Car FUBAR'd, already written off once (non-fault) what now?

7th September 2011, 15:40

Hi guys,

I know I posted this elsewhere but after some speedy responses here,

The VERY short story is last night I got distracted, over-corrected to avoid a verge somewhat and eventually ended up flipping the car on its side. No one (had three passengers) was hurt and we all walked away. Still recovering from shock tbh.

Recoverer's have the car, just been to take the stereo and any other bits out and she's all sad

Basically some twat hit my car on the drivers door whilst I was parked stationary a few months ago and he admitted liability and I claimed off his insurance (he is on Admiral Multi-car, like me). They wrote it off and I bought it back, they payed me a settlement fee of £1300. There'd be no question of me claiming if it wasn't already written off before.

I need my car to work (a new job), and for many other things. I need a new one unless I want to go right back to square 1, which I don't want just as things were beginning to fit into place. I have found a literal like-for-like replacement.

Don't want to call the insurers yet but since I claimed off someone else's insurance surely they will be able to pay out full value again?

I know it's not the end of the world, but please help, really don't want to call Admiral until I know exactly what to say. The ball will be in motion when I do.

A desperate motorist in need.

Many thanks in advance,

Michael.

7th September 2011, 15:55

it's a strange one this, as technically they have paid out for the value of the car and to them that means you will be buying a new car with the payout (obviously not lol)

IF the car needed a vic check and went through all the necessary procedures etc to be back on the road and legal then i cannot see why the cant legally pay out.

i assume you are fully comp

7th September 2011, 16:01

Thanks for the prompt reply mlawlan69!

Yeah, fully comp, when it was written-off before I did exactly what they wanted to the word, all for a bloody beach ball size dent (which has never been fixed) in the door, not that it matters now lol.

Surely the fact that I wasn't at fault before (and so the pay out came from the other guys insurance) also means that potentially a previous pay out is irrelevant, especially as it was back on the road legally afterwards?

So you reckon they'd pay out the £1300 or there abouts? Otherwise what was the point of me re-insuring it with them (on the same policy)?! If so that's dandy and I'm a happy boy.

Michael.

7th September 2011, 16:12

yes i do, as like you said, the car was still being insured by them and this incident is a totally unrelated matter, i would just call them and explain exactly what's happened.

unless of course you can afford to buy a car out of your own pocket? i assume you saved some of this 1300 you received, as you have to bear in mind that for the next few years your insurance will be more expensive because you claimed :$

7th September 2011, 16:19

That I certainly can't do. What I have left of the £1300 is minescule. A lot of it was ironically spent going to scrappy's searching for a new bloody door.

I may bite the bullet and go for it. What more have I got to loose? If they don't pay out I guess I'll have to find some money somewhere. But my parents are reluctant to let me get another car. And it will prove to me just how ridiculous and a waste of time the whole insurance industry is.

This is the like for like replacement I found, decent price for a dealer (buying some sort of legal fall back, as its from a dealer as well, as opposed to privately): http://www.autotrader.co.uk/classifi...87du?logcode=p

My old one looked EXACTLY the same... at one stage... right down to the wheel trims!

Michael.

7th September 2011, 16:38

i remember as i helped on your old thread when the lad crashed in to you in a car park haha.

cant believe you have blown all 1300, bet you feel a bit silly now.

it's strange because i was in a very similair predicament to you, a woman crashed in to me, the car was paid out, i carried on driving it, two months later i wrapped it around a tree

only difference being i saved almost all my payout of £922 and used that to go towards my new car that cost £1600

oh and i would use this opportunity to get a 3 door saxo

much nicer on the eyes lol.

