The Devious Car Insurance Scam Hidden In Your Policy! And How to Deal With it

[@joshua6244]

My wife twice had someone go into the back of her car. Claimed, no fault.. In my different car, I was nearly killed in a head on collision with a car that was on the wrong side of the road. (The other driver was banned for a year.) I got a replacement car. The other driver's insurer admitted liability. My claim is ongoing, as my injuries were severe. When I insured the replacement car and when I renewed my wife's insurance, in both cases, the premiums went through the roof. (I am the registered keeper of both cars and both cars are insured for both of us to drive.) The broker said that this was because between us we have had three claims in 5 years, although they are all non fault. I had no claims bonus protection. A complete scam.

[@charlesb7019]

Same thing happened to my mom. Within 5 years her car was hit by a runaway wheelbarrow, the neighbor hit her car in her own driveway, and someone pulled out in front of her with no time to stop. All no fault of hers. The insurance company, which she and my dad had been with since 1950 - some 44 years - and had never made a claim before - dropped her. No warning. Told her she was high risk.

[@TheRealDrJoey]

Threaten to drop your policy and go to the competition and see how fast they get back in line.

[@gzoechi]

It's always better to save the money and pay damages from your own pocket. An insurance that pays for damages caused to others might make more sense, but here that's mandatory anyway.

[@Gazr965]

Go smash insurance company windows, they can claim on their buildings insurance😆 Gaz UK

[@gzoechi]

@@Gazr965 Just don't buy any insurance that is not absolutely necessary

[@l1verpool1000]

Car insurance is one of the biggest scams going. You pay for a service and when you need to use it (once maybe twice in a life time) they try to get out of it using any technicality.

[@QuickieFastFast]

You are forced by law to use a service

[@vickijohnson9367]

This is deregulated financial crimes by global finance controlled “insurance” that is really “globalized finance reinsurance” hedge funds doing as they please, where the insurance companies have become middlemen scraping off the cream in the middle. Imagine, the fact is, you are doing business with a hedge-fund, private finance company parasites!

[@evgeniynagornyak1150]

Your next year insurance will be high. If you claim accident ,even us not your fault

[@chrismadge7292]

My elderly neighbour reversed his car at full speed across his drive into my car pushing it sideways into my wifes car. Both our cars were not in use. My car was written off, and my wifes car needed repair. We both claimed against his insurance and now both our premiums have gone up because statistically its more likely to happen again - its essentially an accident black spot. Insurance is a licensed scam.

[@spiderbootsy]

its ridiculous. clearly the old geezer gave up his licence after that so it wont be happening again

[@chrismadge7292]

@@spiderbootsynope he’s still driving despite me talking to his sons. He couldn’t see that his rear wheel was at a jaunty angle after the accident either, so his eye sight isn’t up to scratch. And the irony to all this, he used to be a driving instructor!

[@dalek3086]

@@chrismadge7292 report him to DVLA, he won't know you reported him, his GP will check him, he loses his licence if he won't have a medical. If he fails the medical, no licence.

[@rustyjeep2469]

@@chrismadge7292 I would sue his ass

[@QB2ERS]

Rip off

[@reddermot]

I hit a open drain cover on my way to work one morning. Wrecked both nearside wheels and tyres. I contacted my insurance company and they said I should claim directly from the local council responsible for the location of the incident. This was a lengthy process but I eventually received compensation from aforementioned council. My insurance premium increased simply because I had made my insurer aware of the incident even though I never submitted a claim through them!

[@alli3219]

Should have let them handle it then in the first place, your time is money too 😊

[@QB2ERS]

Rip off as usual

[@norwegianroads2152]

Insurance companies are notorious for having one-way pockets

[@nononsenseBennett]

Good term. Book title? Video series title?

[@rockets4kids]

The insurance companies pay out *plenty* of money to politicians to allow them to implement these practices.

[@RS_]

Yes! Thats why I have never had any other insurance ( like phone, tv, etc), other than for my car

[@DaveForeman-p1c]

I’m 78 years old, had full licence since 17 years old, passed police London cab test at 46, have always owned a vehicle since 19 years old, never had a fault claim. I’m now told by insurance companies that my premium carries an “age loading” (similar I suppose to being under 21 or 25) but no credit/allowance for driving blame free for over 60 years. They just seem to keep thinking up new excuses to make more money!

[@QB2ERS]

Ip off

[@QB2ERS]

Rip off

[@no.3gardenoffeedin950]

I'm genuinely not being disrespectful or cheeky but as we age, especially into our 60's and beyond, our reflexes and hazard perception are greatly diminished. I believe that from 50 onwards there should be evaluation of driver capability. I have an LGV licence and from 45 a medical is needed to be able to continue driving LGV's why should it be any different for car drivers? A car will kill someone stepping in front of it just as much as a truck or bus. Young people (usually boys) can be and are reckless drivers but elderly people can be even worse through degradation of their faculties and refusal to admit they shouldn't be behind the wheel.

[@QB2ERS]

@@DaveForeman-p1c Customer as victim

[@QB2ERS]

@@no.3gardenoffeedin950 Opinions vary

[@thatdudeinorange5269]

Anyone surprised? They have no trouble taking your money..

[@DarinNederhoff]

Insurance companies are just like vacuum cleaners they suck your money in and if you want to try to retrieve a dime, you have to wade through a lot of shit just to get a little back. 😂

[@kristoffer3000]

Insurance literally started out as a scam.

[@SimonZerafa]

Insurance companies are not charities that hand out free money. They exist to make a profit for their shareholders. Even if you don't claim for a relatively minor accident and settle it privately you probably should declare this as it's a material fact as it will likely affect the risk calculation for your premium. If you fail to declare and they somehow discover you haven't declared this minor accident they could completely invalidate your cover. This is a worse potential outcome than claiming so the best strategy is to claim for everything. Uninsured Losses cover might also be worth investigating.

[@18_rabbit]

@@SimonZerafa are u saying this as material for a stand-up comedy routine, bcuz that is damned good! lol wow! I assume u realize that since the insurance co's prefer to make max profit, they also prefer ppl to make the fewest claims possible! They dn' t expect customers to tell them the facts about all incidents that might happen to their car. For example, someone bumped into my car bumper while parked and left a note. I never bothered to call them bcuz it was a minor scuff on my white car and it's old and dn' t have time to fool around. Do u propose i tell my co about that? you are like the native american 'trickster' ghost character--- absolutely gut-splitting hilarity comes from your mind!

[@nuttycommuter3718]

@@18_rabbitfancy admitting to fraud on a public forum. It’s because of people like you committing fraud that the insurance premiums of honest motorists are so high. You’re a hypocrite moaning about insurance premiums when you’re contributing to them.

[@leeharding8306]

I work in the accident repair industry and dealing with insurance companies is the biggest problem we have. They dictate the paint we use which is much more expensive than other brands because they get a kick back from the paint companies and they constantly try to cut estimates and pay as little as possible regarding hourly rates. The bodyshop I work in does thing’s properly and we often have to fix repairs from other garages where they rush and bodge things because they have signed an unworkable contract with a insurance company . One bodyshop chain has a fixed price contract with insurance companies so it’s in their interest to glue and smash things back into shape rather than replacing broken and heavily damaged parts. It’s actually hard to find staff now where people are leaving the industry quicker than they can train them because they’ve simply had enough of it.

[@zibbezabba2491]

They should tell the insurance companies to find someoneone else to do the work. Seems to me, if you're doing things 'cut price' and under 'their' time demands (things you wouldn't normally do) then you're encouaging this type of practice.

[@likemetoo2]

I left and they still can't replace me. There's a technician shortage and they're fueling it.

[@leeharding8306]

@@zibbezabba2491 yes that’s happening a bit now. Many body shops have gone out of business though where they’ve tried to satisfy unworkable contracts or tried to carry on without being dictated to by insurance companies. It’s a tricky situation and it’s probably gone too far now where the insurance companies have effectively cut their own throat. It’s a real mess and I wouldn’t want my car fixed by pretty much any body shop after what I’ve seen in recent years. I’m lucky I work in a body shop where quality comes first but that’s a rare thing now unfortunately.

[@rustyjeep2469]

@@likemetoo2 I was a collision tech as well. BS industry thanks to the insurance co's.

[@QB2ERS]

​@@zibbezabba2491LV charge you £200 if u don't use their contracted repairer. Got a campervan our mororhome? They send it to a regular repairer who has no clue how to deal with all the interior stuff that has to be removed to get at the damage site.

