Recommended insurer - 7 claims

Riko0073

Riko0073

Registered User
Joined
Nov 1, 2016
Messages
1,324
Reaction score
1,153
Points
113
Hi All

My car insurance policy is due soon and I’m struggling to get any decent quotes or quoted at all due to having 7 claims in last 5 years.

Sounds worse than it is as 5 are windscreen claims and was blighted by flying stones! 1 was a non fault claim and other my fault due to car rolling into the back of a Land Rover, no damage to their vehicle as their tow bar saved that but not the damage to my old car.

So all quote sites you have to declare all claims including windscreen and all I’ve come across so far once you get through the usual Compare The Market etc decline to quote once I’ve updated the 7 claims!

My current insurer is obviously quoting but over £1k.

I’m 44, no convictions and 11 yrs NCB (always protected), living in Norfolk with vehicle parked on drive.

Any recommendations for an insurer that will understand and see I’m not high risk based on the 7 claims historically?

Thanks in advance.
 
I don’t know if I’m supposed to, but I’ve never declared any windscreen claims. Asked an insurer about it five or so years ago and they said they didn’t care about them so I’ve not bothered since then...


Sent from my iPhone using Tapatalk
 
  • Like
Reactions: Thundercliffe81 and Riko0073
Daggerit said:
I don’t know if I’m supposed to, but I’ve never declared any windscreen claims. Asked an insurer about it five or so years ago and they said they didn’t care about them so I’ve not bothered since then...


Sent from my iPhone using Tapatalk[/QUOTE

Thought did cross my mind but too risky in my opinion as it’s pretty clear when you declare on line, seems they’re just getting more ruthless to bump up our premiums!
Click to expand...
 
Yeah shop around the big insurers, or at least go direct, as like @Daggerit said some insurers don’t care about windscreen claims!
IIRC Aviva don’t, but I could be wrong! Also if you have time and do enough miles, try using the Aviva Drive app, as that actually gives you a good discount for ‘safe’ driving or at least it did a few years ago when it first came out.


Sent from my iPhone using Tapatalk
 
I’ve just done a quick Google and found this from Direct Line. It doesn’t actually state their policy it doesn’t look like, but shows that it depends on the individual insurers.

Aviva didn’t charge me for my Milltek system at all so I can imagine they wouldn’t be too bothered about the windscreens. That’s just an assumption though!


Sent from my iPhone using Tapatalk
 
Thanks guys, think I’ll do some tuning around next week and hopefully speak to an insurer that doesn’t care about the windscreen claims.

I’m just worried that by submitting on line they could come back dispute and future claim because I wasn’t completely honest with the claims, if it’s over the phone and they state it’s not needed then I should be ok as it’s recorded and therefore their error.
 
Riko0073 said:
Thanks guys, think I’ll do some tuning around next week and hopefully speak to an insurer that doesn’t care about the windscreen claims.

I’m just worried that by submitting on line they could come back dispute and future claim because I wasn’t completely honest with the claims, if it’s over the phone and they state it’s not needed then I should be ok as it’s recorded and therefore their error.
Click to expand...

That’s a good way of doing it I’d say. And I’ll have to bear that in mind if I get another windscreen claim!


Sent from my iPhone using Tapatalk
 
  • Like
Reactions: Riko0073
Riko0073 said:
Hi All

My car insurance policy is due soon and I’m struggling to get any decent quotes or quoted at all due to having 7 claims in last 5 years.

Sounds worse than it is as 5 are windscreen claims and was blighted by flying stones! 1 was a non fault claim and other my fault due to car rolling into the back of a Land Rover, no damage to their vehicle as their tow bar saved that but not the damage to my old car.

So all quote sites you have to declare all claims including windscreen and all I’ve come across so far once you get through the usual Compare The Market etc decline to quote once I’ve updated the 7 claims!

My current insurer is obviously quoting but over £1k.

I’m 44, no convictions and 11 yrs NCB (always protected), living in Norfolk with vehicle parked on drive.

Any recommendations for an insurer that will understand and see I’m not high risk based on the 7 claims historically?

Thanks in advance.
Click to expand...
Have you tried hastings ??

Sent from my SM-G950F using Tapatalk
 
  • Like
Reactions: Riko0073
As above, I've never put windscreen claims down when getting quotes.
I've been with Direct line for years and they say glass claims do not affect you policy (unless you have too many in a year)
So I've never declared, besides I'm always paranoid about those comparison sites that once you've put info in they retain it.

I use to work with a guy that put the wrong code in for a traffic offence as drunk driving then all other quotes he had flagged it. He had to write to get it removed from insurance database
 
  • Like
Reactions: Riko0073
Keef said:
As above, I've never put windscreen claims down when getting quotes.
I've been with Direct line for years and they say glass claims do not affect you policy (unless you have too many in a year)
So I've never declared, besides I'm always paranoid about those comparison sites that once you've put info in they retain it.

