Auto insurance corrupt

IrishHomer

I noticed several car insurance companies offer a discount to apply online.

They reel you in with an appeang quote.

However a few days later te email you stating they want at least 4 items and if not provided the insurance will be cancelled and void.

You then send required paperwork and then they up the price another 30-40%

I want to make an official complaint about this.

I've tested a few companies and they all do this

Doodah7

Insurance Ombudsman?

Stark

This has never happened to me. Is there something you're leaving out when they ask questions about things like penalty points/convictions/previous claims etc. for the quote?

muffler

https://www.boards.ie/discussion/2058323073/auto-insurance-corrupt

That wouldn't be my experience. Sure, things like a copy of driving licence and proof of no claims bonus are required by all insurers but if those details match what you entered on the forms then there shouldn't be an issue. I suspect there's a bit more to this though.

Anyhow, as stated above, the insurance ombudsman is where you go to complain but only after you have made an official complaint to the particular insurer and they have provided you with the result of their investigations into your complaint.

mondeoman72

That couldn't be right. What are the 4 items

artanevilla

Did you make statements on your initial request for a quote that were contrary to the information you provided in the documents you had to send?

Buddy Bubs

Can only be documentation not matching up to what you said in application.

What do they look for?

Driving licence

No claims discount from previous insurer if moving companies

Payment

Can't think of anything else or what these 4 items might be

IrishHomer

No absolutely not

L1011

This doesn't happen to other people. You are clearly omitting something critical when applying

Clo-Clo

https://www.boards.ie/discussion/2058323073/auto-insurance-corrupt

Never happened and it would be reported if it did

As a guess you are putting the wrong info in so when they check the information you sent in then the price goes up. Try again but fill in the correct information. You should be aware they have an insurance system which all companies share and can find out about crashes etc so lying doesn’t work

Clo-Clo

https://www.boards.ie/discussion/comment/121383708#Comment_121383708

That’s it, maybe proof of address I think I was asked for as well but I think as the no claims on it they accepted that as proof …I could have sent in bill anyway

Buddy Bubs

https://www.boards.ie/discussion/comment/121383806#Comment_121383806

What are the 4 documents they asked you for that increased price

IrishHomer

• Original proof of 0 years no claims discount
• Letter confirming 6 years claims free insurance as a named driver
• Claims details letter from previous insurer

muffler

I'm sceptical of this whole thread. In order for multiple insurers to request the same documents, with a threat of cancelling the policy if the docs aren't provided, the OP would had to have been insured with multiple insurers. We aren't being told the full facts here.

Mellor

https://www.boards.ie/discussion/2058323073/auto-insurance-corrupt

They threaten to cancel/void the insurance. Meaning you had actually taken out the policy at that point.

And after they up the price, you decline and go through the same process with somebody else?

https://www.boards.ie/discussion/comment/121384128#Comment_121384128

Proof of 6 years claims free driving, and also details of previous claims. Potential conflict there.

Stark

Proof of 6 years claims free driving, and also details of previous claims. Potential conflict there.

Was the claim under a "protected no claims bonus" policy perhaps? Unfortunately a protected no claims bonus will protect your discount but the initial premium on offer will still increase due to the claim and increase in risk profile.

magicbastarder

a no claims discount only applies if you remain with the same insurer too.

https://www.boards.ie/discussion/comment/121384288#Comment_121384288

Pardon?! Presumably you mean a protected NCB after a claim?!

magicbastarder

Whoops, I meant to say no claims protection only applies with the same insurer.

IrishHomer

I'm a male aged 54 years driving since I was 16yrs old never been in any accident.

Been a named driver on wife's car for over 25 years.

Own policy car for over ten years.

Last Xmas my unprotected no claims bonus was lost as my car engine died and bumper broke from an icy road slide and they wouldn't repainl write it off and pay me €1600 for the cars market value.

I'm being totally honest.

One company axa wants the documents I had been with Aviva and also wife is

L1011

If you claimed, you have no NCB and the other insurers won't be asking for it. Are you putting down a nonexistent NCB?

That would be why the price goes up

IrishHomer

No I'm not

IrishHomer

I'm ringvto revert back to my original insurer Aviva.

Funny they couldn't insure my car yesterday I've t wst until Monday as they wanted a letter from Axa to state id left them after just two weeks of insurance with them.

That was submitted last Thursday.

My car is uninsured now for the weekend.

feelings

https://www.boards.ie/discussion/comment/121384128#Comment_121384128

You said they wanted at least four items. What's the fourth document they wanted? And what other documents did they request?

Buddy Bubs

Ah right so there's a claim involved. I haven't ever had one so I haven't a clue

IrishHomer

I forget but that was submitted last week

IrishHomer

I was forced into writing my old car off.

They were very pushy back then nobody advised me ret going along with it now. For the sake of €1,600

L1011

https://www.boards.ie/discussion/comment/121384580#Comment_121384580

So why are they asking for a doc they would not be aware of existing?

You are absolutely omitting something from the facts here. Both on your application and on this thread

IrishHomer

I'm absolutely not

L1011

https://www.boards.ie/discussion/comment/121385220#Comment_121385220

You absolutely are - you said they asked for four documents, you've named three and even then, one of them is one they wouldn't know existed unless you'd given inaccurate information and hence couldn't ask for.

Sarn

I wonder is the 6 years claims free named driver experience (even though on a separate policy) causing the issue? Do they take that into account when you’ve had your own policy?

There has to be a discrepancy between what you are putting into the application forms and what they are accepting.