[@johnblack9037]

The UK insurance industry is a rip off! It’s like a closed shop.

[@ferrumignis]

It absolutely is, they seem to be permitted to lie to and cheat their customers.

[@a.c.4732]

Not just Insurance ; every Big Business in the U.K :- Lie, Cheat & Steal . Legally . Deceitfully . The BBC used to run a toothless guard-dog programme called Rip-Off Britain with the usual three old biddies , lots of talk /no action. The only good that came out of that programme is it taught you to trust NOBODY . What a way to live .

[@Lenn006]

​@@ferrumignisit is organised and legalised daylight robbery like everything else starting from taxman to the councils and food industry.. Tax on tax on tax

[@ferrumignis]

@@vevey75 This is happening to almost everyone I speak to. Good luck if you mistakenly own an EV as they are being hit the hardest.

[@RobertDore-w4l]

It is a closed shop.

[@philipgallagher3234]

They've always said that "No claim" doesn't mean "No blame". You are always blamed to some degree. and that "degree" is financial.

[@QB2ERS]

Rip off

[@peekii4384]

Licensed racketeering

[@Th3_Gael]

Wrong, it's enforced. If you don't comply big daddy comes to get you

[@Calislav96]

@@Th3_Gaelthey couldn’t come for all us if we people decided not to comply with our overlords

[@NealyLL]

💯

[@gssf.gr29]

@@Calislav96 We all agree but it's easy to say, impossible to implement. This and other rackets, all designed to gain as much as possible from us from corporations and institutions that already have so much money that they don't know what to do with it, need to be stopped, we need a complete reset.

[@rockets4kids]

@@gssf.gr29 The insurance companies know exactly what to do with all that extra money -- buy off lots of politicians!

[@chriswilson214]

Great video Jack, keep up the good work !!! My Mother had he car bumped on the street while it was parked up and the person drove off. Fortunately someone took his Reg and we reported him. He got in touch and claimed on his insurance to have her car repaired and all sorted so we thought. When my Mum renewed her insurance her premium increased by £150 for a 'no fault claim' that was placed on her file history. We were double shocked as they said that 'fortunately on this occasion her NCB would not be affected' OMG !!! This is an absolute disgrace and clealry the PRA and FCA are not doing their job regulating these 'fraudsters'. Because we have to have insurance it's a license to rip us ALL off !!!!

[@Vince_Paul]

Insurance companies in the uk have been ripping off the British people for decades. You only have to look at the reason insurance companies up the price year on year. We have had the following over the last 50 years, keys fit other cars so easy to steal, then you need an alarm, then immobiliser, key fob locking, then the post code you live in, area you live in, age, keyless entry, many more reasons. What they don’t tell you is that almost all British insurance companies have sister companies or subsidiaries in Europe, and the British people subsidies that. A Germany mep years ago did an experiment got drivers the same age in the uk and Germany, passed tests in the same week. So the male and female drivers in Germany went to a Mercedes dealership both got an A class, drove out on the same day fully insured via British insurance companies. The two British male and female went to Mercedes dealerships for an A class couldn’t get insurance. When the insurance companies were questioned by the mep they didn’t have an answer to why and wouldn’t answer. It’s funny that Insurance in the uk keeps going up, yet in Europe it doesn’t. Insurance companies in the uk state loads of different reasons for upping the price, which is all crap. For example stolen vehicles, the uk if people don’t realise is an island, Europe is not. The uk has less stolen vehicles than in Europe. Most vehicles stolen leave the uk via a port ferry or in a container on to a ship. Yet no insurance company or the police tells the ports to to bring in technology like ampr to check on the vehicles entering the ports. Why is that? Because the insurance companies will just pass on the price to the British people instead. It’s the same when it comes to an accident one person is at fault, yet the person not at fault will pay the following year or the next time they get insurance because of the accident which was not their fault. The insurance watch dogs and regulators setup by government are in the pockets of the insurance companies. So insurance companies can and do as they please. Notice how the insurance companies still payout to share holders year on year, yet the insurance companies keep stating all different reasons for the prices to go up year on year. But the share holder get paid out more year on year. Insurance in the uk, needs to change asap. It shouldn’t be on the person and vehicle, it should only be on the vehicle. The police need to stop being the ones who act on behalf of the insurance companies, with the stopping of vehicles with no insurance, the insurance companies as an industry should be paying the police for that service. As an uninsured vehicle if in a crash or accident costs the insurance companies. So the police should be paid by the insurance companies for saving them money. More needs to be done by the insurance companies when dealing with the ports letting stolen vehicles go through them. Insurance for vehicles needs to be a fixed price set by if need be government in the budget. So all vehicles are £500 per year max, lorries are also done at a set amount, motorbikes should be £250 a year max. Then those that have not had an accident or stolen vehicle know they will be paying less than the max year on year. An new driver or rider pays the max set ie £500 or £250. An the same when it come to a vehicle repair, now the insurance companies just right the vehicles off, instead of repairing them. Mainly because they go by dealership pricing for parts and labour. When everyone knows the local garage and body shop works out to be close to half the price. So insurance companies should be forced to use these local garages and body shops. They should also have to prove the right off of a vehicle is the cheapest option, before they can right it off.

[@loc4725]

I was following a discussion about UK & foreign pricing a few weeks ago and someone mentioned that their importer, who is the sole authorised UK wholesaler calls the UK "treasure island" because of the size of the mark up. In fact it is often actually cheaper for you and me to buy some stuff from Europe *including shipping & customs charges* than buying it here in person. Case in point: Last year I needed a new dishwasher pump, around £130 in the UK or £68 delivered from France, all in.

[@Vince_Paul]

@@loc4725 it’s not called “Rip off Britain” for nothing. Some years ago I watch a motor journalist buy a Range Rover from Belgium. It was £5k cheaper at the time. He watched it go past his house. A couple of days later it was delivered on the same transporter, to his house. Years ago the ex wife and I would spend a weekend in Europe buying what ever we needed for the house etc.. If we couldn’t or don’t want to put it in the car, have it delivered, saved 1,000’s and had a weekend break at the same time. Which worked out to be next to free as we saved so much. It’s more expensive for everything in the uk. An always cheaper even now to buy it in Europe and have it delivered. Than it is to buy it in the uk. When I was based in Germany in the armed forces vehicle kept on barracks, insurance was £385, moved back to the uk they wanted £1200 even tho the vehicle was kept on a barracks. The insurance company said it was a high risk area. I asked how many vehicles have been stolen off an armed barracks, none was the answer. So how is that a high risk area. I then asked for a quote for having the vehicle at my parents house in London, which was a high risk area as I had been told the insurance was £700 a year to leave it on the street. It was a case of welcome back to cash cow rip off Britain. The insurance companies have always been a complete corrupt and conning industry in the uk.

[@nuttycommuter3718]

That’s mostly a load of bollocks

[@Vince_Paul]

@@nuttycommuter3718 so why is that a load of bollocks? Let’s hear your constructive criticism then? Facts are insurance have used any reason to put policies up. Facts are 90% of vehicles stolen are sent overseas via a port, insurance data even states that. Fact that British insurance companies have subsidy’s in Europe . Fact vehicle insurance in Europe is around a 1/3 of that of the uk. Fact vehicle insurance in Europe has not gone up by the same percentage as the uk. Fact the insurance watch dogs and government body setup to hold and watch insurance companies, never comment on the prices going up. Insurance in other big countries the USA for example it done on the vehicle not the driver. Germany mep tried to hold the insurance companies accountable fact. Insurances pricing could be held at a max of £500 per year for vehicles and the insurance companies would still make a big profit. Because of uk laws the police act on behalf of the insurance companies, when stopping a vehicle. To the point they take the vehicle. The percentage of no insurance drivers in the uk is less than 5%. As stated by the police.

