Insurance
Thread Starter
Joined: Mar 2002
Posts: 6,326
Likes: 1
From: Ulaanbaatar
Insurance
On Tuesday this week Mrs P had an incident.
She had slowed to stop at a junction entering a roundabout, in order to allow a car already on the roundabout to pass. Some dozy bint in VW drove in to the back of her; the driver didn't think that Mrs P was going to stop...
They impact was hard enough to shunt the Insight onto the roundabout, even though the brakes were applied, but thankfully Mrs P appears to be OK, although she did complain of a bang to the head and a crushing headache which necessitated a visit to the doctor. Witnesses came forward to provide their details (it is the North, so people don't look the other way!), so the claim is pretty straightforward.
Anyway, Mrs P's pride and joy, a generation 1 Insight, has sustained a bit of damage; bumper cover cracked, lower rear valance cracked, rear impact bar behind the bumper cover bent and some other hidden damage, which has resulted in the NSR wheel shroud being deformed.
Accident was reported immediately to Admiral who said they would get in touch to organise repair.
Within 15 or so minutes the text messages started arriving on Mrs P's 'phone; one from Admiral Law (Admiral Insurance's preferred solicitor apparently...) and a company called Albany Assistance. The former offering their services to reclaim any uninsured loss and presumably making a claim for any injury, and the latter to organise a hire car whilst the Insight is (hopefully) being repaired.
The policy provides for a courtesy car in the event of an accident but Albany were keen to stress that if the courtesy car was not suitable/equivalent to the damaged car, they would organise an alternative, with the hire charge reclaimed from the third party's insurer. Similarly if the car is a total loss, a hire car can be organised for the interim, again, the cost reclaimed from the third party's insurer.
It's taken until today for Admiral Insurance per se to make contact about organising an estimate for a repair to the Insight.
The insurance business stinks. It's rotten to the core.
In Admiral's last figures they received income of some £60 million from referral fees. The company Admiral evidently passed on the details of my wife's incident to are pushing hard for an 'alternative' hire car when the car goes in for repair, which will be charged at a rate to the third party's insurer that will presumably embarrass a pay-day lender. And Admiral will receive a kick-back from the accident management company from the inflated car hire cost.
I don't know how much the Insight will cost to repair, but a quick look at the parts prices on Lings suggests there's £1200 - £1,500 worth. Then there's labour and paint. If the cost of alternative car hire goes into the mix, it's little surprise we're paying huge insurance premiums, irrespective of the alleged non-anglo-saxon-surname types' activities on the roads.
Were hoping the Insight's age, parts cost and aluminium complexity doesn't result in a total loss; it is utterly irreplaceable. There's nothing else that does what it does for us.
Edit: Admiral advised they would call to arrange inspection of the vehicle. No call of course. Mrs P sorted inspection and visited repairer today; it could be three weeks before we hear further.
She had slowed to stop at a junction entering a roundabout, in order to allow a car already on the roundabout to pass. Some dozy bint in VW drove in to the back of her; the driver didn't think that Mrs P was going to stop...
They impact was hard enough to shunt the Insight onto the roundabout, even though the brakes were applied, but thankfully Mrs P appears to be OK, although she did complain of a bang to the head and a crushing headache which necessitated a visit to the doctor. Witnesses came forward to provide their details (it is the North, so people don't look the other way!), so the claim is pretty straightforward.
Anyway, Mrs P's pride and joy, a generation 1 Insight, has sustained a bit of damage; bumper cover cracked, lower rear valance cracked, rear impact bar behind the bumper cover bent and some other hidden damage, which has resulted in the NSR wheel shroud being deformed.
Accident was reported immediately to Admiral who said they would get in touch to organise repair.
Within 15 or so minutes the text messages started arriving on Mrs P's 'phone; one from Admiral Law (Admiral Insurance's preferred solicitor apparently...) and a company called Albany Assistance. The former offering their services to reclaim any uninsured loss and presumably making a claim for any injury, and the latter to organise a hire car whilst the Insight is (hopefully) being repaired.
