i was unfortunate to be in a none fault bump over 6 months ago with a neighbour i was fully comp the other driver was at fault he admitted it but his insurance would not give him a curtosy car because he would not say what they wanted him to say i got a letter saying i was a none fault claim my old banger was wrote off over the phone i was offered scrap value for it ..now 6 months down the line my insurance is due. swinton say my price has gone from £245 to £600 and my no claims dropped from 9 years to 3 years because of the ongoing claim even though i have phoned them week after week to push it to court procedure..guilty to proven innocent is what they mean..i have asked them to carry on my insurance at the going rate for 9 years no claims and if and when i get found to be at fault i will pay any other outstanding balance. not the way we work came the reply..again guilty to proven innocent. they wrote my car off over the phone due to its age i could of fixed it myself for £25 they said i cant have a curtosy car as its being written off without it being viewed so why do they take my extra money for fully comp knowing very well there going to write it off even for the smallest of things i cant take my insurance elsewhere as i cant get a no claims paper off swinton due to them taking 6 month to keep doing absolutley nothing i cant afford £600 ..helppppp need swintons ransom money

That is the way insurance works.

A no fault claim is still a claim. The best option, if you can afford it, is to not involve the insurance company at all. If you make a claim, your premium goes up.

i disagree with you

a no fault claim means im claiming of the other party not of my insurance .

if i would have been at fault i would off offered to pay for his dint

but seeing as im not at fault i know it he knows it and my insurers know it going of the letters and drawing we both supplied .its his insurers trying it on i phoned my insurers today they said they have sent another letter out today i asked them have they not got phones or fax machines ...there reply was its always engaged ...thats what im up against

I had a none fault accident last year, even as it wasnt my fault and the other side paid it still costs me as you have to declair the claim.

Your in for a long wait with insurance companys, but hey cant do anything

This case seems slightly unfair on the face of it but then it is Swinton!

The bottom line is the claim is still pending and will not be settled until signed off. This is not just Swinton, this is how it works. If it didn't, the country would be in an even worse state than it is today.

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Coyote

why does it take so long at the end of the day its down to 2 solicitors to say right no ones taking the blame lets move it to court that should take 5 mins to agree and possible couple of months to get a court slot.. what do they do shove them in the filing cabinet after having a look charge the insurance company more than the cars worth ....for filling them away

the car i assume is in storage at a cost of who knows per day times approx 200 days .well it had better be as its still legally mine ...till bells ringing again for the storage people ..

its no wonder insurance is high every one gets a big piece of the lets do nothing pie ..whilst the motorist pays through the nose untill someone says ..lets look at it again ..then still nothing gets done

swinton are apparently doing very well in the recent financial crisis:

http://www.noclaimsdiscount.co.uk/news/art_display.php?show=200812261

because their competitors are struggling they are securing more and more of the market

i work for directline car insurance. you will only get your no claims bonus when the claim is actually settled, up until that piont its guilty until priven innocent, even though liability was on the other party. its the insurance company thats taking it to court not your neighbour, as they dont want ot pay out.

you'll get reinbursed when its all blown over

sir digby that could be the reason they dont bother rushing things for there paid up customers nor do anything to help them..since i was last on the phone to them not even a phone call or email from them ..to say they sent out in there words ...another letter to the solicitors dealing with it...to busy grabbing other suckers money

MASSIVE LESSON LEARNED HERE STAY AWAY FROM BROKERS ...GO DIRECT TO THE INSURANCE COMPANIES THEMSELF AFTER YOUVE GOT YOUR QUOTE ..AFTER ALL THE BROKER GETS A COMISSION FROM THE INSURERS..SO YOU MIGHT BE ABLE TO CUT THERE COMMISSION OUT AND GET A BETTER DEAL

oldhamred:

sir digby that could be the reason they dont bother rushing things for there paid up customers nor do anything to help them..since i was last on the phone to them not even a phone call or email from them ..to say they sent out in there words ...another letter to the solicitors dealing with it...to busy grabbing other suckers money