[@Damian_Ravenscroft]

nothing will be done because the insurance companies are lobbying hard the government so pay and stay down

[@SevenDaysToNoon]

Exactly right. You HAVE to pay to drive legally, but if you claim you’re premium will go up! Even if another driver was at fault. Worse than that 2 years ago I called my insurance company to query replacing my windscreen due to chips. They advised the windscreen replacement would NOT be branded, but generic. So I did not continue through the insurance company. Instead I paid for it outside of the insurance. The following year when my renewal quote arrived it had nearly doubled! When I called to query this they said I had made a claim! Even tho I hadn’t! Insurance companies are a scam and I hate the fact that every year I have to move my house, car and bike elsewhere cause you are penalised for loyalty! 🤬

[@brianmallalieu4940]

Car insurance companies are a complete rip off they can't lose I'm getting sick and tired of premiums increasing year on year I don't blame people driving without insurance it's about time something was done about these money making crooks

[@QB2ERS]

Rip off

[@marklawton5753]

Im a driving Instructor and a few years ago I went through a period where I was rear ended three times within a years period all whilst sat at a red traffic light and none of them my fault. One was just as I was waiting for a new car to be delivered and the next 3 days after receiving the new car. All cost recovered from the other parties and as I said no fault of myself. None of the car were leased, all paid for and owned by myself. But after the third claim, I received a warning that if there should be anymore claims then I would be refused insurance cover WHAT! Thank god I have now gone seven years without any further accidents. What are we supposed to do ? insurance as someone once said to me many years ago insurance legalised robbery! how true that statement was!

[@cannaroe1213]

Well you see, statistically speaking, accidents go down after they send out sh**y letters. So really you should be thanking them for your good luck these last 7 years ;-)

[@marklawton5753]

@@cannaroe1213 Lol I had not realized they had sent out letters to all other road users in the UK telling them to be careful around my learner drivers when we are stationary at a red traffic light.🤣🤣🤣🤣

[@Mabeka82]

They're treating you as if it's your fault. Next time, I'd suggest doing your own repairs if it's bumpers or mirrors.

[@JimboXX78]

I can see why they put some blame on you as statistically you travel over what is clearly a dangerous road, and it's only a matter of time before you rear end someone yourself. Or they might think it's like a woman I worked with who kept getting rear ended at the nearby lights, never went down as her fault but I suspect she was a late breaker and contributed to the accident happening even though she was stationary when hit.

[@ironfist4628]

Glad to hear you believe it’s an act of God you’ve gone seven years without an accident. Usually God gets the blame when accidents happen lol.

[@DaveScotland75]

I was told by an ex when she worked for an insurer, "Premiums are loaded 10% non fault, 20% at fault and 25% for 50/50 as neither insurer knows which policy holder lied"

[@Buck3366]

Absolute scam artists. Numbers plucked from the air when quoting prices. Wriggling out of claims. Non fault claim hikes. Price increased on renewals as opposed to a new policy. Writing off cars over something totally ridiculous ( See Saving Salvage when he bought a brand new still in transport mode smoke damaged Golf R). Bunch of See you next Tuesdays!

[@nakoma5]

So what can we do about it other than complain in a youtube video or reddit comments?

[@russthebiker]

My car was written off Promptly sold at auction and then driven to Leeds, where it is now a minicab

[@dungareesareforfools]

The one that gets me is increasing your premiums when nothing has changed and you haven't claimed, because of "the market". A year without a claim is money in the bank for them, why should you even pay as much for the next year, let alone more?

[@nuttycommuter3718]

@@dungareesareforfoolsHow do you know that nothing has changed? How do you know that the risk profile of your postcode hasn’t changed? Or of your car? Email domain, marital status, occupation, employer industry, repair costs, legal framework for injuries. To be able to say “nothing has changed” means you must have access to all of the information that the insurer has

[@dungareesareforfools]

@nuttycommuter3718 I know I'm being simplistic, but if I'm the same person, living in the same place, driving the same car, and staying with the same insurer, having not had a claim - why should I ever face a price increase? The insurer ought to be investing my past premium to offset any change in perceived risk.

[@robertmcgivern6585]

I've never once thought car insurance was "a bit of a rip off". It's obviously fkng massive.

[@nigelk780]

If ever an industry needed regulation.

[@sagetheowlfatfeathery2083]

Tell me you have no idea what you’re talking about without telling me you have no idea what you’re talking about

[@kristoffer3000]

@@sagetheowlfatfeathery2083 Let me guess, it needs less regulation because something something free market something something cronyism something something

[@hoonaticbloggs5402]

They are regulated. By the very same people who make it a legal requirement

[@thomasedwards9812]

Insurance is probably one of, if not, the most highly regulated industries in the U.K. They are regulated by the FCA, FSA, and PRA. Just try and work in the Industry for 1 month and you will very quickly realise just how much regulation there is.

[@motorclaimguru]

It is regulated by the Financial Conduct Authority

[@QuickieFastFast]

My friend had a funny one. He has 10 yrs NCB and has his truck insured but decided to buy a little run around. He rang up his insurance company to get the car insured and they told him he couldn't use his NCB on his new car because they were being used on his truck. He said that is fine and that he will drive the new car like he's just passed his test, with no experience, hesitant etc. The insurance company asked why and he said that his driving skills and experience are obviously somehow stuck inside his truck

[@phill6859]

It's not funny. You can only use the NCB once. Otherwise you'd insure loads of cars and add named drivers.... It's to prevent fraud.

[@JamesBond-is5du]

​@phill6859 my wife and I both are added in each other's policy as named drivers, on both our cars. I sold my car mid year and started driving hers after buying her a replacement car. She got the ncb in her name only

[@simsnqta]

​@@phill6859Myabe fraud but honest people pay for the consequences of it. Insurers don't give a f..k...

[@macbitz]

Remember, insurance companies are beholden to their shareholders, *not* their policyholders.

[@OH2023-cj9if]

Yes, I make loads in dividends, so effectively get free insurance for one investment years ago.

[@Half12Hardcore]

@@OH2023-cj9if imagine coming to the youtube comments to have a little brag

[@supergeekjay]

All public companies are at the mercy of shareholders and investors. Capitalism at its finest (not!)

[@Tony-ob1pr]

Cradle to grave your screwed over. Capitalism at its finest. Like the car manufacturing industry given time they’ll screw themselves big time.

[@feichengwurao320]

"beholden to their shareholders, not their policyholders" That's the same even for the gov, they're beholden to their political donors not the people of this country! Corruption at the top, trickles down to corruption in the commons.

[@theblackhand6485]

NL (EU): Even worse; your insurance let's you pay coverage on the value of the car when new. All those years. But when there is a claim then the insurance looks to today's value. The same counts for when you buy a €/$2000 car. Not the value of buying it counts but the value new of dealer. That's a scam. And if you have an accident they try to confiscate the car. Giving you a small amount of money and raising your insurance but in the meanwhile they sell your wrecked car tithe highest bidder! ...so garages or what ever can bring back your car on the road and the insurance company benefits from both, even multiple, sides! And what ever way they rip you off, this should be brought to court!

[@paulgraves7949]

Happened to me! My new Cupra Formentor (6 months old) was hit by a bus WHILST I was sitting in my house watching TV! The bus driver accepted full responsibility but the bus company (sounds like sage post!!) refused to pay a penny (total bill £6550) for over 6 months! My insurance was then up for renewal 7 months later and even though my insurance accepted that my claim was a no fault claim because they hadn't received "full reimbursement of costs" my new policy went up from £225 to £650!! They eventually paid up days before I had to pay for my new policy and i eventually paid the lower amount! Very few people realise that this happens...you are totally at the mercy of the system and even though you are totally (as in my case) faultless you still can get penalised! Thank you for making people aware of this....

[@peterwalker6446]

Imagine being a private company driven by profit and shareholders, where people have to pay you whatever you want them to every year just to avoid breaking the law, but when it comes to you paying them, it's entirely at your discretion and you face zero consequences for refusing to do so, you can however use their attempted claim as a perfect excuse to raise your prices for them again with no consequences. It's so broken.

[@shapesart2701]

This happens when Insurace becomes obligatory by law when companies are stock market players - all about money not about you

[@BrianPaterson-f3i]

Always has been !

[@andrewfarrow4699]

Bizarrely, Insurance is not compulsory in New Zealand. Perhaps a bit cheaper than the UK but they certainly rip you off here too, and do not like to pay out. A lot of you people don't insure their cars at all because it's too expensive. 17 year olds driving around uninsured Nissan Skylines and Subarus is not uncommon.

