I think the whole car insurance industry is totally corrupt ! Everyone is out to make cash out of someones misery when they are involved in an accident !
I got "clipped" in my car.. Totally non fault.. a repairer quoted me £400 cash to repair, including a new wing (£75) and another £25 in trim. The "aggressor" to my car decided £400 was to much and wanted it to go through the insurance..
that's when I discovered hasting direct couldn't organise a pissup in a brewry and ended up getting one of those accident management company's to sort it... Job done, so I thought...
aggresors insurance refused to cough up so it was going to court, that's when I saw the true scale of costs.. 2K for 2 weeks courtesy car (for what was just a few hrs work, the repairer charged £900 for parts?? plus £900 for labour ???? engineers, report, solicitors letters, Total bill was £4800...
Forget compare the market or confused if you've put so much as a sticker on your jimny., its been modified, so non of the usual insurance company's will touch you.(at least that's what I discovered after ringing most of them)
Your left with the specialists that can fleece you big time , or don't get insured
My gutless tiny jimny costs nearly twice as much to insure as my beautiful Mercedes amg estate , which is probably 10 times more valuable and the C class merc was the most targeted and stolen car in 2017 according to parkers!
work that one out !
Although I am not familiar with auto insurance in the UK, I am with insurance plans in the U.S. and the Philippines. I should indicate here that the experience I have had in those 2 places would lead me to believe that they are about the same wherever you go.
All I can say Helijohn, is that my heart goes out to you.
I started out with nothing & still have most of it left
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