7th September 2011, 16:45

right then first car is recorded as insurance write off no matter who's insurance paid out in theory this has approx 10% difference in values.
that said I know of 3 people who have claimed on their insurance and got more than they had paid for the car.
Its all upto the insurance company just call them tell them the car is written off
put the balls in motion at the end of the day if you think the payout isnt enough dont accept it and ask for more or cancel the claim.
They took on the policy and have to pay market value for the car which as I say is around 10% less than one that hasnt been written off

7th September 2011, 16:48

surely if you claimed from the other side the first time, your insurance company thus far, haven't payed out anything to you, and what cat was the car when it was written off. If it was cat C or D, chances are unless you have an agreed value set with your insurance company, the value of your is like to be around 70/80% of the original valuation, as it has been brought back.

worse luck is often insurance companies wont let you buy it back a second time. I had this with an old motorbike. I crashed it and the damage was just over 1/3 the value, and it got written off. I wanted to buy it back from them to fix up and carry on riding, but apparently a previous owner had done the same, and DVLA wouldnt put it back on the road. I dont know whether this was just as it was a bike, or a motor rule in general.

Good luck anyway dude, let us know how you get on, post back here

7th September 2011, 16:52

20% off the value if its a previous write off. it will be recorded

7th September 2011, 16:53

Quote:

Originally Posted by saxo_gray

surely if you claimed from the other side the first time, your insurance company thus far, haven't payed out anything to you, and what cat was the car when it was written off. If it was cat C or D, chances are unless you have an agreed value set with your insurance company, the value of your is like to be around 70/80% of the original valuation, as it has been brought back.

worse luck is often insurance companies wont let you buy it back a second time. I had this with an old motorbike. I crashed it and the damage was just over 1/3 the value, and it got written off. I wanted to buy it back from them to fix up and carry on riding, but apparently a previous owner had done the same, and DVLA wouldnt put it back on the road. I dont know whether this was just as it was a bike, or a motor rule in general.

Good luck anyway dude, let us know how you get on, post back here

sounds like bollocks that. ive come accross plenty that have been written of 3 or 4 times in the past. unless its cat b it can go back on the road

7th September 2011, 16:54

I do feel silly, but I thought I wouldn't need it for something like this.

And yes I think I remember that too lol! Thanks for that as well! That problem's solved now too though! If I knew how I'd give rep for giving the best advice yet lol.

I think I'm also going to see how much I would get if I wanted to cancel the policy outright (say i'm looking to sell the car or something), and then it wouldn't affect my future premiums, as they'll never know, except I will need to pay for the salvage costs.

But another £1300 would be nice. My question is, what was the point in re-insuring with them if they weren't going to fulfill the very function of comprehensive insurance when something even worse did happen? So therefore it leads me to believe they will pay out.

And yeah I do like 3 doors but I was thinking of long term practicality potential. What is your opinion on that Autotrader one?

Michael.

7th September 2011, 16:57

im not sure exactly what youre getting at, but if you claim for your car you'll get paid out. because your car is a previous write off its worth about 20% less than if it hadnt been a previous write off.
you wont get £1300, more like a grand. unless you havent fixed it and the pre existing damage is still there, in that case it will be valued at next to fuck all minus 20%

7th September 2011, 16:59

Wow lol reply-fest!

Erm when it was written off before it was a Cat C. But the other guy was insured with the same company (Admiral, on a multicar policy). Does that mean anything, it shouldnt, should it? Otherwise there should be extra protection for crashing with someone who's insured with the same company as you...

And if I claim I'm looking at something like round about £1000 for a payout then, going on 10 - 20% off the original value already?

Michael.

7th September 2011, 17:00

Quote:

Originally Posted by LeeM

im not sure exactly what youre getting at, but if you claim for your car you'll get paid out. because your car is a previous write off its worth about 20% less than if it hadnt been a previous write off.
you wont get £1300, more like a grand. unless you havent fixed it and the pre existing damage is still there, in that case it will be valued at next to fuck all minus 20%

Sorry that was a reply to mlawlan69's last post.

7th September 2011, 17:01

it makes no difference who insured who, the car will be recorded on MIAFTR as a previous cat c. have you repaired it since it was damaged last time?

7th September 2011, 17:03

Quote:

Originally Posted by LeeM

it makes no difference who insured who, the car will be recorded on MIAFTR as a previous cat c. have you repaired it since it was damaged last time?

