Car Insurance- Scum of the Earth

T T

thyer64

Well-Known Member
Joined
5 Jul 2015
Messages
452
Sorry that this may turn into a rant, but nearly 30 years of paying for full insurance coverage on a car, never having any claims or problems whatsoever and the insurance washes their hands off of you is appalling!

According to this unjust practice, even if I am minding my own business, obeying all traffic regulations etc, and someone smashes into the back of my car while I'm stopped at a red light because they were on their phone and causes damage to a near classic Mercedes having preserved it perfectly. And they come and decide to write it off as it's uneconomical!! Where is the fucking justice!

What's the point of spending out on this when someone can just come and smash everything you've hoped for for the past 30 years? Where is the justice in this messed up world?
 
As an aside, I will also be keeping the car - irrelevant of the price it will cost to repair, will I need to proceed with a lawyer vs the insurance companies?
 
thyer64 said:
As an aside, I will also be keeping the car - irrelevant of the price it will cost to repair, will I need to proceed with a lawyer vs the insurance companies?
Click to expand...

I suppose yer can go for the wanker who ran into the back of you and claim 'uninsured losses' from him. I expect he won't have two ha'pennies with which to scratch his misbegotten arse.
 
thyer64 said:
Sorry that this may turn into a rant, but nearly 30 years of paying for full insurance coverage on a car, never having any claims or problems whatsoever and the insurance washes their hands off of you is appalling!

According to this unjust practice, even if I am minding my own business, obeying all traffic regulations etc, and someone smashes into the back of my car while I'm stopped at a red light because they were on their phone and causes damage to a near classic Mercedes having preserved it perfectly. And they come and decide to write it off as it's uneconomical!! Where is the fucking justice!

What's the point of spending out on this when someone can just come and smash everything you've hoped for for the past 30 years? Where is the justice in this messed up world?
Click to expand...
It cuts their loss. I was annoyed by this last year with out ten year old heap, but can see with a mint classic why you are properly peed off. It's a racket. Some big disposal company will take it and it'll be on autotrader as a cat c/d in a fortnight.
 
thyer64 said:
and causes damage to a near classic Mercedes having preserved it perfectly. And they come and decide to write it off as it's uneconomical!!
Click to expand...

I know this is a bit late for you, and I don't want to add to your annoyance, but maybe it might help someone else in the same position:

Cars like that lose value and become pretty worthless for a long period before the value begins to rise (depending on what kind of car it is) as they potentially become classics, so you're always vulnerable to insurance write offs when something like that happens. The way to prevent that is to go for an agreed value insurance with a specialist, particularly when you've spent a lot of money in keeping it in perfect condition.

Mine has a current retail value of at best a couple of grand, and I've spent a lot of money on it. So it has an agreed value insurance of £7,000 to protect me against just this kind of thing. The extra insurance cost is minimal, the peace of mind is priceless.

Sorry this has happened to you, but if you intend keeping it, then a Cat D insurance write off doesn't make much difference, so get it repaired. And look at agreed value insurance.
 
thyer64 said:
As an aside, I will also be keeping the car - irrelevant of the price it will cost to repair, will I need to proceed with a lawyer vs the insurance companies?
Click to expand...

I suspect you can add this to your list of injustices because as far as I can remember, you cannot sue your insurance company. I believe your only recourse is to the financial ombudsman.

http://www.financial-ombudsman.org.uk/default.htm
 
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