MY BMW M140I IS DAMAGED 😞 // INSURANCE TIPS AND TRICKS!!!
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- เผยแพร่เมื่อ 2 ก.พ. 2024
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Insurance needs to change? Wait for my story.
Early 2022 - My Focus ST 2 (2017 reg, 2.0 247bhp) decided to have engine failure on a dual carriageway, a loud "clunk" followed by wisps of smoke pouring out from the bonnet. The car decided to dump it's oil all across the carriageway. As the dual carriageway had no hard shoulder, I had to stop in a live lane, it was around 11PM at night and pitch black. I was nearly wiped out 7 times as I got out of the car and tried to get as far up the bank as I could, but due to the overgrown bushes at the side of the road I was never more than 3 metres from the carriageway.
Eventually a police patrol came across me and called National Highways to clear up the oil spill. The chaps turned up, spoke to me briefly then cleared up the spill, spent 15-20 minutes just chatting to the officer and then left. My insurance wouldn't pay out for my car as it didn't "catch fire". The engine was completely broken and apparently the block had a "large hole" in the top of it. I ended up selling the car as a non-runner to CoPart for £4k. At the time it was worth between £10k-£13k. My insurers deemed this an "at fault" claim. I received a letter in the post from my insurers 1 week later stating they had received a claim against me from "National Highways England". When I called them to query the claim they said they'd need to look into it and I couldn't just pay it myself. I called them again months later and they were still discussing the claim with NH and it still hadn't been settled, the representative told me that claims like these can often drag on for "years" until the claimant either gets bored of pursuing it and drops the claim, or eventually the insurance company just pay out after exploiting as many legal arguments as possible.
March 2023 - whilst asleep in bed after a night shift, my BMW 335D that I had only acquired a few months earlier, was struck by a delivery driver who then delivered to my house 90 seconds later (without knocking or ringing the doorbell, simply putting the parcel on the ground and walking away). The driver was never identified as none of the CCTV I have at my property captures the registration, due to the layout of the house and the drive any CCTV is only "side on" to the van. I paid my excess of £550 and the car was in the garage for almost an entire month whilst they fixed it. It was struck at around 20mph but by a tall long wheelbase van. During the collision the car rocked back around 1 metre and the wheels which were straight were buckled and pushed out to one side.
The car required new suspension components, new headlight unit, new bumper, new nearside wing panel, and a new steering rack which had to be coded to the car. When I collected my car I paid the excess of £550. The policy for that year was £1,750.
Having just renewed my policy 2 weeks ago, my insurance has now skyrocketed to £4,400. That was by far the cheapest quote. All because someone can't drive their rental van and hits a stationary parked car and then buggers off. The day after the collision I spoke to what I suspect was the same delivery driver, he stated that most of the delivery drivers use "rental" vans and they have "high excesses on them". He further stated the excess was "£5,000" since they need to rent them for as little as possible to make the self employed delivery job worthwhile. 2 days later I saw him again delivering, and snuck up the road to find the same blue van (with some repaired damage that would correspond to where my car was struck) parked around the corner, despite him delivering to my whole road again. I noted the registration but this is only circumstantial and isn't proof that that van was the one involved in the collision with my vehicle.
Almost 1 year down the line I'm still trying to reclaim my excess. I have appointed a motoring solicitor firm under the insurance policy to act on my behalf to attempt to reclaim the excess. If my insurance goes from £1,750 and a whole year later with more driving experience, still no points and no convictions, it's now £4,400 due to other people's negligence then I feel the least I deserve to claim back is my excess.
I'm 28, turning 29 in a few months, been driving for 11 years (Jan 2013), completed Pass Plus to "Exceeded" grade, no points and no convictions yet I am now paying as much as a new driver and in a lot of cases more than a brand new driver would.
I read your whole post and I can empathise with you fully. I too have had my fair share of incidents which are unconditionally out of my control. Ive had to take 5 or so accidents on the chin as I never got the other parties details or it wasn’t financially worth going through insurance and the other party were not willing to accept liability. One day in 2019 my car was driven into while parked. My dash cam caught the incident. I acquired the drivers contact details and contacted him, he said he didn’t care as he had several claims and called my bluff of going through insurance, so I did. Now 4 years later I’ve had to pay more than twice the insurance premium for those 4 years (another 1 year left) and truly it’s not worth it. Insurance is a scam.
This is so awful, holy shit
It is what it is. Life is shit sometimes. I begrudgingly pay it and move on. I just pray to god that I don't get hit again by another driver who doesn't stop within the next 3-4 years. If it happens again this year my insurance would probably be £10k and I simply would have to sell my car and use the bus everywhere, due to other people's inability to drive their own car and negligence.@@slonkijippie
It is what it is, life is shit sometimes and I often wonder what the point is in life (not just as a result of this, but also other personal reasons)...
I do feel as if I'm treading on eggshells for the next few years, all for something that wasn't my fault whatsoever.
If another muppet drives into my parked car and drives off, it'll be another "at fault" claim and my insurance will probably go up to £10,000, or insurers will outright refuse to insure me. I had enough trouble getting insured with those two "fault" claims as plenty of insurers refused to do business with me because they believe I was too "high risk" after just 2 claims in 11 years driving.
I'd end up selling my car (At a loss), and using the bus everywhere or scrounging lifts.
Life really is crap sometimes.
@@slonkijippie
The problem we have got in the U.K. is that we have a large % of drivers who shouldn’t be anywhere near the drivers side of the car. Just watch those dash cam channels. People that don’t look when pulling out at a junction, no car control, no hazard perception, no clue. That’s the issue. The roads are full of road users that are an accident waiting to happen - and it invariably does. My son is turning 17 this year and we want him driving so he can become more independent etc - but the insurance is circa £2500-4000. How is that fair? This country’s insurance business model is scandalous.
Read my comment above if you think that's unfair!