I haven't been able to, no, but going on the fact it went on its side who are they to know that I didn't?

Michael.

7th September 2011, 17:07

if i was dealing with the claim id be asking for proof that it had been fixed, and any decent handler will ask you this too.
if its not been repaired im afraid its worth exactly the same as you paid to buy it back, so you'll be lucky to get more than a couple of hundred

7th September 2011, 17:08

So I'm still more likely to get more money if I make a claim than cancel and sort the rest out myself, but I'll be paying for it in the future, whereas if I cancel and take back what's left of the policy I won't be able to get another car?

Dilemma!

Michael.

7th September 2011, 17:09

no offense like, but this is why insurance is so high for men under 25.

7th September 2011, 17:10

Quote:

Originally Posted by LeeM

if i was dealing with the claim id be asking for proof that it had been fixed, and any decent handler will ask you this too.
if its not been repaired im afraid its worth exactly the same as you paid to buy it back, so you'll be lucky to get more than a couple of hundred

But what if I had no proof? If you buy a new door from a scrappy what proof do you get?

Michael.

7th September 2011, 17:12

if you claim they will work out what your car was worth after the last accident unrepaired. luckily theyve got this on file seeing as they dealt with the last crash.
then take 20% off that for being a write off again no doubt.
what did you buy it back for last time?

7th September 2011, 17:13

Quote:

Originally Posted by mikejr

But what if I had no proof? If you buy a new door from a scrappy what proof do you get?

Michael.

if you cant prove its been fixed, then thats tough shit im afraid. they can prove it was damaged.

7th September 2011, 17:15

Quote:

Originally Posted by LeeM

if you claim they will work out what your car was worth after the last accident unrepaired. luckily theyve got this on file seeing as they dealt with the last crash.
then take 20% off that for being a write off again no doubt.
what did you buy it back for last time?

I bought it back for something like £112, but they valued the car at £1300? Surely that £112 is just to 'salvage' it back? It makes no sense to me.

Michael.

7th September 2011, 17:18

that £112 was what it was worth in the unrepaired cat c state. which seeing as you didnt fix it is all its worth now.
if you fixed it up to the same condition it would have been worth £1300 - 20% for the previous cat c marker.
if you claim id say you would be very lucky to get more than £100 seeing as admiral dealt with the last total loss claim.
ive worked in motor insurance claims for 4 years btw

7th September 2011, 17:20

the £1300 was the pre incident value, the amount you needed to buy a vehicle the same as yours was before the accident and put yourself back into a comparible condition

7th September 2011, 17:21

what proof do you get from a scrappy!? I always get a receipt of anything I buy. Even a scrappy will be registered, and legally have to provide a receipt for sale of goods. Standard mate.

7th September 2011, 17:21

Quote:

Originally Posted by LeeM

that £112 was what it was worth in the unrepaired cat c state. which seeing as you didnt fix it is all its worth now.
if you fixed it up to the same condition it would have been worth £1300 - 20% for the previous cat c marker.
if you claim id say you would be very lucky to get more than £100 seeing as admiral dealt with the last total loss claim.
ive worked in motor insurance claims for 4 years btw

Well its good to have an opinion from someone in the field, thank you

But they never told me that £112 was what it was 'worth' just the cost of the 'salvage', so therefore that was misleading. They told me it was worth £1300 and that's what they were reimbursing me with.

7th September 2011, 17:23

Quote:

Originally Posted by saxo_gray

what proof do you get from a scrappy!? I always get a receipt of anything I buy. Even a scrappy will be registered, and legally have to provide a receipt for sale of goods. Standard mate.

I've got all sorts from various scrappy's and never gotten proof...

This really is turning out to be the worst possible ending...