[@QB2ERS]

Chaps in the city old boy

[@bocian6666]

My neighbor parked his car on a hill with a faulty handbrake. At night, while everyone was asleep, the car rolled down the hill and hit the side of my car, causing significant damage. The neighbor took full responsibility and gave me his details. I contacted my insurer. The car was repaired, but my insurer sent me a letter stating that the third party did not want to settle with them, so the fault would be placed on me. I mentioned that I had recordings from a camera and a statement from my neighbor, so I took the case to court and recovered all my money. Additionally, when my insurance premium went up, I sued them again, and the court ordered the incident to be removed from my records. I also demanded an official letter of apology and written proof that the records would be removed which I’ve have received. The moral is to never give up.

[@garrycroft4215]

“You are more likely to claim again “ however if you have never claimed in say 30 years then they class you at a higher risk of a claim basically because you are due an accident. You can’t make this stuff up but it’s true.

[@tonypacke6954]

Yes, I was told that as well. A real bunch of crooks really.

[@PaulAndBiscuit]

That bit is nonsense.

[@saxonuk14]

Just look at the number of people in the comments here who are talking about relatives that have 30+ years of no claims then have multiple no-fault claims in a short time. These are all people providing evidence that the insurance company is right that there is a statistically higher chance of someone having another claim once they have made one. Logic tells me they cannot be linked, but there are very bright and expensive people who look at all these figures to work out the risks of individual characteristics. I don't understand why they are linked, but there does seem to be evidence to support it (if only anecdotally in the comments here).

[@PaulAndBiscuit]

@@saxonuk14yes, something has probably changed that contributed to the first accident, such as taking more risk when driving. Or maybe they just bought a Giulia QV 😮

[@Musician-Lee]

As a retired insurance broker myself I’m surprised at the number of people who buy their insurance direct, or via comparison websites. Buying through an insurance broker costs no more, but crucially the broker is YOUR agent and liable to you for getting you the right deal. This type of rip-off won’t happen when you use a broker

[@hunchanchoc8418]

Tim mentioned 3rd Part Fire and Theft insurance - the trouble is, they charge you MORE for that than they do for Fully Comp !!

[@ark-vc8oz]

I'm glad I'm not the only one who noticed this too

[@phill6859]

​@@ark-vc8ozit's because people who only insure 3rd party and dodgy

[@Cillaron]

So if the whole idea is that the insurance company is aiming at no out of pocket, hence they have no risk, then it’s not really insurance….

[@garfieldsmith332]

It is insurance for them. They make it so that they are sure you will not make an insurance claim no mater what, to insure that do not have to pay out.

[@Th3_Gael]

That's what happens when big daddy says it's the law, you MUST have it.

[@jujuUK68]

The trouble is, the one person who broke his policy T&C by failing to declkare somehitng, has a louder voice than the 99 people who got their claim paid out without fuss or bother. Sure they're not perfect, no one is, but your statement is so ridiculous, and so absent of context or understanding, yet 3 people gave it a thumbs up is alarming.

[@Th3_Gael]

@@bfc3057 not really, I'm saying that because the force of government will come down on you, you have no choice. If you have no choice why should insurance companies offer one, or even uphold their end of the contract. I had a policy payout declined in the 90s for a non standard stereo that I had declared, and had to go to court to resolve it. If I've declared it, and payed additional premiums why didn't they pay out?

[@Geoff-n1d]

This needs intervention by law… it’s clearly a stitch up by the Insurance companies…. It’s clearly an unfair contract term

[@francisdmn]

Excellent video Jack. A couple of years ago my son had his car stolen from outside his house. We lent him one of our cars while he got a replacement His insurance company were great on that and he had a new car in 2 weeks. However in adding him to my car insurance they wouldn't class his claim as a no fault as the vehicle hadn't been recovered so we had to pay a higher premium. Just seems non-sensical

[@phill6859]

If they took everyone's word for their car being stolen, there would be a load of people selling their cars to go abroad and then claiming.

[@nononsenseBennett]

You have opened the Pandora's box with this video! I'm sure there could be hundreds of videos on this subject. Insurance of all kinds needs to be reformed and made more transparent and fair.

[@Th3_Gael]

Or, if it has to be compulsory, as it is now for vehicles, why isn't 3rd party included with the road tax. If they were to do that, sure road tax would go up but then they get a revenue generator and we get affordable insurance. If I'm forced to pay then I'd rather have billions payed into public funds than a couple of people's pockets Maybe I need to get hold of Farage haha

[@philhawley1219]

What a heartless comment. Insurance must be made less transparent so the poor starving multi - millionaire brokers can buy a bigger yacht and more high class whores. How do you expect the thieving bastard to buy even his next kilo of coke without him putting his hand in your pockets ? Spare a thought for Heavens sake.

[@kristoffer3000]

@@Th3_Gael Farage would never agree with you on that, he's a gigantic corporate stooge just like all other right wingers. What you're talking about is leftist territory and no, not labour as that's turned into a useless liberal party.

[@motorclaimguru]

I am getting around! trying to eductate everyone on the perils of dealing with insurers.

[@ferrumignis]

​@@Th3_GaelI think you might be surprised at the number of people driving with no tax...

[@EliteRock]

My father was in an occupation that 'loaded' his insurance and was very careful to avoid letting his insurers know about any damage to his car from a 'no fault' collision. I can remember an occasion in the early 70's when someone reversed into him (having being forced to stop and back up for an oncoming car in a quiet, residential street), he was having none of the "OK, let's exchange insurance companies", left it for the other driver to sort out with _her_ (sic) insurance. However, that was then this is now, I know that for many years insurers have worded their contracts to stipulate that you inform them of any and all 'no fault' claims on pain of invalidating your cover, but I've always wondered how that would stand up in court, because I don't believe it's mandated _by law._

[@philwoods2534]

well done for making it public - there should be a public enquiry into Insurance companies - they are now closed shops and you have absolutely no options but to comply with their demands even if no fault situations occur. Its a typical British Rip off....

[@southerncross9302]

I was hit by an uninsured driver he then drove off. I had picture of the car. Went to the police they did nothing. My insurance has gone through the roof.

[@rhettcorcoran2879]

Incredulous behaviour. ETA, someone drove into my TVR in a car park, I wasn't in the car, he admitted liability, I got the car repaired, his insurance then tried to take me to court for an excessive repair cost, I counter claimed and won, I got a small fee of compensation from his insurance company and the driver at fault was so embarrassed by his insurers that he also gave me a small fee. No fault of mine, it was absolutely incredible behaviour.

[@ChishanFipz]

what broker was this?

[@rhettcorcoran2879]

@@ChishanFipz National Farmers Union.

[@ChishanFipz]

@@rhettcorcoran2879 Just goes to show that in the insurance world, the supposed trusted name 'The National Farmers Union' means absolutely nothing.

[@motorclaimguru]

This does not suprise me in the slightest, the insurer either...

[@ImBarryScottCSS]

If the courts had any backbone they would have slapped the insurer with a large enough compensation payout to make you a happy man and them think twice next time, alas if it was only a token amount they will just keep doing this because most people don't have the stomach to fight back.

[@TomThumb-d1r]

It happened to me. I was rear-ended, the other driver admitted liability, and my insurance company fully reclaimed all expenses, but my comprehensive insurance went from £210.00 per year to £1,100. I had to settle for a renewal TPF&T for £500 per year. We're being scammed.

[@automotiveaffairsshorts]

As someone who is dealing with the insurance company for the last 4 years, for an accident that wasn’t my fault, I can attest that insurance companies are scum, and the people they hire would make Darth Vader seem polite and kind!

[@marklawrence8517]

OK,. An 83 year old man crashed the red traffic light and hit my car writing it off. His car is turned upside down at the lights. Who's to blame? According to my insurance company it's a 50 50 claim! And my insurance premiums increased.lucky there just happened to be 3 witnesses, one of which was a police officer. I would have thought it would have been a dangerous driving charge but it was only a due care and attention according to the police! Upon my insistance he be charged and plead guilty to the offence ( (80 pound fine and licence withdrawn). Eventualy I was able to reclaim my increased premiums and the excess etc but it took a while and had I not bothered to chase them up I would still be paying more than necessary. What a scam the insurance industry is!

[@TheLRider]

High time insurance companies were brought to heel. They are there to protect us at all times but they seem more concerned about protecting themselves. It's, a typical example of where free market competition doesn't work.

[@Calislav96]

That is true indeed but also these corporations have lobbied governments so much its basically impossible to make start your own insurance company and “compete”

[@me-myself-i787]

It's not a free market if it's illegal not to buy the product from a certain group of companies. As usual, the government is the problem. There's no reason driving uninsured should be illegal. Only difference between an uninsured driver causing an accident and an insured driver causing an accident is that, when an uninsured driver causes an accident, the driver would have to pay rather than an insurance company paying. The victim isn't affected by who pays.