To be fair the "dash cam videos are proof for bad driving" argument is nonsense. Or did you ever found a dash cam channel that shows good driving?
for your son what ive found is look at a car typically driven by older drivers. my first car was a 20 year old 3 series with just over 100 hp, and i had to pay 2000. ive just bought a jaguar v8 with 4x the power and the premiums are half. look at something like an estate or even an suv, the fuel will be more expensive but youll make savings on insurance and itll be a bit safer too. insurance group is largely very irrelevant in my experience (again, bmw was group 21, jaguar is group 50), hope this helps!
I’ve just insured my daughter . Passed last month, 17, 2010 1.4 Polo that we already owned (shed car that I used for tip runs and actually hadn’t been used for months). £1700 with a black box.
@@barrywhite5899 my partner has a 1.2 polo and i think she paid something similar initially, if your daughter isn’t sick of the blackbox after her renewal a second year will bring it down massively
100% Brilliant video !!!!
November 11th 2023, my M140i, which I had spent thousands on, and had 4 brand new pilot supersport tyres fitted 7 weeks before the accident, and 4 brand new M Performance dimpled and grooved brake discs, pads, etc fitted 4 weeks before the accident.
I hit a patch of diesel on a dual carriageway accelerating from a roundabout, in traction off mode, and left the road backwards into a tree.
The Police said it was in a dangerous position and they would be recovering it, which I would have to pay for.
I called up (it was a Sunday) and after spending 90 mins in a call queue they said the claim would be reported but because it was a Sunday, I would have to call back on the Monday to report the claim details. I could not have a loan car until it was decided the car could be repaired.
Monday I spent 70 mins in a call queue, only to be told my insurance company (Saga) was underwritten by AXA, and I needed to call AXA. So, another 90 mins in a call queue to AXA, and 30 mins on the phone so they could take details of the accident. Because the Police had not proven there was diesel on the road, the accident would go down as my own fault.
I called the Police, and was given an email address to contact, and I asked if they could check the road, and the Police said they were not going to shut two lanes of dual carriageway just to check the road for diesel as it was 2 days later. Yet two other people told me they also had felt the road surface was slippy on that particular afternoon, but luckily for them they did not spin out.
The insurance (AXA) said they would be in touch. 5 days later nothing so I phoned again (another 90 mins in a call queue, and they said the recovery company had not delivered the car to their assessors yet. So I called the recovery company, who said they were waiting for the insurance company to collect the car, because they hadn't paid the storage fee yet.
AXA told me to send images of the damage to their repair centre, which I did, and a day later I phoned again (another 2 hours in a call queue), and was told they had seen the images and the car looked repairable.
Another 3 days and 3 more evenings after work spent in call queues trying to get information, and eventually my car was collected and assessed.
Another few days nothing so again hour or so in a call queue to get through, passed around from one department to another, was cut off and had to go through the whole call queue again, repeat to fade.
Copart phoned and told me the car was a total loss, and I could not have a loan car. They asked for details, and any finance settlement fee, which I gave them, a copy of the settlement fee letter with the finance company's bank details so they could pay.
Now at 3 weeks after the accident, I finally got a payment from copart for the value of the car, minus the insurance excess, and minus the finance settlement fee.
I thought this was the end of the matter, but no ....
In January this year, I got a phone call from the finance company Santander (well the actual finance company I had the contract with was Hyundai customer finance, but was underwritten by Santander), who said I had not paid Decembers monthly finance and it was due plus a late payment fee !!!
So hours on the phone in call queues for the next 2 weeks, trying to work out who had made an error, between Saga, AXA, Hyundai, Copart, and Santander, literally 2 to 3 hours every night for 2 weeks, getting passed from one department to another, and each company blaming the other company, and my January payment was due soon, and I could be blacklisted if I didn't pay !!!
So I paid the December monthly payment, even though I did not owe it, as it should have been settled.
after 2 weeks of spending my evenings after work, trying to sort this mess out FOR THEM, I just snapped, I had enough of their incompetence and useless customer none service. What was I paying all of this insurance money for, it should be THEM sorting out the mistake not me.
I made a formal complaint to Hyundai, and to be fair, Hyundai have been the most helpful of all.
It seems like somebody at AXA, had put the wrong sort code on the payment, and my settlement had gone to the wrong person FFS !!
So, now I have to wait for 8 weeks, as this is the amount of time they have to settle a complaint. They know it was sent to the wrong person, but 4 weeks in and I am STILL WAITING for this simple error to be resolved.
All it needs, is for the money to be paid to the correct bank account, following the details clearly stated in the settlement letter I gave to AXA, and for them to refund me my December payment plus the late payment fee, which I should not have been asked to pay (and certainly not threatened with being blacklisted). Also for my credit score to be amended back to where it was.
Three months after the accident, I am still waiting.
They are all useless, money-grabbing, muppets, who are very quick to threaten you if you owe THEM money, but when they owe you, it takes months to resolve.
Finance, insurance, the whole lot of them, they are all as bad, they don't care about customers, or the stress all this has on a person, they don't care about 'looking after you in an accident', they don't care about resolving things, they just take your money and forget about you.
I have absolutely no confidence in any of them, because not one of the hours I have spent on the phone has resolved this yet, I was fobbed off, lied to, passed around to wrong departments constantly, even cut off and made to start the call queues from the start several times, making me spend every night on the phone after work for weeks.
Hate is a strong word, but I actually hate the whole lot of them.
Read my above comment - you're in an almost similar position to mine. In your case you slipped on spilt diesel which lead to a claim against you. In my case my car's engine blew up leaking oil across the carriageway which lead to police turning up and calling national highways to clean up the oil, who then claimed against me. When I then got my new car the end of that same year, I only had it 4 months before a delivery driver struck it and delivered to my address 90 seconds later (without knocking or ringing the doorbell, simply puts the parcel on the ground and walks off). This was another "at fault" claim against me as the CCTV didn't captured a reg, and the driver was never traced. Clearly not my fault as my vehicle was parked and I was asleep in bed having finished a night shift at 8AM that morning.