7th September 2011, 17:23

did they mention a pav (pre accident value) of £1300? the salvage value is £122 because thats all the vehicle is in that state, its scrap that you bought back in the eyes of an insurer

7th September 2011, 17:26

Quote:

Originally Posted by mikejr

I've got all sorts from various scrappy's and never gotten proof...

you've gotta ask for a receipt mate, plus if you ever sell a vehicle, wouldn't you rather have a receipt for everything you have bought. FSH and all that

dont get me wrong, Im not having a go, just be smart mate

7th September 2011, 17:26

Quote:

Originally Posted by LeeM

did they mention a pav (pre accident value) of £1300? the salvage value is £122 because thats all the vehicle is in that state, its scrap that you bought back in the eyes of an insurer

No, none of that. I think I'm just going to cancel the policy and be done with it, it seems sheets of paper are worth more than a car which was priceless to me.

7th September 2011, 17:28

it can be very confusing, its a shame youve fallen foul of terminology you didnt quite understand at the time.

7th September 2011, 17:29

Quote:

Originally Posted by saxo_gray

you've gotta ask for a receipt mate, plus if you ever sell a vehicle, wouldn't you rather have a receipt for everything you have bought. FSH and all that

dont get me wrong, Im not having a go, just be smart mate

I know you're not having a go. Dont worry.

It's just the least of my worries right now. My plans which relied on my own personal transport for the forseeable future are f****d.

And I know the blame lies solely on me, but we're all human, we all make mistakes. At least I'm still here.

7th September 2011, 17:35

Quote:

Originally Posted by mikejr

I know you're not having a go. Dont worry.

It's just the least of my worries right now. My plans which relied on my own personal transport for the forseeable future are f****d.

And I know the blame lies solely on me, but we're all human, we all make mistakes. At least I'm still here.

hey, we've all shit the bed at some point, its how we clean the mess that makes us better people

7th September 2011, 17:37

do you not still have the £1300 to buy a new car or is that a silly question?

7th September 2011, 17:45

£112 to buy it back bargain. I buy these every week from Insurance companies and never had one that cheap and with that little damage.
despite what the official advice says put the claim in and see what they offer if its a stpid offer then cancel the claim if its what you want happy days you wont know til you try
as I have said before I know a few people who have actually profited from a salvage car when it was involved in another claim . Also worth pointing out that the insurance company gave you hoops to jump through and were well away of the history
and they too would be oblidged to tell you if they were only going to pay scrap value the law works both ways

7th September 2011, 17:57

Quote:

Originally Posted by saxo_gray

hey, we've all shit the bed at some point, its how we clean the mess that makes us better people

Yeah, thanks saxo_gray, I just hope I clean this one up well!

Quote:

Originally Posted by LeeM

do you not still have the £1300 to buy a new car or is that a silly question?

No, most of it has gone on petrol over about 4 months, on getting to work, socialising and last but not least trying to fix the door.

Quote:

Originally Posted by deks36

£112 to buy it back bargain. I buy these every week from Insurance companies and never had one that cheap and with that little damage.
despite what the official advice says put the claim in and see what they offer if its a stpid offer then cancel the claim if its what you want happy days you wont know til you try
as I have said before I know a few people who have actually profited from a salvage car when it was involved in another claim . Also worth pointing out that the insurance company gave you hoops to jump through and were well away of the history
and they too would be oblidged to tell you if they were only going to pay scrap value the law works both ways

I've just found out, for information only, if I cancel the policy they will refund me £566.31 in total. So, would that be more than the claim payout do you reckon? Or shall I just bite the bullet and find out for my bloody self?

Not looking good...

Michael.

7th September 2011, 18:12

i reckon you would get more in a claim BUT you will then have had a claim which will increase your premium especially added to the fact you have already had a non blame claim and trust me they load your premium for that aswell so you need to do the maths
also consider this if you dont claim you are going to have to pay the recovery and storage charge which will probably take care of that refund .

7th September 2011, 21:51

It's a load of fucking bollocks. I'm done with this shit.

