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insurance excess #70386
8th Sep 2004 11:20am
8th Sep 2004 11:20am
Joined: Dec 2003
Posts: 1,328
Wirral
Gary Offline OP
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Gary  Offline OP
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Joined: Dec 2003
Posts: 1,328
Wirral
right, for those that dont know i rolled into the back of a metro in a SLOW moving queue, all 5 people are claiming whiplash etc (how many seatbelts are in a metro)and i apparently wrote the car off although there is NO damage to mine! and i mean no damage not even a scratch! now i phoned up norwich union who were dead nice and said they will put the excess in the computer, 470, but i wont have to pay???? is that becuase im not claiming but some1 else is? im well confused!

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Re: insurance excess #70387
8th Sep 2004 11:44am
8th Sep 2004 11:44am
Joined: Nov 2003
Posts: 21,231
Wirral
Mark Online Reading

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Mark  Online Reading

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Posts: 21,231
Wirral
"is that becuase im not claiming but some1 else is?"

Pretty much so...

My advice is to ask that same question to your insurance people,
but then ask how this will effect my policy for the following year. (price increase if any).

Its a mine feild out there with insurance.

No clams protection.
No clams Bouns protection.
Excess protection..

Its crazy..

Let us know what they say Gary..


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Re: insurance excess #70388
8th Sep 2004 11:45am
8th Sep 2004 11:45am
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline
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StuyMac  Offline
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Posts: 12,002
Wirralshire
The Excess on you policy only come to effect when you make a claim for your car - kind of a deterant to stop you making silly little claims.

As for the Written off metro, Im guessing the value of the car will be very low, so if there is any damage, the price an approved repairer will charge could well be more than the cars worth frown

As for whiplash, very little you can do. If you have admitted there was contact between cars, the symoptoms are very hard to disprove unfortunatly frown


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Re: insurance excess #70389
8th Sep 2004 3:11pm
8th Sep 2004 3:11pm
Joined: May 2004
Posts: 6,261
Birkenhead
C
Cali_16v Offline
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Cali_16v  Offline
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Joined: May 2004
Posts: 6,261
Birkenhead
working for direct line/tesco motor claims all i can really say is stuymac hit the nail on the head. whiplash is a soft tissue injury so therefore cannot be seen on any machine, if the doctor presses your neck and you say oww. you got whiplash and the payout is normally 1500-2000.


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Re: insurance excess #70390
8th Sep 2004 10:12pm
8th Sep 2004 10:12pm
Joined: Dec 2003
Posts: 1,328
Wirral
Gary Offline OP
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Gary  Offline OP
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me and my girlfriend were in the car and ive had more whiplash doin a 3 point turn and hitting a kerb to be honest! so i wont have to pay the excess then?i hope not

Re: insurance excess #70391
9th Sep 2004 11:36am
9th Sep 2004 11:36am
Joined: Dec 2003
Posts: 1,328
Wirral
Gary Offline OP
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Gary  Offline OP
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Posts: 1,328
Wirral
just phoned norwich union then and they told me "because its a third party making a claim and not you, you will not have to pay the excess thats on the policy"....... im all smiles

Re: insurance excess #70392
9th Sep 2004 12:43pm
9th Sep 2004 12:43pm
Joined: Jun 2004
Posts: 738
Neston, South Wirral
Rocco Offline
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Rocco  Offline
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Neston, South Wirral
Nice 1 fella!


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