Insurence Question

[R34NRG]

well my renewel is cummin up with just cars and my premium has gone up to 3995 and my agreed value of the car has dropped to a crappy 25k. how the hell does that work.

i just got a quote pretending to be a new cust and was quoted 2500.

i guess my question is what if i made a new account and just paid the 2500 premium instead of the 4k.

and yes my details were identical

[GT-R32]

You are entitled to cancel or not renew your contract and accept the new quote - so long as details are disclosed as is. Why not? They are simply messing with rates/sum insured to screw you by the sounds of it.

[gambel]

what year is your car?

i am under 25 i just renewed wit them for 1800 agreed value of 27200

[GT-R32]

Have you claimed? What is your NCB?

[sewid]

Giving your insurance company false information is a great way to throw away your money every year.

[GT-R32]

Giving your insurance company false information is a great way to throw away your money every year.

Very true.

[Link]

Ring the insurance company and tell them your not happy with the renewal

Generally they will try and bump up the agreed value, but as the trade off you pay slightly more for your premium

Give and take really

[350z]

give them a call and just question them why the agreed value has gone down and the premuim has gone up? doesnt really make sense - maybe its a typo or they put some wrong info through with your details

[evil_weevil]

wouldnt it be ya NCB rating with all those accidents raising the premium??

oh, im sure if you tried to ocnvert that quote - they'll find you out - I wouldnt bother.

[_8OO5TED_]

yeah i remember you starting a few threads on here about accidents you had, including 1 involving a commodore who sped off. that would have affected your no claim bonus. anyway, didnt Just Cars spend lots of money fixing your car? a premium increase on their behalf isnt a big deal, especially after they pay to get your car back on the road and all fixed.

[R34NRG]

yeah i remember you starting a few threads on here about accidents you had, including 1 involving a commodore who sped off. that would have affected your no claim bonus. anyway, didnt Just Cars spend lots of money fixing your car? a premium increase on their behalf isnt a big deal, especially after they pay to get your car back on the road and all fixed.

incorrect none of those accidents had any effect on my rating what so ever as i was not responsible.

nehoo ill give em a call see what happens.

[evil_weevil]

did you claim on the 3rd party? did you get all their details when the accident happened?

[ScorpR32]

This sounds like a loss of no claim bonus. Regardless of fault in your claims, if you were not able to obtain third party details for your insurer to claim off the other party, you may have lost part of it.

[Gazee]

This sounds like a loss of no claim bonus. Regardless of fault in your claims, if you were not able to obtain third party details for your insurer to claim off the other party, you may have lost part of it.

Yea thats true, if you make a claim wether its your fault or not it effects your rating and your premium at the end of the year, if you think about it this way, if someone hit you and they went through their insurance its all good cos just cars didn't do anything, if you claim and its not your fault your premium goes up, those sonsofbitches. And if you get a prick of a assesor and he spots something on your car thats not listed they wont cover you... But the value of the car depreciates every year unfortunatly so its not suprising that its gone down that much cos the same thing happened to me. Just call them and start asking them 1000 questions and dont get off the phone until your satisfied.

[Dragonforce]

Maybe they have people reading this site and they saw that you are pretty thick so they decided to try trick you into paying more! I bet you do aswell!

[_8OO5TED_]

if you cant provide details of whos at fault, its deemed a penalty claim and you lose your no claim bonus, simple.

[mad082]

the amount of crashes you have had (regaurdless of whether you are at fault) is going to affect your costs.

you could try applying for insurance under the new quote but more than likely 1 of the 2 following will happen:

1: they look up your details and put the price up anyway.

2: they don't put your price up and if you have an accident they look up your previous details and refuse to pay.

as for the value of the car. once it has been in that many accidents the value is going to drop. no-one wants a car that has been dinged up heaps of time. and there are that many skylines out there now they aren't worth much.

so harden the f**k up and get your daddy to pay it.

[evil_weevil]

I think if you cant spell insurance either - they put the price up?

[Lazy-Bastard]

You're 19, you have an accident history and you are driving a turbo car.......what do you expect? The premiums to go down?