Accident claim process with Allianz – repair, write off or replacement car

...Ghost...

https://www.boards.ie/discussion/comment/123753370#Comment_123753370

That doesn't make sense based on the comment you quoted from me, which stated that liability was confirmed to be the other party and the claim was closed.

So, once they are told it was a no fault, settled claim (IOW, the other party was liable and the claim is closed), why ask for the settlement figure?

And why after confirming the liability and closed status of a claim do they increase the premium? Shouldn't the premium only increase if

(a) liability is against the proposer, or named person on the policy, or is disputed, or undecided, or

(b) the claim is not settled?

mulbot

https://www.boards.ie/discussion/comment/123753744#Comment_123753744

I meant, in general insurance companies ask if you've had an accident in the last 5 years and if yes, then will ask if you were liable. I don't know about your circumstances but I've never known anyone that's had one and not at fault to be penalised.

MojoMaker

Ghost has literally just said he was.

mulbot

https://www.boards.ie/discussion/comment/123755950#Comment_123755950

Yes I know. I was referring to why they ask the question ".. In the last 5 years....", I've never known anyone to have had an accident, including myself, who was penalised for the other driver being at fault

Henry Ford III

https://www.boards.ie/discussion/comment/123752103#Comment_123752103

Something simply doesn't add up there.

If you have an accident where the 3rd party admits full liability and pays full damages and costs your premium should not be loaded afterwards and your NCB should be reinstated in full.

If there's an open claim however your renewal might well go up.

User1998

https://www.boards.ie/discussion/comment/123762566#Comment_123762566

I could be wrong but I think there is a statistic that shows someone who has been crashed into is more likely to crash into someone in the future. Or someone who has been in an accident is more likely to be in another one

kaahooters

https://www.boards.ie/discussion/2058422530/accident-claim-process-with-allianz-repair-write-off-or-replacement-car

not your fault, you wont be out of pocket for anything, claim for car rental for as long as it takes to fix your car, loss of earnings for days off, fuel ect. you can also clain a % of the car value for teh extra depreciation of the car.

you do not have to do anything to facilatate the other party, you can go to any garage to get your car fixed, if you want to be a dick, you can go to a main dealer and have them do it too.

inform your insurance, with all info concerning the incident, including documentation of any admitance for the other party.

get car fixed, move on, and you ave 3 years to claim any preimum loadings on your insurance off the other party too.

...Ghost...

https://www.boards.ie/discussion/comment/123762566#Comment_123762566

You're right. It doesn’t add up. It doesn’t make sense. But it did and does happen. The insurance industry is not only stacked against the policy holder, it’s scandalous! The post you quoted is my own personal experience. I only discovered the loading when I called several insurers directly to verify everything over the phone before getting the full and final quote. Their excuse is that if you are involved in an accident, regardless of fault, you are higher risk 🤯. It’s basically victim blaming and they don’t get called out.

I had been told in the past that you don’t need to disclose settled claims, but the quote criteria says you have to disclose all “accidents, regardless of blame” within x years. So if I select an accident, it often asks for more details, including the settlement figure, but doesn’t ask who was at fault. The system then often refuses to give a quote. So if I select no accidents, I contact the insurer after getting the quote to fill in the details of the no fault, settled claim and the quote is either much higher, or they won’t quote because there was an accident within the 5 years.

I renewed my insurance in July. I hadn’t been involved in an accident in over 10 years until some zombie on her phone rear ended me in May. I had already settled the claim with her insurance company before my renewal, but I had similar issues when recording the claim, or leaving it out online and following up over the phone. When I asked why the online price was lower, I was told that the discount only applies to online quotes. When I pointed out their quote system requested flawed information about non fault accidents, I was told that because of the accident, I was deemed a higher risk, even though I was not at fault. The exact same shíte I was told years ago.

Only AXA told me over the phone that I didn’t need to enter non fault claims, but their online quote system says otherwise. So, you either wing it, or hope they stick to the online price when you call and inform them of the non fault accidents/claim.

I ended up just renewing with my existing insurer, because I had already informed them about the accident when it happened.

The ombudsman is also a complete waste of time. They will only help if you can’t get a quote. They don’t care that policies are being loaded in this way. Because most people won’t even know if their policy is loaded, or invalid because a non fault accident wasn’t declared at time of quote.

bazz26

Insurance companies moving the goal posts is nothing new. They recently started listing windscreen replacement claims on your NCB statement too.

Eggs For Dinner

https://www.boards.ie/discussion/comment/123763698#Comment_123763698

Because windscreen replacement IS a claim under your policy. Insurers will generally ignore them for rating purposes, but if someone has 2 or 3 listed, you can expect a different approach

BalticBear

Rental car has now been provided. Turns out Allianz had my number recorded incorrectly, which is why there was no contact at first. Once I got through to the claims team over the phone, everything was sorted quite smoothly, they’ve been good to deal with on calls. Still haven’t had any replies to emails though, so if anyone else is in the same situation, I’d definitely recommend phoning rather than waiting for an email response.

_Kaiser_

https://www.boards.ie/discussion/comment/123882581#Comment_123882581

Agree with this - never rely on emails with ANY company or entity that's actually important. Always do these things by phone and take notes if needed.

This is doubly true where Irish companies are concerned. Emails are too easily ignored or lost. Calls are always recorded in these places (required especially in financial services) and can be pulled if needed.

9935452

https://www.boards.ie/discussion/comment/123763054#Comment_123763054

Similar experience here.

Girl backs into my car in a car park. Causes 4500 worth of damage. Eventually her daddy's insurance pays for the damage.

Got quotes for insurance off revolut.

600 no accident disclosed.

650 with a not at fault accident disclosed.