In the space of 13 months I went from 0 claims in the "last 5 years" to "2 claims in the last 5 years, both at fault". Arguably they really shouldn't be "my fault". Car engine blows up, leaks oil, police call national highways who clear oil then claim against my insurance - found at fault.
Muppet delivery driver crashes into my car, parks 10 metres up the road, delivers to me without saying anything or leaving a note, then buggers off in his rented van. Another "at fault" claim.
Utterly absurd and as a result my insurance went from £1,850 a year (28 years old, full UK Manual license clean for 11 years, pass plus "exceeded" grade, drive a 3 litre BMW 335D 2017 reg), to £4,450 a year.... absolute con.
To this day I'm still trying to reclaim the £550 excess I paid through a motoring solicitor's firm for when that muppet van driver hit my car.
For those that say "it's the car you drive". I tried to get a quote on a 2 litre BMW X1 (F48 variant) 68 reg, which my parents own. When adding the "fault" claims to the quotes the cheapest quote was still just under £3,000, and that was with telematics, the majority of the quotes were £3,200 - £3,500.
Insurance is utterly moronic. Priced on "Risk". I drive in a spirited manner, yes, but how many crashes have I have that I have actually caused? 0.
How many bans have I had? 0
Disqualifications? 0
Points? 0 in 11 years.
Yet i'm "high risk" because other shitty drivers can't drive... fantastic isn't it?
@@thefiestaguy8831 Absolutely.
I feel for your pain and stress.
These companies are all just playing one big game with each other, and even when one 'party' is to blame, often they will do an unofficial handshake and go 50/50, it is just 'business' and the stress, the feelings, and the well being for the end customer, who might have had to go through horrific changes in life due to an accident, are not even considered.
They play on this caring 'we'll take care of everything if you have an accident' type image in their adverts, but in reality is is completely not like that, as we both know.
FWIW I have been driving over 35 years, and this is my first claim !!!
For my first ever claim, to have been cocked up so badly at every stage, tells me I can not be alone, and it is probably very common for these companies to make complete cock ups of many claims.
That's a shambles. Can't believe they paid the wrong person and yet you get blamed for non payment. What a joke. My only advice would be to leave the traction control on my friend. It's just not worth it and the insurance company could void your insurance for driving with it off and put the everything on you
@@Emjackson89 Today, I had a voicemail stating the finance settlement has now been received and that the refund for December payment and the late payment fee, has been authorised.
I just prey my credit score has not suffered.
Fingers crossed !!
It's only taken them 5 weeks from when I made a formal complaint ....
Thank you for taking the time to read my story.
2 comments on this vid:
1) watch it back and notice by your hand gestures how distracted you are while talking and driving.
2) assuming you went for the cheapest quote as anyone would. That might explain why when you actually claim they are so slow. Reeling you in with a price and hoping not to have to deal with you until renewal.
I had a double claim when someone drove into my parked van which was in front of my parked car. My insurance company dealt with everything, sorting a courtesy car delivered which was great and offering a second courtesy vehicle to replace the van which I declined. They called me at my convenience to go over what happened with damage to each vehicle and asked about medical treatment and lost earnings etc. obviously as both vehicles were locked and parked there were no injuries. All was smooth and stress free they were brilliant.
Insurance is a joke in the UK at least, I paid £2,350 last year for my M140i and someone reversed into my rear door.
I was not at fault, yet I was still going to be penalised for making a claim as I lose my NCB. So I declined making a claim and I still refuse to this day to ever make a claim anymore.
I just feel like we pay car insurance just so we can drive the car that we own. 🤬
Did you manage to get the person to pay for the damage?
@@crazyforiegner2 3rd party came back saying it was a 50/50 fault because we was both reversing. However 3rd party must’ve forgot to mention that she was reversing from a no parking zone. I wasn’t expecting them to reverse when they could’ve just drove forward.
You should have protected your ncb.
Had an almost identical situation where a young driver rear ended me in stop start traffic because they were on their phone. I told them not to go through insurance, but the cost of repair for them was going to be too much to stomach so went through insurance anyway. 4 years later, I'm STILL paying more each year (about £150 per year) for my insurance, for an accident where I was stationary. It's absurd and needs reform. No other industry gets away with as much day light robbery as the car insurance sector.
last year my friend had accident.. it was first rain after weeks of nice weather (yes, in the UK 😂)-so slippery road- and she hit the pothole (just leaving 30mph zone ), she lost control and of course damaged the car..back home, called insurance company(Direct Line) and all good.. this is from Direct Line webpage : ".. you won’t lose any of your earned No Claim Discount where it’s not your fault.....Potholes or poor road maintenance".. she lost 5 or 6 NCD out of 9(9 NCD is max given by Direct Line). on the phone she was told that somebody have to pay for the claim and there was nobody else involve so they take NCD... WTF?!?! Because of this, she had to pay extra Ł800 on her new insurance/car 🤦♂
you are very correct with this sentence: " ..day light robbery..." 😤
have a good day 👍
I just need to add... she did get brand new curtesy car(the highest spec possible), key trough the letter box , had it for few weeks and picked it up without any problems, so all very customer friendly, but annoying false advertising!!
What will make you even madder is that the amount it goes up by is not affected by who was at fault! Really difficult in the case where you are not moving and have nowhere to go to avoid a collision. Makes you realise how unimportant priority is and how critical it is to try and keep your vehicle in as safe a place as possible
@@mattwoodford1820 Yeah it’s a joke isn’t it. That was my only accident in over 10 years of driving though so I’d like to think I’m keeping my car out of harms way most of the time! Hopefully no more for any of us in the future
@@elliotwilkie6721 it was her first accident in about 20y of driving in the UK.. and in that time we only "collected" 9 NCD with direct line.. they don't do more than that..but they took 5 or 6y NCD away because of this (one!!)accident 🤦🏻♂️
Have a good evening 👍🏻
The main big problem with insurance is that the insurance repairers completely rinse the insurance companies for every penny, which is why insurance itself is so expensive and why they cant afford the staff so the calls can be answered faster. My friend's mini was reversed into at 5 mph, the only damage was the plastic numberplate plinth and a slight dent on the bumper. To smart repair the bumper and replace the number plate plinth would've been around £400 max. The insurance repairer quoted over £1600 for the repairs. And we wonder why insurance is so expensive.
