4
964 : 1989-1993 0
Carrera 3.2 : 1983-1989 2
Carrera SC : 1977-1983 1
930 Turbo : 1975-1989 1
Early 911 : 1964-1977 1
Porsche Other Models
Classic : 1950-1965 0
Boxster : 1997- 26
Cayman : 2005- 20
Cayenne : 2003- 5
Macan : 2014- 3
Panamera : 2009- 0
912-914-924-928-944-968 0
959 - CarreraGT - RaceCar 0
Car Parts For Sale & Wanted
Other Items For Sale & Wanted
Wheels Tyres For Sale & Wanted
Number Plates For Sale Wanted

Porsche Services
Porsche Body Shop Repair
Paint Protection & Wrapping
Porsche Classic Insurance
Porsche Classic Parts
Porsche Classic Restoration
Porsche Design Collection
Porsche Engine Gearbox Rebuild
Porsche Heritage & History
Porsche News
Porsche Picture Gallery
Win a New Porsche 911

Porsche Parts
Body Parts, Body Styling
Brakes, Clearance
Electrical, Exhausts
Engine Cooling, Engine Electrical
Engine Rebuild, Heating Cooling
Interior Incar, Lighting
Rubber Seals, Service Parts
Steering, Suspension
Transmission, Workshop Tools
Early 911, 911 - 930, 928 - 968
964 - 993, 996 - 997, Boxster
Cayman, Cayenne, Panamera

Porsche Model Range
911 [992] 2018-Current
Porsche 911 [992]
911 [991] 2011-2019
Porsche 911 [991]
911 [997] 2004-2012
Porsche 911 [997]
911 [GT] GT1-GT2-GT3
Porsche 911 [GT]
911 [996] 1997-2005
Porsche 911 [996]
911 [993] 1993-1998
Porsche 911 [993]
911 [RS] RS-RSR
Porsche 911 [RS]
911 [964] 1989-1993
Porsche 911 [964]
911 3.2 1983-1989
Porsche 911 3.2 Carrera
911 SC 1977-1983
Porsche 911 SC
911 [Early] 1964-1977
Porsche 911 [Early]
Boxster & Cayman
Porsche Boxster & Cayman
Cayenne & Panamera
Porsche Cayenne & Panamera

911uk Site Partners

Post new topic   Reply to topic
Author Message
TurboRob
Silverstone


Joined: 18 Feb 2019
Posts: 120



PostPosted: Sat Dec 07, 2019 12:55 pm    Post subject: Reply with quote

My premium went up by 20% this year as result of being involved in a non-fault accident (rear ended last year, going through his third party insurance).
_________________
996.2 C2
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 12:59 pm    Post subject: Reply with quote

Thanks for deleting the offence comment T8.

You only need to run a quote on a comparison site then rerun with a non fault accident included and watch the premiums incresa.
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
DarthFaker
Trainee


Joined: 13 Jun 2019
Posts: 55



PostPosted: Sat Dec 07, 2019 1:03 pm    Post subject: Reply with quote

TurboRob wrote:
My premium went up by 20% this year as result of being involved in a non-fault accident (rear ended last year, going through his third party insurance).


Did they actually say that? Or did you assume that's the reason? Premiums do rise every year by default. My insurance wanted to increase mine by 100% last year for no reason what so ever until I complained then got a 30% discount on the prior years quote.
 
  
View user's profile Send private message
   
TurboRob
Silverstone


Joined: 18 Feb 2019
Posts: 120



PostPosted: Sat Dec 07, 2019 1:09 pm    Post subject: Reply with quote

Yes, because I did as Alex mentions above - obtained quotes with and without it declared. 20% increase for it declared.
_________________
996.2 C2
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 1:39 pm    Post subject: Reply with quote

Nothing worse than people giving miss advice on a forum. Grin
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
FZP
Estoril


Joined: 18 Jan 2015
Posts: 3921
Location: Cheshire


PostPosted: Sat Dec 07, 2019 1:45 pm    Post subject: Reply with quote

Imagine the insult when you discover that if you hit a human being, and its not your fault that:
1. You have to pay the excess
2. Your premium goes up for 3 years
Insurance companies and Casinos have one thing in common, the house ultimately wins
_________________
997.2 Carrera 2S GT Silver/Cocoa.
 
  
View user's profile Send private message
   
Bluebird911
Nürburgring


Joined: 29 May 2010
Posts: 462



PostPosted: Sat Dec 07, 2019 1:58 pm    Post subject: Reply with quote

Some interesting experiences here.

I've got to say, my experience with insurance companies have been wholly positive!

Admittedly 12 years ago, I made a claim as my son took the side out of the car against a stone gate post. Damage the full length of the car! I reported it to my insurer and they told me to take it to a bodyshop which was probably one of the best in the area. Expecting the worst at renewal time; they quoted me the same premium - zero increase!! I do have NCB protection.

