06-21-2018, 04:41 PM | #46 |
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I live near Woburn Golf course where the senior masters is held. Nice area, good postcode - unfortunately that brings people to burgle for car keys and stuff. I know of 3 Golf R's around here that have gone :'(
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06-21-2018, 04:53 PM | #48 |
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I'd seriously consider Autowatch ghost on your cars
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06-21-2018, 05:04 PM | #49 |
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The point of insurance and the minimal legal requirement is to cover a 3rd party against any loss he or she may have had and put them back into a position where they are not out of pocket.
Effectively putting them back into their pre accident situation. In the case I explained, the insurer obviously got a bit spooked by the quality of the corrospodence from the barrister and did not want to fight for the sake of a grand or so. In teastons case, they will try to rape him on renewal but in true fashion his risk rating to the insurers is the same today as it was yesterday. |
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06-22-2018, 01:28 AM | #50 |
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Sorry to see this mate. Standard of driving is diabolical these days.
This is the thing that really pisses me off with insurance, when did it become the norm that premiums increase when claims are third party. Wankers, the lot of them.
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06-22-2018, 02:08 AM | #52 | |
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I was at home with a high fever, when my parked s8 was crashed into and then written off. Saw 20% increase. |
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06-22-2018, 02:27 AM | #53 | ||
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06-22-2018, 02:30 AM | #54 |
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OP - Really sorry about the motor, it's galling when that sort of thing happens and indicative that there are so many cnuts out there who really don't give a damn about anyone else. Hope you get it sorted.
Insurance companies - what really busts my balls is they they put these cosy happy adverts on TV where they make out they're your best friend ever when in reality they're just there to plant one up yer backside!
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06-22-2018, 02:33 AM | #55 | |
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06-22-2018, 09:04 AM | #56 |
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It's piss poor that they increase premiums when you were stood still in a line of traffic in the correct position and some loon crashes into you.
I had a situation once when a named driver on my policy wrote my car off, a 42k pay out IIRC but no other parties involved apart from the tree. When I questioned direct line about how it would affect my premiums they said I didn't have to declare it even though it was on my insurance policy and they paid me out but the named driver would have to declare it on his insurance.
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06-22-2018, 02:30 PM | #57 |
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That's a sh1tter. Looks like he just wanted a go faster stripe?!
It is bu11shit you get charged extra for a non fault claim but sweet fa we can do about it. Same with my wife, someone drove into the back of her nearly 5 years ago but still have to declare it. I have noticed this renewal time thoigh alot of insurers actually only are worried about in the last 3 years now. As you say not worth the risk of giving the scumbag insurance companys a loop hole if you ever had to claim. Use a main dealer for the work and see if they'll give you a 340 As a loan and you can see what driving a "proper" bmw is all about... |
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06-22-2018, 09:41 PM | #58 |
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Teaston if you do go down the insurance route and have like for like courtesy car cover depending on who your with, the insurance company normally have two types of courtesy car pools:
1) fault claim 2) non fault claim The non fault claim pool are upgraded versions as they can charge the other insurance extortionate amounts for hire expenses. Don't forget to ask your insurance company - my misses was upgraded to a Merc cls 350 cdi from her like for like bmw 320 as she was not at fault. |
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06-22-2018, 10:30 PM | #59 |
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Sorry teaston for the damage. Not much love for the insurance industry here... hope your car gets repaired and you don't get hit on the premium side next year. Here's an article that won't help, but may give understanding on premiums....
Motor insurance has been unprofitable for a number of years. And no I don't do motor insurance..... https://www.ey.com/uk/en/newsroom/ne...iplash-reforms LONDON, 20 November 2017: The UK motor insurance market's profitability is expected to approach break even this year and see a strong uplift in profits in 2018, according to EY's latest UK motor insurance analysis. This follows the revised proposals for the Ogden discount rate for personal injury claims published in September - which the Ministry of Justice expects will result in a new rate between 0% and 1% - and the prospect of the positive impact of the whiplash reforms which should reduce bodily injury costs markedly.
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06-23-2018, 06:42 AM | #60 | |
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A CLS350 is in no way like for like for a 320 too... |
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06-25-2018, 09:42 AM | #62 |
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Jesus - what a difference. Looks like you could get that dent out of the wing with PDR too.
Nice one
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06-25-2018, 10:03 AM | #63 |
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06-25-2018, 11:59 AM | #64 |
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06-25-2018, 12:09 PM | #65 | |
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Far more likely to be someone coming down from the Midlands. |
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06-25-2018, 12:48 PM | #66 | ||
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