Ouch & Double Ouch
- Thread starter paulstevens
- Start date
paulstevens
New member
Spyderman, the insurance company were backed into a bit of a corner by Porsche GB, who stated that if you replaced the suspension and shocks on one side you must balance the car by replacing at least the shocks on the other side. The tyres were getting down to around 3.5mm so they again sort of had to replace the nearside set if they replaced the damaged offside set, but I'm still at loss regarding the rims, I can see replacing the two buckled rims, but why replace all four, they were all in mint condition, but hey, I'll take it [
]
The insurance company and broker I can email you if you want, I don't think we are allowed to use actual names in our posts?
My email is paul_stevens@btinternet.com
Paul
]The insurance company and broker I can email you if you want, I don't think we are allowed to use actual names in our posts?
My email is paul_stevens@btinternet.com
Paul
Peely
New member
I hope you realise that your insurance company will class this as an accident re your no claims, and if asked in the future with any new ins. co. you will have to tell them about the accident on your record. Which will of course go against you in your renewal price.
Only if they are unsuccessful claiming against the council of course ?
Only if they are unsuccessful claiming against the council of course ?
uknick
New member
They will treat it as claim against you whatever happens.
I was once penalised for just asking for an accident reference number. In the end I did not put claim in (garage repair cost less than my excess) but next year's premiun went up even with protected no claims. When I queried it I was told that is the way it is. I took my business elsewhere but it was still recorded against my insurance record
I was once penalised for just asking for an accident reference number. In the end I did not put claim in (garage repair cost less than my excess) but next year's premiun went up even with protected no claims. When I queried it I was told that is the way it is. I took my business elsewhere but it was still recorded against my insurance record
Peely
New member
Well I think someone was telling you a few porkies, or maybe misleading you into more of a premium ? [
]Admittedly a claim whether it goes against you or not should always be declared at the proposal stage.
But an insurance comapany will always ask you what the outcome was, and adjust their premium accordingly.
If the claim isn't settled then I'm afraid you will have to suffer until it is.
If the outcome goes in your favour, the other party is proved to be 100% to blame and you receive your full excess back then there is no reason for the company to load your premium, full stop.
Any company that does is making money falsely
ORIGINAL: Peely
Well I think someone was telling you a few porkies, or maybe misleading you into more of a premium ? [
Admittedly a claim whether it goes against you or not should always be declared at the proposal stage.
But an insurance comapany will always ask you what the outcome was, and adjust their premium accordingly.
If the claim isn't settled then I'm afraid you will have to suffer until it is.
If the outcome goes in your favour, the other party is proved to be 100% to blame and you receive your full excess back then there is no reason for the company to load your premium, full stop.
Any company that does is making money falsely
Drifting off thread here - but: I was asked just last week, for the first time in my recollection, by a broker if I had had any accidents within the last five years for which I hadn't claimed. So it looks as though underwriters are now seeking fresh ways to load our premiums. Also am I correct in thinking that protected no-claims bonus doesn't mean that what you pay next year won't increase, because insurers load the basic premium to reflect your higher risk status before applying the NCB discount?
dereksharpuk
New member
ORIGINAL: garyw
I was told though to wait until you claim from the Council- well at Least 48 hours until after a 'friend' has reported the pot hole first [
garyw]
What a good idea!
paulstevens
New member
Well guy's she's back. Yippee []
First off to continue the thread as it has changed a bit, my insurer Groupama has confirmed that although I have protected NC there will probably be a premium increase at renewal, except if Surrey County Council admit liability. This would also mean I get my £500 excess back.
I was slightly wrong with my comment regarding four new rims, it was only the two offside rims, but it was four new tyres (and two new shocks for the undamaged nearside), plus a list of 81 items ranging from a £1.09 Sealing ring to a £771 Wheel Rim. Total cost was £9038.65, which includes £1687.50 labour (15hrs) Total Cost inc' vat £11,207.91 [X(]
Still I guess that's what insurance is for, hopefully I will be succesful with the claim against the Council, at least that will get me £500 back, and my insurance record expunged. To look on the brightside I did get four tyres (which I was about to change anyway) for effectively £500
I also had a clutch and new dual mass flywheel fitted at the same time. I had to have the flywheel fitted because it was making a strange noise when all was warm and I pulled away slowly, a sort of (and forgive me Mr Censor) farting noise, Porsche made a goodwill gesture of £1400 towards the flywheel and only charged me the parts cost (at club discount) for the clutch. So hopefully all will now be OK forever and ever [8|]
Thanks for all of the replies.
Cheers
Paul. []
]First off to continue the thread as it has changed a bit, my insurer Groupama has confirmed that although I have protected NC there will probably be a premium increase at renewal, except if Surrey County Council admit liability. This would also mean I get my £500 excess back.
I was slightly wrong with my comment regarding four new rims, it was only the two offside rims, but it was four new tyres (and two new shocks for the undamaged nearside), plus a list of 81 items ranging from a £1.09 Sealing ring to a £771 Wheel Rim. Total cost was £9038.65, which includes £1687.50 labour (15hrs) Total Cost inc' vat £11,207.91 [X(]
Still I guess that's what insurance is for, hopefully I will be succesful with the claim against the Council, at least that will get me £500 back, and my insurance record expunged. To look on the brightside I did get four tyres (which I was about to change anyway) for effectively £500
I also had a clutch and new dual mass flywheel fitted at the same time. I had to have the flywheel fitted because it was making a strange noise when all was warm and I pulled away slowly, a sort of (and forgive me Mr Censor) farting noise, Porsche made a goodwill gesture of £1400 towards the flywheel and only charged me the parts cost (at club discount) for the clutch. So hopefully all will now be OK forever and ever [8|]
Thanks for all of the replies.
Cheers
Paul. [
]
garyw
Moderator
Thats sound like a technical description- so it can stay [
]Glad its all back together Paul and best of luck with the council..
I know its our money(taxpayer) that you'll be taking but the council have too many times worked on its cheaper to pay the claims than to repair the actual road- I do think this time the gamble hasn't quite paid off for them....
Maybe they should invest it in Icelandic banks- that's surely a safe bet!! [
]garyw
Yes Gary, Surrey County Council had one of the larger (seven figure) investments in Icelandic banks, Kaupthing from memory.
Prompted by this thread and the lack of enthusiasm by the Council's contractors to get the roads attended to, I've taken to reporting a few local potholes on their website. Trouble is you have to input all your details for each hole! Keeps the numbers down I suppose.
Prompted by this thread and the lack of enthusiasm by the Council's contractors to get the roads attended to, I've taken to reporting a few local potholes on their website. Trouble is you have to input all your details for each hole! Keeps the numbers down I suppose.
paulstevens
New member
Just received a letter this morning from Surrey CC acknowledging receipt of my pothole report & claim (despite issueing me a report number over the phone on 2nd Feb [] ) and they have asked for a quote for the repairs!! Not bad since I made the claim on 2nd FEBRUARY and the work is now complete []. Still I shall send them the invoice etc and see what happens, but I won't get my hopes up.
Keep you posted.
Paul
] ) and they have asked for a quote for the repairs!! Not bad since I made the claim on 2nd FEBRUARY and the work is now complete []. Still I shall send them the invoice etc and see what happens, but I won't get my hopes up.Keep you posted.
Paul
paulstevens
New member
Yippeeeee...... Surrey council admitted liability, I recovered my £500 excess and my protected no claims is fully reinstated as it is now not my fault. There is a God
Paul
Paul
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