The Devious Car Insurance Scam Hidden In Your Policy! And How to Deal With it 

Licensed racketeering

Anyone surprised? They have no trouble taking your money..

The UK insurance industry is a rip off! It’s like a closed shop.

Remember, insurance companies are beholden to their shareholders, *not* their policyholders.

Insurance companies are notorious for having one-way pockets

My wife twice had someone go into the back of her car. Claimed, no fault.. In my different car, I was nearly killed in a head on collision with a car that was on the wrong side of the road. (The other driver was banned for a year.) I got a replacement car. The other driver's insurer admitted liability. My claim is ongoing, as my injuries were severe. When I insured the replacement car and when I renewed my wife's insurance, in both cases, the premiums went through the roof. (I am the registered keeper of both cars and both cars are insured for both of us to drive.) The broker said that this was because between us we have had three claims in 5 years, although they are all non fault. I had no claims bonus protection. A complete scam.

Im a driving Instructor and a few years ago I went through a period where I was rear ended three times within a years period all whilst sat at a red traffic light and none of them my fault. One was just as I was waiting for a new car to be delivered and the next 3 days after receiving the new car. All cost recovered from the other parties and as I said no fault of myself. None of the car were leased, all paid for and owned by myself. But after the third claim, I received a warning that if there should be anymore claims then I would be refused insurance cover WHAT! Thank god I have now gone seven years without any further accidents. What are we supposed to do ? insurance as someone once said to me many years ago insurance legalised robbery! how true that statement was!

As someone who is dealing with the insurance company for the last 4 years, for an accident that wasn’t my fault, I can attest that insurance companies are scum, and the people they hire would make Darth Vader seem polite and kind!

And the insurance company says, "Two for me and none for you. Three for me and none for you. Four for me and none for you. . . ."

If ever an industry needed regulation.

Insurance companies in the uk have been ripping off the British people for decades. You only have to look at the reason insurance companies up the price year on year. We have had the following over the last 50 years, keys fit other cars so easy to steal, then you need an alarm, then immobiliser, key fob locking, then the post code you live in, area you live in, age, keyless entry, many more reasons. What they don’t tell you is that almost all British insurance companies have sister companies or subsidiaries in Europe, and the British people subsidies that. A Germany mep years ago did an experiment got drivers the same age in the uk and Germany, passed tests in the same week. So the male and female drivers in Germany went to a Mercedes dealership both got an A class, drove out on the same day fully insured via British insurance companies. The two British male and female went to Mercedes dealerships for an A class couldn’t get insurance. When the insurance companies were questioned by the mep they didn’t have an answer to why and wouldn’t answer. It’s funny that Insurance in the uk keeps going up, yet in Europe it doesn’t. Insurance companies in the uk state loads of different reasons for upping the price, which is all crap. For example stolen vehicles, the uk if people don’t realise is an island, Europe is not. The uk has less stolen vehicles than in Europe. Most vehicles stolen leave the uk via a port ferry or in a container on to a ship. Yet no insurance company or the police tells the ports to to bring in technology like ampr to check on the vehicles entering the ports. Why is that? Because the insurance companies will just pass on the price to the British people instead. It’s the same when it comes to an accident one person is at fault, yet the person not at fault will pay the following year or the next time they get insurance because of the accident which was not their fault. The insurance watch dogs and regulators setup by government are in the pockets of the insurance companies. So insurance companies can and do as they please. Notice how the insurance companies still payout to share holders year on year, yet the insurance companies keep stating all different reasons for the prices to go up year on year. But the share holder get paid out more year on year. Insurance in the uk, needs to change asap. It shouldn’t be on the person and vehicle, it should only be on the vehicle. The police need to stop being the ones who act on behalf of the insurance companies, with the stopping of vehicles with no insurance, the insurance companies as an industry should be paying the police for that service. As an uninsured vehicle if in a crash or accident costs the insurance companies. So the police should be paid by the insurance companies for saving them money. More needs to be done by the insurance companies when dealing with the ports letting stolen vehicles go through them. Insurance for vehicles needs to be a fixed price set by if need be government in the budget. So all vehicles are £500 per year max, lorries are also done at a set amount, motorbikes should be £250 a year max. Then those that have not had an accident or stolen vehicle know they will be paying less than the max year on year. An new driver or rider pays the max set ie £500 or £250. An the same when it come to a vehicle repair, now the insurance companies just right the vehicles off, instead of repairing them. Mainly because they go by dealership pricing for parts and labour. When everyone knows the local garage and body shop works out to be close to half the price. So insurance companies should be forced to use these local garages and body shops. They should also have to prove the right off of a vehicle is the cheapest option, before they can right it off.