Similar happens with the vets friend quoted 1.2K oh you don't have insurance we can get it down to £450 😅
@@anthonymeek4248 absolute disgrace, they don't know what kind of damage they're doing
Love listning to your storys. As a german i really like to listen to your proper english. It feels like music in the background :D
To me, I am lucky enough that I didn't invoke any of my car accidents for now but still, car insurance needs to be reformed and changed because it has no reasonable price/service for it. I do recommend that all motorists in the UK join together and complain to the local MP to do legislation reform on car insurance and limitations for car insurance as it has been gone too far.
As with the "20mph road" things, we should stand and fight these stupid, messy scams.
car insurance is fraud. cheapest I found was £2k on my 1.2 with a black box. I'm an 18 y/o who learnt on a 320bhp turbo, 1000s of miles of accident free driving, passed first time with 2 minors, etc. And I'm paying like an 18 y/o whos passed on their 10th time in an automatic never gone above 30mph and crashed on their first drive. God forbid I get in an accident, insurance will never insure me again 😂
That's not actually that expensive. When I was 18 and passed my test then (2013) I had a 1.2 Renault Clio 2002 reg. Car was worth £1,150. I paid £1,100 for my first year's insurance fully comp on a multi-car policy with low mileage (around 5k). I also completed Pass Plus the following month and achieved "Exceeded" grade.
I wrote a long comment above which shows just how ridiculous insurance is, I'm now paying £4,400 a year for insurance after having been driving since 2013 without any points or bans/disqualifications. My insurance on the exact same car I now pay £4,400 to insure for this year was only £1,750 the year before....
They want to make driving unaffordable. It's bigger than a poor insurance policy it's one big racket. Just look at how they condemn combustion engines when EV's are objectively worse and overall no less emissions just makes people think they're saving the planet.
@@thefiestaguy8831 that's crazy. I've got a 2012 1.2 Corsa insurance group of about 12 and with the blackbox that was the cheapest possible quote i found after passing. I checked for other cars before buying the Corsa older cars obscure £600 dingers and they were all either excess of £3k or uninsurable for me.
2 years ago when I ran fake quotes pretending to be a new driver before I passed, I got £800 quotes on 2.0 Sciroccos with near 200bhp and around £1.4k without blackbox. now that's nonexistent. makes absolutely no sense.
insurance companies don't understand that majority of drivers my age do not have a car due to high insurance. so in a few years time they will have no young drivers paying them and they'll have to try everything to get that market back.
Yeah that’s cheap. I passed in 2007 and was paying £3k for a 1.2 Clio for my first car.
Yeah whole things a mess man. Very similar situation to me in my M240. 6 Weeks after getting it, I was passing a lorry on the motorway and it changed lane without warning. Clipped my back passenger side, spun me to the side but managed to keep control fortunately. £1k+ of damage but I got off light. Could have easily been a write off of me and the car. Renewal come through and it went from £750 a year to £2.5k due to this no-fault accident. 1 year later I'm still out of pocket the repair costs and the extra insurance costs.
Been saying it for years, insurance is the biggest legal scam going. Needs further regulation.
I lived in UK for about 3,5 years and i remember that car insurance was stupidly expensive, i have bought a vauxhall zafira from 2002 for 800 pounds and i had to pay 220 pounds a month for a car insurance, obviously it would be quite cheaper to buy it for a year stright away but i couldnt aford that at the time, to compare now for my BMW E61 in Poland i paid 650pln for a whole year which is about 130 british pounds, and i had an accident, elderly lady drove her fiat cinquecento on the road in front of my house where was my car parked, while she was approaching place where my car was she feld sick or something and hit my car, i had no major problems with insurance claim in a matter of about 2 hours car was taken straight to the workshop where it was properly repaired, i even got some money from insurance company because i have resignated from replacement car because i was leaving for 2 weeks holiday and i didnt even need a car, only bad thing was that repair took like a 3 weeks but i was informed by the workshop that it will take that amount of time and i could change workshop if i wanted.
Had a very similar experience last year. Van driver drove into me and car wasn’t drivable. I had a courtesy car in my policy but only once the car had been approved for repairs. Waited over 5 weeks for them to approve repairs just for them to deem it a write off, meaning I was without a car for over a month. Took them even longer to finally pay out
Gutted for you mate. Total nightmare. It's my fear on the road everyday-being hit. The standard of driving nowadays is shocking. Hope you get sorted.... *Love the channel. 🤝🏼
Wow when my my mk8 golf r was damaged in a similar way . My car was collected within 32 hours with a courtesy car delivered at the same time and i had my car back 5 days later good as new . And i didnt have to speak to anyone on the phone the company is genral accident always been easy to use evething online and is way more efficient
sounds like every story ive ever heard about uk car insurance, i m amazed they didnt try to avoid paying with some hidden clause
Sorry to hear about your car. Insurance companies have always been like that. Your car insurance would not be as cheap (yeah I know!) as it is if they did all that legwork for you. Being in the motor trade is always going to make your premium more expensive. I've had to do the same and called the insurance company every day. Got to the point where they told me I didn't need to call every day to which I replied, "OK, speak to you tomorrow". They got my situation sorted because they got annoyed with me calling them up every day until they actually did something. Your incident was a really unfortunate one as there wasn't a huge amount you could do to avoid a collision. Sadly whoever was at fault does not affect the premium as the risk factor is adjusted according to being involved in an incident rather than what percentage fault you were at (despite the "who was at fault" part for setting up the insurance quote)
there is a medical treatment payment company called Crowdhealth, unlike insurance it is like a whip round,if there are no payouts there are no premiums...perhaps crowdfunding could work for car accident expenses
On another note, be very wary about what sort of vehicle the insurance have provided you. Is it a loan car or a courtesy car? There is a big difference. If it is a loan car, the rental agreement is in your name and the insurance company usually provide these in the hope of reclaiming costs back from the third party. The problem is, if the third party dispute the costs, especially if repairs take a long time, then you may end up paying some, if not all of the costs. Some of these loan cars are £200+ per day and that racks up quickly!