7th September 2011, 23:06

I have recently being in the same position kind of.
My 406 v6 coupe got written off, i got paid out the full value of the car (which was a good wack more than i paid for it), this i was told by admiral was the cost to replace.
I got to salvage it for a similair figure to you, but i spent the money actualy on repairs, new wing, bonnet, bumper and headlight plus straightening of the wing support panels.
Along the way i took pictures of what i removed and what i replaced, there were shown to vosa at the vic and will be available to a new owner if i ever sell up.
I dropped very lucky in that a breaker had all the parts i requird in the right colour.

8th September 2011, 08:54

Remember any pay out from an insurance company in a fault accident will be less your excess!

e.g ins company pays out £1500 excess £500 person recieves £1000!

Add in the cost of an insurance rise the next year and it works out cheaper for many drivers not to claim!

8th September 2011, 11:40

Ok guys,

It's a new day. I want this over with.

I'm cancelling the policy, I'll tell them the truth, I had an accident and can't afford to claim after the last one (which wasn't on my policy).

I'll get about £566.31 back and most of that will go to Manchetts who recovered the thing.

Then I'm f****d, because it looks like my premiums will go up a grand. Absolute f**k knows why when they've had to pay nothing for my error, and all they care about is money, so my loss should mean nothing to them, if someone had died it would have been exactly the same to them. I've already paid and lost enough.

I am a sentimental guy and I really like this one, a bit pricey but fair I think, she's exactly the same except less miles and slightly newer: http://www.autotrader.co.uk/classifi...87du?logcode=p

I have about £2000 to my name. So I can't afford the insurance. I don't want to do anything stupid and get a loan or anything like that and it would be silly to put my student loan on it, which is f*****g unfairly minimal as it is.

I've always struggled with money and just when I was managing something like this comes up. No one is going to help me out financially this time and I'm not expecting them to so if I get the car I loose everything left and more, but have the chance to regain it all fairly quickly. If I don't buy the car it's a long struggle no doubt for years to get to where I was and I know it sounds pathetic but I feel I've worked hard and also owe a lot to many other's efforts and it's so soul destroying to have it all ruined and made pointless. So I'm really struggling on deciding which way to go.

I've never had a near miss that required immediate action. I've been told by many that I'm a careful driver and they trust me with their lives. Why couldn't that have just been a near miss? Why do some others have so many near misses or idiot bumps and get away with it and then make insurance premiums rise the most? Why do they kill people through their idiocy and get away with it?

The only good thing, and most important, that has come out of this I suppose is that I value life more than I did, which was already more than a lot of people I know.

I'm not materialistic but I've lost three important material things close to me (is a job material?) which I relied upon all of a sudden and it's hard not to feel down and cope. It's only two days but I feel I can't get out there and enjoy the sentimental things in life I used to.

If I could give a year of my life to turn back the clock 2 days I would. No hesitation.

Please, I am sensitive and I know I might be being pathetic and all that and I know a lot worse could have happened but I have teary eyes right now which I haven't had for years.

I have so much more to say but it doesn't mean much to you.

So I'm just gonna struggle on and still try to work a plan out where I can have a car. I know I can live without one but the benefits of having one - initial cost aside - far outweighs the disadvantages. And if I can't have one... then I guess I'll have to deal with that too.

That, and I loved my little Saxo.

Michael.

PS: Sorry you had to listen to that soppy speech, it wasn't looking for sympathy or anything, just getting it off my chest.

8th September 2011, 12:08

If you are getting a new car, the same as the old one, just get the policy swopped over!

If your not claiming don't tell the company!

8th September 2011, 12:24

Are you sure that would work, for the car linked above (it is exactly the same as the old one)? But surely I still need to tell them I've had an accident?

8th September 2011, 14:24

Do you think the AA might be able to give all the advice I need re. insurance and swapping the cars and everything I need help with before I speak to Admiral?

And if I spoke to Admiral and said 'I'm just after some advice' to the claim handlers, A: they would be able to give the advice I'm after and B: if I said I'm not actually going to make a claim they wouldn't act upon it, other than obviously noting I've had an accident (I'll make out it wasn't half as bad as it was)?

