bcleugh
Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144
  
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| Insurance Question (Resolved) |
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Hi All
Just wanted to get your thoughts, I had a bump a couple of months ago, within this years insurance now they have sent me a renewed insurance document saying my insurance has gone up and i need to pay an extra £200. 
I expected a rise on my next insurance but not within this 12 months
Is this correct?
Has this happened to anyone else? D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark
Last edited by bcleugh on 10th Aug 2018 5:00 pm. Edited 1 time in total
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 4th Aug 2018 11:47 am |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
 
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Never heard of that before!  2014 D4 XS
2005 D3 SE - Gone
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| 4th Aug 2018 11:54 am |
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bcleugh
Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144
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me neither James
Awaiting the knowledge of this group before I give them a ring D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark
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| 4th Aug 2018 11:56 am |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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have you read your documentation to see if there is anything about mid term increases after an "incident" ? 2014 D4 XS
2005 D3 SE - Gone
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| 4th Aug 2018 12:15 pm |
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gje
Member Since: 09 Mar 2014
Location: world
Posts: 488
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I would have thought that a breach of contract ( unless its in the small print) if you paid in full for a years cover....at renewall yes I could see that but not mid term?
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| 4th Aug 2018 12:15 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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Is the extra as a result of a something which came to light following the accident, such as an undisclosed conviction or previous claim?
Have you not had a letter with the bill?
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| 4th Aug 2018 12:17 pm |
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Hardware
Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 13017
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Or undisclosed modification ? .
Dean
====================================
2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer  ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms
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| 4th Aug 2018 12:20 pm |
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Dillon
Member Since: 05 Jan 2018
Location: Brighton
Posts: 103
 
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Is it a compulsary excess for the claim?
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| 4th Aug 2018 12:47 pm |
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bcleugh
Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144
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thanks for the tips checking them now, letter does not make much sense the only difference is the addition of the claim. i paid all my excess to the garage when i picked it up D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark
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| 4th Aug 2018 1:34 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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Did this accident occur after you had received the lower renewal quote but before the actual renewal date?
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| 4th Aug 2018 6:03 pm |
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A-Plan Insurance
Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
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bcleugh if you are with us I can take a look for you, just pm me your name and postcode so I can pull up your policy details. If not then best speak to your insurers to see if they can look into it for you  Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
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| 6th Aug 2018 8:11 am |
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bcleugh
Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144
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Thanks all for the responses, APlan not with you maybe next year!
OK so mystery resolved, it was all down to a SP60 from last year which was discovered following my bump, I found this out following a call with the insurance company, but the plot thickens and may split opinion.
As was unhappy with this Im sure anyone would be, I asked why it had not been added when they quoted at renewal i was told it was my fault for not informing them, I said i was sure i had so they went off to listen to the recorded calls (3 in total), got a call back today to say I had not told them on the calls that I had a SP60 so the charge would stand
Now I am sure i would not of lied  so I asked if they had specifically asked me at renewal if i had acquired any speeding fines to which the answer was no  ,
If i have answered all the questions they asked truthfully and they had quoted me on these answers then why should i be charged an increase?
Anyway long story short the charge was wavered, so it was worth having the call and not just accepting the charge which they were going to direct debit from my account but that's a different story D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark
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| 10th Aug 2018 4:59 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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Well they failed to ask and you are certain you wouldn't have lied so...........
were you not aware you have to disclose such things
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| 10th Aug 2018 5:08 pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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did they ask you if any material facts had changed from your last renewal?
Well at least we know they do look in to things in our past 2014 D4 XS
2005 D3 SE - Gone
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| 10th Aug 2018 5:25 pm |
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