Carole Nash - Protected No Claims con? (1 Viewer)

[Stealaway]

I think a few of you know I had a rear end shunt in the MoHo last year.
I was insured with Carole Nash and to be fair the claim went through without any problem, although my van repairs has only just been completed and my repairers have yet to be paid - (less the £250 excess.).
Any hoo. I came to re-insure my 1ltr Ford Fiesta today with Carole Nash. It has gone up exactly £50 from £227 last year to £277 so I had a look around and found Direct Line quote £187 even with the accident to the van.
So pre armed I rang Carole Nash (insurances take the renewal automatically now unless you tell them different). Ok she sez I'll see how close we can get to the Direct Line quote. During the conversation the accident with the van came up. All of a sudden the attitude and conversation changed completely.
The accident in the van increased the premium by a further £150+ and will be subject to the increased premium for the next three years. Now we are at £412 for a 1lr Fiesta (that does less than 4000 miles a year) 68 year old drivers, with 15 years No Claims!
It seems my paying for protected NC is a waste of money - it don't count for some reason.
With Carole Nash any accident in any vehicle is subject to a premium payment. I hate to think how much the Van renewal due in April is going to cost with them. I expected to lose the NC on the van but that's only a few years - but not on every other vehicle including my motor bikes.
I went back to Direct Line and confirmed with them that they has taken account of the accident in the van. The total premium including protected NC came to £201. Guess who I'm insured with?

 

[pappajohn]

Always been the same with no claim discount/bonus.
You'll find the NCD still stands at renewal at whatever % it was before the claim....It is protected.
Problem is, you made a claim so are a higher risk to ALL insurers and the PREMIUM rises accordingly but you still get a 65/70% discount off the increased premium.

They can, of course, charge whatever premium they want.
I've had quotes from comparison sites for the same car between £250 & £1300....Inc NCD

 

[Derbyshire wanderer]

I don’t think that you can treat each policy as a separate entity where insurance is concerned.
I had someone run into me while driving a friends car and we both were stung on renewal plus I had increased premiums on everything else I run except the motor home.
At least Dick Turpin wore a mask.

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[davanne]

Always found direct line very good we pay under £160 on a 4 year old 1.6 suv.
We also have the house insurance through them.

 

[pappajohn]

I don’t think that you can treat each policy as a separate entity where insurance is concerned.

agreed...
All claims etc go on your file which is available to all insurers, allegedly for fraud prevention purposes.
A new insurer will simply check your claims history no matter who the claim was with.

Even enquiring about an accident which isn't turned into a claim/cancelled will go on file.
A reason to pay for relatively minor damage yourself and keep the insurers out of it.

 

[Geo]

We had a claim last year when a drunk driver demolished our recovery and forecourt wall
NO increase at all this year logged as a "No fault claim"
surly a rear ender is the same is it not ?

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[Lenny HB]

I had a claim with Saga on the car last year, when renewal came round premium gone up form 170 to 365 (full NCD) after haggling they came down to 190. Didn't affect the Motorhome with comfort & some years ago I had a claim with Comfort premium didn't go up.

 

[Silver-Fox]

We had a claim last year when a drunk driver demolished our recovery and forecourt wall
NO increase at all this year logged as a "No fault claim"
surly a rear ender is the same is it not ?

Even a non fault claim is still logged as a claim and usually affects your next premium.

I was told by someone who works with n a nsurance not to bother with protecting NCD as you’ll still pay extra fault or not f you have a prang.

 

[mitzimad]

had similar with aib this year got a quote for 20 less online and went back to them asking them if the renewal was the best they could do and low and behold they came back 30 under the online quote
they did ask me what the second quote was and i refused to give them the figure

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[Stealaway]

All claims etc go on your file which is available to all insurers, allegedly for fraud prevention purposes.

It just occurred to me that if I had simply paid the £277 renewal fee. I would not have been aware that the premium was subject to the MoHo claim premium - Would I have been insured if I'd had a bump in the Fiesta? or would they have saved that bullet to shoot me with it when I made a claim.

I might highly critical of insurance companies but it's because ------ I bloody hate them all with a passion!!!