I work in the accident repair industry and dealing with insurance companies is the biggest problem we have. They dictate the paint we use which is much more expensive than other brands because they get a kick back from the paint companies and they constantly try to cut estimates and pay as little as possible regarding hourly rates. The bodyshop I work in does thing’s properly and we often have to fix repairs from other garages where they rush and bodge things because they have signed an unworkable contract with a insurance company . One bodyshop chain has a fixed price contract with insurance companies so it’s in their interest to glue and smash things back into shape rather than replacing broken and heavily damaged parts. It’s actually hard to find staff now where people are leaving the industry quicker than they can train them because they’ve simply had enough of it.

Absolute scam artists. Numbers plucked from the air when quoting prices. Wriggling out of claims. Non fault claim hikes. Price increased on renewals as opposed to a new policy. Writing off cars over something totally ridiculous ( See Saving Salvage when he bought a brand new still in transport mode smoke damaged Golf R). Bunch of See you next Tuesdays!

“You are more likely to claim again “ however if you have never claimed in say 30 years then they class you at a higher risk of a claim basically because you are due an accident. You can’t make this stuff up but it’s true.

About 35 years ago, I got wiped out by a drunk driver. Totally his fault. I had 3rd party fire and theft insurance. My insurance company wouldn't lift a finger to help me deal with the other driver's insurance company. His insurance company did everything they could not to pay. I had to accept a very low "offer" just so I could get something to afford to buy another car. When I went to insure my "new" car, my insurance company stung me for an extra 10%. When I asked why, I was told "well, because you've had a crash". Total scumbags, basically a licence to print money.

I can do one better than this. I had a young kid (17 ish) drive into the side of me, I felt sorry for him and said just give me your excess as it was £500 and minor damage. But after his dad found out they tried to blame me so i though i would just go through the insurance. After i told his dad it was on CCTV that his son was indeed at fault he became my best friend and wanted to settle in cash so i told my insurance we were dealing with it on our own and thought that would be that. But a few months later when i came to renew my premuim went up! This was due to the incident even though not a single insurance company paid a single penny but the fact i registered the initaial claim was enough for them to increase it. Insurance in the UK is just a ticket to ride anything more and you will loose out.

High time insurance companies were brought to heel. They are there to protect us at all times but they seem more concerned about protecting themselves. It's, a typical example of where free market competition doesn't work.

You have opened the Pandora's box with this video! I'm sure there could be hundreds of videos on this subject. Insurance of all kinds needs to be reformed and made more transparent and fair.

My premiums go up every year anyway . No claims gains another year .premium goes up.. it's a massive scam .

The fact that if you get points for, say, speeding, it affects every car you insure equally, but no claims bonus can't be used on all vehicles.

So if the whole idea is that the insurance company is aiming at no out of pocket, hence they have no risk, then it’s not really insurance….

Insurance companies= "Licence to print money!"

This is because you have compulsory insurance in the UK.. Here in New Zealand we do not have compulsory insurance and these insurance scams do not happen as there is so much competition from the insurance company's to TRY and get your insurance

A bit like a complete stranger coming up to you in the street punching you in the face and you get charged with assault.

This happens when Insurace becomes obligatory by law when companies are stock market players - all about money not about you

Incredulous behaviour. ETA, someone drove into my TVR in a car park, I wasn't in the car, he admitted liability, I got the car repaired, his insurance then tried to take me to court for an excessive repair cost, I counter claimed and won, I got a small fee of compensation from his insurance company and the driver at fault was so embarrassed by his insurers that he also gave me a small fee. No fault of mine, it was absolutely incredible behaviour.

This is exactly why the government and the opposition are promosing to look into car insurance,in the last few years premiums have rocketed and they have inserted these no risk to themselves clauses. They are out of control and need overhauling.

I look forward to Part 2: 'How to deal with it'.

well done for making it public - there should be a public enquiry into Insurance companies - they are now closed shops and you have absolutely no options but to comply with their demands even if no fault situations occur. Its a typical British Rip off....

