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On 3rd August this year a biker ran into the back of me as I was slowing 
down for a parked car (there was opposing traffic). I submitted a claim to 
my insurance company (Zurich) and also to my Legal Expenses Insurance (MSL).

MSL have recovered my uninsured losses (ie my excess of £150.00) and sent me 
a cheque to settle matters on 7th October.

My renewal premium notice has just arrived and, although my premium does not 
appear to have been affected, it is shown that I have a 'not settled' claim. 
When I contacted my broker I was told that although I had recovered my 
uninsured losses, Zurich had not yet recovered the rest of the claim from 
the biker's insurers.

I always thought that motor insurers had an agreement that each would settle 
their own claims to avoid the costs of processing claims against each other 
all the time? ie 'Knock for Knock.  Have things changed?

I'm still chuffed with the renewal premium however: £235.00, fully comp, 
protected NCD, legal expenses included, only £150.00 excess.  I've had the 
usual barrage of quote offers as renewal time has come around - and the next 
nearest quote I've had so far has been £320.00.

Kev

In article , "Ret." says...
> 
> On 3rd August this year a biker ran into the back of me as I was slowing 
> down for a parked car (there was opposing traffic). I submitted a claim to 
> my insurance company (Zurich) and also to my Legal Expenses Insurance (MSL).
> 
> MSL have recovered my uninsured losses (ie my excess of £150.00) and sent me 
> a cheque to settle matters on 7th October.
> 
> My renewal premium notice has just arrived and, although my premium does not 
> appear to have been affected, it is shown that I have a 'not settled' claim. 
> When I contacted my broker I was told that although I had recovered my 
> uninsured losses, Zurich had not yet recovered the rest of the claim from 
> the biker's insurers.
> 
> I always thought that motor insurers had an agreement that each would settle 
> their own claims to avoid the costs of processing claims against each other 
> all the time? ie 'Knock for Knock.  Have things changed?
> 
> I'm still chuffed with the renewal premium however: £235.00, fully comp, 
> protected NCD, legal expenses included, only £150.00 excess.  I've had the 
> usual barrage of quote offers as renewal time has come around - and the next 
> nearest quote I've had so far has been £320.00.
> 
The claim hasn't been closed so its still not settled. I fail to see 
where the problem is. WTF does "knock for knock" have to do with 
anything? That's when the fault is 50/50, not when a party is clearly at 
fault.


-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

Ret. wrote:
> 
> I always thought that motor insurers had an agreement that each would 
> settle their own claims to avoid the costs of processing claims against 
> each other all the time? ie 'Knock for Knock.  Have things changed?

  Yes, not that you would have used Knock for Knock anyway. When blame is 
shared nowadays, a proportion of each party's claim is paid by the other.

In article , Bod says...

> That sounds very good to me.
> 
I pay £170 fully comp with unlimited business mileage.



-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

Conor wrote:
> In article , Bod says...
> 
>> That sounds very good to me.
>>
> I pay £170 fully comp with unlimited business mileage.
> 
> 
> 
Who with?

Bod

In article , Bod says...
> 
> Conor wrote:
> > In article , Bod says...
> > 
> >> That sounds very good to me.
> >>
> > I pay £170 fully comp with unlimited business mileage.
> > 
> > 
> > 
> Who with?
> 
> Bod

Swiftcover.

-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

Conor wrote:
> In article , Bod says...
>> Conor wrote:
>>> In article , Bod says...
>>>
>>>> That sounds very good to me.
>>>>
>>> I pay £170 fully comp with unlimited business mileage.
>>>
>>>
>>>
>> Who with?
>>
>> Bod
> 
> Swiftcover.
> 
Hmm, thanks, I'll have to remember that.

Bod

On 5 Nov, 17:11, Conor  wrote:

> WTF does "knock for knock" have to do with anything?
> That's when the fault is 50/50, not when a party is clearly at fault.
>

True for us mere mortals, but 'Ret' is such a highly skilled driver
he thinks it was his fault for letting a motorcyclist ride in to the
back of him.

On 5 Nov, 18:44, Bod  wrote:
> Conor wrote:
>
> > I pay £170 fully comp with unlimited business mileage.
>
> Who with?
>

I suspect "Where?" would be a more appropriate question.

In article , Bod says...

> > Swiftcover.
> > 
> Hmm, thanks, I'll have to remember that.
> 
Don't forget to go through Quidco and get some cashback as well. With 
that, it took mine down to under £140 AFAIR although the cashback took a 
couple of months to come through.



