Author Topic: INSURANCE  (Read 5184 times)

Offline Shallowhal

  • Hero Member
  • *****
  • Posts: 3531
  • Karma: +0/-0
Re: INSURANCE
« Reply #15 on: September 14, 2018, 02:45:27 PM »
Ah...set adrift on memory bliss....not up on PM Dusk though!!

She's obviously under 52 then?

Absolutely!

Offline SClass

  • Hero Member
  • *****
  • Posts: 912
  • Karma: +0/-0
Re: INSURANCE
« Reply #16 on: September 14, 2018, 03:05:40 PM »
Hello lads and lassies, newbie to the site.

I'm driving a joe nearly 20 yrs. Had a bang over a year ago in which I was at fault (first one ever). Insurance renewal is in about 5 -6 weeks. I'm with axa, and expecting to be clobbered. Just wondering if any of yis were in a similar situation or have any insight as to what kind of quote I may be facing?

Basically looking for any advice which might help to keep costs down, was with BJP for years, then went to liberty and recently back to axa. I'm aware with a claim pending .... they have me over a barrel, just wondering if anyone of you had similar experience/advice to offer, and if the likes of Ben Mc Ardle are worth a go ....etc?

Thx Mark.



For a lad that's driving two decades
Ye haven't heard about insurance Scum gouging taxi drivers
They were at it when when you started into the game 20 years ago.
But now you'll more than likely get arse raped,
Just breathe in it might not be as bad as WE  think.

Mark, as you might expect there are a number of very distrustful and cynical people here, most of them being angry at themselves rather than the newcomer. Many have had bad experiences posting personal details online in some other capacity such as dating apps and porn channel services, so go easy and forgive them their transgressions.

There are a number of well-rounded and grounded individuals with no previous psychiatric containment or dependence on chemicals/synthetic highs. You can discern for yourself over time who these folks are. Now, as I myself recall, having posted early on in my short time on this forum, the advice given by Rat Catcher or John M tends to err on the side of sane and sanitised, respectively. Some forum members react rather badly to others mentioning "accidents" or "crashes" for varying reasons. One particular erstwhile poster I remember went ballistic at another current member for referring to a crash whereby the former had sustained somewhat dubious injuries etc. He seldom posts here now as I suspect he sees every thing outside plant or animal as the "enemy".

Keep it safe and mundane and the dogs will eventually stop sniffing your arse and give you the odd lick. Good luck and watch for the P.M. kings....you'll soon learn.



Hang on till I get my Enigma machine out, for fucks sake.

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #17 on: September 14, 2018, 03:43:47 PM »
Thanks for replies.........

To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.

Offline mercenary for hire

  • Hero Member
  • *****
  • Posts: 2517
  • Karma: +0/-0
Re: INSURANCE
« Reply #18 on: September 14, 2018, 04:07:08 PM »
If my insurance goes over 2k I'm considering fecking off.There's no chance I'd wanna stay in business at 10k.Isn't worth the extra hours.

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #19 on: September 14, 2018, 04:07:22 PM »
Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash

mistake...

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #20 on: September 14, 2018, 04:09:41 PM »
I know a bloke in a similar situation and his went up from 2.5k to 5.2k, he reckons there was about a grands worth of damage to the both cars and no personal injuries taken


I've heard of this kind of stuff. How...purely from a maths point of view, can they pay out 2k, then hit you for more than 3K extra?, and thats just year one! It'll probably reduce to 4k the next year.....3k the year after etc. So for paying out 2k, they've got probably an extra 7k or 8k PROFIT !!
They're a shower of scummy cuns  ::rant

Offline markmiwurdz

  • Hero Member
  • *****
  • Posts: 545
  • Karma: +0/-0
Re: INSURANCE
« Reply #21 on: September 14, 2018, 04:11:40 PM »
Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash

mistake...

Why is it a mistake?,if you fix someone up out of your own money and they know it they would be less likely to develop compensation symptoms.

Offline john m

  • Hero Member
  • *****
  • Posts: 3326
  • Karma: +0/-0
Re: INSURANCE
« Reply #22 on: September 14, 2018, 04:13:11 PM »
Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #23 on: September 14, 2018, 04:15:17 PM »
Sometimes it can be better to settle it yourself if there are no personal injury claims,but the problem with that is,when they meet up with the bar stool lawyers,they soon develope whiplash

mistake...

Why is it a mistake?,if you fix someone up out of your own money and they know it they would be less likely to develop compensation symptoms.
 

The reply above I gave to Tony, I originally attached to Dalymount....which was the "mistake"...

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #24 on: September 14, 2018, 04:20:02 PM »
Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .


I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).

Offline john m

  • Hero Member
  • *****
  • Posts: 3326
  • Karma: +0/-0
Re: INSURANCE
« Reply #25 on: September 14, 2018, 04:23:06 PM »
Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .


I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).


Cant see them increasing it by a huge amount 20 years counts for something .Good Luck .

Offline mercenary for hire

  • Hero Member
  • *****
  • Posts: 2517
  • Karma: +0/-0
Re: INSURANCE
« Reply #26 on: September 14, 2018, 04:32:02 PM »
Ya know Axa insure Uber in Austrailia?Don't be surprised if the dicks are trying to put us to the wall to speed up the rideshare nonsense.

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #27 on: September 14, 2018, 05:25:24 PM »
Mark an extra grand is just a score a week unlike a lad working 40 in a Paye job you can earn it and write it off against tax its less than 15 notes or a packet of smokes a week .They are cunts but they dont want to put you out of business if they do they get nothing .Look on the good side you were not hurt .


I hear you John, but if it were an extra 8k or 9k thats obviously an extra €160 - €180 per week. I'm very thankful I wasnt hurt. Claimants had minimal injuries, just milking the broken system (kinda dont blame them).


Cant see them increasing it by a huge amount 20 years counts for something .Good Luck .

You're ole school like meself John, you'd like to think it counts for something. But once the NCB is gone, you're just like a brazor to these cuns and they'll ride you just the same with the same contempt

Offline TaxiMark

  • Valued Contributor
  • **
  • Posts: 16
  • Karma: +0/-0
Re: INSURANCE
« Reply #28 on: September 14, 2018, 05:28:25 PM »
Anyone get quote from Ben McArdle? just curious

Offline watty

  • Hero Member
  • *****
  • Posts: 562
  • Karma: +0/-0
Re: INSURANCE
« Reply #29 on: September 14, 2018, 06:20:59 PM »
Thanks for replies.........

To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.

I'm with Axa/BJP.  They didn't send out all the documentation this year.  But buried in the small print in previous years, my 'base' premium with Axa/BJP is 6k and the NCB of 60% brings it down to around 2.4k.  So if you're in the same boat with no NCB-protection, will it go up to 6k for you?  Sorry to be alarmist.  Everyone's worst nightmare. 

Maybe go into BJP in person and talk to them.  I think they're supposed to be on your side?

But, like JohnM said, don't look at the big number, look at how much it is per week and it might not seem so bad then?

 


Show Unread Posts