My M140i went to my local Sytner garage for them to carry out warranty work on the passenger side rear light. Got the car back with a chipped bumper. Went back and forth for around 2 weeks for them to categorically deny it. Can't do anything about it.
I have certainly read articles that actually the insurance industry runs very tight margins. The calculation of premiums is also pretty unfair. But as others have pointed out the money waste is in the extortionate courtesy cars, repair times, part availability, inefficient admin etc. Lots of middle men are all taking chunky cuts because they aren't ripping off a single person it's a whole big corporate so there's less guilt.
My experience over a fair number of years with Greenlight Insurance has been a really positive experience to date.
I've had a few times a car hit into me even rear ended. Luckily none of them too serious and settled privately. Insurance I know will be too much hassle and my insurance will go up despite none of them being my fault
Few years back when I was 19 i got rear ended at a roundabout. Bloke who hit me admitted full responsibility which helped matters but alas, that was the least of my woes. Damage to his car was minimal, his VW badge popped off and a small scuff in the paint of his MK4 Golf. Damage to my car...it's a classic mini so the whole back of the car had to be cut off and replaced.. damage in excess of £3000 to repair.
The body shop was perfect, I honestly can't fault them as the guys there weren't happy with the quality of the cheaper panels the insurance company authorized so fought hard with me for heritage panels (which came off the original moulds, not reproduced moulds)
The insurance company though were useless. I was paying about £850 a year for the car pre accident. They were impossible to contact, really didn't seem to care about any matter of urgency (car was in repair for nearly 3 months) and were genuinely useless. I ended up having to drive my crash damaged car 30 miles to the repair centre because after 2 weeks of waiting they hadn't sorted out transport for it, and when they did the bloke never showed up.
Finally I got my car back and it was almost perfect, given it's age I really couldn't complain.
I have protected NCB and wasn't my fault so I *foolishly* thought I would be ok on renewal...
Oh how I was wrong.
so given it was NOT my fault my insurance went from £850 to £2100.... Thankfully I was able to get that down on comparison websites but the principle of putting it up nearly 3X for simply being sat at a roundabout waiting my turn and being hit by someone who was watching the roundabout and not what was In front of him is WILD.
UK insurance is a scam - different company cancelled my partners insurance because they apparently asked her if her status had changed (she was a student and it had not) but because she didn't confirm this (no email/call/letter from the insurance company ever arrived) they cancelled her policy on the spot, which now stays with her forever.
I had a very similar story with Aviva , paid £1358 for a years insurance on my 2017 B Class, was t boned by a vehicle blindly pulling out of a side road so total non fault , vehicle had no warnings on the dash or cluster but when it returned from the repair centre it had EML, SRS and power steering lights illuminated , long story short the garage had accidentally damaged the loom and it was only resolved after 12 months and a financial ombudsman's investigation came to the result for Aviva to pay out the full value of the vehicle after i received it back with the faults. worked out wonders for me in the end getting the full value , the vehicle only costing £300 for a new loom harness fitted, plus the vehicle was never put onto the CAT list.
The hoops you have to jump through to get someone to take accountability with insurance companies is stupid.
You need to make friends with a good local accident repair shop, you can choose who repairs your car ultimately and there is nothing an insurance company can do about it. They use the trick of denying you a courtesy car, but the local repair shop will give you one any ways
You're completely right car insurance hasn't been great for years now.
I had a 2nd car, just an old TT that got hit at the end of 2022 on the dual carriage. Someone just decided to mirage into me, despite sitting on the horn and nearly risking my own life with the middle barrier! haha, accidents happen I suppose!
I had to chase every single day.
1. the assessment for right off
2. the third-party valuation
3. insurer every day because they promised to ring me. ( This never did)
What is more scary! During this whole ordeal, I had a scam call every other day about the crash. I reported it like 5 + times to the insurer and they just don't care.
The answer I got was fake companies go make themselves real and get access to all the shared information that car insurers share to "prevent" fraud.
Basically, I will never use their service ever again, but they're all shite. 😂😂
So I had a very similar situation recently. Stopped at a set of lights, and I felt a shunt on the back of my car. I asked the guy, "Why did you drive into me?" His response was,"I was admiring your car and the sound" ?????
I couldn't be bothered to take it through with insurance due to the hassle, so I had to buy scratch remover to get rid of the scratches on my rear bumper. It sort of works, but every time the car gets washed, the scratches become visible again 🙄
his reasoning is insane lol.. instead of going through insurance i would've gotten a paint correction on the panel(s) he hit and send him the bill
I was paying £4000 a year for my insurance. I was sat in traffic and a guy ploughed into the back of me writing my car off. I had to have the car recovered myself and get it dropped off at a repair shop to be looked at. The insurance company did bugger all I had to do most of the paperwork sending quotes in and the like. They eventually wrote it off and paid me out. Insurance companies do as little as possible while pulling your pants down for the premium.
Also seems the price of insurance in the UK is outrageous. I pay 600€/year for a full "all risks" insurance for my M140i in France. That's a third of what you're paying for the same car... Something's really wrong there
Like pretty much everything in the UK now,They're only interested in your payments..when it actually comes to providing you with the service you are paying for they go deaf ears.