-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

paul george wrote:
> On 5 Nov, 18:44, Bod  wrote:
>> Conor wrote:
>>
>>> I pay £170 fully comp with unlimited business mileage.
>> Who with?
>>
> 
> I suspect "Where?" would be a more appropriate question.
> 
> 
> 
A wild guess.....Swiftcover?   :-)

Bod

Conor wrote:
> In article , Bod says...
> 
>>> Swiftcover.
>>>
>> Hmm, thanks, I'll have to remember that.
>>
> Don't forget to go through Quidco and get some cashback as well. With 
> that, it took mine down to under £140 AFAIR although the cashback took a 
> couple of months to come through.
> 
> 
> 
Cheers.

Bod

On Thu, 05 Nov 2009 16:30:42 +0000, Ret. hollered:


> I'm still chuffed with the renewal premium however: £235.00, fully comp,
> protected NCD, legal expenses included, only £150.00 excess. 

That's not a great price really. I only pay 10 more than that, live in 
the south east, the car isn't garaged, it's a BMW, I'm 36 and wrote off a 
car last year..

Mike P

On Thu, 05 Nov 2009 19:59:01 +0000, Bod hollered:

> paul george wrote:
>> On 5 Nov, 18:44, Bod  wrote:
>>> Conor wrote:
>>>
>>>> I pay £170 fully comp with unlimited business mileage.
>>> Who with?
>>>
>>>
>> I suspect "Where?" would be a more appropriate question.
>> 
>> 
>> 
> A wild guess.....Swiftcover?   :-)
> 

I think he means "where" as in "not near Slough", though oddly I live 
near Reading and I pay 250 FC on an BMW 520i

Mike P

Mike P wrote:
> On Thu, 05 Nov 2009 19:59:01 +0000, Bod hollered:
> 
>> paul george wrote:
>>> On 5 Nov, 18:44, Bod  wrote:
>>>> Conor wrote:
>>>>
>>>>> I pay £170 fully comp with unlimited business mileage.
>>>> Who with?
>>>>
>>>>
>>> I suspect "Where?" would be a more appropriate question.
>>>
>>>
>>>
>> A wild guess.....Swiftcover?   :-)
>>
> 
> I think he means "where" as in "not near Slough", though oddly I live 
> near Reading and I pay 250 FC on an BMW 520i
> 
> Mike P

Oh right.

Bod

On Nov 5, 6:40 pm, Conor  wrote:
> In article , Bod says...
>
> > That sounds very good to me.
>
> I pay £170 fully comp with unlimited business mileage.
>
> --
> Conorwww.notebooks-r-us.co.uk
>
> I'm talking shit. Again.

Is that on the scooter?

Sounds a lot to me.


Oh, you're still a cock

On 05/11/2009 18:00, Clive George wrote:
> "Ret."<xxx>  wrote in message
> news:78OdnWExYIMzYG_XnZ2dnUVZ8nGdnZ2d@pipex.net...
>
>> I'm still chuffed with the renewal premium however: £235.00, fully comp,
>> protected NCD, legal expenses included, only £150.00 excess.  I've had the
>> usual barrage of quote offers as renewal time has come around - and the
>> next nearest quote I've had so far has been £320.00.
>
> That's not great for a retired person who's supposed to be a highly trained
> driver - or are you a higher risk than other groups?

That's what I was thinking. I'm a long way off retirement and mine's 
cheaper than that, including protected no-claims, legal expenses, 50,000 
miles a year and Class 1 business use. My excess is also only £100.

On 05/11/2009 18:40, Conor wrote:
> In article, Bod says...
>
>> That sounds very good to me.
>>
> I pay £170 fully comp with unlimited business mileage.

That sounds about right for an old shed that's not capable of doing much 
in the way of mileage.

It happens that Ret. formulated :
> I'm still chuffed with the renewal premium however: £235.00, fully comp, 
> protected NCD, legal expenses included, only £150.00 excess.  I've had the 
> usual barrage of quote offers as renewal time has come around - and the next 
> nearest quote I've had so far has been £320.00.

That first figure is awfully expensive, are you in a high risk group?

The only real difference with mine, is my legal expenses are not 
covered - yet mine is around £150 -ish fully comp.

-- 
Regards,
        Harry (M1BYT) (L)
http://www.ukradioamateur.co.uk

"Ret." <xxx> wrote in message 
news:78OdnWExYIMzYG_XnZ2dnUVZ8nGdnZ2d@pipex.net...

'Knock for knock' ended years ago - probably mid 90's when the insurance 
companies realised that it was no good finding low risk customers when they 
were paying 'k-f-k' repairs for damages caused by high risk drivers.