If the insurance industry spent as much on paying out claims as they spend on figuring out ways to avoid paying out they would be a lot richer.

32 years NCB, a lady reversed into my (parked legally) car with me a mile away visiting my terminally ill Mother in hospital and despite her insurers paying everything and advising that I did not have to go through my insurance at all it just cost me £350 more to insure my car because the third party insurer reported it to the MIB as a No Fault accident. The Motor Ombudsman should do something about this scam as it will follow me for up to 5 years.

Here's one I was told by my INS co "premiums have substantially increased due to inflation, increased parts and labor costs, and more claims by other people, increasing our costs, which we gladly pass to you to cover our costs. Thank you for your business." Never had a claim, yet price goes up.

Hi Jack. I had this happen to me last year. I WAS insured with Admiral on my £500 vw polo and someone hit me from behind while I was stationary at a roundabout. I got the guys insurance details I informed Admiral about it and said I'd take it to a body shop to get an idea of the cost (only minor damage). 1 week later I left it on the road outside my house to let it dry after washing it before taking it to the body shop, I was inside the house when door bell rang and it was a friend of the neighbours who lived opposite and he said "sorry I've just reversed into your car". They admitted liability and I got their insurance details (more serious damage this time). I informed Admiral about it and they said that the last claim is the one they use as you can't process 2 claims on the same vehicle at the same time. Admiral would write the car off so I agreed with the guy who caused the second damage to pay me privately. I informed Admiral that I'm no longer claiming and they said it would only be noted down as an informed incident and not a claim. 3 months later my renewal came through and it had literally doubled since the year before. I phoned Admiral and after hassling the agent for an answer he admitted that the double recorded incident (not a claim) would be the main reason why the renewal had doubled. The motto to this is DO NOT put in no fault claim unless you have major damage to an expensive car that the 3rd party isn't willing to pay for privately! There is a real danger now that people with low value cars will not bother taking out car insurance at all because they know they won't use it anyway if someone hits them and they'll take the risk that they won't hit anyone. This is a really sad state of affairs and insurance companies need to held to account about this. Thanks for this video Jack and bringing this scam to people's attention 😊

I can tell you that this damage would cost 1000£ for sure in Switzerland. If you can get it fixed for 600£ you are lucky. I was standing at a red light in Italy. An idiot who had a car for 24 hours hit the rear ofmy big van and caused a damage of about 2500£. I waited nearly half a year, nobody paid for the damage. My insurance and myself tried many times to settle the case. Then I had to involve a lawyer and even he needed many attempts until the inurance of the guy finally accepted that they had to pay. At the end they did. They had also tried the: "Let our body shop fix it" trick. The car had been repaired many months before after a professional apraiser had inspected the damage. And as a former body shop employee I fixed most myself. Only the paintjob on the rear bumper was made by someone else. Some insurances try every trick possible to escape their responsability. To make matters worse, I had been a good customer of this very same insurance for many years until I had finally realized that they were much to expensive.

Happened to me! My new Cupra Formentor (6 months old) was hit by a bus WHILST I was sitting in my house watching TV! The bus driver accepted full responsibility but the bus company (sounds like sage post!!) refused to pay a penny (total bill £6550) for over 6 months! My insurance was then up for renewal 7 months later and even though my insurance accepted that my claim was a no fault claim because they hadn't received "full reimbursement of costs" my new policy went up from £225 to £650!! They eventually paid up days before I had to pay for my new policy and i eventually paid the lower amount! Very few people realise that this happens...you are totally at the mercy of the system and even though you are totally (as in my case) faultless you still can get penalised! Thank you for making people aware of this....

I've news for you Jack... it's even worse than that. Even if no claim at all is made and you've been involved in an accident [fault or no fault] you need to disclose that to your insurer who will see you as an increased risk and up your premium at renewal !

Motor insurance in this country is a racket. A government backed racket. No question. An example not covered in your video.... A few years ago (maybe three) a woman coming in the opposite direction in a single track lane refused to give way by reversing. This IN SPITE of the right of way being mine as I was the vehicle going up hill. A queue soon built up and another driver explained this to the crazy bint (er, I mean 'woman') and she eventually had to reverse three car lengths to a passing place so that I could proceed with my car and trailer. With me so far? Well she must have reported the (non) incident to her insurance company because according to their database some sort of claim was made and I am duty bound to acknowledge it, raising my premiums. There was NO collision, NO damage to private or public property and obviously NO injuries to anyone involved. You work THAT one out !!!

