Car insurance drives me crazy

I drove into my house this week…which takes some doing.  The repair costs are somewhat eye-watering.  But I won/t be claiming it on my car insurance.  Because it will be even more expensive.

There is something not quite right about the state of the car insurance market.  But I doubt there is much point in consulting your solicitor, nor still going to the law society.  The problem I have is why do I need four car insurance policies for four cars?  It’s not as though I drive more than one at a time.

The other thing I don’t like about car insurance is that you can’t just insure your car any more.  Blink and someone has added breakdown cover to your policy.  Or legal services – presumably for all those accidents they don’t want you to claim for.

I wonder which is worse when you have a minor accident.  The knowledge that if you claim your policy will be hugely expensive for years to come.  Or the fact that the other people involved with your accident will be poised to make accident claims for compensation.  All in all it is quite a dilemma.

One thing you can be pretty sure of if you do bump into another car.  Your insurers will be getting ready to receive yet more claims for whiplash injury compensation.  I say this with the knowledge of someone who has done it himself

And the odd thing is – I did actually have whiplash.  I remember it well.  The M25 was busy – as usual.  The traffic ground to a halt – as usual.  And unfortunately, a Danish woman decided not to stop

Which reminds me of another thing I loathe about car insurance.  My car was a write off.  No problem for everyone else who was involved in the accident – they were all driving company cars.  But I was left car-less for weeks while I endeavoured to get a better settlement out of my insurer.  Needless to say I got nothing like what it cost to buy another car.

And that, in a nutshell, is why I don’t like car insurance.