Bod used his keyboard to write :
> Hmm, thanks, I'll have to remember that.

It is not the company, it is a matter of changing each renewal and 
picking the cheaper one each time - on line is cheapest. Try some on 
line quotes.

-- 
Regards,
        Harry (M1BYT) (L)
http://www.ukradioamateur.co.uk

In article <hcvina$rcq$1@aioe.org>, Silk says...

> That sounds about right for an old shed that's not capable of doing much 
> in the way of mileage.

Its a MK3 Mondeo Ghia that's been quite happily racking up 20k a year.


-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

In article <d58e9f9c-dbed-4c65-ab00-950813204dc7
@p8g2000yqb.googlegroups.com>, paul george says...
> 
> On 5 Nov, 18:44, Bod  wrote:
> > Conor wrote:
> >
> > > I pay £170 fully comp with unlimited business mileage.
> >
> > Who with?
> >
> 
> I suspect "Where?" would be a more appropriate question.

East Yorks, YO25.

-- 
Conor
www.notebooks-r-us.co.uk

I'm not prejudiced. I hate everybody equally.

> all the time? ie 'Knock for Knock.  Have things changed?
>
> I'm still chuffed with the renewal premium however: £235.00, fully comp> protected NCD, legal expenses included, only £150.00 excess.  I've had the
> usual barrage of quote offers as renewal time has come around - and the next
> nearest quote I've had so far has been £320.00.
>

About 10 years ago I was driving home from college when there was a
car stopped on the DC in front of me that had been hit. There was a
girl inside it who was obviously upset so I stopped and helped push
her car to the side and took her home. She told me she worked in
insurance and to come down when my next quote was due which was in a
few weeks. When I went in to get the quote on the last day before
christmas, her boss welcomed me with a fuss, gave me a glass of wine
and quoted me insurance that was about 10% cheaper than I'd previously
been paying. I'm still with the same company and haven't found
anywhere cheaper at all.
Being a good citizen does pay after all :-)

McKevvy

On 5 Nov, 21:00, Mike P  wrote:
> On Thu, 05 Nov 2009 16:30:42 퍍, Ret. hollered:
>
> > I'm still chuffed with the renewal premium however: £235.00, fully comp,
> > protected NCD, legal expenses included, only £150.00 excess.
>
> That's not a great price really. I only pay 10 more than that, live in
> the south east, the car isn't garaged, it's a BMW, I'm 36 and wrote off a
> car last year..
>


oh oh....please tell us more Mike. There's bound to be a story behind
it.

McKevvy

On 6 Nov, 03:38, Vicko Zoomba  wrote:
> > all the time? ie 'Knock for Knock.  Have things changed?
>
> > I'm still chuffed with the renewal premium however: £235.00, fully comp,
> > protected NCD, legal expenses included, only £150.00 excess.  I've had the
> > usual barrage of quote offers as renewal time has come around - and the next
> > nearest quote I've had so far has been £320.00.
>
> About 10 years ago I was driving home from college when there was a
> car stopped on the DC in front of me that had been hit. There was a
> girl inside it who was obviously upset so I stopped and helped push
> her car to the side and took her home. She told me she worked in
> insurance and to come down when my next quote was due which was in a
> few weeks. When I went in to get the quote on the last day before
> christmas, her boss welcomed me with a fuss, gave me a glass of wine
> and quoted me insurance that was about 10% cheaper than I'd previously
> been paying. I'm still with the same company and haven't found
> anywhere cheaper at all.
> Being a good citizen does pay after all :-)
>

...in saying that, I've just checked the gocompare website. Now I HATE
that advert with avengance - when it comes on TV I feel like throwing
a brick at the damn thing. However, it does prove to be a good site
and I've just found a few cheaper quotes than what I'm paying now.
DAMN! I've just sent the cheque off to my usual insurers....oh well.

Conor wrote:
> In article , Bod says...
>
>> That sounds very good to me.
>>
> I pay £170 fully comp with unlimited business mileage.

For what vehicle?  Protected NCD?  Low excess?  Legal Expenses insurance 
included?

Kev

paul george wrote:
> On 5 Nov, 18:44, Bod  wrote:
>> Conor wrote:
>>
>>> I pay £170 fully comp with unlimited business mileage.
>>
>> Who with?
>>
>
> I suspect "Where?" would be a more appropriate question.

