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Insurence Question

R34NRG

By R34NRG,
in General Automotive Discussion

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R34NRG Grand Master

R34NRG

Posted
Posted

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

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GT-R32 Grand Master

GT-R32

Posted
Posted

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.

Link Proficient

Link

Posted
Posted

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

_8OO5TED_ Mentor

_8OO5TED_

Posted
Posted

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 Grand Master

R34NRG

Posted
  • Author
Posted
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.

ScorpR32 Enthusiast

ScorpR32

Posted
Posted

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 Grand Master

Gazee

Posted
Posted
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.

mad082 Grand Master

mad082

Posted
Posted

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.

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