Perhaps you should consider holding the steering wheel with both hands in the correct position
The state of the roads in the UK now is horrendous, far too many drivers that should not be behind the wheel. Accidents always happen of course but the stupidity of other road users is insane. I am only 28 and have probably driven about 120,000 miles in my driving lifetime, have never caused an accident and have luckily avoided accidents from other people on multiple occasions. I'm terrified of my fiance going out driving on her own now and it shouldn't be like that. And all of this is before you even consider what happens after an accident with insurance and all this rubbish you've been through. It's honestly easier to just own a beater car and not mind a few dents and scrapes rather than having to claim through insurance companies for months to resolve damage on a newer better looking car. It's like you're not allowed to enjoy a nice thing without worrying about other drivers
UK Insurance really is a joke, I've thankfully never been in an accident in the UK but what you've described is a nightmare. I moved to Lithuania about 3 years ago, and someone hit the car, thankfully the insurance company here arranged everything, from collecting the car, organising the repair, sending a replacement car and then redelivering the car once the repair was complete. It's insane to think a small and often associated poorer country, has better level of service than the UK. What's more embarrassing is that my insurance is not even 300 euro for a year..
I got put at fault when my passenger door was hit badly when the car war parked overnight.
Hit and run.
Insurance is crazy. They said it goes as malicious damage hence they put me at fault.
My leon got re ended 2022 november by the unisured driver, and It took until july 2023 to be fixed lost work over now my insurance is 2.8k its so wrong
I am a bit confused that when someone rear ended you, why you are calling your insurance company and not the person at fault?
I had this much fun with quote me happy. Copart collected the car and dragged it along drive way damaged back of car dragging it onto the trailer refused to pay for anything.
Totally agree that insurance companies are a total rip-off.
Take for example protected no claims bonus. You can be in an accident that wasn't your fault and have to make a claim. Now the 'at fault' driver's insurance company should be liable for all costs, so your insurance company simply passes their costs on to the other company,. However, when you go to renew your insurance the next year, you have to declare by law that you have made a claim within the last 5 years. Even though you haven't lost any no claims bonus, yo will still find your insurance will increase in cost considerably!
Don't even get me started on the rising costs of fuel, despite wholesale prices being at the same level as pre-pandemic times!
The quality of driving on the roads is shocking at times. This is probably a unpopular opinion, but I do think you should be required to do a short test every 5 or so years. Logistically, it would be a nightmare to set up though.
Don't forget the scam when the third party insurance company give you a courtesy car (usually a nice one) and on collection they go over it for every little stone chip/scratch and then charge you accordingly. I got a brand new black 5 series when I was rear ended at traffic lights. On collection they claimed a 1 cm micro scratch on the rear wing (which might have been there on delivery to me) required the wing to be resprayed, sign here. I disapperared into the house for my polisher, give me 5 minutes...they completely backed down before even plugging in my polisher...no damage sir. Complete SCAM
When my BMW was struck by a delivery driver who delivered to me 90 seconds later but didn't leave a note or mention anything, I was eventually (1 week later) given a choice of two courtesy cars, 1 from the garage themselves and 1 from the repair management company, they both arrived at the same time whilst I was at work which was quite amusing. I had the choice of a horrible Toyota Aygo EV type car or a Seat Ibiza 20 plate, so I took that. It was only a 1 litre car but it stuck to the road like glue and I had the confidence to drive it quicker than I did my own car (my BMW has runflat tyres).
When I eventually returned the courtesy car to the garage 1 month later, they literally sent a young chap out (who I got the impression was either an apprentice or it was his first job) and he gave it a cursory once over glance with a clipboard. There was actually a crack in the honeycomb grille on the car that I wasn't sure if I had caused or it was delivered to me like that but he didn't notice it.
See my comment above for more context.
This is what happens when the law requires you to use a business. They can get sloppy. They know people have to insure their cars and so long as their rates are relatively low, their services can be crap and people will still need to sign up with them
Their rates are certainly not "relatively low", though, which makes the scam even worse.
You obviously forget that insurance companies are created not to help drivers, but to make the most money by providing the minimum service. Owned by billionaires who have expensive yachts to fuel.. Same as just about everything these days.
What insurance company are you with?
comprehensive insurance pushes up premiums but if a 3rd party has an incident with a comprehensive then both insurance companies have an incentive to blame the 3rd party guy
Surely if you ran a car repair shop and noticed a stone chip on the bonnet you would definitely take a picture.
That was my first thought. If i was running it, I'd be taking photos of the car from all angles and doing a detailed assessment of the car when it arrived so that you're protected from someone trying to claim damage whilst in your possession.
M140I ❤
Name and shame. Both the insurer and the repair shop.
I’m not sure how but I have an m140i at 19 and I’m paying £1298 for a year of insurance. Best trick is to go with admirals little box, you have to have a black box for 3 months then never again not even 3 months of each year just 3 and it makes your insurance very cheap
Wait for next years renewal 😂
You are EXTREMELY lucky.
I'm 28. Been driving since 2013, pretty much bang on 11 years today. Pass plus exceeded grade in Feb 2013.
Feb 2022 - my car engine blew up and leaked oil across the dual carriageway, police attended and called highways agency who cleared up the spill. Then 1 week later sent my insurance company a claim against me, found "at fault" due to the oil spill. My insurance wouldn't pay out for my car as it didn't "catch fire". The engine was toast and the car was worth £10k-£13k but I ended up selling it to copart as a non-runner for £4k due to the cost of a new engine plus labour (12+ hours of work)
March 2023. Had owned my 3 litre BMW 335D for 3 months. Was parked outside my house and I was asleep in bed having just returned from a night shift at 8AM. A delivery driver hit my parked car, and delivered to my house but just put the parcel on the ground and walked off, didn't knock or ring the bell as they usually do. Didn't leave a note or knock and tell me he'd hit my car, just drove off afterwards in his rented van.
He was never traced and no reg was captured on the CCTV we have at the address. As such it was a second "at fault" claim.