I use to work with a guy that put the wrong code in for a traffic offence as drunk driving then all other quotes he had flagged it. He had to write to get it removed from insurance database
Click to expand...


I no longer use them (comparison sites) as like you say they keep your information. I’ve had it with myself and my partners car insurance. I asked for a quote with the car in my name (didn’t see the box to change the ownership) went to take the insurance out, noticed the obvious error before taking the policy so went back and changed it. Fast forward 2 months I had Hastings (who I had been with for 5 years) demanding £200 as they didn’t believe my partner owned the car as my first quote said I owned it. I moved immediately to direct line.

Another Hastings and confused quote was my partner put that she drives 10,000 a year.. after speaking to me I told her she’ll be lucky to drive half that, amended the quote.. 2 months on Hastings demanding close to £400 as again, did not believe the 2nd quote, had to follow the complaints proceedure to get them to use some common sense. Obviously won’t be renewing that policy with them in a few months.

Back on topic.. all depends on the insurer as to put glass claims down, I’ve heard good things about our local independent insurerance broker, you could see who’s about in your area and they would no doubt be able to help.
 
  • Like
Reactions: Riko0073
Agree with TC18 try an independent insurance broker, they should know the market & the terms & conditions each insurer work to.
 
Just done a quick on line quote with Admiral who only ask for last 3 years claims so that knocked 2 old claims off and has reduced my annual premium down by £300 so much better.

There’s nowhere on these quote tools that ask about dash cams, is it worth calling them to advise I have one and does it make much difference on premiums these days?
 
When I had a car insured with Hastings I found out that they are only brokers and the policy they'd put me with meant I couldn't insure my new A3 with them. Personally I'd avoid them.
I've also just completed a online quote for my car and it came to £600, which is a little more than the £235 I usually pay..
 
Last edited:
  • Like
Reactions: Riko0073
Daggerit said:
I don’t know if I’m supposed to, but I’ve never declared any windscreen claims. Asked an insurer about it five or so years ago and they said they didn’t care about them so I’ve not bothered since then...


Sent from my iPhone using Tapatalk
Click to expand...
I'd be very careful mate, you have to declare ALL claims within the timescales denoted by the insurance provided.
I know of a lady who did not declare windscreen claims, her insurer stated "although glass claims do not affect premiums, ALL claims in the last 5 years must be declared and as you have not declared past claims that occurred in the last 5 years your claim is rejected".
Needless to say she learnt the expensive way, (18 month old Cooper S wright off).
 
  • Like
Reactions: Riko0073
Jcbmally said:
I'd be very careful mate, you have to declare ALL claims within the timescales denoted by the insurance provided.
I know of a lady who did not declare windscreen claims, her insurer stated "although glass claims do not affect premiums, ALL claims in the last 5 years must be declared and as you have not declared past claims that occurred in the last 5 years your claim is rejected".
Needless to say she learnt the expensive way, (18 month old Cooper S wright off).
Click to expand...

Mine was over 5 years ago so I’m not bothered at the minute but it’s something I’ll be careful of in the future!

Seems silly to me though since it’s essentially a separate policy with different terms and excess and such.


Sent from my iPhone using Tapatalk
 
  • Like
Reactions: Jcbmally and Spaceman_RS3
audi upgrades
Seriously declaring windscreens as a fault claim? Or do they have a separate section? There’s no way you should be declaring them as a claim .
Surely your shooting yourself in the foot ave never once been asked by any insurer or comparison site to declare a windscreen claim.
 
  • Like
Reactions: Daggerit
Comparison sites can knock your credit rating too. I found I had 24 searches on my credit report after I went though this compare the meerkat process... and 1 year later, most automatically do it again and another 20+ searches. Not a problem for me, but ohers might need to be aware ...
 
Spaceman_RS3 said:
Seriously declaring windscreens as a fault claim? Or do they have a separate section? There’s no way you should be declaring them as a claim .
Surely your shooting yourself in the foot ave never once been asked by any insurer or comparison site to declare a windscreen claim.
Click to expand...
Every comparison site and quote tool I’ve used always has the option of declaring windscreen claims, sometimes listed under other.

It then gets sneaky however...as although I declared my 7 claims via MoneySupermarket and Compare The Market sites and they bring up some competitive quotes, when you then click into the main insurers sites they only pull through 5 claims (in random order) so have to manually input any missing, this then either declines the quote or pushed premium way up!! Very sneaky as I bet if I didn’t notice this and needed to claim they would decline it as my claims history was incorrect!
 
