The Insurance Company are NOT Happy

I come to the conclusion that the insurance companies unofficial callued with each other prob put it down to professional curtesy . If 2 parties have insurance and one hits another even if the person takes responsibility it seems that the insurance companies don't work for ur best interest as a innocent party but drag things out for no good reason citing keeping repair costs down when I think it's to keep each insurances costs down yet savings with this approach are not past down in premions enough just my take
 
Another problem is if you have an accident that is not your fault and you get your transport fixed through the other persons insurance, you don't get compensated for all the inconvenience, phone calls letters, emails and time spent sorting it out
 
Good points you have made thief David il like to add one . It's only my opion of course but I don't get why ppl use fiancé to purchase a n home as I thought the thing was a means to freedom in a sense and having to buy an over priced machine with interest and the worry of payments ain't freedom . A friend of mine just brought a bee focus nice car I said after a quick look . Pity the car owns u instead of you owning the car . £300 per month Jeeze . Just thinking out load my options that all
 
If you estimate the value of your vehicle is worth more than the market value given say in in Parkers or Glasses guide or whatever the Insurer uses for estimating market value, you can as an option obtain an Agreed Valuation assessment Policy with some insurers. It will probably be a condition that you provide evidence eg photos or an inspection by a professional assessor.
It's probably only worth the bother if your vehicle is worth a fair bit more than the market value eg classic status.
 
Insurance

Most forget that any form of Insurance is Legalised Robbery, they pay the least amount they can get away with on any claim. not what you insured for That's a fact.

Alf




Teutone said:
you haven't sold a lot of vehicles lately? I mean in the UK and not 15 years ago in the Desert. I am not asking for betterment or a profit, just for the loss I have suffered. I look after my vehicles and make sure they are in as good condition as they can be. If somebody doesn't take the same care for MY belongings, then pay up!
Just when I look at my car when washing it makes my blood boil, a new car park dent almost every month from people open doors without care. And you get a lot of devaluation and moans for this from a buyer.
Suddenly the car is worth a lot less because it has "not looked after". Well by me it has.

Dealing with insurance is garanteed to make a loss for one. My wifes car got written off when a caravan on the motorway lost a wheel and hit her with 70mph. Even they asked for the value of the car and I could prove that there wasn't a comparable vehicle for sale in the whole of UK for the price they paid for it, they only paid what the "glass guide" listed. My wifes car was in prefect condition, well cared for with almost no dents and shiny paintwork. She ended up with a lesser spec car and 2k out of pocket.

That's why I am asking for compensation. To cover the LOSS I make because of some careless individual.

PS when we insured the new car I almost lost it on the phone to the insurer when they insisted I tell them the value of the car. What's the point I asked her, YOU have already decided what it's worth. If it happens to be that I have paid LESS than the glass guide is saying the car is worth, have a guess what happens when it gets written off....

If the insurance would treat us with some respect and some sort of fair, I would do the same in return. As long as they try to rip me off, I am not willing to back down.

And don't say "this is why we all pay so much for insurance". It's because some people DAMAGE OTHERS property and they have an insurance to pay for it. So pay TWICE for what they damage. Your loss and increased premiums
Click to expand...
 
most people in the uk seem to regard their car as some sort of status symbol when in reality its a tin box on wheels to get you and your accoutrements where you want to go , when you want to go in the dry and warm. as such its a tool to do a job same as any other...and the bottom line is if you spend as little money as possible on this particular tool youve got money left over to spend on summit else.

. on the odd occasions ive sold a working car the whole process has been a pain in the posterior due to the buyer expecting everything to be as it was when new... its far less hassle to run a vehicle to the end of its useful life then sell it to a scrapyard or for parts as seen. knowing the dents and scrapes and aircon not working etc aint going to matter to the scrapman takes the hassle out of car ownership.

ive made the mistake in the past of claiming on the other driver for a no fault dent... you still have the hassle of declaring the claim at every insurance renewal on all your vehicles for the next five years... let alone the hassle and time wasted sorting the claim at the time..

i just find it less hassle to run older vehicles till they finally die., which is usually structural rust ,.. i know this approach wont suit everone but it works for me.
 
My approach is the same ricc . I have a Landriver as it always holds its value and have had it four years n plan to have it for another 2o . It's an 89 worth no more than 4k and it will always be worth that much or tidier snouts if kept maintained in 2o years .
 
We also have to remember that we are insuring ourselves against all the others out there who don't bother. I noticed in the MAIL the other day that the figure for uninsured cars is rising as cost of living goes up.
 
Not really of any consequence how people regard their cars in other countries eg such as Spain or France. You're dealing with the culture as it exists in this country, if people are brought up to regard a car as an important status symbol or that personalised registration plates attract attention and give exclusivity then that's what is going affect insurance premiums, claims, degree of grievance felt etc etc. I don't imagine 2 people will see things exactly the same way.
As for Spain it seems your rising level of status is commensurate with the rising the number of dents your car accumulates, especially in a new or expensive car. Think about it, nothing displays wealth and status (or a large debt) more than a casual disregard for the Rangerover, or the Hispano Suiza ha ha.
 
