I was with Markerstudy via A-plan previously. After advice on here and reading up on Defender2 I decided I would not renew with them. A-plan themselves are good though, so hopefully they will help sort it out. Current: Discovery 3 06MY (55 reg) HSE Auto Zambezi Silver Allisport Fast Road Intercooler, V8 Brakes, Silicone IC Hoses, EGRs Blanked, Remapped, De-Cat pipe, FBHIC
Freelander 2 2007 HSE Manual Tambora Flame
Previous: FL2 56 reg SE Manual Black (written off )
Disco 3 06 reg B7S Manual Rimini Red
Disco 2 TD5 Y reg ES Manual Blue - Chipped
Several Discovery 300 TDis
6th Jan 2016 1:29 pm
tonywolf
Member Since: 19 Apr 2013
Location: Plymouth
Posts: 312
dubbs wrote:
It may not have affected your NCD but it is now registered as a £14500 claim against you in the insurance databases and renewal insurance premiums WILL be affected as a result. Sure they will apply NCD afterwards but the actual underwriting calculation will now be much higher to begin with.
Jump on a comparison site, you'll have to add insurance claim details in the appropriate section regardless of NCD - watch the premium rise
Sorry to add bad news but unfortunately we had this and it took 4-5 years for me to get cheap premiums again
If the money is recovered from the other insurers, it is no longer a claim on your policy though, and should not be recorded as such.
That said, though no doubt insurers would deny it, just about any hint of a claim anywhere is reported to result in a rise of sorts , though I'm pleased to say I have not observed any increase in our policy since the FL2 accident. Current: Discovery 3 06MY (55 reg) HSE Auto Zambezi Silver Allisport Fast Road Intercooler, V8 Brakes, Silicone IC Hoses, EGRs Blanked, Remapped, De-Cat pipe, FBHIC
Freelander 2 2007 HSE Manual Tambora Flame
Previous: FL2 56 reg SE Manual Black (written off )
Disco 3 06 reg B7S Manual Rimini Red
Disco 2 TD5 Y reg ES Manual Blue - Chipped
Several Discovery 300 TDis
6th Jan 2016 1:52 pm
dubbs
Member Since: 18 Apr 2012
Location: Gloucestershire
Posts: 3626
You are asked to register all claims, fault or not fault, amounts etc.,
Unfortunately the use any siding excuse
Try a comparison site, put your NCD in then try quotes with and without the claims history.
It has to be disclosed either way, they ask details on fault, reasons and who paid
Hopefully it won't affect you to much, I had a BMW M6 stolen from me by breaking in to my house for the keys.... So not exactly same as you but not my fault and insurance paid.MY15 DIY Black Pack (Better than factory and half the price!)
Prospeed rock/tree sliders w/steps
HSE Winter wheels
TransK9 B24
Travall Cargo Guard
Hatchbag
6th Jan 2016 2:20 pm
VVS210
Member Since: 05 Aug 2015
Location: Hampshire
Posts: 507
Sounds like Tony is handling all this a lot better than I would! My experience of insurance companies over the years is not good I'm afraid.
I left my previous insurer, Admiral, in November after they insisted that the risk used to calculate base premiums (i.e. before NCD was applied) was the same for SWMBO because she was hit by another driver as it would be if she had caused the accident. They doubled the premium for the F1 she drives and added 40% to each of the other cars which she is a named driver on... this despite the other drivers insurers (eventually) accepting liability and paying out in full.
So, who did I go to? - after reading posts on this forum and deciding I wanted to go to somewhere I could talk to someone who wasn't just a call handler I plumped for A-plan who have been very helpful and communicate well, however, they have got me three policies with Marketstudy, I hope I'm not going to regret that decision...
On a related note Tony, you must make certain that once this is all settled and the bodyshops insurers have paid your insurers back it is accurately recorded as so on the CUE database & that the details are correct - this is a database used by all insurers but like any database the data on it is only as good as the people who put it on there in the first place! Might be wise to keep a copy of any paperwork you get as confirmation in case it's needed later.
ATB and hope you find a suitable motor as a replacement.D4 - Stornoway Grey
D2 V8 - Zambesi Silver (rust free JDM import 😎)
FL2 - Sd4 HSE
110 Td5 DCPU - Bonatti Grey - sold
FL2 Td4 - Zambesi Silver - sold
D2 Td5 - Epsom Green - sold
F1 Td4 - Giverney Green - sold
90 300 Tdi - White – sold BIG mistake should have kept it!