[@hardsjeremy3973]

@@me-myself-i787the reason insurance is compulsory is because the uninsured driver may not have enough funds to pay the claim. Bit of damage to another car would be upsetting but not the end of the world. However, what if they caused an accident killing several people, or left paralysed for life. Are you suggesting that doesn’t matter because they paid a few hundred as that was all they had, then went bankrupt. If you really want to drive uninsured legally, you can, but you need to deposit £500,000 with the relevant authority so that there are funds available.

[@cafsixtieslover]

A few years ago my son left his car in a tube station car park for the day while he went to work as he always did. In the middle of the day there was a short burst of heavy rain, the car park temporarily flooded and the water went above wheel level and got into the car. By the time he collected the car the ground was dry again but the car was full of water and smelled awful. He phoned his insurance company to ask about the possibility of them having them pay to have it cleaned. They told him the car was a write off. He said there was nothing wrong with the car itself it just needed a clean, but they did not want to know. Eventually we cleaned it ourselves and left the windows open for a bit in the hot weather and a couple of weeks later all was back to normal. His next premium went up because they said he had made a claim although they did not pay him a penny.

[@dlee9547]

This is because you have compulsory insurance in the UK.. Here in New Zealand we do not have compulsory insurance and these insurance scams do not happen as there is so much competition from the insurance company's to TRY and get your insurance

[@RobGMyMX5]

What happens if you get hit by someone without insurance?

[@cannaroe1213]

There's only 15 people in the whole country mate, they have to get along.

[@samueldowney2806]

@@RobGMyMX5 If you're insured your own insurance company should pay (and probably screw you with no claims etc) and try to recover the money from the uninsured driver (probably at like $5 week for the rest of their life). If you're uninsured, try not to crash into a Ferrari or Rolls Royce.

[@rodriguezpavara5652]

@@RobGMyMX5 your insurance company has to try and get the money from them.

[@rodriguezpavara5652]

I'm in NZ and we are not free from this sort of practice. A friend had a valuable car stolen from inside his locked garage and the insurance company then found he had had a speeding ticket and not informed them as per his policy. So they refused to pay out. We also have medical insurance that does the same thing. If you go to your doctor for a sore throat and fail to tell them, then later need a hip replacement, they will refuse the claim. Totally crooked - but they have enough money and influence to direct govt policy on such matters.

[@numberstation]

Yep. I had a someone drive into the back of my car while I was waiting at a junction. I was completely stationary and was entirely innocent of any blame. Later that year I was discussing renewal with an insurer and after giving my details and history I was quoted a price. Then I remembered that I’d been hit earlier in the year and I told them, and my quote went up. “Hang on, it wasn’t my fault! She drove straight into the back of me, why has my quote gone up? “Because you were involved in an accident.” “But it wasn’t my fault! I did nothing wrong!” “It doesn’t matter. If you’re involved in an accident, your premium goes up.” So for the next five years I paid extra because of her inability to drive safely.

[@etoineschrdlu9382]

And the insurance company says, "Two for me and none for you. Three for me and none for you. Four for me and none for you. . . ."

[@SGSAutomotive]

If you don’t plan on claiming then don’t ring your insurance and asked them about claiming once you have rang them they note it on your account so even if you don’t claim they still have the info to work on renewals.

[@julianhoskins5158]

Hi Jack. I had this happen to me last year. I WAS insured with Admiral on my £500 vw polo and someone hit me from behind while I was stationary at a roundabout. I got the guys insurance details I informed Admiral about it and said I'd take it to a body shop to get an idea of the cost (only minor damage). 1 week later I left it on the road outside my house to let it dry after washing it before taking it to the body shop, I was inside the house when door bell rang and it was a friend of the neighbours who lived opposite and he said "sorry I've just reversed into your car". They admitted liability and I got their insurance details (more serious damage this time). I informed Admiral about it and they said that the last claim is the one they use as you can't process 2 claims on the same vehicle at the same time. Admiral would write the car off so I agreed with the guy who caused the second damage to pay me privately. I informed Admiral that I'm no longer claiming and they said it would only be noted down as an informed incident and not a claim. 3 months later my renewal came through and it had literally doubled since the year before. I phoned Admiral and after hassling the agent for an answer he admitted that the double recorded incident (not a claim) would be the main reason why the renewal had doubled. The motto to this is DO NOT put in no fault claim unless you have major damage to an expensive car that the 3rd party isn't willing to pay for privately! There is a real danger now that people with low value cars will not bother taking out car insurance at all because they know they won't use it anyway if someone hits them and they'll take the risk that they won't hit anyone. This is a really sad state of affairs and insurance companies need to held to account about this. Thanks for this video Jack and bringing this scam to people's attention 😊

[@scod3908]

Do you not have "3rd party" insurance policies? In Australia, anyone with a cheap vehicle (mosty young people) simply buys a cheap policy that only covers 3rd party damage

[@stuc6787]

​@@scod3908 we did but most companies pulled them or made them more expensive than fully comprehensive policies!

[@robertomalatesta6604]

"There is a real danger now that people with low value cars will not bother taking out car insurance at all" What if 'people' hits, say Jude Bellingham, on a zebra crossing?

[@Wargasm54]

Do you have insurance options? In the USA, we have “liability “ insurance . If you own a cheaper car, liability will cover any damages you cause to another vehicle, but your cheap vehicle is not covered. So if you’re at fault, you’re covered for the other persons vehicle, but your car is your responsibility. It’s a minimum requirement in the USA . But if your car is not paid off, you’re not eligible for “liability “ insurance. You have to get “comprehensive “ that covers both vehicles.

[@julianhoskins5158]

@@robertomalatesta6604 Yes, that is a big problem. But there are un insured drivers out there that take the risk!

[@superchickenlips1]

About a year ago my car was hit whilst parked. There was a police chase apparently. A police officer came to my house the next day and explained that he wasn't sure if it was them who hit my car or the fleeing driver. That confused me greatly, and after asking about dashcams, he kept playing it down saying it was not a problem. I got annoyed at that, and reminded him that I needed details of an offending driver to hand to my insurance. His reply was "don't worry it will just go through police insurance", and gave me an incident number, no paperwork. When i called my insurance they said they needed those details or it would just go down as my fault and I would have to pay the excess. So I called the local police station, gave the incident number and politely asked for more info to give to my insurance. "well that's odd" said the lady on the phone. "It's blank. The whole crime report form is blank. I've never seen that before". I think the insurance company called the police and demanded to examine their car, but the driver's solicitor had already successfully demanded the release of their vehicle. I still don't know what happened, but I ended up getting screwed, and I have heard nothing from the police since. I paid the excess. hoping I might be able to get it back, but never have. Then a company called Alton Cars, a crash repair company that is on the same plot of land as the dealerships my car is from, picked up the car to start repairs. Basically, every panel on the passenger side was trashed. New electric sliding doors, new front passenger door etc. After a month they gave it back to me, and for the next 6 months i was backwards and forwards to the dealership for warranty fixes relating to all the stuff that was just repaired. After 3 or 4 fixes on the repair work, I started to smell a rat. These were kickbacks, so the dealership get a cut. See, my car is a motability car, and it was clear that the repair company and the dealership had a deal where the repair company would purposely fudge repairs so you then had to go to the dealership and have something fixed under warranty. Because the motability charity is a bottomless pit of money to these companies. As soon as I complained, the kickbacks stopped. Lastly, I have a door that rattles and the dealership said they ordered the part. 3yrs later, many many calls about the missing piece of trim, and now my car is out of warranty, and I still don't have the piece.

[@alastairward2774]

See, this is the worst part of motoring for me, yet it apparently gets least notice. The press cover bus lanes, LTN's, cyclists paying no taxes etc but never insurance. Your car could be fully paid off, sit on your drive all year, go nowhere and you'd still need to pay a great whack of money for insurance. Yet I've never heard any politician say "yeah, it's a rip off, let's get on that".

[@GrandadTinkerer]

My Son-In-law had his motorbike stolen. As a matter of course, the insurance company was notified. The bike was recovered, and my son-in-law decided to deal with the damage himself, therefore the insurance company paid nothing. When his insurance was due for renewal, he was surprised to discover that the premium had increased. When he questioned this, he was told that it was due to the theft of his motorcycle. He argued that he had not made a claim. However, the insurance company stated that the incident had been reported to them, therefore had been recorded on his policy as a theft!

