doomie22
31st December 2009, 22:32
insurance in this country really is a pisstake isnt it
i'm 19, i live at home as a student
i dont use my car that much
but in the last year i've had 2 incidents, which i shal explain in a bit, neither of which were really my fault, one was circumstancial, and wouldnt have happened if the circumstances were different, the other was NOT my fault, but yet i am to blame aparantly
my insurance was 1292 for the year in january last year on my 306 phase 1 1.4 litre
then in march i changed to a 1.4 litre phase 2, which put it up about 500 quid, but i transfered a years no claims i had built up as a named driver on my grans polocy across and it cancled out all but about 30 quid of it, so i paid the 30 quid
then in september i changed to a corsa C SRi 1.4
it put my insurance up another 30 quid
which is fair enough
in june i had a crash
the circumstances were, i was on a side road, (well, the dirt track round the back of my house, its access to the back of the house where we park)
i came out, and there was a van parked to my left and another to my right, i couldnt see what was coming, i edged out for a good 3 minutes, an inch at a time, and couldnt hear anything, then from nowhere, wham, van comes past, and knocks my numberplate off, he pulls up on the other side of the street, gets out, starts shouting various obscenities at me (first time i'd had a crash, so i just sat there stunned) ...someone walking past picked my numberplate up and gave me it through the window
he then got in his van and fooked off
i thought that was the end of it, there was no damage to his van, and virtually nothing to my car, just a scrape on my numberplate, and a slight graze on the front of the bumper which i polished out later with some tesco value bumper shine
either way, some guy rang me later (how the hell he got my mobile number i do not know, as i did not exchange any details with the guy, didnt get a word in edgeways tbh) claiming he was the owner of the van, but not the driver at the time
so we swapped details over the phone,
4 - 5 weeks later i get a letter through the post from AMV law saying that he is sueing me for whiplash and loss of business, for the sum of aprox 2500, i did tell my insurance company he got out of the van and shouted stuff at me, but they said i was at fault, and they'd have to just pay him, i told them, no, fight it, so they are currently engaged in fighting it
next thing to happen, july, my idiot of a friend was sat on the windowcill of my car, with no seatbelt on, and a cop car behind me,
stupid pigs gave me 3 fooking points for it, not for that he wasnt wearing his seatbelt, but for CU50 Dangerous load, causing potential danger to driver and/or passanger
i see where he was coming from, but i had no ability to stop him exactly, i pulled over as soon as i realised what he was doing, but they still did me....arseholes
got 3 points and a 60 quid fine, and he got a 30 quid fine, he paid both fines, then bought me a new set of tyres, and gave me 100 quid to say sorry, so ...wasnt so bad...
next incident occoured in my corsa, in october just after i bought it, was in a que of traffic, where it was like this:
- - - - - - - - -
where the double spaced dash was the gap i was leaving
dashes refering to car
it was raining lightly, and i didnt know the car, had only had it a couple of days, he slammed on and i went into the back of him, because i slammed on and nothing happened, my 306 had abs, my corsa doesnt, and i didnt know it had terrible budget tyres on, and yeah
his car was a 08 plate mondao and the damage done, was a plastic piece of trim on the back bumper was popped out of place, and one single plastic clip was broken,
i got a letter through a few weeks ago about it, direct line settled the claim at 1100 quid, as they felt that was fair...
NO IT WASNT :n:
and then they have the cheek to give me a renewal price of 2550
so i rang around, did a few comparison sites, and everyone else wanted atleast 3k
i'm a poor student on 0 income, my gran offered to pay upto what it was last year (1292) but it looks like i'll have to hang up my keys for a year, i simply cant aford it
i'm 19, i live at home as a student
i dont use my car that much
but in the last year i've had 2 incidents, which i shal explain in a bit, neither of which were really my fault, one was circumstancial, and wouldnt have happened if the circumstances were different, the other was NOT my fault, but yet i am to blame aparantly
my insurance was 1292 for the year in january last year on my 306 phase 1 1.4 litre
then in march i changed to a 1.4 litre phase 2, which put it up about 500 quid, but i transfered a years no claims i had built up as a named driver on my grans polocy across and it cancled out all but about 30 quid of it, so i paid the 30 quid
then in september i changed to a corsa C SRi 1.4
it put my insurance up another 30 quid
which is fair enough
in june i had a crash
the circumstances were, i was on a side road, (well, the dirt track round the back of my house, its access to the back of the house where we park)
i came out, and there was a van parked to my left and another to my right, i couldnt see what was coming, i edged out for a good 3 minutes, an inch at a time, and couldnt hear anything, then from nowhere, wham, van comes past, and knocks my numberplate off, he pulls up on the other side of the street, gets out, starts shouting various obscenities at me (first time i'd had a crash, so i just sat there stunned) ...someone walking past picked my numberplate up and gave me it through the window
he then got in his van and fooked off
i thought that was the end of it, there was no damage to his van, and virtually nothing to my car, just a scrape on my numberplate, and a slight graze on the front of the bumper which i polished out later with some tesco value bumper shine
either way, some guy rang me later (how the hell he got my mobile number i do not know, as i did not exchange any details with the guy, didnt get a word in edgeways tbh) claiming he was the owner of the van, but not the driver at the time
so we swapped details over the phone,
4 - 5 weeks later i get a letter through the post from AMV law saying that he is sueing me for whiplash and loss of business, for the sum of aprox 2500, i did tell my insurance company he got out of the van and shouted stuff at me, but they said i was at fault, and they'd have to just pay him, i told them, no, fight it, so they are currently engaged in fighting it
next thing to happen, july, my idiot of a friend was sat on the windowcill of my car, with no seatbelt on, and a cop car behind me,
stupid pigs gave me 3 fooking points for it, not for that he wasnt wearing his seatbelt, but for CU50 Dangerous load, causing potential danger to driver and/or passanger
i see where he was coming from, but i had no ability to stop him exactly, i pulled over as soon as i realised what he was doing, but they still did me....arseholes
got 3 points and a 60 quid fine, and he got a 30 quid fine, he paid both fines, then bought me a new set of tyres, and gave me 100 quid to say sorry, so ...wasnt so bad...
next incident occoured in my corsa, in october just after i bought it, was in a que of traffic, where it was like this:
- - - - - - - - -
where the double spaced dash was the gap i was leaving
dashes refering to car
it was raining lightly, and i didnt know the car, had only had it a couple of days, he slammed on and i went into the back of him, because i slammed on and nothing happened, my 306 had abs, my corsa doesnt, and i didnt know it had terrible budget tyres on, and yeah
his car was a 08 plate mondao and the damage done, was a plastic piece of trim on the back bumper was popped out of place, and one single plastic clip was broken,
i got a letter through a few weeks ago about it, direct line settled the claim at 1100 quid, as they felt that was fair...
NO IT WASNT :n:
and then they have the cheek to give me a renewal price of 2550
so i rang around, did a few comparison sites, and everyone else wanted atleast 3k
i'm a poor student on 0 income, my gran offered to pay upto what it was last year (1292) but it looks like i'll have to hang up my keys for a year, i simply cant aford it