IrishHomer

I just checked it's only the three documents I listed. There was no fourth item.

I was mixing it up wth four documents stored on my old original Aviva account.

artanevilla

How can you have 6 years no claims when you've claimed?

IrishHomer

I never told them I had a 6 yr no claim.

They asked for that in relation to myself a named driver on my wifes car policy.

L1011

I would be quite certain that you have (unintentionally) represented yourself as having 6 years named driver experience despite having no valid NCB.

This would be misrepresentation and would put the price up significantly once removed from the calculation.

You may find that you need to tell your wife's insurer that you had an at-fault claim on another policy.

zg3409

You made a claim so you now have a high quote on renewal. That's perfectly normal.

IrishHomer

What exactly is an at fault claim please?

L1011

https://www.boards.ie/discussion/comment/121385666#Comment_121385666

A claim by you on your own policy. Which you have done.

Clo-Clo

https://www.boards.ie/discussion/comment/121385666#Comment_121385666

You wrote off a car and claimed on the insurance. As no other person was involved you are at fault for the claim.

Hence why most people would just write off the car and not claim for it because in the long run you might have got 1600 from the insurnce company but your no claims is worth 2-3 times that

So, we're agreed that auto insurance is not in fact corrupt?

artanevilla

https://www.boards.ie/discussion/comment/121386804#Comment_121386804

Well that remains to be seen whatever the case in this thread.

shane b

I think the issue here is that on-line quotes are based on certain assumptions ie that the requestor hasnt had a claim in the last 5 years. Im not suprised the price increases after the documentation is reviewed. Very few online quotes will allow you to put in claim details.

I had a claim in 2014 and couldnt get a quote with any one else for at least 3 years afterwards. If i put in details of my claim, the on-line systems said "we can not quote you please ring the office during normal working hours". Rang the office numbers and 2 companies said that new policies have to have a minimum of 3 yrs NCD post claim for them to quote. They more or less told me to come back in 3-4 years.

The other thing i found out that my protected NCD was only applied to my insurer at the time time. I was getting a 60 % discount due to a 6 yr no claims bonus but when i went to another insurer they only seen the 1 year post claim.

Seth Brundle

https://www.boards.ie/discussion/comment/121391437#Comment_121391437

Online quote systems do ask if there are any penalty points, convictions and claims (in separate questions). If you answer yes to them, it then it proceeds to ask for details e.g. claim type (repairs/personal injury,, etc.) and if the claim was settled and what way it was settled and any payout amount.

I know because I was victim to a clearly bogus neck injury claim 😫

jmreire

https://www.boards.ie/discussion/comment/121391437#Comment_121391437

It begs the question, after telling you to come back after you had 3 years no claims built up, just how or where did they expect you to get the cover to enable you to drive for those 3 years??

shane b

https://www.boards.ie/discussion/comment/121398731#Comment_121398731

At that time i had to stay with the same insurer for the 3 years, as i was an existing customer they kinda have to re-insure you regardless.

My claim was settled at about 8k and i paid about 2.5K extra over the following few years before my premium came back down to where it was before the claim. My first renewal after the claim was almost 3 times the the previous years so thats when i went looking for other quotes.

jmreire

https://www.boards.ie/discussion/comment/121399041#Comment_121399041

Just this week I was speaking to a friend of mine who was telling me about a friend of her's who is from abroad and just back from a few months visit back home as her mother was sick. A few weeks before she left, she was involved in a slight collision with another car, with her being in the wrong. At the time, everything was OK, she admitted liability, the damage was very minor, small dent etc. She asked the other lady if everything was OK, was assured that, yes, everything is ok, don't worry. So, after giving all her details, she left, and a week or two later, left the country to look after her sick mother. She arrived back in Ireland about two weeks ago and went to renew the insurance. The quote came in at €3500. When she got over the shock, she rang the insurance and asked if they had made a mistake. No mistake they assured her, the lady whose car you hit lodged a claim for €50'000. And that as they say was that. No discussion, no nothing. Except that the lady who was at fault cannot afford to pay the €3500, and so is off the road, and she needs a car for work.

L1011

https://www.boards.ie/discussion/comment/121399865#Comment_121399865

That's how insurance has always worked.

The 50k claim is likely going to get thrown out, eventually.

Mellor

https://www.boards.ie/discussion/comment/121384423#Comment_121384423

You've say you've never been in accident. Then you literally describe an accident that you had last year. If you are mislead the insurer, i'm not surprised it goes up.

Original proof of 0 years no claims discount

why are they asking for proof of a discount that doesn't exist?

IrishHomer

I'm only quoting what they requested.

10 days later and we are still going around in circles.

Insurance company calling me daily and emails with documents been sent umpteen times and now they are saying my mint 2004 VW Golf is too old!

The staff keep going back to talk to managers and I still have no insurance, into the 2nd week now. (10 days)

L1011

https://www.boards.ie/discussion/comment/121400361#Comment_121400361

This is entirely because of misstatements in your application, made by you.

You had a claim. You have no NCB. You appear to have got a quote on the basis that you had not had a claim and had 6 years named driving experience. These are not valid, and hence the quote given will be much higher

Very few insurers will insure a 2004 car for a new customer. There is a thread in Motors listing those that will. However your cheapest quote is almost certainly going to be with your existing insurer in these circumstances.

IrishHomer

This is entirely because of misstatements in your application, made by you.

I absolutely refute your claim I lied!!!!!

I never gave false information!!!!!!