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Corrosive Shame
Therapy for Life
Less than happy
In the tradition of other people I know, I'm currently less than happy.

Work is very dull, and today I get to drive a van around Oxford schools (woo!) - my exciting life eh!

Yesterday I spent some very depressing time modelling the cost of the two car accidents I've had in the last year. No settlement has been reached in either case which is bothering me a great deal, though I did amuse myself a little with the amount of money the other parties are claiming I did to them in damage (£600 and £800). As far as I can work out, with either paying for repairs or through losing my No Claims bonus I'm going to be out of pocket between £1400 and £2800 - assuming that the "best" I get is 50-50 on the accidents.

This winds my up especially because I've offered to settle 50-50 in both cases in order to get resolution - and I'm abolutely convinced I'm being generous with one of them.

Oh well, roll on resolution, and if it gets really exciting - court.

But what really annoys me is the time this is all taking. It's been months - and still I just have worry, no control over the situation and increasing anger when I deal with my insurance company.

Current Mood: annoyed annoyed

7 lies or Lie to me
From: ikkleblacktruck Date: July 22nd, 2003 12:45 am (UTC) (Link)
Isn't your insurance company supposed to handle it all, while you just sit back and carry on with life as normal? Obviously I don't have any experience with car insurance, beyond paying a fortune for my first year, but I was under the impression that they don't let you dictate the course of events and you're not supposed to speak to the other party involved except through them? (Or is it the insurance company you've instructed to settle 50-50?)
kneeshooter From: kneeshooter Date: July 22nd, 2003 12:49 am (UTC) (Link)
It's the insurance company that I've said can settle it 50-50. A lot of the issue is whether it is worth me paying for repairs myself or losing my No Claims.

I reckon that losing 4 years No Claims is going to cost me about £1400 over the next four years for example, plus the policy excess.
From: ikkleblacktruck Date: July 22nd, 2003 04:00 am (UTC) (Link)
I see. And if you keep the No Claims, and rack up another year, is that when you are eligible for Protected No Claims? And is discount on your policy directly linked to the amount of No Claims? My policy, as a new driver (thankfully not also under 25) cost me only slightly less than the amount above, and that's 3 times cheaper than some of the big insurers wanted to charge me. I am hoping that after a year it will decline sharply, as they remove the new driver penalty loading and I get 1 year's No Claims on top.
winterdrake From: winterdrake Date: July 22nd, 2003 04:12 am (UTC) (Link)


It sounds like you already shopped around, but did you try Direct Line? It's not always the case, but they quite often work out very cheap (comparatively), and, iirc, they used to offer a 1 years No Claims to all customers, whether they had any or not. They may still be doing this; it's worth a look when renewal time comes around.
From: ikkleblacktruck Date: July 22nd, 2003 07:21 am (UTC) (Link)

Re: Insurers...

I went with Land Rover, not only because they offered me the lowest quote, but also for off-road peace of mind and the knowledge that it will go to a Land Rover dealer should anything occur. (mimeticgel is the off-road freak, mind, I find it boring, but if there's going to be any damage, it's likely to be done then... and woe betide him if it is!)
barrettyman From: barrettyman Date: July 22nd, 2003 09:27 am (UTC) (Link)


Well as Rob often says Insurance is the biggest organised con. You may as well take the hit on your no-claims mate as the likelyhood is your insurance will go up because of the accident whether you claim or not ( they are sneaky like that) I know it happend to me when I wasn't even the party at fault.
sixtine From: sixtine Date: July 22nd, 2003 02:17 pm (UTC) (Link)
All pants. You are more than generous. :-(
7 lies or Lie to me