  • Like
Reactions: Jcbmally
audi upgrades
Spaceman_RS3 said:
Seriously declaring windscreens as a fault claim? Or do they have a separate section? There’s no way you should be declaring them as a claim .
Surely your shooting yourself in the foot ave never once been asked by any insurer or comparison site to declare a windscreen claim.
Click to expand...

I totally agree it’s ridiculous...

That said, if it turns out insurers need it, I guess I’d rather mention it than have them not pay out on a £60k car!


Sent from my iPhone using Tapatalk
 
  • Like
Reactions: Jcbmally and Riko0073
Daggerit said:
I totally agree it’s ridiculous...

That said, if it turns out insurers need it, I guess I’d rather mention it than have them not pay out on a £60k car!


Sent from my iPhone using Tapatalk
Click to expand...
Totally agree, I’m not going to risk it to save a few hundred quid, however I also agree windscreen claims should not be given the same level of risk compared to at fault accidents.

Hopefully no rogue flying stones this year for me and I should see my premiums reduce to an acceptable level next year.
 
Riko0073 said:
Totally agree, I’m not going to risk it to save a few hundred quid, however I also agree windscreen claims should not be given the same level of risk compared to at fault accidents.

Hopefully no rogue flying stones this year for me and I should see my premiums reduce to an acceptable level next year.
Click to expand...

Yeah, I don’t think there should be any risk at all to it personally. A stone can get kicked up anywhere so it’s not even based on roads travelled or anything like that. Just annoys me more than anything as it seems to be just another way to get more money out of us that actually insure our cars and declare things correctly...

If illegal and intentionally uninsured drivers had to pay the money ‘lost’ by insurance companies due to them then it might help. Rather than the usual slap on the wrist.

Rant over.


Sent from my iPhone using Tapatalk
 
  • Like
Reactions: Riko0073
Nham68 said:
Comparison sites can knock your credit rating too. I found I had 24 searches on my credit report after I went though this compare the meerkat process... and 1 year later, most automatically do it again and another 20+ searches. Not a problem for me, but ohers might need to be aware ...
Click to expand...

Them searches are slightly different to a search a lender would carry out. They are called “soft searches” and are for a company just to check if you live at the address and you are the person you say you are. They shouldn’t have any affect on your credit score and lenders cannot see them.

I will add that in some cases some insurance companies will do a “hard search” if you follow through and take the policy IF you pay by direct debit as this would be seen as a loan. However I’ve always paid by Direct Debit and I’ve never had that (hard) search or record on my credit file.
 
  • Like
Reactions: Riko0073 and Daggerit
Windscreen claims, alloy wheel claims etc, although they may or may not affect quotes but I would advise you to always declare them. A claim is a claim and as stated previously my mate found out the hard way. I always declare all past claims and the insurer usually informs me whether they are relevant or not. Like you guys I wouldn't take the chance of getting the dreaded phrase "ALL claims in the last 5 years must be declared and as you have not declared these your current claim is rejected" just to save a few quid.
But as always, you pays your money and you takes your choice. :respekt:
 
  • Like
Reactions: Daggerit and Riko0073
Nham68 said:
Comparison sites can knock your credit rating too. I found I had 24 searches on my credit report after I went though this compare the meerkat process... and 1 year later, most automatically do it again and another 20+ searches. Not a problem for me, but ohers might need to be aware ...
Click to expand...
That's why I never use any personal information such as my real name and a legitimate email address, I can't be traced that way. Obliviously I use my correct dob and driving information but never my real home address.
The quote will still be accurate and if I chose them then I can redo the quote using the correct information.
 
I'd use the comparison sites to get the quotes (excluding the windscreen claims) to establish who you want to use, and then call them directly to arrange the cover whilst then declaring the windscreen claims. At that point they'll know about all claims and you'll then see if the premium changes.
 
  • Like
Reactions: Jcbmally
Riko0073 said:
Just done a quick on line quote with Admiral who only ask for last 3 years claims so that knocked 2 old claims off and has reduced my annual premium down by £300 so much better.

There’s nowhere on these quote tools that ask about dash cams, is it worth calling them to advise I have one and does it make much difference on premiums these days?
Click to expand...

I don't have a dashcam but if I got one I wouldn't tell my insurance company, because:

a) There then might be an expectation that footage is available. If there isn't (camera broke, card was faulty etc), then I wouldn't trust them to try and avoid paying if it's in the policy that a camera is installed - especially if a discount was given for having one.

b) If it did happen to be my fault, I'd probably rather there not be evidence of it that I'm forced into submitting!

I'd rather have it in reserve as the ace up my sleeve.
 
  • Like
Reactions: Syed Shah, Jcbmally, Riko0073 and 1 other person
NeilHD said:
I don't have a dashcam but if I got one I wouldn't tell my insurance company, because:

a) There then might be an expectation that footage is available. If there isn't (camera broke, card was faulty etc), then I wouldn't trust them to try and avoid paying if it's in the policy that a camera is installed - especially if a discount was given for having one.

b) If it did happen to be my fault, I'd probably rather there not be evidence of it that I'm forced into submitting!