The policy provides for a courtesy car in the event of an accident but Albany were keen to stress that if the courtesy car was not suitable/equivalent to the damaged car, they would organise an alternative, with the hire charge reclaimed from the third party's insurer. Similarly if the car is a total loss, a hire car can be organised for the interim, again, the cost reclaimed from the third party's insurer.
It's taken until today for Admiral Insurance per se to make contact about organising an estimate for a repair to the Insight.
The insurance business stinks. It's rotten to the core.
In Admiral's last figures they received income of some £60 million from referral fees. The company Admiral evidently passed on the details of my wife's incident to are pushing hard for an 'alternative' hire car when the car goes in for repair, which will be charged at a rate to the third party's insurer that will presumably embarrass a pay-day lender. And Admiral will receive a kick-back from the accident management company from the inflated car hire cost.
I don't know how much the Insight will cost to repair, but a quick look at the parts prices on Lings suggests there's £1200 - £1,500 worth. Then there's labour and paint. If the cost of alternative car hire goes into the mix, it's little surprise we're paying huge insurance premiums, irrespective of the alleged non-anglo-saxon-surname types' activities on the roads.
Were hoping the Insight's age, parts cost and aluminium complexity doesn't result in a total loss; it is utterly irreplaceable. There's nothing else that does what it does for us.
Edit: Admiral advised they would call to arrange inspection of the vehicle. No call of course. Mrs P sorted inspection and visited repairer today; it could be three weeks before we hear further.
Joined: Mar 2004
Posts: 23,296
Likes: 830
From: Nottingham
it will be a write off though surely?
they make me laugh, they get £60m from this but it costs them £200m probably. idiots.
we then foot the bill for that, meanwhile bottom feeders get fat.
broken business?
they make me laugh, they get £60m from this but it costs them £200m probably. idiots.
we then foot the bill for that, meanwhile bottom feeders get fat.
broken business?
Joined: Dec 2012
Posts: 745
Likes: 0
From: Lancashire UK
I feel for you and Mrs p..
Had an incident about 5 years ago with the other halfs Honda Civic 1.5 (1995)..again on a roundabout but this one was someone coming onto the roundabout (not stopping) whilst my other half was already on the roundabout and passing the entry road that the dork came off!
Smacked back left corner above the wheel arch and the sideways impact tore of the lower rear arm and bent the top arm into a u shape!.Plenty of negative camber
but managed to drive it !! back to mine.
Insurance companies first port of call was to a car hire management service ! Obviously a nice cosy referral arrangement.
The "replacement" car, a Pug 106, was BRAND new and we had it for six weeks...it took three weeks for the assessor to come out to the house because they wanted to take it to a body shop for assessment...I told them to f
right off.
Then it took another couple weeks before they decided to write it off ( I bought it back and spent £50 on the suspension and put it back on the road)then a week to settle... at that point they took the "hire" car away...and sent a bill to the other insurance company for 2.5K !!!!!! plus the insurance company then proceeded to CANCEL OUR insurance!
They would not re insure my other half on that car again....
right shower of BARSTEWARDS
I wouldn't hold out much hope of sorting it out in under a month minimum....
Had an incident about 5 years ago with the other halfs Honda Civic 1.5 (1995)..again on a roundabout but this one was someone coming onto the roundabout (not stopping) whilst my other half was already on the roundabout and passing the entry road that the dork came off!
Smacked back left corner above the wheel arch and the sideways impact tore of the lower rear arm and bent the top arm into a u shape!.Plenty of negative camber
but managed to drive it !! back to mine.Insurance companies first port of call was to a car hire management service ! Obviously a nice cosy referral arrangement.
The "replacement" car, a Pug 106, was BRAND new and we had it for six weeks...it took three weeks for the assessor to come out to the house because they wanted to take it to a body shop for assessment...I told them to f
right off.Then it took another couple weeks before they decided to write it off ( I bought it back and spent £50 on the suspension and put it back on the road)then a week to settle... at that point they took the "hire" car away...and sent a bill to the other insurance company for 2.5K !!!!!! plus the insurance company then proceeded to CANCEL OUR insurance!
