djw:
If the referral happens, it will not be to do with underwriting,
Maybe not, its a pity that the recent BBC report that cited Insurance companies as saying they fix prices was not give anymore interest as that would be to do with underwriting. But ultimatley the company is the company, most companies usually have a culture. If they’re dishonest then they’re dishonest.
I guess this means I have to give them a f’in ring 
Up it goes again lol
You have to laugh or els you’d cry hahaha weeping
I have just looked into this as I have had recently two accidents (one my fault) whilst in the truck and wondered how it would affect my car insurance so I have just done an online quote and it has not affected the price at all. So I would recommend that you tell the insurance company everything then at least your covered if the worst was to happen.
Yeah I need to, will call them today if they are open.
Insurance really gets on my goat!
Harry Monk:
bigr250:
Quality, good advice if you want to loose youre home. (if you own it)Ross.
So many truck drivers say “I own a house” when what they really mean is “I have a mortgage”.
(HINT) You don’t own anything until you have paid for it in full.
You don’t own a car when you’ve made the final payment either - You are merely the “registered keeper”. 
Winseer:
Harry Monk:
bigr250:
Quality, good advice if you want to loose youre home. (if you own it)Ross.
So many truck drivers say “I own a house” when what they really mean is “I have a mortgage”.
(HINT) You don’t own anything until you have paid for it in full.
You don’t own a car when you’ve made the final payment either - You are merely the “registered keeper”.
Not strictly speaking true, “the registered keeper is not necessarily the owner”, in most cases it depends on the type of finance deal you bought the car on, I tend to buy only what I can afford so both the cars parked up my drive were paid for in full before they were picked it up so in my case the registered keepers are the legal owners.
Ross.
you can’t tell the insurance a thing without it costing you.
my wife had a minor bump some years ago. it was her fault, i contacted the other driver and said i’ll contact our insurance, then decide if we should go down the insurance road, or sort it out between us.
i phoned the broker, and gave them the details like a scenario, then decided to leave them out of it, and pay for the work on the other car myself.
when the renewal came through, she had to pay about 50% more than the previous year, even though no claim had been made. i explained this to them, but they decided that because of the phone call i made, she was a higher risk than before.
we just went to another company an told them [zb] all.
limeyphil:
you can’t tell the insurance a thing without it costing you.
my wife had a minor bump some years ago. it was her fault, i contacted the other driver and said i’ll contact our insurance, then decide if we should go down the insurance road, or sort it out between us.
i phoned the broker, and gave them the details like a scenario, then decided to leave them out of it, and pay for the work on the other car myself.
when the renewal came through, she had to pay about 50% more than the previous year, even though no claim had been made. i explained this to them, but they decided that because of the phone call i made, she was a higher risk than before.
we just went to another company an told them [zb] all.
I had very similar with my house, the roof on the extension is a flat roof, and it started to leak not long after we moved in. I went up to cover it and it was rotten, and collapsed, so I phoned the insurance company, they asked how old the roof was, “no idea - just bought the house”, well, it sounds like it’s over 10yrs old, so we won’t cover it.
So, replaces roof myself, insurance renewal comes in, 40% dearer and with 0 no claims bonus, so I contacted them, because I’d attempted to claim, I lost my no claims, even though no claim was made 
You will never beat an insuance company, they claim they lose money on motor insurance but continue to sell it, I wonder why?
Two points, when I got a quotes after an accident earlier this year, that wasn’t my fault, one of them went up by £100. Other quotes remained the same. When I got a quote from Adelaide, who specialise in insuring LGV drivers, I mentioned the accident and was told it didn’t count.
In many instances of small bumps the operators don’t bother to claim due to the fact that the excess will exceed the cost of the repair and ultimately increase their renewal premium.
I have previously tried to disclose a HGV incident upon renewal of car insurance to Tesco, they weren’t interested, they were however, interested in the towbar I fitted recently .
MADBAZ:
I have previously tried to disclose a HGV incident upon renewal of car insurance to Tesco, they weren’t interested, they were however, interested in the towbar I fitted recently
I’ve never declared a towbar, never even thought about it
When then ask about modifications, I think of flashy alloy wheels with spray on rubber, gay body kits and ‘air induction kits’ and things like that, not a tow bar.
Told my insurance about one of my bumps today after reading this thread, couldn’t remember the date of the other one, they raised it by £51 a month… I wish I hadn’t told them…
What about companies like DHL who don’t have insurance and do a self underwrite scheme? Will accidents on this be recorded on the database?
waynedl:
I’ve never declared a towbar, never even thought about itWhen then ask about modifications, I think of flashy alloy wheels with spray on rubber, gay body kits and ‘air induction kits’ and things like that, not a tow bar.