Another one with insurance is to make sure you check your documents; my policy was cancelled, and I was to be reported for fraudulent activity, what I had actually done was, I was one day out on the birthdate i.e. put the 28th as opposed to the 29th, the policy was cancelled my premium went up by £500 whilst I agree to the letter of the law I was at fault but there was no actual financial gain on this oversight. I actually managed to go through a broker who explained the situation to the underwriters and I actually ended up with a cheaper insurance premium

Indeed outrageous, it's like telling any driver: "It's your fault for driving or even being there at that particular moment" . Sad but true reality

I wanted to cancel my car insurance (we sold the car as we didn't need it) I had paid the premium up front in 1 hit, I had 5 months insurance left on the policy. Spoke to them (aviva) and was sort of expecting some money back, what I actually was told was. To cancel the insurance policy incurs a penalty payment, so I would need to pay them £86 to cancel the policy😮😮😮 I told them that's daft, they have no further liability or risk. In the end I told them to let the policy run, but had I known this I would have " accidently hit a post and done a few quids damage (fully protected no claims and due to my wife getting a motability car,and my company van) I won't be insuring myself for the forseable future. And insurance companies wonder why we don't trust them.

2 weeks ago Sunday just gone, my wife's car was from stolen from outside our house between the hrs of 00.30 and 03.30 . it was recovered by the police but it was damaged, therefore recovered to a repairer, after 3 days it was cleared by SOCO, meaning that I could examine it, I am retired but was a panel beater for 48 yrs, therefore totally capable of making the decision that it was an uneconomical repair, insurance claim made, insurance confirm non repairable, insurance company pay out as per policy BUT it now goes through as a FAULT claim. No courtesy car over the 2 weeks and there will of course be an increase at the renewal date of the replacement car, that I have had to purchase. Reason given, no one the recover the cost cost from.. Not a happy bunny.

I've always said that insurance companies are legalised gangsters. They're loan sharks with a licence. With it being legally mandatory for us to have insurance, is it any wonder why those companies get away with what they do. The insurance database they all share "for fraud" purposes, is more used for profit than anything. I detest them all.

I'm so glad you've highlighted this Jack... Motor Insurance is one of the biggest legalised scams and it has always been thus! I worked at my friend's body shop 30 odd years ago and it was an eye opener believe me! You haven't even touched on the cost saving, (doubious practices) they insist on like, using non genuine parts and even botching repairs to bring the overall price of the repair down. Your policy isn't worth the paper it's written on!

They've always said that "No claim" doesn't mean "No blame". You are always blamed to some degree. and that "degree" is financial.

my car was parked in a company car parking space. a 13 car transporter reversed over the pavement + clobbered my car, then tried to drive off, but i saw him out the window, stopped him, he admitted liability + he got a claim form for me out of his truck. this claim [which took 4 months to sort] is now recorded on my history, seemingly it was my fault to park in a car park where HGV trucks are banned from entering, after paying the extra premium for travel to + from work, + parking in a car park...

Insurance companies can get away with this because politicians don’t regulate the insurance industry, politicians probably getting an incentive not regulating them.

My elderly neighbour reversed his car at full speed across his drive into my car pushing it sideways into my wifes car. Both our cars were not in use. My car was written off, and my wifes car needed repair. We both claimed against his insurance and now both our premiums have gone up because statistically its more likely to happen again - its essentially an accident black spot. Insurance is a licensed scam.

This happened to my wife when a car jumped a red light and totalled her car. Not only did she lose no claims and had a raised premium (even though full recovery was made from the third party). Her premium was raised because she was seen as a greater risk even though she did nothing wrong. Not only that but as she is named on my insurance for my car my premium was also increased next time I renewed. Unbelievable.

Rules are simple in the UK. There's only 1. Don't have a crash. And if you do fix it yourself

The insurance industry and all associated (courtesy car companies etc) are scum, someone went into the back of me while on her phone, hardly any damage, van off the road for a week for a new rear bumper, supply van billed to the insurance at over £800, total cost of non fault claim, over £3100 ! My insurance has doubled, my car insurance has also doubled, my son's insurance is over £4k for his £2k car.. I hate them with a passion.