Last edited:
I am glad that we have you on here to explain the real life to us. You are really good with generalising. So if I wash my car (which I haven't done for many month now), I automaticly have to be a person who has a shabby house???
And if I drive a BMW I am a attention seeker who spends all his money on personalised number plates? And I shouldn't be angry if people disrespect my properties and damged them? It's just a tin box in the end. Well, it is. But I paid for it and look after it. No matter how old it is or what the value is. Even if you dent my £1000 runaround, I am still not happy about it. Where do you draw the line? Some yob keying and denting your 21 year old Hymer. Yeah doesn't matter, it's just a means of transport.
But why do I even respond to you? It's like feeding sugar to a cow and then licking the backend expecting it to taste sweet...
 
Insurance isn't legalised robbery, it's a very competitive market faced with fraud, false whiplash claims, or £3000 bills for minor scrapes.

Put yourself in the position of the underwriter. Would you insure someone for £250 for 365 days, when on any one of those your client could cause a £3000 minor scrape, or hit someone at 3mph be faced with £5000 faked up whiplash litigation. You're taking a big risk so where would you set your premium? £250.. £300... £500... more ?

If anyone thinks they can provide cheaper cover, then invest your savings and set yourself up as an underwriter. It's not that easy - you may even have to be be prepared to lose money in bad years.
 
The point is David W is that by bringing in the Spanish and French as examples of having more balanced attitude(possibly) to the car I was merely stating by the Spanish example I give as a for instance, that all cultures have ways of showing off status, exclusivity, wealth, albeit in different ways. Perhaps the French are not quite so brash, but maybe ownership of ze little ski chalet in Chamonix is what they let slip out at a dinner party.

I am surprised you managed to find a 416 that wasn't 100% rust, although not surprised you've found the mechanicals are all you would have expected from Honda. I expect you know that Honda engines rotate anti-clockwise or at least they did, but not alot of people know that,nor want to I suppose:drive:
 
Notwithstanding all the talk about scams and fraud, it is possible that a good quality repair could be achieved by a competent practitioner. I managed to punch a hole in the plastic rear corner moulding on my van by dint of reversing into a lamp post. It was repaired by our local bodyshop to the extent that it was impossible to detect a repair had been carried out. It cost me £100 cash in hand and took a day and a half to achieve.
 
Feels like I got Highjacked .. :eek:fftopic: :ditto: :lol-061: :lol-053:
 
No we're not really talking about cars per se, we're on about about snobbery and associated matters, and what people in various countries may find reason enough to be snobbish/elistist about, in this country cars figure prominently, in other countries cars not so much, but they do have their own predelictions ie alternatives.

I didn't think the Rover 416 of any era to be particularly immune from rust at least not on the salt streaked roads of good ol' Essex, but certainly the early variants were something else ....think Lancia.

However we should be on about the OPs post really sorry about that!
 
Last edited:
Harleydavidsdad said:
My Rover is a BMW, now, where did I put that tin of finest beeswax and the saddlesoap???


Dohhh.
Click to expand...

remember that the first bmw,s were austin seven built under licence by wartburg in eisanach, in 1928
bet bmw drivers would like to forget that .
bmw stands for big money wasted doesnt it /ha ha .
i,m told thats the reason bmw bought austin rover . some old legal thing allowed it .
mind i think i would sooner have a wartburg .
 
Notwithstanding all the talk about scams and fraud, it is possible that a good quality repair could be achieved by a competent practitioner. I managed to punch a hole in the plastic rear corner moulding on my van by dint of reversing into a lamp post. It was repaired by our local bodyshop to the extent that it was impossible to detect a repair had been carried out. It cost me £100 cash in hand and took a day and a half to achieve.
Click to expand...

^
That's what I'm talking about. The real scammers are not the insurers but the body repair shops and the claims lawyers laying on heavy costs because "insurers will be paying".

I know there are loss adjusters but even these guys can get overridden. And their fees are yet more costs which need to be met out of the premiums.
 
i understand all about bmw they took over the dixie factory then built austin sevens in the wartburg factory . the bayerische motoren werke did make good engines . in 99 i did some time helping out in the wartburg museum workshop . in eisanach . great fun . they also built fords and later used vw engined vehicles all badged wartburg .shame that bmw lost the factory though after the war . but the first bmw,s werte made in the wartburg factory . i think its funny .
when i see a bm ,i think wartburg .ha ha .
the war almost crippled them thats why bmw built iso bubblecars under licence .
had a factory in uk as well building them .very interesting history is bmw .
 
Last edited:
Repairs Update

We have waited a long time for Brownhills to get the parts and the MH has now been taken away for repair. It's not gone to Brownhills :lol-061: though

We have been promised it will be back all shiny and new on FRIDAY ....
 
You must log in or register to reply here.

Users who viewed this discussion (Total:0)

Back
Top