I can't really think of anything else other than this massive stumbling block atm... was supposed to be working all this week and most likely until I go back to Uni (when I would have earnt like £600, which would actually help me pay for a new car, but which obviously I wouldn't need if I was working there anyway, because I could get there...) ... without the car it's now nion impossible.

Michael.

8th September 2011, 16:32

do not tell them a thing about the accident if your not claiming! thats a ridiculous idea lol
buy the new car, ring up and say "ive bought a new car, this is the reg can you swap the policy over please"

8th September 2011, 16:43

jesus yeah dont tell them you have had a crash if your not claiming!!!

you sound like the most honest person i am yet to meet lmao.

just say that you have bought a new car, the old one has gone, here is the reg number.

if its the exact car then the premium "should" be the same, might even be a little less who knows!

would just like to add that that car you linked is up for way too much, it only has 2 months left on the mot, is red, 5 door and has ridiculous lexarse lights.

8th September 2011, 16:50

right baiscally as above if you are not claiming then don't tell the insurance company you dont need to also if you plan on replacing the car with another then just swapp the insurance over dont cancel it unless you are not carrying on with it.
Most important thing you need to do is talk to the recovery company and get the bill sorted asap each day costs you money in storage
good luck

8th September 2011, 16:56

you should still be able to weigh in your saxo too for £100+

8th September 2011, 20:04

Ok guys,

The deed is done. I officially have no car.

Admiral were very helpful, and I'm sorry I just don't have the balls to not tell them the whole truth, I phoned the AA and they advised me I should as it's the law, I'm just trying to do everything by the books, to avoid being penalised too badly. Perhaps though once in a while I shouldn't do stuff by the books, but who's to know what happens either way? The one time I didn't drive by the book it f****d things well and truly up.

I can't leave her sitting in the recoverer's yard and the lady at the garage said they'd only start charging the storage fee from tomorrow, which is £20, so I suppose (apart from my car and phone, and one of my nine lives) that's all I'll loose.

But I was economical with the truth re. the crash and that it didn't flip but it was a 'slow, quiet' crash where it went into a verge and sided into a hedgerow and the whole offside was buggered but the bent A pillar and slightly crumpled roof and frame above the drivers door was even more buggered (which it was), but that it was still drivable (which it was), just damaged to a noticeably f****d condition (which it was). It was just very uneconomical to repair (which it was). Just somehow I reckon saying the car ended up on it's side and slid down the road makes it sound a whole lot worse (which it does).

Anyway I cancelled the policy and about £556.67 or something is getting refunded. I won't loose my NCB and they reckoned my premiums wouldn't be affected by a massive amount (not trusting that all that much) as I hadn't claimed and they weren't paying out anything (sounds fair enough). I had to declare it SORN according to Admiral and I'm hearing from the recoverer's tomorrow. So as far as im concerned it's the best possible outcome especially as I have now worked an interim solution out for my job for before Uni' so I can go back there next year as well.

Re. the car it will either be within the next month before I go back to Uni', at Christmas or Easter next year at the latest. And it will be another Saxo.

Hopefully one very very similar to ol' 100000 mile Lulu (my Mum named it)

How about this one: http://www.autotrader.co.uk/classifi...87du?logcode=p ?

She'll live on in my memory and as bits in other cars! I'll let you know what scrapyard she ends up resting in. I had a very nice tax disc holder, but I'm keeping the stereo for the next one

Thanks a very great deal for all the info guys, you have genuinely influenced a lot of my decisions and I love this place.

Any other advice you have now would be greatly appreciated and expect me back in a few months/weeks with another Saxo just like Lulu and reporting a trivial leaky roof!

Michael.

PS: They say you always remember your first car. I definitely will and for all the right reasons.

It was a great little motor and I learnt a lot from it (more than I bargained for) but it was me who was responsible for her demise.