I'd rather have it in reserve as the ace up my sleeve.
Click to expand...

Totally agree with you for this! If you maybe got a bit of a discount by declaring it, I doubt it would be worth the hassle to be honest.
 
  • Like
Reactions: Jcbmally and Riko0073
NeilHD said:
I don't have a dashcam but if I got one I wouldn't tell my insurance company, because:

a) There then might be an expectation that footage is available. If there isn't (camera broke, card was faulty etc), then I wouldn't trust them to try and avoid paying if it's in the policy that a camera is installed - especially if a discount was given for having one.

b) If it did happen to be my fault, I'd probably rather there not be evidence of it that I'm forced into submitting!

I'd rather have it in reserve as the ace up my sleeve.
Click to expand...
As @Daggerit said.

Same thing applies to declaring things like your alarm and window locks for home insurance; trivial discount v loads of pain because you forgot to lock a window or put the alarm on. I honestly think these "discounts" are actually there to give insurers another "get out" clause, rather than to give consumers better value for money.
 
  • Like
Reactions: NeilHD, Riko0073 and Daggerit
NeilHD said:
I don't have a dashcam but if I got one I wouldn't tell my insurance company, because:

a) There then might be an expectation that footage is available. If there isn't (camera broke, card was faulty etc), then I wouldn't trust them to try and avoid paying if it's in the policy that a camera is installed - especially if a discount was given for having one.

b) If it did happen to be my fault, I'd probably rather there not be evidence of it that I'm forced into submitting!

I'd rather have it in reserve as the ace up my sleeve.
Click to expand...
Yes agreed...I’ll keep quiet on that one then :kissingclosed:
 
So called Adrian Flux and when it came to the number of claims in the last 5 years they didn’t want to know about the windscreen claims.

I made it very clear on the call I had made 5 in the last 5 years so feel I’m covered if this ever came into dispute as the call would be recorded.

Got a lower quote following the last competitive quote and now £340 cheaper than my current renewal.

I’m expecting better quotes next year when other claims will drop off the 5 year period....well fingers crossed anyway!

Cheers for all the advice guys.
 
  • Like
Reactions: scotty76, Jcbmally, Happy Grumpz and 2 others
Riko0073 said:
So called Adrian Flux and when it came to the number of claims in the last 5 years they didn’t want to know about the windscreen claims.

I made it very clear on the call I had made 5 in the last 5 years so feel I’m covered if this ever came into dispute as the call would be recorded.

Got a lower quote following the last competitive quote and now £340 cheaper than my current renewal.

I’m expecting better quotes next year when other claims will drop off the 5 year period....well fingers crossed anyway!

Cheers for all the advice guys.
Click to expand...
Another positive outcome mate, first was getting your cool ride, second, getting a descent quote.
 
  • Like
Reactions: Riko0073
This does not surprise me - after all retailers have been caught doing the same thing based on the browser you are using! With your ‘digital footprint’ being so vast, I expect there are many other things that do, or will come into the factor of your car insurance in the future, like who your Facebook or twitter followers are, the sort of material you post or products you use. Heck who knows how anonymous all that data Google collect about your location history truely is to those willing to pay for it!

If you’ve nothing to hide and all that...
 
They'd find it difficult with me as I am only too aware of the security implications of fb, twitter and location identity.
My partner uses hotmail, never had one accident in the 46 year she's been driving so it would be disappointing if she was given a higher premium just for her email provider...
 
Riko0073 said:
So called Adrian Flux and when it came to the number of claims in the last 5 years they didn’t want to know about the windscreen claims.

I made it very clear on the call I had made 5 in the last 5 years so feel I’m covered if this ever came into dispute as the call would be recorded.

Got a lower quote following the last competitive quote and now £340 cheaper than my current renewal.

I’m expecting better quotes next year when other claims will drop off the 5 year period....well fingers crossed anyway!

Cheers for all the advice guys.
Click to expand...
Hi,
Glad we could help out.
Regards,
Dan.
 
  • Like
Reactions: Riko0073
You must log in or register to reply here.

Similar threads

M
Android auto communication error 7
Replies
6
Views
3K
Marino85
M
R
DL382 7 Speed Transmission
Replies
0
Views
3K
richardshoes
R
S.line
Auto connecting to phones hotspot iPhone 7
Replies
1
Views
2K
maui
maui
cuke2u
Recommended Wiper Blades...
Replies
30
Views
5K
rasA4
rasA4
J
End of Warranty Check - common warranty claims
Replies
13
Views
3K
cuke2u
cuke2u
Top
Back