S
stripy
Guest
Hi everyone,
I just got my renewal for my insurance last week and I wondered why it has gone up by about 500 euros from last year. I presumed it was a mistake and contacted my broker to see what was the story and where was my slip of paper with the NCB on it. They told me I had lost my 2 years NCB as there had been a claim put through on my policy in January this year.
I was not told about this at the time as apparently Axa are not obliged to inform me if there is a claim put through on my account.??
But the odd thing is, last year my premium was 800, then in March this year I passed my test and I now hold a Full licence. I rang Axa and sent them in a copy of my competency test and later on a copy of my full licence, and they sent me out a refund of €140. Meaning my premium had come down to €660. So I wonder why did they refund me that money when they knew since January that they payed out to the third party's insurance co €1300????
Anyway, I had rang my insurance company in December last year to advise them about a small accident I had with another car. I tipped into the side of the other drivers car (a dent about the size of a deck of cards). We swapped mobile numbers and she said not to worry that we'd sort it out without using the insurance companies so as not to loose our NCB. But I rang my insurance company just in case and admitted liability (silly of me, I know now). Anyway it turned out that our 'lady's agreement' between myself and the other driver meant nothing to her and she went behind my back and put a claim through. I had said I'd pay for the damage to her car, in fact I should have just put my hand under the side of the car and popped the dent out... Anyway, thats the story of the claim. But what I really need is help on what insurance company to go to now?
I've rang several companies and they won't quote if I've had a claim.
Quinn have quoted me €1000, my current broker have quoted me €1300 with Axa, (who I certainly wont renew with again.) I'm absolutely ripping mad about the whole thing, but I guess we live and learn.
Can anyone recommend insurance companies to try?
I just got my renewal for my insurance last week and I wondered why it has gone up by about 500 euros from last year. I presumed it was a mistake and contacted my broker to see what was the story and where was my slip of paper with the NCB on it. They told me I had lost my 2 years NCB as there had been a claim put through on my policy in January this year.
I was not told about this at the time as apparently Axa are not obliged to inform me if there is a claim put through on my account.??
But the odd thing is, last year my premium was 800, then in March this year I passed my test and I now hold a Full licence. I rang Axa and sent them in a copy of my competency test and later on a copy of my full licence, and they sent me out a refund of €140. Meaning my premium had come down to €660. So I wonder why did they refund me that money when they knew since January that they payed out to the third party's insurance co €1300????
Anyway, I had rang my insurance company in December last year to advise them about a small accident I had with another car. I tipped into the side of the other drivers car (a dent about the size of a deck of cards). We swapped mobile numbers and she said not to worry that we'd sort it out without using the insurance companies so as not to loose our NCB. But I rang my insurance company just in case and admitted liability (silly of me, I know now). Anyway it turned out that our 'lady's agreement' between myself and the other driver meant nothing to her and she went behind my back and put a claim through. I had said I'd pay for the damage to her car, in fact I should have just put my hand under the side of the car and popped the dent out... Anyway, thats the story of the claim. But what I really need is help on what insurance company to go to now?
I've rang several companies and they won't quote if I've had a claim.
Quinn have quoted me €1000, my current broker have quoted me €1300 with Axa, (who I certainly wont renew with again.) I'm absolutely ripping mad about the whole thing, but I guess we live and learn.
Can anyone recommend insurance companies to try?
— a court case against my own insurer and the other party's, when they similarly 'settled' a claim — without any reference to myself, and to their mutual gain, needless to say!