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  1. Hi all Here is a bit of background as to the problem I am facing. Someone recently reversed into my car which was parked in a pay and display car park in a town centre. Luckily (?) for me, he left a note on my windscreen and has admitted full responsibility. He's given me all of his details and even reported said incident to the police. I've made my claim and am currently waiting for my insurance company (Admiral insurance) to contact me re getting my car picked up and repaired / loan car issued etc. I have 14 years NCD which is protected and when I was speaking to the guy, I thought I would make sure that this didn't affect my renewal premium next year (I've only just renewed about 2 months ago, so it's not due for ages yet). He said he didn't know and I would need to speak to another department, so I did. They told me yes it would but said because the renewal was so far away I would have to call the New Business department and get a dummy quote (which would give me an idea based on today's figures). Before I did this I told them I really wasn't happy that I was getting punished for someone elses incompetence , they told me about all the statistics and how I am now a higher risk and more likely to make a fault claim in the future because someone had backed their 4x4 into me. I asked (for about 40 minutes) various people to explain, logically, why this it. They couldn't. Anyhow, I called new business and they ran through a cloned dummy quote and I was shocked to say the least. The difference was about £150 on an aprox £302 policy. Yep 50% roughly - I think the guy said renewal without the claim would be £302 and £450 with the claim. Seriously - what?! Like I said I have 14 years NCD (yep, I understand this is still protected and applied but now to a much higher premium) and have no convictions or points on my licence (not to mention, I wasn't even in the car when this happened and it was legally parked). Sooooo.... my question would be, how would I go about recovering this extra money they are loading me with? I've read a couple of stories where people argued with their insurers and they basically waived the increase in the end, but Admiral just seem to be reading from a script and not able to make decisions like that. Can I claim this from the other party's insurer? How long does this loading go on for? (If 5 years, then I would need to claim £750). Lastly, I also know that not all insurers load premiums for No Fault Claims, does anyone who has had experiences with this kind of thing know which insurers do and which don't? (I've heard eSure do as Elephant (which I think are part of Admiral anyway)). Would it be a good idea for me to speak to the financial ombudsmen? (I tried calling them but they are closed today). Thanks for bearing with me, would be grateful if anyone could shed some light on my next steps and I would also be interested to hear from anyone who has experienced this kind of thing - good or bad. Thanks all!
  2. 2 months ago I bought a 6 month old audi estate for £31,000. I have fully comp insurance, full no claims discount and GAP Insurance. Last week I was stationary in traffic on a motorway and a lorry hurtled into me at 60mph. Thank god for German engineering otherwise I would not be here today. Although I now have ongoing neck and back pain which is being investigated. However the problem now is my insurers. The car was completely stoved in at the back and back doors would not shut and chassis bent. The insurers want to repair the car. Their approved bodyshop is so far up to £15,000 worth of repairs which they say they will do and then run engine and front of car checks which will no doubt entail more expense as the covers popped off front seats and there is internal damage at front. They have given me an equivalent courtesy car at a cost to them of £9,000 per month. I have been told that my car will be out for repairs for at least 6-8 weeks. meaning £18,000 in courtesy car charges for them in addition to the £15,000+ car repair costs. Surely the car should be written off in these circumstances! I have no wish to drive it again once repaired and will put on the market the day it is returned to me. Which leads me to another question. Loss of value. When I come to sell the car can I claim for loss of value. I might not be posting on right section of the forum so if someone can suggest another place let me know Thanks for all the advice
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