MASSIVE LESSON LEARNED HERE STAY AWAY FROM BROKERS ...GO DIRECT TO THE INSURANCE COMPANIES THEMSELF AFTER YOUVE GOT YOUR QUOTE ..AFTER ALL THE BROKER GETS A COMISSION FROM THE INSURERS..SO YOU MIGHT BE ABLE TO CUT THERE COMMISSION OUT AND GET A BETTER DEAL

Whilst I appreciate the method behind the madness here, it's completely incorrect. Direct insurers have the poorest underwriting and focus on attracting the customer with media advertising; something which costs a great deal more than broker commissions I can assure you.

The aquisition cost to the insurer through a broker is minimal. eg. for £1000 premium a GOOD broker (with a minimal claims book) will look to get £125-£150 maximum. In addition their 'books' will be balanced with quality risks rather than those direct to insurers for many reasons. Face-to-Face risk analysis, no mistakes made with online quotation forms, pre-vetted information, liability on broker for inconcise information, PI claims through misadvising, etc.

You will get cheap prices from direct insurers but they are cheap for a reason. They don't have the balance right and the outsourced claims experience will be appalling.

Finally, Swinton are NOT a brokerage in any way, shape or form. The history behind them makes them rather bias as to whom they place business with or through. They are certainly not independent either.

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Coyote

update coming very soon now in touch with the insurers direct as the brokers are a waste of time

i would 100% recommend finding out before you pay the broker if you want to use 1...me never again... who your insurer will be as a lot of people think there broker is there insurer ...then doing some research about your insurer before paying ..believe me you will want to read some of the email i have from them... there will be upates coming soon as the insurer im with are incapable..they are asking me to except a 50/50..i have asked them on what grounds..i cant get a answer to this question i have phoned them and e mail is flowing between us ..to no answers to my question.. the letter they sent out instead states

as you may be aware the 3rd party insures are still disputing liability

both versions of events are feasible and we believe that a 50/50 judgement would be made

we are not prepared to fund a course of action that we do not believe will succeed

here is my question to them that i cant get a answer to

on what grounds are you willing to go 50/50 on when the only blame on my side that is turning up ...is what the other insurers are speculating that i could not have been as vigilant as i claim to be..that is it nothing more nothing less

this is the evidence i have given to my insurers

i had right of way he never

he come across my path infront of a bus ..his insurance sent me a letter saying he come from behind the bus ..

he ended up 65ft away from the collision me 3ft max

i have a solicitors letter from them stating he was half way across the junction when the lights turned amber

i proved them wrong sent them video evidence that once he goes through his lights he turns left across a junction box then across my path i went up and drove his path with a video camera proving there are no more lights after he has gone through his set therefore if hes seen a amber light hes seen them before he turned left into the junction

i have asked them why they are not fighting my corner like the other partys are fighting his with 1 piece of speculation

i have the reply in email you will not believe wot i was told by someone who works for my insurance

and it will be used against them

to anyone getting a bit confused angry at swinton and oldham red are the same people

well i got a phone call from my insurance they said there going to find a ariel view of the road.. i suppose its a start ..mind you im not holding my breath that was 2 week ago..i dont think theyve heard of google earth i..ts 9 months now since the bump now

and we come to another month ...yes you guessed no response from them about there ariel view ..infact no response about anything ..please keep checking back im going to name and shame this insurance company very soon...the very insurance company that swinton crap car insurance told me i was with on there behalf you do not want to be with this insurance company.. if your dealing with swinton ...your choice but be warned they are only your broker and dont care about you only there cut... ............... tell them you dont want the same insurance company they gave to oldham red

had a letter from dvla confirming that they have updated ther records and we are no longer the registered keeper

or you have told us it has been scrapped

..ive done no such thing . so who has .surley they cant scrap it without our signiture

on the grounds its still our car

on the grounds we have not been paid out for it it is still ongoing

and i thought they had to offer you the car back i could of fixed it for less than £25 myself

this is becoming a joke ..ive phoned dvla today there shut will see what they have to say tommorrow