 

[JohnH]

My wife was in our Fiesta when a lorry turning took the rea4 bumper off. That was two years ago and since then we have been inundated with phone calls from no win no pay solicitors asking had I been injured etc. and when our Hyundai came up for renewal I was loaded because a named driver on my policy had had an accident. I have been driving since 1962 and have never made a claim. They just take the pi55.

 

[pappajohn]

We had a claim last year when a drunk driver demolished our recovery and forecourt wall
NO increase at all this year logged as a "No fault claim"
surly a rear ender is the same is it not ?

Property George, different things.

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[Minxy]

Just remind me why you claimed for the work on YOUR insurance and not the one who ran into you? Or was it your 'fault'? I can't remember the details.

 

[pappajohn]

when our Hyundai came up for renewal I was loaded because a named driver on my policy had had an accident.

That named driver increases the risk to the insurer.
They don't care if they are now the safest driver in the world....they had one accident so they are more likely, in their view, to have another.

 

[Stealaway]

We had a claim last year when a drunk driver demolished our recovery and forecourt wall
NO increase at all this year logged as a "No fault claim"
surly a rear ender is the same is it not ?

No unfortunately it was completely my fault.
I'd just passed a parking space and reversed just a couple of feet, completely certain there was nothing behind me, - unfortunately a Renault Clio was a little less than a couple of feet behind me!!!

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[Spriddler]

Insurance is not a discretionary purchase. Insurance companies do not exist for customers' benefit but to make maximum profit for their investors and executives' bonuses. They really don't care whether they are selling insurance, time share apartments, burgers or double glazing just as long as it's profitable.
However, many pension funds are invested in major companies so we don't want them to go broke do we?

 

[gus-lopez]

Just scammers & have got progressively worse over the last 40 years. What has a 'no fault 'accident claimed from another insurer got to do with any other vehicle ? Just an excuse for the scum to charge more money.

 

[bobandjanie]

What got my back up, was being hammered on 2 car policies and the motorhome too, when you take out insurance on a vehicle using your no claims, more often than not it's only on the first policy, after that you build up no claims on the rest, when you have a knock they charge more on everything you insure. Bob.

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[Northernraider]

It's all a big scam I had 3 car policies 2 motorbike policies and a campervan one all running at the same time this time last year.
Now I didn't get them all at the same time so I had 1 car policy with 12 yrs nc, 1 with 10 yrs, 1 with 5 yrs , 1 bike at 3 yrs, 1 at 2 yrs and the campervan which was simply mirrored on my car policy at 12 yrs.

So if when taking out an additional policy they start you from scratch and don't automatically give you the amount you have nc on existing policies then by that same rule if you have an accident or claim on one policy it shouldn't affect your other ones.

Insurance unfortunately is one big rip off because it's a legal requirement.

 

[Jasz]

We have the motorhome insured in my name and the car in my wife's, so we can get our maximum no claims on each vehicle. It is rather annoying though that my wife is quoted more with me as a named driver than I am with her as the named driver - same age, same history!

 

[Stealaway]

It is rather annoying though that my wife is quoted more with me as a named driver than I am with her as the named driver - same age, same history!

Who knows - Is it .....................................because they can???

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[Jagtazman]

Fault claim in the MH last year although no other vehicles involved. Both mine and the OH car insured with Aviva direct on same policy.
Renewal notice received with a 11% increase 680 up to 770. Looked around nothing cheaper so contacted them to inform them of claim in MH. No change in premium .
MH insured with Comfort also Aviva. £30 in renewal due to claim.
Excellent result all round.
Very happy with Aviva

 

[jezport]

Fault claim in my Jag while with Adrian Flux with protected NCD They jumped my premium up £300 next year, I moved and got a policy for less than Flux charged me the year before. And heres the good bit, my MOHO insurance dropped by £10.

 

[Husky]

Hi Stealaway
Correct me if I'm wrong but if a third party rear ended you then your insurer legal exspense boys will pursue the third party for recovery of your uninsured losses such as excess. With 100% recovery then your policy noted as non fault and premium shouldn' be affected other than natural increase.

