Tag: no claims bonus

Day 1253 how to loose 23 years no claims in one easy lesson

Ok so I lied. I said that once I’d explored every avenue, trying to get my no claims bonus reinstated….. if it didn’t work, it would be ok.

It is not as ok as I thought it would be. (great English, I know!)

I’ve cried through sheer rage and despair at the ridiculousness of the whole situation.

I guess, in true ME fashion, I have to use this as a warning to other people.

My life is going really well just now and I can’t let the sheer frustration of this, bring me down.

So be very careful if you buy a car while you still have another car. I realise that this doesn’t happen very often and it only happened to me because I had a redundancy payout to play with.

When the insurance company offers to mirror your no claims on your existing policy…. It’s very lovely of them as it gives you a bit of a discount. You get very excited and grateful as you are unable to prove your no claims as it’s still in use on the first car policy.

You accept their cheaper quote and move on.

When you sell that first car you MUST send the mirroring insurance company your no claims from the cancelled policy.

When I sold my last Beetle, I had no idea and didn’t send them any proof of no claims. They never asked for it as they say, they assumed I still owned the first Beetle.

They will not add the mirrored no claims bonus to the 3 years that I gained with them.

After driving carefully for 26 years I have 3 years no claims to show for it. I’ve paid for protected no claims all of my life.

For nothing.

It would cost them NOTHING to add the years together on one letter. Hey I’d even pay them and admin fee to do it.

Computer says no.

I put in an official complaint which was answered in 15 minutes (it takes longer to get through to them on the phone).

Manager escalated to Manager and escalated to Underwriter.

Computer says no.

Gone.

My Bertie Beetle insurance will double.

I should have read the small print they told me.

All my fault.

So I missed out on a lovely evening swim with Ellison tonight as I argued (very politely I should say) with the insurance company.

I did, however, make it to Kinisi-flow in the village hall. It was lovely and I forgot my irritation for an hour or so.

I’ll get over it.

I’ll never do it again.

Sorry for the moan.

It’s been a beautiful day today. Blue skies. I got sat out at lunchtime and it was lovely.

I’ve wasted too much time on insurance.

One last thing is to find a new policy with my 3 years no claims and be done with it.

Here are the girls in the garden this evening.

Stay safe everyone 🫶🏼🫶🏼🫶🏼

Day 1252 a fairly normal day!

It’s 7.07pm and I’m sitting in front of the tv bonding with Khaleesi.

Bless her wee cotton socks. She’s such a sweetie!

I had another great sleep last night, we went up around 8.30pm. Back to early nights. I know I would have more energy if I did some more exercise but I can’t quite bring myself to do it.

I got up at 5.30 as Khaleesi wanted downstairs to see Craig. I got the dog food out the fridge and defrosted it in the sink as I had my shower… served it all up ready for the OG3 to come running down the stairs.

I fed Khaleesi.

I had 5 bags to take to the Cancer Research shop after work and Craig and I loaded them in to the back of the car.

By the time I headed back into the kitchen, all 3 bowls had been decimated!

I love how confused I was by that.

Really confused and couldn’t understand it until Khaleesi puppy nudged my leg!

Counter surfing is not something we’ve had to deal with much is as our 3 don’t have long legs…. 😂 lesson learned Mrs Four Breakfasts won’t get that chance again. 🤦🏻‍♀️😂🫶🏼

My drive to work was lovely…. Not having to watch for any potholes in the road is quite relaxing.

Last night I’d gone through all the Bertie paperwork and found that all the recent service and MOT was missing. I emailed the garage.

Pretty much first thing this morning they sent up all the paperwork and proved the car had been MOT’d and is due at the end of August 2024. Result. I’m really pleased as I was staring to think they had made it up…. Oh me of little faith.

I also had to use the wipers for the first time today and they were dragging really badly across the windscreen. So I messaged and asked for a new set to be sent up.

Boom they are sending them up!

The not such great news centres around the insurance. The no claims bonus.

Abbie’s insurance will only prove 3 years no claims. They say that when I took out the policy, they mirrored my no claims bonus that I had with my old Beetle. I bought the van in June 2020 with my redundancy and didn’t sell the old Beetle until October 2020.

I very vaguely remember this. At no point in time, in the discussion, did they warn me that I’d lose 23 years of no claims.

Currently I have lost 23 years of no claims.

I have to say that I don’t feel anywhere near as bad as I would have in the past.

I am irritated by the injustice of it. I still have a couple of avenues to follow up but it really isn’t the end of the world. It’s only a little infuriating. Jeez, what has happened to me?! I love it.

I feel calm about working every angle to resolve it. I don’t feel panicked about it. If the worst comes to the worst, I have to pay more money for my insurance. That’s not good, but it is ok, if that’s what need to happen.

I went home via Cancer Research and dropped off the 5 bags. I used to be sooooo anxious about doing that. Today… drive there… park… take them in… wee chat… back out… drive away. Easy.

I’ve folded away washing, done a poo pick, tidied the kitchen, filled the bins, put the blue cardboard bin out and cuddled with Leesi puppy since I got home.

As I cuddle her the other come up to sniff and say hello. I’m so proud of the way Craig managed their introduction. He’s done a great job.

The sky is lovely tonight.

That’s taken me 45 minutes to write and she’s still here.

Stay safe everyone ♥️♥️♥️