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Old Mar 17th, 2017, 21:21   #11
Clan
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Originally Posted by BARNEYROVER View Post
Parked up yesterday and just fastening granddaughter into car seat when an almighty bang at back of car and big Iveco van reversed into me. It went with a lot of force as threw wife and granddaughter forward. Luckily they had just got seat belts on and were ok. I dreaded looking at rear of car but couldn't believe what I saw. No visible damage, had a look underneath today and can`t see any damage so I recon got off lightly and that rear bumpers are much stronger than they appear..Reminds me of the old Volvos with sprung bumpers.
I wish i had £10 for every time i have heard that over the last 40 years concerning volvos ! There is a big beam across the rear just behind the bumper cover . It may have been pushed forwards a bit in the middle but i doubt there is any more damage , they will have to take the bumper cover off to check , If you have a towbar there is absorbent material between bumper cover and massive tow bar beam . ( the standard beam is removed when a towbar is fitted , only on new XC90 though )
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Old Mar 17th, 2017, 21:30   #12
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You are right to get it checked. The plastic "bumpers" are designed to spring back and can give the impression of little or no damage but can hide major structural damage which will have weakened the structural integrity of the vehicle.
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Old Mar 18th, 2017, 10:56   #13
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Not that I am aware of.
When I queried why it had been recorded as a "claim" they just said it was routine practice, and the info is shared with other insurers. They said it doesn't matter if it was a no-fault claim, I still had to declare it when applying for insurance.
That was more than 5 years ago so it isn't asked for now.

So I won't be doing that again.
If you are in an accident and it is the other persons fault and it is reported, your insurance premium will go up.
I have queried this strongly in the past and they just say although it was not your fault, we consider you a higher risk of having a claim. Although I think insurance companies commit robbery I can sort of understand their logic, for example:
If you are someone who brakes hard a lot and a car hits you from behind then it is their fault, but you increase the risk by braking hard all the time and it sort of indicates your type of driving style.
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Old Mar 18th, 2017, 11:05   #14
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If you are in an accident and it is the other persons fault and it is reported, your insurance premium will go up.
I have queried this strongly in the past and they just say although it was not your fault, we consider you a higher risk of having a claim. Although I think insurance companies commit robbery I can sort of understand their logic, for example:
If you are someone who brakes hard a lot and a car hits you from behind then it is their fault, but you increase the risk by braking hard all the time and it sort of indicates your type of driving style.
yes there must be some kind of logic in it .. I have managed to avoid any contact with other cars in 500,000+ miles over 40 years .. and by avoid i mean braking , or accelerating or making a steering diversion .. When you look at crash videos on you tube it seems many of the drivers make no attempt to avoid anything , There is time to do something about it , but they continue in a straight line and have their crash .
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Old Mar 18th, 2017, 11:07   #15
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yes there must be some kind of logic in it .. I have managed to avoid any contact with other cars in 500,000+ miles over 40 years .. and by avoid i mean braking , or accelerating or making a steering diversion .. When you look at crash videos on you tube it seems many of the drivers make no attempt to avoid anything , There is time to do something about it , but they continue in a straight line and have their crash .
Yes, also my motorbike days taught me to read the road ahead and I went on a course for company car drivers that taught how to have a good idea if the car at a junction had clocked you and not to arrive at the junction at the same time etc. All ways of reducing the risk even though it would not be your fault.
Any incident seems unfair, especially if it is an idiot, as even if it is not your fault, you lose out, with higher premiums, time and effort dealing with the incident and your car has been resprayed/repaired.
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Old Mar 18th, 2017, 12:26   #16
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If you are in an accident and it is the other persons fault and it is reported, your insurance premium will go up.
I have queried this strongly in the past and they just say although it was not your fault, we consider you a higher risk of having a claim. Although I think insurance companies commit robbery I can sort of understand their logic, for example:
If you are someone who brakes hard a lot and a car hits you from behind then it is their fault, but you increase the risk by braking hard all the time and it sort of indicates your type of driving style.
Perhaps - but when you are stopped at a red traffic light and someone drives into your rear ......... ???

Insurance companies are licenced to thieve. They're happy to take premiums from the vast majority who never make a claim, build enormous scyscrapers in the centre of most major capital cities, pay equally enormous salaries and bonuses to their executives based on their profits. Then when they are required to make a payout, instead of taking it on the chin, they increase premiums to pay for the payouts so that their profits, salaries and bonuses are not affected.
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Old Mar 18th, 2017, 13:39   #17
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Perhaps - but when you are stopped at a red traffic light and someone drives into your rear ......... ???

Insurance companies are licenced to thieve. They're happy to take premiums from the vast majority who never make a claim, build enormous scyscrapers in the centre of most major capital cities, pay equally enormous salaries and bonuses to their executives based on their profits. Then when they are required to make a payout, instead of taking it on the chin, they increase premiums to pay for the payouts so that their profits, salaries and bonuses are not affected.
Lol, now I have started something.
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Old Mar 18th, 2017, 14:27   #18
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Sorry 'bout that.
I feel much better now
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Old Mar 22nd, 2017, 12:31   #19
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Back end inspected at dealers yesterday and everything appears ok. One or two minor scratches which will polish out so think I got away better than first thought. Also got latest update installed whilst there, took a good hour. So far not noticed much difference.
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Old Aug 6th, 2020, 12:45   #20
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Originally Posted by AB-UK View Post
Not that I am aware of.
When I queried why it had been recorded as a "claim" they just said it was routine practice, and the info is shared with other insurers. They said it doesn't matter if it was a no-fault claim, I still had to declare it when applying for insurance.
That was more than 5 years ago so it isn't asked for now.

So I won't be doing that again.
Apparently if you have legal cover you can claim the increased premiums you will have to pay for the 5 years after a non fault accident from the 3rd parties insurance.

I only found this out after I have renewed my insurance following a 3rd party hitting my car while parked.

Also apparently it is not a good idea to deal directly with the 3rd parties insurance, you should go via your own insurance or a claims manager even if 3rd party insurance contacts you.
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