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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17203
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sun Dec 08, 2019 11:32 am    Post subject: Reply with quote

I'm not disputing that, just saying it has happened and keep a close eye on your motor - why not do that, its free? What your saying is like saying don't check your ims bearing at clutch change - its only 1%.

I will add though - one of my best mates had the family evoque robbed last year. They got it back after being left on a local car park(thieves check for trackers) with only a broken window. The insurance offered to fix the window but scared my mate to death saying you don't want the car back as they may have messed with the software and could be dangerous, then offering to pay him out (at a rubbish value). They then fix the window (£400) and sell the car on, probably for a profit. Bet they didn't tell the new buyer the horror story they told him. nooo
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2000 Manual 996 C4 Arctic Silver Convertible


 
  
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chicb
Silverstone


Joined: 01 Jun 2017
Posts: 132



PostPosted: Sun Dec 08, 2019 12:39 pm    Post subject: Reply with quote

Bluebird911, I discovered about Gap insurance after the event, just like many other things in life hindsight is a great thing. I dont think I have ever seen a proposal form which points me towards Gap, nor did they say that because the car is of a high value I should get specialist insurance. I have always had Gap since then, I'm not that stupid Confused but what I was trying to say to the OP was to find out first what is going to happen rather than jumping in & finding out your car has been written off. Fact, Insurance companies take the easy option for themselves, not the customer

Just noticed you said I had unrealistic expectations, your wrong. Nowhere did I say I expected a full payout as I knew that would never happen because firstly I would loose the VAT value as soon as I bought it, but did expect more than their offer. Also as an aside a couple of months later I was phoned by a garage asking if I had the second key as it was going back on the road.
 
  
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uk996
Monza


Joined: 09 Jan 2018
Posts: 170
Location: Home Counties


PostPosted: Thu Dec 12, 2019 10:58 pm    Post subject: Reply with quote

DarthFaker wrote:


It's illegal for insurance companies to increase your premium due to a none fault accident. But they can increase it whilst they're recovering the costs from the 3rd party (6-24 months) , which is why you need to claim directly to save money.



Wow, oh so wrong. Any fault or no fault claim raises your risk profile. You may or may not be penalised for it in subsequent years. The actuaries at the underwriters calculate your risk score, based on your age, area, your driving history including no-fault claims, type of vehicle and so on. Most underwriters have risk bands, if your total score gets pushed to the next band you pay more.

No it is not illegal for insurance companies to raise your premium due to your non-fault claims, they have plenty of historic data from claims showing people who have non-fault claims are still more likely to have fault claims, perhaps it's the areas they frequent, the time they drive etc, doesn't matter, it still means you're more likely to claim.

I had a claim 3 years ago, someone reversed into my parked car. I wasn't even the country. It has increased my premium since then.
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2002 996tt Aero in seal grey 6MT
 
  
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mun802
Silverstone


Joined: 05 Apr 2008
Posts: 143
Location: Lancs


PostPosted: Fri Dec 13, 2019 9:00 am    Post subject: Reply with quote

Alex wrote:
.......and let us know how much your premium goes up next time.


Absolutely correct, irrespective of whos fault it was or protected no claims etc...it will rise!
 
  
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Maxthedane
Trainee


Joined: 11 Apr 2019
Posts: 52
Location: Warwickshire


PostPosted: Sat Dec 14, 2019 10:44 am    Post subject: Reply with quote

Guys - thanks again for all the comments/discussion. A claims assessor from my insurance company is coming out on Wednesday to view the damage in light of the estimate. (I decided to go via my own insurer in the end.)

I hope on inspection he agrees to the new engine lid & bumper and doesn’t try to minimise things. I’ll be arguing that I paid premium for a low mileage, well cared for vehicle and don’t want to be in a lesser position after an accident that was no fault of mine. Here’s hoping!
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997.1 Turbo Trip
996.2 C4 Convertible
 
  
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DarthFaker
Trainee


Joined: 13 Jun 2019
Posts: 57



PostPosted: Sat Dec 14, 2019 11:42 am    Post subject: Reply with quote

If you push enough for it you will be returned to the same position you were in that's the premesis of insurance, like for like without betterment.
 
  
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TurboRob
Silverstone


Joined: 18 Feb 2019
Posts: 120



PostPosted: Sat Dec 14, 2019 1:08 pm    Post subject: Reply with quote

Maxthedane wrote:
(I decided to go via my own insurer in the end.)


Good move. Much less hassle further down the line.
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Maxthedane
Trainee


Joined: 11 Apr 2019
Posts: 52
Location: Warwickshire


PostPosted: Sat Dec 21, 2019 6:47 pm    Post subject: Reply with quote

Claims assessor/engineer was largely happy with the estimate from my preferred repairer - challenged the labour charge but not significantly. I'm pleased that it wasn't a battle. Will be taking the car in for repair early Jan.
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