[@JAY61ish]

My premiums go up every year anyway . No claims gains another year .premium goes up.. it's a massive scam .

[@nuttycommuter3718]

Have you heard of inflation? Everything goes up every year. Your no claims discount isn’t a promise that your insurance will never go up. Also, after x number of years, the NCB discount stops increasing

[@greggpedder]

​@@nuttycommuter3718insurance premiums go up every year by more than Inflation chief. 🙄

[@RobertDore-w4l]

@@nuttycommuter3718 Inflation is a stealth tax🙄

[@Martin-Skovgaard]

@@RobertDore-w4l By the government, not the company.

[@allanhughes7859]

Been there and worn the T shirt a few times on this one The other scam is when they try to get knock for knock and again you lose !! Great and informative up load !!! Well done and well said Sir !!

[@6351stuart]

I can do one better than this. I had a young kid (17 ish) drive into the side of me, I felt sorry for him and said just give me your excess as it was £500 and minor damage. But after his dad found out they tried to blame me so i though i would just go through the insurance. After i told his dad it was on CCTV that his son was indeed at fault he became my best friend and wanted to settle in cash so i told my insurance we were dealing with it on our own and thought that would be that. But a few months later when i came to renew my premuim went up! This was due to the incident even though not a single insurance company paid a single penny but the fact i registered the initaial claim was enough for them to increase it. Insurance in the UK is just a ticket to ride anything more and you will loose out.

[@dazzassti]

Yep exactly same for me. As you soon as there’s notice that’s it’s it will be your instas as an incident. The problem is when renewing there no option for an incident it’s a claim

[@user-bh1oy8kj5q]

@@6351stuart it was a mistake to have used his insurance in any way. You know this but it needs pointing out. Feeling sorry for someone is a bad idea when it comes to insurance claims.

[@radleytube]

Hastings insurance is apparently contacting it's customers three or four months after they have paid and started the insurance on the vehicle. Asking, Demanding that you send a copy of your driving license front and back, a copy of your v5 for the vehicle, all pages. So they can cross reference with what details they have and if it is wrong you would have to pay to have the policy changed plus admin fees ! And a code for your driving license so they can check what points you have and/or convictions. Surly this can not be right ? It's easily open to explotation from the insurance company, making more easy money after the deal/start date vehicle insurance was first made. How can this be allowed to happen, this must be against the rules ? What would be the name of the body that over sees these companies , what laws?

[@stevewhite658]

32 years NCB, a lady reversed into my (parked legally) car with me a mile away visiting my terminally ill Mother in hospital and despite her insurers paying everything and advising that I did not have to go through my insurance at all it just cost me £350 more to insure my car because the third party insurer reported it to the MIB as a No Fault accident. The Motor Ombudsman should do something about this scam as it will follow me for up to 5 years.

[@bearingthebrunt3650]

Exactly the same for me. My car was just parked at home & I was at work 10 miles away. (A neighbour reversed in the rear). I have never claimed on my car insurance since passing my test in 1985. Whilst her insurance dealt with everything & the repairs fine - as you say we the "non fault" parties still get penalised for the next 5 years bc we are obliged to declare it upon our renewal. It's a totally ridiculous system & needs addressing

[@ggeo1uk]

My Range Rover was stolen, long story, totally disappeared, 3 months later the insurance paid up but without any contents and advised me it was recorded as a fault claim as all thefts are treated as such. I also had 9 months of my policy still to run but they refused to refund it. I had to pay over the odds to add my replacement car to the policy too. I will not be staying with them

[@duncanforrester6126]

I’ve also suffered in the same way when my daughter, driving my car, was rear-ended. Simple process, minimal damage resolved directly by the 3rd party’s insurer. But 3yrs later I’m still being penalised on premiums because it’s on the Motor Claims Database as a No Fault claim. I made no claim(on my policy), notified insurer for information only (as you must) and the accident didn’t even involve me!

[@d.c.Jones70]

This is exactly why the government and the opposition are promosing to look into car insurance,in the last few years premiums have rocketed and they have inserted these no risk to themselves clauses. They are out of control and need overhauling.

[@ruk2023--]

If the insurance industry spent as much on paying out claims as they spend on figuring out ways to avoid paying out they would be a lot richer.

[@timf-tinkering]

I was involved in a non-fault accident last year, and I had third-party only insurance on my car. My insurance company refused to do *anything* and I had to deal exclusively with the other party's insurance. This was a nightmare from start to finish, mainly because their insurance company couldn't understand why I was communicating directly with them and not going through my own insurance. To the extent that at one point the case was updated to show that I was the owner of the third party's vehicle, and I had to put them straight on that! I eventually got my payout after raising a formal complaint with them. Moral: *NEVER* buy third-party only insurance.

[@robertmartindale563]

The fact that if you get points for, say, speeding, it affects every car you insure equally, but no claims bonus can't be used on all vehicles.

[@BrianPaterson-f3i]

You are catching on!

[@stuc6787]

And that points expire after 3 years but the insurance company wants 5 years of driving endorsement history because it's another chance to squeeze a bit more out of the customer.

[@fs5866]

Yes it can lol, I transferred my 5 years motorcycle no claim bonus to a 370 hp Kia stinger. I ended up having both on 5 years no claim bonus.

[@ferrumignis]

​@@fs5866Then that is the insurance company's mistake and your gain, it's not normal.

[@robertmartindale563]

​@@fs5866it shouldn't, but apparently some companies will mirror your no claims, with caveats. I also had two vehicle insured with the same no claims (before I knew you weren't meant to) I assume the new insurer didn't check if the no claims was in use or not.

[@pams4401]

Try changing your car halfway through the year with no accident claims. One insurer charged me £120 to change the policy then had the cheek to base my renewal quote on both the previous year's premium and the additional £120. Doubled my quote. Shopped around. Found another cheaper than the previous year.

[@derranged28]

About 35 years ago, I got wiped out by a drunk driver. Totally his fault. I had 3rd party fire and theft insurance. My insurance company wouldn't lift a finger to help me deal with the other driver's insurance company. His insurance company did everything they could not to pay. I had to accept a very low "offer" just so I could get something to afford to buy another car. When I went to insure my "new" car, my insurance company stung me for an extra 10%. When I asked why, I was told "well, because you've had a crash". Total scumbags, basically a licence to print money.

[@tonysheehan7766]

Only 10%?!! You did well!

[@nuttycommuter3718]

So you bought a policy that only covered your car if it was stolen or caught fire (presumably to save some money compared to fully comp) and are then angry that the insurer didn’t give you something you hadn’t paid for?

[@petesmitt]

@@nuttycommuter3718 exactly; his story was fine apart from expecting his insurer to get involved.

[@ferrumignis]

​@@nuttycommuter3718Why shouldn't he be angry that the drunk driver's insurance have been absolute twunts?

[@nuttycommuter3718]

@@ferrumignis under the Road Traffic Act, the insurers of a drunk driver don’t have to pay anything until there’s a CCJ so if they paid out without the need to go to Court then that is better than they needed to. People want cheaper premiums, but then moan when insurers negotiate claims. You can’t have it both ways

[@AsifSiraj]

When i worked for a insurance company we were told years ago that if you were involved in an accident even though it is non fault your are more likely to be involved in an accident going forward i can't remember the % it was 15 to 21 % so on that basis your premium would go up to reflect this.

[@martinjames9250]

Motor insurance in this country is a racket. A government backed racket. No question. An example not covered in your video.... A few years ago (maybe three) a woman coming in the opposite direction in a single track lane refused to give way by reversing. This IN SPITE of the right of way being mine as I was the vehicle going up hill. A queue soon built up and another driver explained this to the crazy bint (er, I mean 'woman') and she eventually had to reverse three car lengths to a passing place so that I could proceed with my car and trailer. With me so far? Well she must have reported the (non) incident to her insurance company because according to their database some sort of claim was made and I am duty bound to acknowledge it, raising my premiums. There was NO collision, NO damage to private or public property and obviously NO injuries to anyone involved. You work THAT one out !!!

[@colinscutt5104]

is that fraud that the bint has commited then ?