My NFU MUTUAL policy has come down this year.....yippee.

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[gus-lopez]

Hi Stealaway
Correct me if I'm wrong but if a third party rear ended you then your insurer legal exspense boys will pursue the third party for recovery of your uninsured losses such as excess. With 100% recovery then your policy noted as non fault and premium shouldn' be affected other than natural increase.

My NFU MUTUAL policy has come down this year.....yippee.

No your insurer should be claiming off the 3rd party for all & every expense.

.

Insurance unfortunately is one big rip off because it's a legal requirement.

Actually the requirement is that you can " pay all 3rd party damages"
There isn't actually a requirment to take out insurance.
Years back in the 70's the cash in transit co's were uninsurable due to robberies & deposited 25k with the Attorney General to cover any 3rd party claims .This increased over the years & in 1999 you were required to depost 500k. When I looked a couple of years back ,to see whether it still existed , I'm sure it is now 25 million ?
Having said that if you have the money then not only is it one deposit covers all vehicles but you get interest on the amount deposited. win-win all round.

 

[Northernraider]

No your insurer should be claiming off the 3rd party for all & every expense.


Actually the requirement is that you can " pay all 3rd party damages"
There isn't actually a requirment to take out insurance.
Years back in the 70's the cash in transit co's were uninsurable due to robberies & deposited 25k with the Attorney General to cover any 3rd party claims .This increased over the years & in 1999 you were required to depost 500k. When I looked a couple of years back ,to see whether it still existed , I'm sure it is now 25 million ?
Having said that if you have the money then not only is it one deposit covers all vehicles but you get interest on the amount deposited. win-win all round.

But in the UK you can be charged and banned from driving for having no insurance

 

[mitzimad]

buses in london used to carry their own insurance risk not sure now they are owned by so many companies

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[Silver-Fox]

buses in london used to carry their own insurance risk not sure now they are owned by so many companies

You'll probably find each company covers any accident damage to third party vehicles.

Royal mail are the same, I think I was told the Police also.

 

[gus-lopez]

But in the UK you can be charged and banned from driving for having no insurance

You have insurance when you deposit the money.

". Today, this UK law is defined by the Road Traffic Act 1988,[15] (generally referred to as the RTA 1988 as amended) which was last modified in 1991. The Act requires that motorists either be insured, or have made a specified deposit (£500,000 in 1991) and keeps the sum deposited with the Accountant General of the Supreme Court, against liability for injuries to others (including passengers) and for damage to other persons' property, resulting from use of a vehicle on a public road or in other public places."

https://en.wikipedia.org/wiki/Vehicle_insurance#United_Kingdom

 

[Paul J]

I've had my run-in's with Carole Nash insurance over some bike policies, usually centred around the fact that each time I changed a bike on a multi-bike policy, they would tell me how the new bike wasn't compatible with existing ones, I'd have to cancel, lose a chunk of what I'd paid, and start again. It was hillarious, and expensive ! initially a 15 year old bike was on a 'modern classic' policy, to which I couldn't add a 35 year old bike because that was an 'actual classic', (cancel and lose money) then buying the same exact type of bike which the 35 year old one was, that 10 year old bike, being a small engine was a 'scoot-and-commute' policy ! could't be added (cancel and lose money) I got so sick of it, I decided to change companies when a new bike was due in a week's time. I told them on the Monday that a new bike was due on Saturday, and could they cancel my policy on the Saturday when the new company would take over. I was nice, but I pointed out why I was leaving. what did they do ? I found out when paperwork arrived on about Thursday that they'd cancelled my insurance after my phone call on Monday, and left me to ride around uninsured for 4 days !

guess who I'm not insuring with ?

regarding NCD, it 'should' (but obviously isn't) held by the driver, if the driver has had no own fault accidents then they should keep maximum NCD and be able to apply it to as many vehicles as they fancy to insure, after all, you can only drive them one at once ! clearly you should have to inform the insurance if you've been rear-ended, they want to know that you've not had 10 such accidents recently and are doing a crash-for-cash scam. They claim to have a central claims register, but them won't give you your NCD if you can't prove it on paper from your previous insurer, crackers !

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