Any change to the standard specification counts as a modification, so technically you even need to tell them if you change the stereo for an aftermarket one.
Paul
ibson:
they raised it by £51 a month
An extra 600quid a year! We pay less than that in total for the insurance on two vehicles, one of which is a 2.3 litre SAAB and the other a heavily modified V8 Land Rover (with all mods declared).
Paul
repton:
ibson:
they raised it by £51 a monthAn extra 600quid a year! We pay less than that in total for the insurance on two vehicles, one of which is a 2.3 litre SAAB and the other a heavily modified V8 Land Rover (with all mods declared).
Paul
My renewal is in September and the accident happened in April last year, so I had to make up for 1 year of not telling them apparently, even if you inform them of a bump you don’t pay until your renewal, but as I didn’t do it last time that’s now what I have to pay… But all hope may not be lost, as I pay monthly I don’t need to stay with them, I can leave tomorro and go with someone els, and that’s exactly what I’m going to do, I shouldn’t lose my no claims as he said to me on the phone as long as I have be insured for the time I have had a licence (I have) and I haven’t made a claim on my own policy (I haven’t) I can keep them and go els where with my 6 years no claims.
I did a search and with my two bumps in work included and 3 points for speeding and i got a quote for £750 a year, that’s a lot better than what I’m paying now, not even sure why! As its including my bumps :s (not claims) anyway I will get the exact info of my bumps and costs from work tomorrow and tell admiral where to stick it!
ibson:
But all hope may not be lost, as I pay monthly I don’t need to stay with them, I can leave tomorro and go with someone els, and that’s exactly what I’m going to do, I shouldn’t lose my no claims as he said to me on the phone as long as I have be insured for the time I have had a licence (I have) and I haven’t made a claim on my own policy (I haven’t) I can keep them and go els where with my 6 years no claims.
Be careful - though you pay monthly, you may actually have an annual contract of insurance with a separate finance agreement that allows you to settle the premium by monthly instalments.
You will certainly lose the no claims from the current year if you cancel mid-year. There may be other consequences, such as a cancellation charge. It sounds as if you’re paying so far over the odds that it’s worth going now - but it may be wise to ask Admiral to give you a quote of exactly what you will pay if you cancel and how many years of no claims they will be certifying (make sure you ask for a written statement of no claims - your new insurer may need it).
Fallmonk:
So does this can i can tell Ins i have been on my bosses Ins policy for ex amount of years and share his no claims policy ■■?
some how i doubt it , typical INS companys wanting it all there own way !
Of course it is. When you come to claim they will use everything in their power to avoid paying out. Even the tiniest deviation from their rules.
On the up side - I just changed my car and as a result had a rebate of 31p. They actually deducted this from the £10 admin charge for changing the vehicle. Adelaide BTW - no problem changing it, changing it back as new car wasn’t ready then changing it yet again. Only one admin charge and no problem sending (e-mail) me the new certificates within 2 mins of my phone call.
bigr250:
Winseer:
Harry Monk:
bigr250:
Quality, good advice if you want to loose youre home. (if you own it)Ross.
So many truck drivers say “I own a house” when what they really mean is “I have a mortgage”.
(HINT) You don’t own anything until you have paid for it in full.
You don’t own a car when you’ve made the final payment either - You are merely the “registered keeper”.
Not strictly speaking true, “the registered keeper is not necessarily the owner”, in most cases it depends on the type of finance deal you bought the car on, I tend to buy only what I can afford so both the cars parked up my drive were paid for in full before they were picked it up so in my case the registered keepers are the legal owners.
Ross.
You’ve never read The Straw Man have you?
(1) Rarely is the person completing payments on a car then going to hand it over to someone else to keep.
(2) You are keeping the car paid for as an income-producing asset of DVLA. You’ll be paying them so much each year just to take it out of your driveway. Only keeping it “as registered keeper” on that same driveway permits you to not bother providing DVLA with an income - that, and getting shot of it of course!
I only pay DVLA because the law says I must, not having a driveway. 
Really “owning” something means you can destroy it, sell it, or use it in public without asking anyone’s permission, or paying any third party any kind of tax or commission. This clearly isn’t the case with being a mere “registered keeper”.
If you have nothing to take, you cannot be robbed by the state.
