posted by rich1068 on 02/12/2004 19:12:02
<snip>... And we all know what we think of uninsured drivers don't we?
Sorry if I bang on about this (on here and other forums) but the insurance hike is part of responsible modding. If you can't afford it then don't mod.
Thats all well and good in a perfect world where the consumer is treated well by these insurance companies. But that is most certainly not the case. I firmly believe that most insurance is a scam, specifically intended to rip off the consumer and rarely offers value for money. Maybe this is more apparent here in northern ireland where we pay many times what an equivalent policy in england would cost, mainly due to lack of competition.
I also have heard many, many stories of insurance companies backing out of a claim on whatever grounds they can find, pathetic grounds, and indeed have been victim to such a ploy myself only to have to fight it through the courts for 11 months and eventually win, meanwhile being without a car and having to pay the HP (none of these expenses were able to be claimed back)
An example of this is a friend who crashed, admitted responsibility and put it through his insurance only for his policy and claim to be subsequently voided after the insurance assessor declared that the MUD FLAPS on the car were not factory standard.
I have other examples from both my own case and from people I know but I wont ramble. The point is that these companies always try and find ways of backing out of a claim in order to make as much money as possible. A lot of the time they are just chancing their arm with cases that wont hold up in court, but they know that the average joe cant afford to take it to court, or might not have the sense to so they get away with it. Once they get your money they have no intention of honouring their policies or doing the decent thing if theres any way at all they can try and get out of it.