Hey Jack, I got hit in the back at a roundabout last year and never went near the insurance as i have three cars and all of the insurances would go up. Insurance is a total joke!

Great video Jack, keep up the good work !!! My Mother had he car bumped on the street while it was parked up and the person drove off. Fortunately someone took his Reg and we reported him. He got in touch and claimed on his insurance to have her car repaired and all sorted so we thought. When my Mum renewed her insurance her premium increased by £150 for a 'no fault claim' that was placed on her file history. We were double shocked as they said that 'fortunately on this occasion her NCB would not be affected' OMG !!! This is an absolute disgrace and clealry the PRA and FCA are not doing their job regulating these 'fraudsters'. Because we have to have insurance it's a license to rip us ALL off !!!!

Not to mention the cosy and expensive arrangements with garages, recovery agents, salvage operators, accident management companies, personal injury solicitors, etc. Add in the nonsense that you can only have NCD on one vehicle, you can drive someone else's car 3rd party, so fully legal, but only if that car is covered on its own policy as well. Absolute rip off industry.

I think that most people are under the misapprehension that if you behave reasonably and honestly, you'll be treated reasonably and honestly. Unfortunately that's not the way things operate in this day and age: your insurer is there to punish you and squeeze you until the pips squeak- just like your utilities provider or your local council or your vet, etc, etc

To add insult to injury; if you have a car that cost a couple of grand and it requires £600 of repairs, it'll probably be written off...

its worse than that. I was hit in the rear by someone but thankfully the damage was reasonably light. They admitted the fault, gave me all their details and said they would prefer to pay me out of their pocket. I phoned my insurer (stupidly) to discuss this. The guy on the other end was of little help basically said "do what you want - its up to you" but then proceeded to tell me that this conversation would go on my file as part of my "claim history" and sure enough 9 months later I was hit with an increase which they said was because of that even though the guy was as good as his word and paid up and the car was repaired. They are a terrible terrible industry that is a long way away from being properly regulated.

For the years post-Compare-the-market, insurance companies have taken a bit of a spanking, since it makes financial sense to change your policy each year for the cheapest. So these sorts of insurance Co scams will continue as they claw back their profits.

Yes, insurance companies in general are a bunch of thieves! My wife had a stone thrown into the windscreen of her car by a passing lorry. The damage done required a replacement screen. This was recorded as a claim by my wife's insurance company, and sure enough, come renewal time, the claim did affect the premium....

Thanks for this video highlighting how corrupt insurance is. I've always seen it just as a legal necessity to drive, rather than a reliable product you're paying for. It really should be better monitored by government to stop these ludicrous clauses, that inherently make the product worthless.

I've never once thought car insurance was "a bit of a rip off". It's obviously fkng massive.

We all have to have insurance... Insurance companies are a bunch of pirates especially in the UK.. The premiums are ridiculous and they always try to slope shoulders. Sinful.

There is not such thing as a no fault blame -- insurance will always go up if you report a accident no matter if its your fault or not. Insurance for cars is a giant scam. What has made it really bad is the courtesy car costs ; both the fault driver and the none fault driver will have cost and both will try to put it onto your policy. Because of thses cost they will write cars off at 50% car value . The insurance business is a total rip off.

It makes sense because insurance companies belong to the same club and are happy to benefit the industry rather than work on behalf of the policy holder. An example of this is 50/50 when both of the policy holders lose out.

Car insurance is one of the biggest scams going. You pay for a service and when you need to use it (once maybe twice in a life time) they try to get out of it using any technicality.

He was unlucky to be hit by another driver .Insurance companies don't like unlucky people.

War on the motorist as usual and the government welcomes it rather than stopping this abuse of innocent people.

I was told by an ex when she worked for an insurer, "Premiums are loaded 10% non fault, 20% at fault and 25% for 50/50 as neither insurer knows which policy holder lied"

Have gone through this with insurers in the past and it just proves they will do anything to avoid paying out or they'll make sure there is minimal loss to them financially. Another policy which gets to me is when they write off your car if it is uneconomical to repair they will charge you the salvage cost if you decide to keep your car. Utter madness!

What the large print giveth, the small print taketh away.