[@TheRealDrJoey]

All insurance is a racket. Health "insurance" is the worst. It doesn't insure your health, it just insures that the hospital gets paid for their $35.00 Advil pills. Health 'insurance' is the very REASON medical costs have gone to Jupiter.

[@martinjames9250]

@@colinscutt5104 Gawd knows! Makes no sense to me. How could she gain by doing that?

[@JazzFunique]

She gains by making your life miserable. What an outrage. Didn’t know this country’s insurance company situation was that severe/literally broken/non functioning

[@martinjames9250]

@@JazzFunique Haha! She doesn't make my life miserable! She's an idiot because I imagine her insurance costs are much higher than mine. ---- It's the insurance companies that are twisted and it wont change because, as I say, it's a government backed racket. The government (any government) make billions on insurance taxes. It's morally wrong but we're stuck with it.

[@SpacePilotJohnLee]

It's basically "wrong place, wrong time" tax! About 10 years ago I had parked my 300ZX in a carpark and came back to see a large Elgrand reversing out of a space then start to drive off. When they saw me walking towards the car they sped off screeching out of the junction narrowly missing a car. On checking my car it had some damage to the bumper (I think the parking sensors had missed the front of the car with it being so low and they bumped it). I spoke to my insurance company to notify them and they reached out to the council who advised there was camera footage, but it was "too grainy to make out the number plate". I told my insurance company I didn't want to pursue the claim on my own insurance. Fast forward a few months and on taking out a new policy on my main car I was told the system was showing that I had made a claim in the past 3 years, which I had not. I'm not sure if it is still the same, but it turned out both insurance companies told me that if you report an accident it goes down as a claim on your policy, even if you don't make a claim!

[@beatglauser9444]

I can tell you that this damage would cost 1000£ for sure in Switzerland. If you can get it fixed for 600£ you are lucky. I was standing at a red light in Italy. An idiot who had a car for 24 hours hit the rear ofmy big van and caused a damage of about 2500£. I waited nearly half a year, nobody paid for the damage. My insurance and myself tried many times to settle the case. Then I had to involve a lawyer and even he needed many attempts until the inurance of the guy finally accepted that they had to pay. At the end they did. They had also tried the: "Let our body shop fix it" trick. The car had been repaired many months before after a professional apraiser had inspected the damage. And as a former body shop employee I fixed most myself. Only the paintjob on the rear bumper was made by someone else. Some insurances try every trick possible to escape their responsability. To make matters worse, I had been a good customer of this very same insurance for many years until I had finally realized that they were much to expensive.

[@petergoody7582]

Just heard of a young guy, works with me, passed his test, bought a VW Polo 1.2 and they charging him 5grand for insurance, the motor only worth 3.5 grand. Legalised extortion. How much does the government get in kickbacks. It's gotten out of control, we are all being ripped off by these greedy thieves, our system is ridiculous.

[@derekammo]

Here's one I was told by my INS co "premiums have substantially increased due to inflation, increased parts and labor costs, and more claims by other people, increasing our costs, which we gladly pass to you to cover our costs. Thank you for your business." Never had a claim, yet price goes up.

[@tinybartini]

mine told me in writing that the cost of premium has gone up because of rising prices of materials used for repairs, due to "shortage" of everything bla bla bla, war in Ukraine and that they have not put the prices up for a long period of time (read year before), no claims in past 5 years at least

[@nuttycommuter3718]

@@tinybartiniand what about claims by people with the same postcode as you? Or same job type? Or same e-mail domain or same place they store their car or same any one of the hundreds of rating factors. Have their claim costs increased?

[@GrantSBrown]

I've had 4 non fault claims since 2012. One claim made no difference to my insurance but two in the same 5 year period did. I have never lost no claims bones and I always go though the third party insurance company as I have a camera on my helmet, sent them the footage and I get a phone call in a matter of hours. I never use my own insurance company, the first claim I did use them and when I went to renew my insurance they listed it as a fault claim because it hadn't been settled yet. Luckily the third party insurer wrote me a nice letter explaining that it was definitely there fault and I was completely innocent of any fault. Delayed my insurance by over a week.

[@wolvoman1]

A bit like a complete stranger coming up to you in the street punching you in the face and you get charged with assault.

[@blisterbrain]

Clearly, the face is responsible for getting in the way of the fist.

[@williamrae9954]

Been there...got charged and fined for the privilege of being assaulted, by the family member of a man who just went down for a cold case murder! A family of vermin!

[@fastmart]

Choose your streets that you walk, risk mitigation, this has never happened to me

[@theyjustwantyourmoney4539]

The punching scenario actually happens in real life, this world is fkkd up

[@nuttycommuter3718]

@@fastmart that’s exactly it. By rating on non-fault collisions, the insurance companies are refining the risk someone presents and therefore the resultant premium

[@bartmolendijk4628]

Because the insurrance of your car is a must to be on the road, alas the insurrance companies can do what they want. There is no alternative. Which i understand but business model of insurrance companies is badly regulated, in holland and same gor UK as i understand. In Holland a lot of ex-politicians end up at huge insurrance companies, so those companies have a lot of lobby power, i am afraid this situation is here to stay. Just have no accidents and pay the monthly fee. It sucks big time

[@JohnJoannou-xq5rq]

Insurance companies= "Licence to print money!"

[@RichardHartley65]

Take a look at insurance companies’ profitability from underwriting motor insurance.

[@LesAnderson-n7d]

I think you mean , ‘ licence to STEAL money .

[@adlam97531]

I worked in a dealer, and we looked after a large fleet of vehicles for a company. They paid for any body work repairs directly and even arranged for the third-party vehicle to be repaired if it was damaged. They rarely made a claim, as previously they found themselves not being able to get insurance from any company due to the number of claims they made per year. They still paid a hefty sum, but the insurance company was always quids in.

[@boboinc2956]

Another one with insurance is to make sure you check your documents; my policy was cancelled, and I was to be reported for fraudulent activity, what I had actually done was, I was one day out on the birthdate i.e. put the 28th as opposed to the 29th, the policy was cancelled my premium went up by £500 whilst I agree to the letter of the law I was at fault but there was no actual financial gain on this oversight. I actually managed to go through a broker who explained the situation to the underwriters and I actually ended up with a cheaper insurance premium

[@adamedghill]

A car got run off the road and into my parked car on my driveway, because the third car was a hit and run the third party couldn’t claim off them, so my insurance class it as a fault claim and affected my no claim bonus. Crazy. My insurance was Hastings Direct who on their website state they offer uninsured driver protection…

[@paulriggers1558]

my car was parked in a company car parking space. a 13 car transporter reversed over the pavement + clobbered my car, then tried to drive off, but i saw him out the window, stopped him, he admitted liability + he got a claim form for me out of his truck. this claim [which took 4 months to sort] is now recorded on my history, seemingly it was my fault to park in a car park where HGV trucks are banned from entering, after paying the extra premium for travel to + from work, + parking in a car park...

[@derekwilkinson3259]

I took out a new motorcycle insurance having had no accidents and with full no claims discount. Two weeks later had a letter from them saying they were increasing my premium "because of my undisclosed accident". Turns out they were referring to a non-fault accident in my car, when my son was driving! I asked them how a non-fault incident involving a different vehicle and driver bears any relevance to the 'risk' of me riding my motorcycle, and they couldn't answer. On appeal / complaint, they were forced to agree, and did not impose the increase.

[@manin10]

I have 11 cars. They range from seventies classics to a modern Skoda fabia. Most are all classic cars I've completely rebuilt over the years. I can't afford to have them all on the road at the same time, so what I normally do is I'll pick out two cars I will insure along with my daily runabout which is the Skoda fabia diesel. So I have three insurance policies going at once. If I want to take one of the cars that's not insured to say a car show i'll do day cover on it. I have never made a claim since 1988 when I started driving. My issue with the insurance companies is that when I get the insurance I have to tell them if I had made a claim in the last 5 years. I have to do this for each insurance policy. My no claims bonus is unique to each policy yet if I ever did make a claim it would affect all three policies. My other issue is the no claims protection. I have never had this because in my opinion it's useless. With no claims protection if you have an accident, you will still have the same percentage no claim you had before the accident, but when you actually check your renewal you'll find that the premium has increased. Insurance companies have become a complete scam.

[@scootjohn777]

I had a motorcycle stolen and recovered it myself and didn’t claim a penny but my insurance went up because I’d reported it to the insurance before cancelling the claim. What a tip off.