I paid my excess of £550 which to this day I am still trying to claim through a motoring solicitor's firm. The first year I got my BMW it was £1,750 a year fully comp.
Having just had my renewal last month, it shot up to £4,450 which I'm paying, £665 initial deposit and around £335 a month, absolute con.
Name the insurance company or the broker. Yes take your own photos and the mileage. The thing is this happened when you really kept on top of it. Been there.
we need to do something about insurance its such a scam
You should have taken pictures of all panels on your car, wheels, etc before it’s taken away for repair.
Shocking. You should name and shame said insurance company.
I had two bumps, not my fault. To avoid insurance claim, the other drivers paid cash for repair. Thus incident not recorded, never have to declare on insurance quotes. Thus premium (before no claims discount) is kept as low as possible. One repair was only £240 with ‘Chips Away’, repair looks amazing. Btw, when you pay a high insurance premium, it doesn’t mean you will get good service, it means you are high risk. Every claim (even not at fault) meaning you are higher risk. They will record on the national insurance database even when you phone for advice, which will increase your premiums. This happened to me when I had a small scratch (£80 repair, less than the excess). Other insurance company wanted to increase my premiums by £100! (Each year for the reportable 5 years). You legally need insurance, however avoid claiming on it. My BMW insurance is £300 a year and I live in the midlands and commute to Heathrow for work.
That's fine, until you're in the unfortunate position that I was in, whereby someone smashes into your parked vehicle whilst they are delivering parcels on a road in their rented van, causing around £3,500 worth of damage to your car, they then deliver to your address but DON'T knock OR ring the doorbell, simply put the parcel on the ground and walk off. He didn't leave a note or knock to say he'd accidentally hit my vehicle, funny that.
This was an "at fault" claim because the driver was never traced.
Coupled with an "at fault" claim the previous year, where my car engine decided to go bang and spill oil all over the dual carriageway, whereby police then attended (no hard shoulder, live lane breakdown) and called national highways england who turned up, spent 30 minutes on scene, left and then claimed £250 against my insurance mopping up some oil. This was another "at fault" claim.
2 at fault claims in 13 months. My insurance on the same vehicle was £1,750. It went up having just renewed it, to £4,450 for a year fully comp. I'm turning 29 in 2 months time, been driving since i was 17 (January 2013), completed pass plus to "Exceeded grade" in February 2013, and have held a clean license since the day I got it, no points, no bans, no disqualifications, nothing.
Yet I am penalised by my insurance increasing by nearly £3,000 due to other people's negligence. You clearly have a lot more luck than I do.
We have insurance because its the law,, they can charge what they like,and because they write so many cars off for very little damage,thats why insurance is so expensive,i put in a claim for a windscreen on my car ,i have full no claims,and paid about £120 excess,when my insurance was due it literally doubled,why? because i made a claim,its all a rip off.
Insurance charged me £1850 for a 1.4 2012 seat ibiza, I have a clean driving record, it's just ridiculous
Why pay that much for insurance? This is the problem
Insurance the biggest scam ever
I know that road. People never look when driving
Insurance in the UK is a joke. In most other countries you insure THE CAR, not the person. Once you insure your car, pretty much anyone can drive your car with your permission ofc. At least that is the case in Romania, where I am originally from
Which insurer was this with just for future reference when renewing?
cant’t say sorry
I honestly think they are all pretty bad anyway + many are the same owner under different brands.
I had a good experience with Tesco bank. The claim was done all online within a few hours, took 4 days for my car to be collected (claim put in on Friday morning) and about a week after the collision I finally got a courtesy car. Car was in the garage for almost 1 month.
Only ridiculous part of it was the claim really wasn't my fault but as the other party driver was never traced, it went down as my fault. My car was stationary and parked and I was asleep in bed when a delivery driver hit it.
I had a previous fault claim which arguably isn't my fault either. My engine blew up and leaked oil across the dual carriageway. Police turned up and called national highways England to clear the spill. They did so then claimed £250 against my insurers without telling me they'd do so. First thing I knew about it was when I got a letter through from my insurers telling me they'd received a claim from National Highways England a week after the incident.
Insurance went from £1,750 a year to £4,450 now. Absolute disgrace.
Insurance is already diabolical on them cars
talk about it lol. Renewal is looking to be over 3k for me
You've got to be shitting me?! Something is deeply screwed up here.@@ParagonCarsLondon
@@ParagonCarsLondon
Wtaf...
Insurance companies really are a joke. Funny (but miserable) story, ended up smashed into a lamp post after some old fella decided to jump onto a roundabout i was already on. great because they left the scene without exchanging details either... called up insurance, took forever but was reassured it'll be fine. thankfully a mutuals unit was round the corner so i took it there, but who do you know, it took the insurnace company 7 weeks to pick it up. not only that, but even when calling up several times a week, i eventually got the car back after 6 months but it was driving horrendously (essentially would pull to the left under acceleration and rattle bad on the motorway). went back in and all in all, it took 7 and a half months to sort out... oh and they spent £15k fixing a car that was worth pretty much that or less at the time... they're complete and utter fucking idiots.
Insurers get scammed by the repairers but the insurers are not so innocent themselves i rang up to see if I had windscreen cover even though I never even got the window done through insurance they marked it down as a non fault claim as the nature of the windshield break was vandalism what a con. So basically moral of the story don’t ring up your insurance to ask any questions as they may make a note of it and mark it down as something that increases your insurance
But i thought if you rear end someone its game over. Its 100% your fault regardless of the actions of the other driver. Interesting to hear that being rear ended actually means a world of pain on both sides. The problem we have in the UK is insurance is not optional for car drivers. Where is the incentive for them to do anything properly or be fair ? Every other insurance is cheap because they are in competition. Not with cars. I've been driving 28 years. I've never seen driving stamdards as bad as they are....premiums as high as they are and I've never even used any insurance I've ever had. Every small knock accident I've ever had which i can count on one hand I've settled directly with the driver bar one where one particular individual caused it and went through insurance just to make it painful. So it's been about 15 grand wasted id say.