They would not re insure my other half on that car again....
right shower of BARSTEWARDS
I wouldn't hold out much hope of sorting it out in under a month minimum....
Joined: Sep 2001
Posts: 6,524
Likes: 88
From: Soham Cambridgeshire
If it is without doubt the fault of the other driver demand to be put back in the position you were before the incident regardless s of cost to the other parties insurance. Be that repair or emplacement with the same vehicle in the same condition as yours.
Banned
Joined: Sep 2008
Posts: 1,986
Likes: 131
From: Brighton - ish
Good luck trying to get Albany Assistance to come and pick up the hire car if/when you use them and the Insight is repaired and home.
My brother phoned them every day for more than a week a few years back to try and get them to pick it up. He had it nearly 4 weeks in total. How much they charged the 3rd party insurer god only knows.
As you already said, the whole industry is so corrupt its ridiculous. I'd bet everyones insurance premiums would halve if it was run as it should be.
My brother phoned them every day for more than a week a few years back to try and get them to pick it up. He had it nearly 4 weeks in total. How much they charged the 3rd party insurer god only knows.
As you already said, the whole industry is so corrupt its ridiculous. I'd bet everyones insurance premiums would halve if it was run as it should be.
Thread Starter
Joined: Mar 2002
Posts: 6,326
Likes: 1
From: Ulaanbaatar
Update:
The car is being repaired, which is a major result. Unfortunately it will be late April/early May before Honda can deliver the parts. The downside of running a vehicle which sold a mere 250 in the UK (and 17,000 worldwide).
In the meantime, we have had a contact from TCC (The Care Clinics); the were referred by Admiral to facilitate physical examination and appropriate therapy for injuries sustained in the accident...
The car is being repaired, which is a major result. Unfortunately it will be late April/early May before Honda can deliver the parts. The downside of running a vehicle which sold a mere 250 in the UK (and 17,000 worldwide).
In the meantime, we have had a contact from TCC (The Care Clinics); the were referred by Admiral to facilitate physical examination and appropriate therapy for injuries sustained in the accident...
Joined: Dec 2012
Posts: 745
Likes: 0
From: Lancashire UK
Update:
The car is being repaired, which is a major result. Unfortunately it will be late April/early May before Honda can deliver the parts. The downside of running a vehicle which sold a mere 250 in the UK (and 17,000 worldwide).
In the meantime, we have had a contact from TCC (The Care Clinics); the were referred by Admiral to facilitate physical examination and appropriate therapy for injuries sustained in the accident...
The car is being repaired, which is a major result. Unfortunately it will be late April/early May before Honda can deliver the parts. The downside of running a vehicle which sold a mere 250 in the UK (and 17,000 worldwide).
In the meantime, we have had a contact from TCC (The Care Clinics); the were referred by Admiral to facilitate physical examination and appropriate therapy for injuries sustained in the accident...
April May !Hmm, I refer you to my previous post re time !!
TCC? another "where there is blame there's a claim" set of barstewards I guess...........
Surprised my car insurance has gone down £45 quid this year...
Trending Topics
Joined: Mar 2001
Posts: 31,181
Likes: 58
From: Hertford
Oh, even when it ends up knock for knock, the other party always seems to have a jelly neck.
I just don't care any more - let them ponce off one another until they all go bust.
It's another oligopoly and there's nothing one can do about these scrounging, ambulance-chasing ponces.
I just don't care any more - let them ponce off one another until they all go bust.
It's another oligopoly and there's nothing one can do about these scrounging, ambulance-chasing ponces.
Joined: Feb 2010
Posts: 3,615
Likes: 0
Yes there is - don't use them.
I got a call after a bump all but promising me a decent pay out after a knock. I got all the details off the ambulance chaser then told them I would be reporting them for incitement to commit fraud. When they asked why I said it was a claim for a car park knock and I hadn't even been in the car.
I've never received some a grovelling apology ....