As many motorists will have noticed recently insurance premiums have risen astronomically and many are asking why.
I have a theory.
In 2010, while driving to the shop one wintery evening I came to a junction controlled by traffic lights, and my light was red so I obviously stopped. To my left a Morrisons truck also stopped. On getting a green light, I pulled forward a bit as I was turning right and traffic coming the other way had priority. The Morrisons truck to my left started turning left, and the trailer hit an icy patch and slid into the side of my car, destroying the nearside wing mirror and leaving scratches and scrapes on the front passenger door.
Next day I called the insurance company, gave them the details of what had happened, they advised that not only did they cover me but coincidentally they also covered the Morrisons fleet as well. That same day they had a replacement car out to me and collected my car to be repaired. The place that would be doing the repairs took it on a flatbed truck.
A couple of weeks later my car was returned to me with the repairs having been done. The replacement car was taken away and it was all done and dusted.
Cut to 13 years later and compare that experience with my latest one after a minor accident. Driving from my home in Scotland to my Mum and Stepdad’s in Wales, I stopped off at Todhills rest area on the M6 for a coffee. On leaving the area I began to accelerate down the slip road to rejoin the motorway when a truck driver in front decided to stop his truck, on the slip road, open his cab door in order to empty his coffee or tea mug outside. I’d moved over to pass him when the bottom corner of his door made contact with my car, hitting it just below roof level, denting the A pillar and the front passenger door, shattering the glass in that door, leaving paint on the B and C pillars and leaving gouges out of the rear quarter glass.
By this point I was almost back on the motorway so it wouldn’t have been safe to stop, I had to keep going. When I got to Wales I could get out and see the extent of the damage. Again I called the insurance company that same day and gave them the details. They had a hire car out to me the next day and said they’d arrange for a repairer to collect my car from my home and get it repaired.



So I waited. And then I waited some more. And more. After 4 weeks a company called Motor Repair Network, (MRN) contacted me to arrange to collect my car and said they had a repairer in Glasgow who would do the required work. This repairer was called Activate Accident Repair, (AAR) but my next call didn’t come from them. It came from yet another company called Glasgow Recovery who announced they’d actually been given the task of collecting the car and taking it to Glasgow, to the actual company who would be doing the repairs.
Once the car got to AAR they sent me a link to an online portal where they said I could keep updated on the progress of the repairs, so I watched as it went through assessment, estimated cost, approval from the insurance and then a status of repairs completed. I waited a few days after this status had appeared and then contacted what I thought was the repair company AAR, through their own portal, but it was MRN who responded stating that the repairs had been completed, but that the repairer was awaiting parts which were on back order. So, the repairs are complete, meaning finished, done, finito. But they’re waiting for parts. Parts needed to carry out the repairs. The repairs which are completed. Hmmm.
3 weeks after the status repairs completed had appeared on the portal I got a call from the actual repairers AAR asking if it would be OK to bring my car back that afternoon, which was fine by me as you can probably imagine.
From start to finish the repairs to what was really minor damage had taken almost exactly 3 monthsand involved input from the insurance, the broker or whatever they are, this Motor Repair Network, a recovery company and the actual repairers themselves Activate Accident Repair. 4 companies to do what 2 had been able to do some 13 years prior. And each one of those companies would have needed payment for their part of the job.
Coincidentally, both cars were Peugeot 3008s and both had been damaged by trucks.

















You must be logged in to post a comment.