May I ask what model mercedes you were driving in this video please? interior looks lovely.
It was a cla200 1.3l amg line premium
I'm also blaming the finance merchants with fast cars who can't control them. I drive the A303 daily on the way to work, and at least once every 2 weeks there will be a hot hatch in a crash with others, or in a hedge on it's own. Insurance premiums wouldn't be as high as they are now if people could just control their cars.
Awful drivers with no forward planning. I drive a 3 litre BMW 335D aged 28, driving 11 years, clean license, never had any points, bans or disqualifications, yet my insurance premium was £1,750 the first year has now gone up to £4,450 due to some muppet in a van delivering on my road hitting my parked car in his rental van and then buggering off - he was never traced and this was set as a "fault claim" for myself despite the fact I was in bed asleep at the time having just returned at 8AM after a 11 hour night shift. (Emergency services employee).
I have never had a true "at fault" accident. I've had muppet drivers drive into the back of me or hit my stationary parked car however. Both times was middle aged men.
To be fair I had a crash while with admiral made a claim on the app the same night with all the info I could give then I said I thought it was a write off I was paid out within 2-3 days then just had to do the odd phone call and email for the next few months then that was that I can’t really complain
yeah i had a similar experience and despite it being my fault my insurance only went up £100, admiral have been alright for me but it's all luck really
Sounds like you're with Hastings, they now outsource their claims handling to Enterprise and they are beyond shocking.
Not hastings but yeah most insurance companies use that courtesy car company.
Insurance companies don't have to be the best, just the 'least worse'. They focus 90% of their efforts on attracting new business. The are even less interested in how well your car is repaired and work hand in hand with the bodyshop. You're only option is specialist high end insurance
I object 2 b financial penalised 4 not using insurers approved repairer. It is not possible 4 uncle toms universal repairers to know how 2 repair highly complex high end build. I’ve had cars repaired with structural components missing cause was thrown out with the strip down.
Insurance is required by law. It should be provided by the Gov on a non profit basis.
Think I might apply for a job at an insurance companies because you get paid for doing nothing
how come your premium is so high? do you live in a warzone or something? I pay £650 for my m140i fully comp, 29 years old.
London…
@@ParagonCarsLondon 🙁
I live in London too. See my comment on this page as I was extremely unlucky in a 13 month period, and on a 3 litre BMW (aged 28, 13 years clean license with pass plus) I was paying £1,750 a year to insure, I am now paying £4,450 a year. @@edmonddantes587
you wonder why insurance is high
Ireland is just as bad for insurance. I’m a learner driver and had to pay 2500 for insurance alone. That’s without a black box. They’re totally ripping people off.
Still cheap. Read my comment on this video. I'm 28 and been driving 11 years. I'm paying £4,450 on a 3 litre BMW 335D 2017 that I was only paying £1,750 on a year ago.
License held since January 2013, also completed pass plus to exceeded grade, no points or convictions, no disqualifications etc.
@@thefiestaguy8831 I’m driving a 1.2L polo though. Not like the car is worth much since it’s from 2007.
No disrespect, you're a new driver with almost no experience.
I have been driving for 11 years, that's 11 years probably covering around 200k miles or more in that time, never had an accident that was ACTUALLY my fault. No points, no bans and never been disqualified.
Yet due to an extremely poor run of bad luck in a 13 month period I have two "at fault" claims (neither of which were my fault really) which has meant my insurance is now £4.4k from £1.7k last year.
Consider this. Despite all that experience I still pay not far off DOUBLE what you pay as a brand new driver.@@irishdingus9430
Price increases every year and they don’t offer any service, the CEO’s and other executives must be laughing to the bank
To the bank and their third and fourth houses in Dubai!
The worst one is uber drivers they think they are to good to check mirrors or anything and just pull out of junctions and etc and if u honk at then theyd stare at u thinking they are always in the right .
Uber drivers are a law to themselves. Literally do as they please. 4 years ago I nearly had a head on collision with a private hire driver when he turned right at a "NO RIGHT TURN" Sign, and then proceeded past a SECOND set of signs clearly showing "NO ENTRY".
He swerved onto the grass bank at the last second to avoid me. He then crossed a tram crossing (on the wrong side of the road, and thus the traffic lights to control motor vehicles at that tram road crossing were facing the other way so he couldn't see them).
Yet these are so called "Professional drivers" that people trust and PAY to drive them around. Last Uber I got in was about half a metre from the car in front for a good half a mile, and kept flashing him.... he then proceeded to claim there were so many "Aggressive drivers" on the road. Irony much?
Terrible drivers who somehow think they're brilliant, I've always found them to be utterly gormless, clueless muppets who don't know how to drive, and stop in utterly stupid places. I once saw an uber driver stopped on a main road blocking the whole road with his hazards flashing whilst he waited "ten minutes" for his fare.... utter morons.
I avoid using Uber like the plague unless I literally have no choice.
@thefiestaguy8831 have to agree with u I just hate the fact thar they think they are above the law
Then your premiums will go up even though the accident was not your fault.
Driver license taken on a Trsco cereal box
Might as well nationalise the whole system
I always thought this.
Like the NHS or taxes.... surely it's much easier, cheaper and beneficial for the government to offer insurance? Set a reasonable price. Cuts out a lot of the uninsured drivers that don't pay for insurance because it costs them a fortune.
I would be seeking some compensation from your insurer for failing to fulfill their agreement efficiently and without your assistance. If necessary, use the small claims court or the insurance ombudsman. I am not saying to be greedy but you have wasted a lot of time doing their job for them because of their incompetence!
Claim goes through the FCA, Financial Conduct Authority.
10 -2 on that steering wheel or you will be next 😂
Shit happens.
Uk insurers seem to take the piss.