I've had my car for 12 years and always just had 3rd party only. It doesn't sound like I'm missing out on much!

Yeap I had exactly the same thing where someone ran into the back of me and it all went through their insurance company - but the for the next 5 years my premium was higher as a result. What's really annoying is that if you are at fault then you have to pay and hopefully you will be more cautious in the future. But when it's not your fault what is it that you can supposedly do to prevent someone else hitting you - other than say maybe "not driving or even owning a car"!!!

How are people not in open rebellion against stuff like this in England is beyond my comprehension. Indeed, you have to pay everyone and you get nearly nothing for it!

In Sweden there's a mandatory insurance that pays for damage caused by you/your vehicle to a third party car or even their property. The non guilty party will be covered by that insurance but you own car would only be covered if you've chosen that option at a rate, obviously. This has (if I'm correctly informed) been in force for almost 100 years.

Even if you settle between parties and not involve your insurance company, I understand you are still obliged to inform your insurer that you have been involved in an accident ?

I've had 4 non fault claims since 2012. One claim made no difference to my insurance but two in the same 5 year period did. I have never lost no claims bones and I always go though the third party insurance company as I have a camera on my helmet, sent them the footage and I get a phone call in a matter of hours. I never use my own insurance company, the first claim I did use them and when I went to renew my insurance they listed it as a fault claim because it hadn't been settled yet. Luckily the third party insurer wrote me a nice letter explaining that it was definitely there fault and I was completely innocent of any fault. Delayed my insurance by over a week.

last day prior to renewing insurance .I got side swiped .the person who hit me reversed up a footpath and grass verge onto the road and into me . drug dealer pick up .Police involved .Because the police didn't nick him for an driving offence .my insurance refused to pay out and my vehicle was a total loss to me .. Thanks AVIVA

Great item 😊

Soon in EU insurances wont insure ICE cars any longer from 2030 on

I had similar situation - Deal with the 3rd party insurance only, not your own. Its in their own interest to deal with you directly to keep costs down.

I had a motorcycle stolen and recovered it myself and didn’t claim a penny but my insurance went up because I’d reported it to the insurance before cancelling the claim. What a tip off.

It's basically "wrong place, wrong time" tax! About 10 years ago I had parked my 300ZX in a carpark and came back to see a large Elgrand reversing out of a space then start to drive off. When they saw me walking towards the car they sped off screeching out of the junction narrowly missing a car. On checking my car it had some damage to the bumper (I think the parking sensors had missed the front of the car with it being so low and they bumped it). I spoke to my insurance company to notify them and they reached out to the council who advised there was camera footage, but it was "too grainy to make out the number plate". I told my insurance company I didn't want to pursue the claim on my own insurance. Fast forward a few months and on taking out a new policy on my main car I was told the system was showing that I had made a claim in the past 3 years, which I had not. I'm not sure if it is still the same, but it turned out both insurance companies told me that if you report an accident it goes down as a claim on your policy, even if you don't make a claim!

Wife was hit from behind recently. Minor damage to her bumper and the 3rd party insisted on paying for the damage and didn't want to go through insurance. We got a quote, he paid up and we got it fixed for £571. No insurance admin, no having to declare it for the next five years. Simple. And the car got washed and valeted.

I simply enquired about making a claim, which I didn't actually do in the end, back in 2002, and they penalised me, and hiked the premium significantly the following year. Rang them at renewal time, and that was the reason given for the increase....a simple enquiring 'phone call. Obviously told them to swivel.

I hit a patch of diesel pulling away from a roundabout on a dual carriageway, spun and left the road backwards, writing my 20 grand car off. The Police said they were not going to close a dual carriageway to inspect the road as nobody else had crashed. So I had to claim on my own insurance, and it took weeks of arguing with them before it was sorted. This was my first claim ever, in over 35 years of driving. My insurance costs more than doubled on my next car.

Not only that! If you NOTIFY your insurance of an accident, and DO NOT CLAIM, they still consider that a claim! Absolute crooks all of them.

It's the same in Australia. I noticed a few years ago when I would call up to get a quote for insurance, they would ask "How many motor insurance claims, regardless of fault, have you had in the last 5 years?". It puts the quote up if you say yes.