More up to date, my sister had a similar hit from behind as the OP. Obviously 3rd party fault. She phoned her insurer and said the other driver had admitted liability and passed their insurer details to them. A day later, a hire car was delivered (a much better car than her Juke) and her car was taken away for repair. The repair was done to a high standard and carried a 2 year warranty. The car returned and the hire car taken away. Just the type of 'no hassle' service she wanted. Next premium at renewal was LOWER!! though only a couple of pounds.

It is surprising that others have had such bad experiences.

For me, motor insurance delivers remarkable value for money, even if your premium goes up 20%. For a few hundred quid a year, you are driving a potentially lethal weapon, indemnified against the most expensive accidents which can involve huge sums depending on the extent of personal injury to the 3rd party. Most also carry support through legal services that is part of the policy!! Compare that with home insurance. My home insurance is more that my motor insurance and I would have thought the risk to the insurer of a motor policy is higher than a buildings / contents policy!!
 
  
View user's profile Send private message
   
deckster
Trainee


Joined: 12 Jul 2015
Posts: 50



PostPosted: Sat Dec 07, 2019 2:22 pm    Post subject: Reply with quote

Bluebird911 wrote:
I've got to say, my experience with insurance companies have been wholly positive!
<...>
It is surprising that others have had such bad experiences.

For me, motor insurance delivers remarkable value for money


Totally agree. In 25 years of driving I've had a handful of claims, some my fault, some not. In every instance the insurance company has been

* Professional
* Swift to respond
* Easy to deal with
* Fair in their decisions
* Reasonable in cost of future premiums

I just don't get where people get these bad opinions of insurers from.
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 2:24 pm    Post subject: Reply with quote

Bad opinions from bad experiences.
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
chicb
Silverstone


Joined: 01 Jun 2017
Posts: 131



PostPosted: Sat Dec 07, 2019 3:06 pm    Post subject: Reply with quote

Not having worked in the insurance industry, but being on the wrong side of them when my 2 week old 800 mile S class was written off in floodwater a few years ago. Their valuation was just over half the price of the car , so I agree with Alex that your car may be written off. 4K for repair & for the 3rd party giving you a new Porsche for a few weeks, that will rack up a few thousand. You paid 22k six months ago, so at a guess the insurance will probably say it worth say 14k probably much less, so it won't take much to write it off.
I would be finding out from both sides ie your insurance & 3rd party's insurance before deciding how to proceed. Be very wary.
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 3:17 pm    Post subject: Reply with quote

..........and do not leave your car ANYWHERE where either insurance company has the ability to snatch it off you. Its been previously done on here without notifying the owner till its been taken.
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
Maxthedane
Trainee


Joined: 11 Apr 2019
Posts: 52
Location: Warwickshire


PostPosted: Sat Dec 07, 2019 3:24 pm    Post subject: Reply with quote

Chicbe & Alex - thanks for the warnings. I’ll tread cautiously & not be handing my keys over quickly. In fact I’ll be driving it to get the work done when costs are agreed.
_________________
997.1 Turbo Trip
996.2 C4 Convertible
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 3:28 pm    Post subject: Reply with quote

That's what he did. When he went down a week later to check progress, the car had gone. Garage told him insurance had changed their mind and written it off then moved it on 2 days earlier to his visit.
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
Bluebird911
Nürburgring


Joined: 29 May 2010
Posts: 462



PostPosted: Sat Dec 07, 2019 3:41 pm    Post subject: Reply with quote

Alex wrote:
That's what he did. When he went down a week later to check progress, the car had gone. Garage told him insurance had changed their mind and written it off then moved it on 2 days earlier to his visit.


That's disgraceful Alex,

You could do us all a service by naming this insurance company please so that members here avoid the same thing.
 
  
View user's profile Send private message
   
Robert SausageTrousers
Monza


Joined: 02 Apr 2018
Posts: 242



PostPosted: Sat Dec 07, 2019 4:49 pm    Post subject: Reply with quote

Weird, because I had an accident in my 996 about 2 years ago, i'd had it for 3 weeks! paid £15k for it. The front end was pretty smashed up, it needed both wings, bumper, bonnet, lights, rads etc etc, the repair bill quote was £14k.

The insurance assessor rang me up, I explained I'd bought it 3 weeks ago and I'd gone 600 miles to get it as it was well specced and in great nick etc, he agreed that from the pics (he'd not seen the car in person) it looked lovely and would be hard to replace. He said that it was entirely up to me whether I wanted to go ahead with the repair (and the car wouldn't be written off/recorded), or have it written off and take a pay out, his first offer was £17k.

Obviously, I had the car written off and took a pay out. I also asked what would be happening to the car, he told me I could buy it for £4k, which I did and sold it to a mate, he spent £1100 on the parts it needed (second hand and same colour) and fixed it himself, he's been ragging around in it ever since.

So yeah, not really the same experience as others are describing. I'm also surprised to hear of insurance companies steeling cars from customers, regardless of whether they're damaged or whatever, until they're written off and paid out on by the insurance they're still the property of the owner surely?

Good luck with it all anyway OP, it's a right PITA to go through.
 