8th September 2011, 20:17

Quote:

Originally Posted by mlawlan69

jesus yeah dont tell them you have had a crash if your not claiming!!!

you sound like the most honest person i am yet to meet lmao.

just say that you have bought a new car, the old one has gone, here is the reg number.

if its the exact car then the premium "should" be the same, might even be a little less who knows!

would just like to add that that car you linked is up for way too much, it only has 2 months left on the mot, is red, 5 door and has ridiculous lexarse lights.

First sorry I linked to that car again in the above post.

I bought mine for £800, had basically 90,000 on the clock and the bodywork wasn't the best and a few minor things needed fixing/replacing (but I still loved it), so I thought, based on the £800 for the old one, with this one the mileage, FSH, the colour (which I like), owners and the fact that it's a dealer justified the price? Going on the fact there's others with less and worse attributes than this up for over £2000 (which haven't moved). Don't get me wrong, I'm not an expert, I'm just too sentimental and after basically one exactly the same.

And yes, I would replace the Lexarse lights with standards

Michael.

8th September 2011, 21:25

i am completely gobsmacked.

when i crashed my car, complete write off, the car was towed, the next day i went down to the yard had an argument with the recovery agency who wanted £300 + VAT for taking MY car 4 miles down the road.

i told them in no uncertain terms they could have the car and £200 cash and get fucked on the remaining £160, the guy agreed as long as i left my VTR alloys on (one was totally fucked) i agreed. that was about 5 months ago now and i have heard nothing of that car since.

i like you loved it, but was foolish enough to drive like a plank and i paid by loosing out on the car and £200

i can also inform you that you can take a car off the policy of an admiral multicar as long as you add another one within 6 months, this means come renewal time you would still recieve your NCB.

i dont know if this is what will happen with you seen as you have now cancelled your policy (foolishly?)

sorry thats very long winded but sometimes, you really can be too honest, and that's what i am afraid you are.

people will take advantage, least the insurance people will !!

EDIT

just realised you will now have to declare this when you ring up for insurance, and whatever they said on the phone this WILL increase said premium had you not told admiral.

8th September 2011, 21:52

Quote:

Originally Posted by mlawlan69

just realised you will now have to declare this when you ring up for insurance, and whatever they said on the phone this WILL increase said premium had you not told admiral.

no he wont, hes notified them of an accident not made a claim

8th September 2011, 21:53

Quote:

Originally Posted by mlawlan69

i am completely gobsmacked.

when i crashed my car, complete write off, the car was towed, the next day i went down to the yard had an argument with the recovery agency who wanted £300 + VAT for taking MY car 4 miles down the road.

i told them in no uncertain terms they could have the car and £200 cash and get fucked on the remaining £160, the guy agreed as long as i left my VTR alloys on (one was totally fucked) i agreed. that was about 5 months ago now and i have heard nothing of that car since.

i like you loved it, but was foolish enough to drive like a plank and i paid by loosing out on the car and £200

i can also inform you that you can take a car off the policy of an admiral multicar as long as you add another one within 6 months, this means come renewal time you would still recieve your NCB.

i dont know if this is what will happen with you seen as you have now cancelled your policy (foolishly?)

sorry thats very long winded but sometimes, you really can be too honest, and that's what i am afraid you are.

people will take advantage, least the insurance people will !!

EDIT

just realised you will now have to declare this when you ring up for insurance, and whatever they said on the phone this WILL increase said premium had you not told admiral.

Once again my balls are clearly not as big as yours and I always opt for the easy life, even if it means sacrificing money. There are many things I would correct about me, two of which are I'm too nice (partly the reason for being distracted by passengers in the crash), and I can be too honest at times when I might need to be and I tell white lies when I perhaps really shouldn't.

But hey. What's done is done. I have gone over it over and over and over again and to me it's the best outcome in a shit situation.

I only cancelled my car from the policy (for the reason of getting that £500 odd back to spend on the recovery fees, and because obviously there's little point insuring an off the road car) so I'm hoping that means technically I can easily add a very similar car back on to the policy to receive the NCB like you say.