My father was in an occupation that 'loaded' his insurance and was very careful to avoid letting his insurers know about any damage to his car from a 'no fault' collision. I can remember an occasion in the early 70's when someone reversed into him (having being forced to stop and back up for an oncoming car in a quiet, residential street), he was having none of the "OK, let's exchange insurance companies", left it for the other driver to sort out with _her_ (sic) insurance. However, that was then this is now, I know that for many years insurers have worded their contracts to stipulate that you inform them of any and all 'no fault' claims on pain of invalidating your cover, but I've always wondered how that would stand up in court, because I don't believe it's mandated _by law._

It is utterly outrageous. I had the same thing. My car was parked legally in a designated car parking space. I wasn’t even in the car. Someone reversed into the front of my car culminating in about £1,500 worth of damage. She admitted full responsibility and her insurance paid for the repairs to my car. However, I subsequently lost my 10 years NCB and my premiums doubled. I’m furious 😡

THIS is very interesting and instructive. If all insurers have the same caveats then the consumer has no "free market" options.

I've recently been caught out by this clause in Australia, where a major "enthusiast " insurance company removed my daughter from my policy because she had the temerity to be tailended twice in 12 months.

@6:27 All I was thinking ! Was Tim’s shelf was going to collapse !! ?? 😂

This industry needs a complete and thorough enquiry/overhaul, complete minefield for us consumers.

I don’t know how it works in the UK, but I just retired from working several decades for a few of the largest insurance companies in the US. First thing to know: The insurance lobby is one of the strongest in the country alongside oil, agriculture, media, and pharmaceuticals. The individual consumer has no voice. The various companies compete with each other very strongly, but only on price. Some third party ratings are published by organizations like Consumer Reports, but each of the 50 United States regulates insurance separately! So a policy sold in New York may be unavailable in New Jersey, making comparisons difficult. “After-sale” service is really tough to track. Reputation and word of mouth is about all you can go by. Recently, the largest company specializing in current and former military personnel and their families was exposed as having ruined many people’s jobs and lives by taking no responsibility for fraudulent activities perpetrated against the customers. It is disgraceful.

Great useful video which will retain in my brain forever! Also nice to see a simple video with no clickbait or hidden adverts

I am a former paramedic. We arrived at an address one night, my colleague got out and I parked the ambulance. In doing so, I backed into someone's car and damaged their hatch back door. No damage to the ambulance. I tried to find the owner of the vehicle with no success. I couldn't leave a note as it was hoofing it down, so I contacted the non-emergency police line and reported the incident to them should someone contact them about the damage. My premium for my private car, later that year, increased considerably. When I I enquired, it was because of that claim! Being honest about an minor accident in a works vehicle hit my personal insurance. It left a bitter taste in my mouth and I seriously considered, if it ever happened again, whether I would be quite so honest again.

I’ve also suffered in the same way when my daughter, driving my car, was rear-ended. Simple process, minimal damage resolved directly by the 3rd party’s insurer. But 3yrs later I’m still being penalised on premiums because it’s on the Motor Claims Database as a No Fault claim. I made no claim(on my policy), notified insurer for information only (as you must) and the accident didn’t even involve me!

I parked my company car on a hill a couple of years ago. The handbrake failed on the car in front and it rolled into my car. Bumper damaged, full admission by other owner, all costs recovered. Got rid of company car, bought a car and took out insurance with Tesco. Forgot about the incident completely and didn’t mention it in the application - insurance was £310 on the new car. 2 weeks later Tesco are chasing me for an extra £60 because they were told by the company about this incident!

My good friend Elaine got clobbered by just the same from her insurance, and not by a small amount either. They tried tripling her renewal! The hate is now so strong it’s getting in the way of me riding my motorcycle ever again, and it’s not even something I was personally involved in!

Jack, this happened to me a number of years ago, third party was deemed to be at fault, my car was written off but I kept the car and repaired it myself. Following year, premium increased because of the “non fault” claim, my car was listed on the insurance register which devalued it. Total rip off by all involved

Wife was in a village for an annual meeting. Stationary waiting for a tractor to pass, the tractor clipped her. Admitted liability (later denied, but had witnesses and cctv) this added 40% to her next policy. Not her fault, nothing she was doing, nothing to do with the area. Her no claim bonus (protected) was not affected. Put the risk and the cost where it belongs. In this case, the farmer alone should stand the cost.