[@kevinpower5880]

This happened to my wife when a car jumped a red light and totalled her car. Not only did she lose no claims and had a raised premium (even though full recovery was made from the third party). Her premium was raised because she was seen as a greater risk even though she did nothing wrong. Not only that but as she is named on my insurance for my car my premium was also increased next time I renewed. Unbelievable.

[@captainbuggernut9565]

They are total robbers. This guy is lucky his mates Volvo wasn't written off. A claim of circa £600 on a £2k car, quite often gets written off. The amount for the write off as often as not is far less than you paid for it. QED, you don't claim, even when its not your fault.

[@neilpope2580]

2 weeks ago Sunday just gone, my wife's car was from stolen from outside our house between the hrs of 00.30 and 03.30 . it was recovered by the police but it was damaged, therefore recovered to a repairer, after 3 days it was cleared by SOCO, meaning that I could examine it, I am retired but was a panel beater for 48 yrs, therefore totally capable of making the decision that it was an uneconomical repair, insurance claim made, insurance confirm non repairable, insurance company pay out as per policy BUT it now goes through as a FAULT claim. No courtesy car over the 2 weeks and there will of course be an increase at the renewal date of the replacement car, that I have had to purchase. Reason given, no one the recover the cost cost from.. Not a happy bunny.

[@nuttycommuter3718]

Of course it was a fault claim. It was stolen. They’re always fault claims

[@neilpope2580]

@@nuttycommuter3718 of cause it was, doesn't make if right though, Dick Turpin at least wore a mask!

[@macbook9084]

As an important side note you are still legally bound to inform your insurance company of any accident (if its your fault/or other party) even if you decide to settle any claim privately without going through the insurance company/damage is minimum

[@bavelnaard]

Indeed outrageous, it's like telling any driver: "It's your fault for driving or even being there at that particular moment" . Sad but true reality

[@virtious8]

As a personal injury solicitor I can confirm this is correct. Even if you are 100% not at fault the fact you have been involved in an accident is recorded on your record. You are therefore deemed a higher risk and insurers will bump up your premium as a consequence. And don’t get me started on injury claims, you can’t argue about a dent in your car but insurers will say you are lying about your injuries and refuse any payout!

[@davyboy888]

I've news for you Jack... it's even worse than that. Even if no claim at all is made and you've been involved in an accident [fault or no fault] you need to disclose that to your insurer who will see you as an increased risk and up your premium at renewal !

[@nuttycommuter3718]

Or you could not tell them and commit insurance fraud and be barred from financial services for six year

[@davyboy888]

@@nuttycommuter3718 Exactly. It's heads they win, tails you lose !

[@RB-lt8kt]

Happened to me several years ago. I was sat in early morning traffic when a Mazda 3 reversed off his drive and hit my passenger door. He denied doing it and drove around me. Another kind driver stated he witnessed the accident and gave me his details. I had to report the accident to the Police because it happened on a public road. The Police interviewed the other driver who said he didn't hit my car. The damage was slight but when the car was inspected the reinforcing / safety support in the door was damaged. The whole door was replaced and the car needed a lot of respraying as it was black. His insurance LV was a nightmare to deal with until I produced the witness details and they were suddenly very nice and eventually paid out in full. I was honest and didn't claim personal injury like so many drivers do when not hurt. My insurance company did support me but did state at the beginning that if there hadn't been a witness then the claim would go against me. My car now has 2 dash cams.

[@bryanshaw2243]

Hey Jack, I got hit in the back at a roundabout last year and never went near the insurance as i have three cars and all of the insurances would go up. Insurance is a total joke!

[@TheAl2kas]

How are people not in open rebellion against stuff like this in England is beyond my comprehension. Indeed, you have to pay everyone and you get nearly nothing for it!

[@brianiswrong]

I wanted to cancel my car insurance (we sold the car as we didn't need it) I had paid the premium up front in 1 hit, I had 5 months insurance left on the policy. Spoke to them (aviva) and was sort of expecting some money back, what I actually was told was. To cancel the insurance policy incurs a penalty payment, so I would need to pay them £86 to cancel the policy😮😮😮 I told them that's daft, they have no further liability or risk. In the end I told them to let the policy run, but had I known this I would have " accidently hit a post and done a few quids damage (fully protected no claims and due to my wife getting a motability car,and my company van) I won't be insuring myself for the forseable future. And insurance companies wonder why we don't trust them.

[@ColinCarFan]

I was told by an insurer that it is not a good idea to let the insurance run after you sell/transfer/dispose a car (though this was actually a motorbike). If the new driver does not insure it and a claim has to be made, the other party's insurers will see that it is insured in your name and claim on your insurers so it goes on your record.

[@Interich]

I was envolver in a severe accident last year. My car was a write off I had to spend a few days in hospital. In my policy I had two cars, one that I was using as a daily vehicle and another one as a weekend car. Two months after the accident was renewal time, my premium for the weekend car went from 300 to 800£, I was upset, filed a complaint to which my insurance came back to me willing to change from 800£ to 500£ because I was a loyal customer.. to which I said to them, if I was a loyal customer then why was I now been given that price before filing a complaint to them? Is almost renewal time again, not looking forward to see the price. Also my accident hasn’t been resolved, the other party insurance took 5 months to assume 100% fault with dashcam videos front and back. Still recovering from the accident that made some changes on how I live my life and yet they try to get away from it.

[@tonysheehan7766]

I think that most people are under the misapprehension that if you behave reasonably and honestly, you'll be treated reasonably and honestly. Unfortunately that's not the way things operate in this day and age: your insurer is there to punish you and squeeze you until the pips squeak- just like your utilities provider or your local council or your vet, etc, etc

[@robertyoung1777]

Beautiful scenic view for a not so beautiful situation. I wouldn’t want to opt out of filing an insurance claim if, for example, the parties involved or some other party were to seek damages later on “down the road” so to speak. That’s my opinion and not meant to be advice of any kind. I would want closure in a situation like this.

[@Christopher_S]

I've always said that insurance companies are legalised gangsters. They're loan sharks with a licence. With it being legally mandatory for us to have insurance, is it any wonder why those companies get away with what they do. The insurance database they all share "for fraud" purposes, is more used for profit than anything. I detest them all.

[@sleekitwan]

I had a guy accidentally stove my rear side window in with a shovel. It came to him saying i could claim and he’d pay the excess…i told him my issue would be the next time or come appraisal at the end of my insurance year. Beware. I claimed directly to his employer who tried to shut it down when there was just a little piece of trim to fit…I got back to him saying the little bit of trim cost £300 to remove and replace, it’s glued on.

[@stuc6787]

Not to mention the cosy and expensive arrangements with garages, recovery agents, salvage operators, accident management companies, personal injury solicitors, etc. Add in the nonsense that you can only have NCD on one vehicle, you can drive someone else's car 3rd party, so fully legal, but only if that car is covered on its own policy as well. Absolute rip off industry.

[@davidfoster3814]

I’ve had the NCD only on one vehicle line ( from Adrian Flux) . Never understood that . As far as I know I can only drive one vehicle at a time !

[@Jenny_Digital]

My good friend Elaine got clobbered by just the same from her insurance, and not by a small amount either. They tried tripling her renewal! The hate is now so strong it’s getting in the way of me riding my motorcycle ever again, and it’s not even something I was personally involved in!

[@googoogjoobgoogoogjoob]

For the years post-Compare-the-market, insurance companies have taken a bit of a spanking, since it makes financial sense to change your policy each year for the cheapest. So these sorts of insurance Co scams will continue as they claw back their profits.

[@davebloodstone3922]

2 points - (1) If you dont notify your insurance company because its not worth doing so, you're in breach of your insurance and it becomes invalid (2) my late mother-in-law contacted her home insurance a couples of times to check if a ceiling crack was covered under her policy and they logged both as a "claim" even though it wasnt covered and then loaded her policy at renewal for having 2 "claims" in 1 year

[@djwwautodiagnostics]

Rules are simple in the UK. There's only 1. Don't have a crash. And if you do fix it yourself

[@edward_grabczewski]

This explains an incident ten years ago when some accused me of damaging their car, which I hadn't, and I phone my insurance company in advance to let them know that it was a false allegation. At renewal time I found my insurance had increased even though no claim had been made that year. I was told it was because I'd rang them to warn them about the potential claim!

[@acjdf]

I look forward to Part 2: 'How to deal with it'.