It's very difficult to compare premiums because it varies as to area, type 
of car, whether you are prepared to accept a high excess, whether you want 
your NCD protected, whether you want legal expenses cover, whether a 
courtesy car is provided throughout the period your car is off the road 
(rather than just when it goes in for repair). etc. etc.
I'm pleased with my reneway premium of £235 (it was £212 last year) because 
it has a low excess, and does provide protected NCD, legal expenses, and 
immediate courtesy car. When the biker ran into the back of me, it caused no 
bodywork damage other than scuffing - but did smash the rear offside light 
cluster which rendered the car illegal of course. MSL, my legal expenses 
insurer, delivered a Merc 'C' class to my door the next morning and I had it 
for the full two weeks until my car was ready for collection.

It is possible to get very low quotes if you are prepared to accept high 
excess, opt for no protected NCD, no legal expenses, no courtesy car, etc.

Kev

OG wrote:
> "Ret." <xxx> wrote in message
> news:78OdnWExYIMzYG_XnZ2dnUVZ8nGdnZ2d@pipex.net...
>
> 'Knock for knock' ended years ago - probably mid 90's when the
> insurance companies realised that it was no good finding low risk
> customers when they were paying 'k-f-k' repairs for damages caused by
> high risk drivers.

Yes, it did occur to me that where insurance companies are specialising in 
different groups of motorists, the concept of each paying their own claims 
rather than wasting time and money in each pursuing each other regularly for 
recovery, might simply not work. If all insurance companies covered all 
drivers then, on average, their costs from claims would be equal. If one 
company specialises in low risk drivers then that would not be the case.

Kev

On 06/11/2009 00:03, Conor wrote:
> In article<hcvina$rcq$1@aioe.org>, Silk says...
>
>> That sounds about right for an old shed that's not capable of doing much
>> in the way of mileage.
>
> Its a MK3 Mondeo Ghia that's been quite happily racking up 20k a year.

Is that all?

On 06/11/2009 07:30, Ret. wrote:
> Conor wrote:
>> In article , Bod says...
>>
>>> That sounds very good to me.
>>>
>> I pay £170 fully comp with unlimited business mileage.
>
> For what vehicle? Protected NCD? Low excess? Legal Expenses insurance
> included?

It's the cost of a laser printer, some appropriate software and a sheet 
of paper. ;-)

Silk wrote:
> On 06/11/2009 00:03, Conor wrote:
>> In article<hcvina$rcq$1@aioe.org>, Silk says...
>>
>>> That sounds about right for an old shed that's not capable of doing much
>>> in the way of mileage.
>>
>> Its a MK3 Mondeo Ghia that's been quite happily racking up 20k a year.
> 
> Is that all?

Well, considering an average years driving is
12K, then 20K is a lot.

Bod

On 6 Nov, 07:30, "Ret." <xxx> wrote:
> Conor wrote:
> > In article , Bod says...
>
> >> That sounds very good to me.
>
> > I pay £170 fully comp with unlimited business mileage.
>
> For what vehicle?  Protected NCD?  Low excess?  Legal Expenses insurance
> included?

My Excess is £50. Yours isn't low. My policy has legal expenses
included but not protected NCD.

Mike P

Mike P wrote:
> On 6 Nov, 07:30, "Ret." <xxx> wrote:
>> Conor wrote:
>>> In article , Bod says...
>>>> That sounds very good to me.
>>> I pay £170 fully comp with unlimited business mileage.
>> For what vehicle?  Protected NCD?  Low excess?  Legal Expenses insurance
>> included?
> 
> My Excess is £50. Yours isn't low. My policy has legal expenses
> included but not protected NCD.
> 
> Mike P
> 
Mine's £312 with Full No Claims bonus. £100 
excess, courtesy car, legal expenses, protected NCB.

Bod

> "Ret." <xxx> wrote in message 
> news:78OdnWExYIMzYG_XnZ2dnUVZ8nGdnZ2d@pipex.net...
>
>> I'm still chuffed with the renewal premium however: £235.00, fully comp, 

Tee-hee. About what I pay for the TVR.

-- 
   "For me religion is something like golf; a comfort and joy to many people
 across the world but a baffling irrelevance which, without appreciable effort
      to ignore it on my part, has made absolutely no impact on my life."
       [email me, if you must, at huge {at} huge (dot) org <dot> uk]

Huge wrote:
>> "Ret." <xxx> wrote in message 
>> news:78OdnWExYIMzYG_XnZ2dnUVZ8nGdnZ2d@pipex.net...
>>
>>> I'm still chuffed with the renewal premium however: £235.00, fully comp, 
> 
> Tee-hee. About what I pay for the TVR.
> 
What area?

Bod