I feel very let down by the car insurance industry in much the same was as many people feel about PPI and Banks.
On the evening of the car accident I was spoken to by the police who said in a consoling way that I should not worry about the damage to my car as I would be protected by the Non-Insured Drivers Fund. It was not something I was really worried about at the time and did not give it a second thought.
The car was repaired, but that was borderline as the repair cost was just about the same as the value of the car and with a little juggling the garage did the repairs at a satisfactory cost.
Then the bite, a very big bit. My insurance was renewed and it went from £350 to £1100 in one go. I questioned it and after discussing with them in an open and frank manner on the telephone they said take it or leave it, but we will look into it.
As the lady suicide victim was not a car drive and they had no one to claim from it is not considered as a ‘no fault accident’ and they will just stuff me by getting all their money back over a two-year period by increasing my premium.
They paid out because I was insured, but make the assumption I was in some way at fault.
How the bleeding hell am I in any way shape or form responsible for being involved in this accident? It beggars belief, and I really can only place them in the same category as politicians for their blue faced arrogance in the way in which they stitch up the general public. Somewhere amongst the semantics’ there is sharp practice going on in redefining ‘no fault accident’.
This accident was not foreseeable on my part, it was not based on negligence on my part and I could not take any evasive action. There was a party at fault: the lady that jumped off the bridge. This fact is being conveniently ignored by the insurance company.
My insurance is/was ‘fully comprehensive’ and there now seems doubt in my mind as to what ‘fully comprehensive’ means. It seems sharp practice to just say stuff you we will knock your no claims discount off.
The really niggle bit is the buggers hassled the garage to reduce the cost of the repairs knowing full well they were going to screw me over to reclaim ALL THE COST. Where is the commercial risk? They have taken my money knowing full well they had no intention of paying out.