  
View user's profile Send private message
   
DarthFaker
Trainee


Joined: 13 Jun 2019
Posts: 55



PostPosted: Sat Dec 07, 2019 6:04 pm    Post subject: Reply with quote

TurboRob wrote:
Yes, because I did as Alex mentions above - obtained quotes with and without it declared. 20% increase for it declared.


Hopefully you didn't suffer a 20% increase for this and you switched insurance companies.

FYI always do your quotes online via price comparison websites at least two months before your renewal as it will give you a very different price to a month before, sometimes it doesn't even show a price at all in the month before. As they don't like to offer their "new customer prices" to existing customers, take a screenshot of it and use it as a bartering tool when it comes to renewal.

Works a treat.
 
  
View user's profile Send private message
   
Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17199
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 07, 2019 6:38 pm    Post subject: Reply with quote

Bluebird911 wrote:
Alex wrote:
That's what he did. When he went down a week later to check progress, the car had gone. Garage told him insurance had changed their mind and written it off then moved it on 2 days earlier to his visit.


That's disgraceful Alex,

You could do us all a service by naming this insurance company please so that members here avoid the same thing.


I don't know who it was but it was a member on here posting about the progress on his car. Whilst he was there, another customer came in to check the progress of his and the car had gone. The company told him what had happened and the guy lost it.

Not 100% but the repair was been done at one of the more premium bodyshops like Road and Race.
_________________
2000 Manual 996 C4 Arctic Silver Convertible


 
  
View user's profile Send private message
   
Rojdog
Silverstone


Joined: 08 Nov 2018
Posts: 138
Location: Essex


PostPosted: Sat Dec 07, 2019 7:52 pm    Post subject: Reply with quote

It definitely can go up after a non fault claim. The excuse from the insurance companies is that if you are involved in one accident regardless of fault, you are more likely to be involved in a 2nd statistically.
 
  
View user's profile Send private message
   
Bluebird911
Nürburgring


Joined: 29 May 2010
Posts: 462



PostPosted: Sun Dec 08, 2019 10:32 am    Post subject: Reply with quote

Alex wrote:
Bluebird911 wrote:
Alex wrote:
That's what he did. When he went down a week later to check progress, the car had gone. Garage told him insurance had changed their mind and written it off then moved it on 2 days earlier to his visit.


That's disgraceful Alex,

You could do us all a service by naming this insurance company please so that members here avoid the same thing.


I don't know who it was but it was a member on here posting about the progress on his car. Whilst he was there, another customer came in to check the progress of his and the car had gone. The company told him what had happened and the guy lost it.

Not 100% but the repair was been done at one of the more premium bodyshops like Road and Race.


OK, we don't know who the member was and we don't know the insurance company, so this is now internet folklore!!

I don't doubt that you read it Alex, but is such and extreme example, it is far from typical and would be surprised if it represents 1% of insurance claims. On the basis that you are well known for advocating 10% IMS bearing failure is not going to happen to people and they should rest well in their beds at night, you are 10 times less likely to be the victim of an insurance company whose shoddy practice is to take possession of you car with you consent. Using your logic, it ain't going to happen!!

OP I shouldn't be spooked by these stories, I'm sure it will work out well.
 
  
View user's profile Send private message
   
Bluebird911
Nürburgring


Joined: 29 May 2010
Posts: 462



PostPosted: Sun Dec 08, 2019 10:52 am    Post subject: Reply with quote

chicb wrote:
Not having worked in the insurance industry, but being on the wrong side of them when my 2 week old 800 mile S class was written off in floodwater a few years ago. Their valuation was just over half the price of the car , so I agree with Alex that your car may be written off. 4K for repair & for the 3rd party giving you a new Porsche for a few weeks, that will rack up a few thousand. You paid 22k six months ago, so at a guess the insurance will probably say it worth say 14k probably much less, so it won't take much to write it off.
I would be finding out from both sides ie your insurance & 3rd party's insurance before deciding how to proceed. Be very wary.


Hi Chicb, sorry to hear about your loss on your new car. However, it sounds like you had unrealistic expectations from the insurance company.

It is well known that the insurance industry will not pay out full price for a write off of a new car. I have a 10 day old X3 M40 on the drive and the selling dealer recommended GAP insurance to cover that shortfall. Indeed, when I insured the car with my insurance company, they also offered GAP insurance to make up any write off shortfall. For the small sum of less than £200, those nice people at BMW will supply me with a new car if it is written off in the next three years.

Regarding your other comment, Standard car insurance covers 'Market value' and the clause in the insurance say that if it is uneconomic for repair, they will pay out market value. If your car is a particularly nice example and is more valuable, standard cover is the wrong product. Agreed value insurance where the higher value of the car is agreed before cover is taken out, so that if the car is written off, the agree value is the basis for the claim. These specialist insurances are often competitive with standard insurance, so there is no great expense to use them.
 
  
View user's profile Send private message
   
Display posts from previous:   
Post new topic   Reply to topic   All times are GMT - 12 Hours
Goto page Previous  1, 2, 3, 4  Next
Page 3 of 4

 
Jump to:  

You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You can attach files in this forum
You can download files in this forum
You cannot post calendar events in this forum