We are always little David's and the insurers are Goliath's, and although one day we will win for now they have the unfair and utterly flawed power.

I'd much rather the truth (that I made a stupid error) come and bite me later (because it happened and I learn from it) than a lie do so and royally rape me over, like they have in the past.

I know how I must sound, and perhaps I'm not fighting for myself enough but, again, maybe it's because I'm too nice.

I know it could have gone differently, and better, but to me, I like things like this to be certain, and that it will be.

I'll have to wait and see what happens.

Michael.

8th September 2011, 21:57

Quote:

Originally Posted by LeeM

no he wont, hes notified them of an accident not made a claim

surely it will be on the system now, and they do ask about whether you have had an accident in the last 3 years regardless of fault?

8th September 2011, 22:03

Quote:

Originally Posted by mikejr

Once again my balls are clearly not as big as yours and I always opt for the easy life, even if it means sacrificing money. There are many things I would correct about me, two of which are I'm too nice (partly the reason for being distracted by passengers in the crash), and I can be too honest at times when I might need to be and I tell white lies when I perhaps really shouldn't.

But hey. What's done is done. I have gone over it over and over and over again and to me it's the best outcome in a shit situation.

I only cancelled my car from the policy (for the reason of getting that £500 odd back to spend on the recovery fees, and because obviously there's little point insuring an off the road car) so I'm hoping that means technically I can easily add a very similar car back on to the policy to receive the NCB like you say.

We are always little David's and the insurers are Goliath's, and although one day we will win for now they have the unfair and utterly flawed power.

I'd much rather the truth (that I made a stupid error) come and bite me later (because it happened and I learn from it) than a lie do so and royally rape me over, like they have in the past.

I know how I must sound, and perhaps I'm not fighting for myself enough but, again, maybe it's because I'm too nice.

I know it could have gone differently, and better, but to me, I like things like this to be certain, and that it will be.

I'll have to wait and see what happens.

Michael.

not about balls mate!

it's about sticking up for yourself and thinking, fuck this, they fuck us over, why should i not do the same?

the AA guy told you it was the law, but that's his job after all, you didn't kill anybody (thank god) and everyone walked away having learned something, that in itself is punishment enough in my opinion !

at least it is now a weight off your mind anyway and in your mind you have done the right thing

8th September 2011, 23:48

If I knew how/could give thanks to you mlawlan69 and LeeM on this forum I would.

I'm always saying about how much insurance companies piss me off, like, when it was first 'written off' for a dented door, I was actually less of a risk afterwards. Because I knew the idiot driver of the other car as an acquaintance and because of our social group our cars were often in the same place at the same time. He was always a douche to me because he's a douche in general, and I never spoke to him anyway. But after the accident I never went near him in his car or himself for that matter, ever. So that is one reason why it's a load of crap.

But I guess I can't really say the same now because if I had claimed I would have been the reason for someone else innocently paying for it in their premium, 'cept I haven't, so my view does still stand.

Also had I claimed I couldn't have said anything about them fucking people over, so it's a tough one.

It is a weight off my mind, thank God, but it will only really be when I get a new Saxo... and I'm sorry, it just has to be just like the old one.

Michael.

11th September 2011, 12:21

Alright guys,

If any of you are local to Suffolk/Cambs and know the Newmarket area, there should be my Saxo in Vehicle Dismantlers in Red Lodge from tomorrow.

It's got a newish Cat, a new nearside headlight, new Lambda sensors, some new bits of trim, and a fairly adequate Desire interior. Also plenty of other things which I should mention. Oh, and a pretty decent 100000+ mile engine. The stereo, however, is mine.

It's the best outcome in the worst possible situation, as everything in this utter bitch of a situation, imo lol.

All I can say is now I am well aware it's my fault, believe you me, and I'm not going into details, but by the very nature of the accident, I assure you, it absolutely won't be happening ever again, and that is something me and my passengers will say, and that I will be certain of, until the day I die.

Michael.