I cant believe it, my car got stolen during the week. The police were really helpfull which surprised me but they did say that I probably wouldnt get it back and told me what I needed to do. I wasnt worth very much but thats not the point I bought it with my money what gives someone the right to take it.
I phoned the insurance company who didnt seem very interested and said that someone would get back to me well they finally did yesterday to tell me that I hadnt protected my no claims so I would lose two years if I claimed. I always say I want my no claims protected as I had an accident a couple of years ago. Even though I have fully comp most of the stuff in my car I couldnt claim for, I never realised that you were only covered for £100 personal stuff. All my boxing gear was in the car which on its own was worth £400. The ammount I can claim for compared to the ammount my insurance will go up in the next couple of years isnt worth it so I have to cut my losses which makes me wonder why I bother to insure my car at all.
Mary

God thats terrible, thats my worst nightmare!
Why do people have to do things like that?!

Check with your home insurance, they should cover the contents of your car. Mine does. No help for the car but you might get something for your gear. Sorry to hear this. Having had my house burgled 3 times and my car twice I know it's so much more than the cost of the items that hurts.

Oh Mary, thats awful.
People that do things like stealing cars, burgle, etc just don't think about the upset/stress/worry etc that they cause. And if they do they don't care :(

Sorry about your car. Hopefully it was just local kids and it might turn up. As for protecting your no claims bonus you cant untill you get 4 years or more and they charge you extra for it :rolleyes: If its not worth claiming then just cut your losses and move on. House insurance might cover you it all depends on your level of cover and if you have personal belongings cover. At least its just the car and not your home it could of been a lot worse.

I have 5 yrs no claims and as soon as I could I got it protected it, thats why I am so angry that they now say it isnt.
Mary

I have 5 yrs no claims and as soon as I could I got it protected it, thats why I am so angry that they now say it isnt.

Very typical I'm afraid.  I only insure what I have to by law, not out of choice. :(

My neighbour has been fully comp (protected) with a reputable company for 9 years with no claims.  He was recently hit while stationery.  You would think that the other driver's insurance company would repair his car?  No.  They said that it wasn't worth the cost, wrote it off and gave him £300! :(  Now while I understand that the repair would have cost more than that, he'd been paying nearly that in annual premiums and they hadn't told him to insure it 3rd party instead - they just took his money!  And he'd spent £500 on it in the past year on new tyres, exhaust, battery etc because he couldn't afford to change his car.  So after 9 years of paying his money with no claims, and being in the wrong place at the wrong time when another driver wasn't looking where he was going, he's now going to have to take a loan for another car so that he can get to work! :(

According to the Motoring correspondents in the papers, in these circumstances he can refuse to accept the insurance company's offer because he's entitled to be left no worse off than he was the second before the impact; in other words he can claim the cost of a roadworthy car in similar condition to his - which of course will cost more than £300. He needs a solicitor.

All done and dusted I'm afraid.  He enquired about Solicitors but they wouldn't take it on because of the low cost involved and the insurance company sent him adverts for similar cars in what they said were in similar condition.  :(  He has angina and couldn't cope with the worry and so agreed after 3 days when they were going to take his hire car away!  He works nights and can't use public transport.  He's now stressed about the loan that he can't afford. :(

It's an absolute pain, because we've been stung like this too, and only found out too late that we could have challenged them. My husband's car was hit from behind when he was stationary in the correct part of the road, indicating to turn right. His car was written off (having had £400-worth of repairs done only 3 weeks before :rolleyes: ) and the insurance company said it wasn't even worth market value of a similar aged and mileaged vehicle because "the seats were dirty"! This was his work car, that the dogs never went in, and wasn't used for carrying anything mucky. So, a warning to everyone - make sure you have your car valeted inside and out before every journey! It's scandalous that law-abiding people get conned by big business.

poor abbymum, these people that take our cars just don't stop to think of all the stress and heartache it causes us do they.

I was shopping with my friend and her toddler and baby, luckily I had driven to town to meet her as after our shopping trip her car was gone,:-( she would have been left with a baby and toddler and loads of shopping to try to hump around town and on buses the inconvienience of not having a car when you are used to it is awful and for just going shopping and getting to playgroups and all sorts of everyday things you take for granted, become long drawn out nightmares.

They don't care how you are now left without a car and have to now rely on public transport, we always loose out with the insurance companies too don't we, you never get back enough for the car you had.

I hope that your car is found, and if not that you have good friends to help out for a while.

I'm really shocked, until I read this thread I always thought that people who didn't insure their cars were really bad no marks with no morals and no sense of responsibility, now I can't help wondering if some of them have been stung like this and have just decided not to be ripped off again :( :(   when you think of it, the insurance companies have us by the short and curlies, we have to insure by LAW!! - so they can do and say what they like with virtually no comeback 

Yep!

This board really is an education isn't it?  And not just about dogs. :(

It really is! :(

And when I joined I actually thought it would help me become less cynical, having a idea of other people's views on a broad range of subjects :rolleyes: - I'm twice as bad now and getting worse by the day :rolleyes:

When my car was written off - again stationary - hit from behind, and I was offered less than "market value" because it was muddy and messy inside (mum's taxi - taking half the football/netball/rugby teams/scouts/brownies etc) - I apologised ......said that if I had known I was goin to be involved in an accident that day I would have had it valeted :rolleyes:   I kept arguing the point and eventually managed to squeeze another £450 out of the insurance company!

And they wonder why there is such a thing as insurance fraud :rolleyes:  The companies themselves are almost as dishonest as those who "arrange" to have their cars stolen!   (and I'm not insinuating that about you, Abbysmum - but I know that it is done!)

Margot

Thats what me my friend said, because it was an old car they probably thought that I was lying and arranged to have it stolen. If I was going to do that I would at least have taken my stuff out of the car as the contents were worth more than the car. Lesson learnt I wont be leaving anything in the car than isnt screwed in when I get a new car.
Its the hassle of it i need to get to work and cant use public transport so i am having to rely on friends to take me places or walk, I suppose i should look at it as I am going to lose weight.
Mary

Just seen this.

My car was stolen when my kids were younger.  It wasn't found for nearly a week (so the police say but I don't believe that as it had been in a pound for a few days accumulating a daily holding charge).  The morons who stole my car had a high old time and did a lot of damage to it causing the insurance company to write it off.  They also stole/dumped all my personal items that were in the car including a baby buggy.  These were covered by my house insurance, thankfully, and I was able to replace them.

The cost of replacing the car far exceeded its worth and I  had a long and stressful wrangle with the insurance company over this and in the end they allowed me to have the car repaired.  I managed to get the car repaired cheaply but to a good standard with the money the insurance company eventually gave me.  It taught me that you get what you pay for and I ditched the insurance company as soon as I could as they gave me a lot of grief over the car and took months to pay up, which meant all the while I had no car.  When OH was in a serious accident that wrote off his car his insurance company paid up within a week of the accident.

You probably don't want to get it back.  A friend got his stolen 4x4 back.  It had been taken by two youths to a local dirt bike course, driven around, bashed up, ended up flying through the air to land with the undercarriage on the top of a knoll but none of the four wheels touching the ground.  They couldn't get it off the knoll so abandoned it, still running, where it sat till it ran out of gas.  Amazingly, it did not light the dead grass on fire.  Would have been better for friend if it had burned up because it was pretty new and his insurance paid mega bucks to get it repaired.  Of course it never worked right after that and friend traded it in on a new one as soon as he could.  All of us who know this story are wondering, what poor sucker ended up buying that jeep?