This takes the biscuit. ..

[hard top]

My car insurance......roughly translated from Dutch to English.

Dear Sir,
Your car is a write off. (Dutch, total loss)
There for, we are increasing your insurance on this vehicle due to the damage.
You have ten years, as of the first of August this year, of no claims on an accident (car crashed in May this year)
By the way, we have decided that your cabriolet soft top, if damaged by brake in, fire etc, will cost you Euro 450 before the insurance kicks in. This does not apply if you keep your hardtop on.

Just opened the letter, at least it gives me a weekend to cool down before I contact them.......

 

[GazHyde]

Seems you have similar insurance companies over there to us... As you say, good job you have the weekend to mellow before calling!

 

[t-tony]

Unbelievable !!!

 

[joey]

Talk about kicking a man when he's down..!

outrageous....my blood is almost as hot as me coolant..!

rotten news HT I hope you can sort it..

 

[kmc23w]

Taai HT

 

[Titan]

That doesn't make sense Mike.
It's written off so they increase the premium ?

 

[badman gee]

Sorry to hear this mike.

 

[hard top]

That doesn't make sense Mike.
It's written off so they increase the premium ?

Yes, because I still own it.........

 

[Titan]

Yes
But it can't be driven
And if they have written it off and paid out, it's their vehicle ?

 

[hard top]

Yes, they paid out but it is still in my ownership.

 

[kmc23w]

Must be different rules...in the UK if an insurance company declares a vehicle a "total loss", otherwise more commonly known as a write off, then on settlement the vehicle becomes the insurance company's property in all respects...they have to dispose of it and if necessary insure it....

 

[t-tony]

Obviously loyalty doesn't work both ways anymore for you than it does over here Mike. If/when you get it back on the road would another Insurance co. want to charge you the same or as a new customer will you get a much better deal as happens here?
I think Robin Hood was a loss adjuster all those years ago.

 

[t-tony]

Must be different rules...in the UK if an insurance company declares a vehicle a "total loss", otherwise more commonly known as a write off, then on settlement the vehicle becomes the insurance company's property in all respects...they have to dispose of it and if necessary insure it....

That is true but they can still choose to sell it back to the owner, to be repaired or broken up or whatever the owner wants to do with it.

 

[hard top]

Correct Tony, the best quote they came up with was Euro 1,500.00 I told them to stick it.

 

[GazHyde]

Is this in some way that they are trying to force written off cars off the road. Make it too expensive to repair and then run, and it will get scrapped. That way it's another old car off the road. It does rather sound more like a government initiative rather than anything sensible.

 

[hard top]

You are probably right Gaz.

 

[hard top]

I can not rely complain, as they paid out Euro 3,250.00 for an October 1996 Z plus I could have taken 1500 on top if I had chosen to. I can understand them being a bit peeved, as the French thing that got hit cost them 4K and a bit. (I am fully comp)
In the UK I could have gone out and bought another Z.

 

[t-tony]

You could stll? I guess we are forgetting who was at fault in the accident. no you, but not the owner of the Rhino.

 

[hard top]

Yes Tony, the Rhino cut my boss up. Could have been 'Crash For Cash'
I do not have a dash cam like Bad Boy has in the ladies.......better not start that one up again.......

 

[kmc23w]

That is true but they can still choose to sell it back to the owner, to be repaired or broken up or whatever the owner wants to do with it.

Yep.....but the point I was making was that when the total loss is settled the "owner" no longer has legal title to,nor responsibility for, the vehicle....so the only way HT would become responsible for insuring it again is if he purchased the write off back...at which point the risk is with him again and I am afraid the cost for insuring that risk is at large...i.e. the insurer can demand any premium he wishes and impose any conditions (endorsements) he cares to. His only protection would be if he had protected NCB OR the t&c's of his insurance had a schedule for NCB reduction under a total loss situation i.e. if you have 10 years you loose 5 on total loss....in any event setting a base premium is a black art conducted by the underwriters...there is no redress other than to go elsewhere...and because you are obliged to declare the total loss ...then it is a vicious circle.....god I bored myself then...I'll get my coat