F1 Td4 - written off by a taxi!
D1 300 Tdi - written off by a Fiesta...
D1 200 Tdi - sold
90 Turbo Diesel - sold
Ser 2a SWB - sold and glad I 'got rid'
Ser 2 SWB - sold but wish I still had it!
6th Jan 2016 2:21 pm
RandomKamikaze
Member Since: 10 Dec 2014
Location: Berkshire
Posts: 448
I've also just taken out a markerstudy policy through A-Plan. A-Plan were excellent, just hope I don't need to find out how good (or bad) markerstudy are.
Have you started the search for a replacement yet tony?Disco gone
6th Jan 2016 9:47 pm
Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
Insurance companies, probably only 2nd to Estate Agents on peoples hit list. Appologies to any Estate Agents on here
But in fairness to the insurance company that settlement figure is very generous. Never been through the experience but from what I've heard they generally offer you approx 50% of the market value and much negotiating ensues until a compromise is reached.
Good luck with whatever replaces the D3 Discovery 4 HSE
SDV6
2015
6th Jan 2016 10:09 pm
tonywolf
Member Since: 19 Apr 2013
Location: Plymouth
Posts: 312
VVS210 wrote:
Sounds like Tony is handling all this a lot better than I would! My experience of insurance companies over the years is not good I'm afraid.
I left my previous insurer, Admiral, in November after they insisted that the risk used to calculate base premiums (i.e. before NCD was applied) was the same for SWMBO because she was hit by another driver as it would be if she had caused the accident. They doubled the premium for the F1 she drives and added 40% to each of the other cars which she is a named driver on... this despite the other drivers insurers (eventually) accepting liability and paying out in full.
So, who did I go to? - after reading posts on this forum and deciding I wanted to go to somewhere I could talk to someone who wasn't just a call handler I plumped for A-plan who have been very helpful and communicate well, however, they have got me three policies with Marketstudy, I hope I'm not going to regret that decision...
On a related note Tony, you must make certain that once this is all settled and the bodyshops insurers have paid your insurers back it is accurately recorded as so on the CUE database & that the details are correct - this is a database used by all insurers but like any database the data on it is only as good as the people who put it on there in the first place! Might be wise to keep a copy of any paperwork you get as confirmation in case it's needed later.
ATB and hope you find a suitable motor as a replacement.
Well noted and sound advise thanks, and thanks to all for your supportive comments. Ive just put an offer in on a 2013 RRS, so I pinged A- Plan late last night, so Im waiting in anticipation on the quote I get. Hoping its not to outlandish.Regards Tony
7th Jan 2016 3:47 am
tonywolf
Member Since: 19 Apr 2013
Location: Plymouth
Posts: 312
dubbs wrote:
It may not have affected your NCD but it is now registered as a £14500 claim against you in the insurance databases and renewal insurance premiums WILL be affected as a result. Sure they will apply NCD afterwards but the actual underwriting calculation will now be much higher to begin with.
Jump on a comparison site, you'll have to add insurance claim details in the appropriate section regardless of NCD - watch the premium rise
Sorry to add bad news but unfortunately we had this and it took 4-5 years for me to get cheap premiums again
Just had a quote from A plan for my RRS, its in the £1000 mark, thats kinda doubled :blue: Ive gone back to them to verify on the insurance database that the money is or isn't registered against meRegards Tony
9th Jan 2016 11:15 am
Gazellio
Member Since: 09 Jan 2011
Location: Chilterns
Posts: 4130
Remember the RRS is worth a lot more than the D3 so a greater liability to the insurer. Especially for somebody who leaves the country and leaves his car unlocked...
9th Jan 2016 11:25 am
tonywolf
Member Since: 19 Apr 2013
Location: Plymouth
Posts: 312
Hmmmm, Im not even rising to that one!!Regards Tony
9th Jan 2016 2:08 pm
Gazellio
Member Since: 09 Jan 2011
Location: Chilterns
Posts: 4130
10th Jan 2016 10:27 am
tonywolf
Member Since: 19 Apr 2013
Location: Plymouth
Posts: 312
Ive actually got a better insurance quote for the RRS from esure, and they haven't asked to fit a cat 5 tracker , unlike Marketstudy Regards Tony
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
Allisport Fast Road Intercooler, V8 Brakes, Silicone IC Hoses, EGRs Blanked, Remapped, De-Cat pipe, FBHIC
)
, though I'm pleased to say I have not observed any increase in our policy since the FL2 accident. 
use any siding excuse 
