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Type: Posts; User: dacouch

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  1. Unfortunately for you and the other driver's...

    Unfortunately for you and the other driver's Insurers, the RAC passed you onto a Claims Management Company and a Credit Hire Company.

    The CH co charge the other Insurer well over the normal rate...
  2. Thread: No insurance

    by dacouch
    Replies
    14
    Views
    447

    You have a contract with your Insurer to insure...

    You have a contract with your Insurer to insure you car, you pay the premium and in return they are contractually obliged to pay claims.

    To break the contract (cancel cover), the Policy sets out...
  3. How do you think it's rated at the moment? To...

    How do you think it's rated at the moment?

    To be able to optimize all of the data they have access to Insurers use sophisticated computers to calculate premiums, it's not done by a couple of staff...
  4. Replies
    3
    Views
    261

    It's a bit of a catch 22 situation. Insurers...

    It's a bit of a catch 22 situation.

    Insurers tend to check with your credit record to confirm you live at the address you have declared and also for the loan you are receivng to pay the premium...
  5. Replies
    14
    Views
    623

    Unfortunately for you, the other driver is likely...

    Unfortunately for you, the other driver is likely to say they were stationary and that you drove into them.
  6. The policy can possibly end if Admiral pay you...

    The policy can possibly end if Admiral pay you out for writing the car off but not if you just scrap the vehicle.

    See Page 36

    "Should your car be stolen and/or deemed a total loss, we will...
  7. You have an annual contract with them from July...

    You have an annual contract with them from July until next July based on three years no claims bonus.

    The following document forms the basis of the contract between you and Admiral...
  8. They are in effect saying that they have...

    They are in effect saying that they have cancelled your old policy and are starting a new policy for you.

    Could you give us more details eg who you are insured with, when your policy on the...
  9. Replies
    6
    Views
    475

    Just for the record. The type of business use...

    Just for the record.

    The type of business use required to deliver food by people employed to deliver other peoples food eg pizza delivery is Hire or Reward which is an entirely different type of...
  10. Replies
    6
    Views
    475

    There is good news. a) If you were being paid...

    There is good news.

    a) If you were being paid by your boss to deliver his food then you would have been acting as his employee

    b) If you were not being paid by anyone to deliver the food then...
  11. Replies
    26
    Views
    1,190

    Quite the opposite, the Insurance market in the...

    Quite the opposite, the Insurance market in the UK is incredibly competitive and is one of the most advanced and mature in the world.

    Insurers work independently of each other and any gain they...
  12. Replies
    26
    Views
    1,190

    Insurers do not like paying out claims under the...

    Insurers do not like paying out claims under the driving other cars extension and normally investigate any claims for DOC.

    There are three things that they look at that will probably catch you...
  13. Do you realise that Currys "Whatever Happens" is...

    Do you realise that Currys "Whatever Happens" is not actually an Insurance Policy?

    It also does not cover the freezer for fire and flood etc and I doubt it includes the contents of the freezer
  14. Replies
    14
    Views
    839

    Pryor v Manchester Police is a good explanation...

    Pryor v Manchester Police is a good explanation as to why it's sensible to carry a paper or electronic copy of your "Relevant" Certificate of Insurance and to not rely on the MID...
  15. Replies
    14
    Views
    839

    http://www.legislation.gov.uk/ukpga/1988/52/sectio...

    http://www.legislation.gov.uk/ukpga/1988/52/section/147
  16. The Insurer isn't subject to a lower risk though....

    The Insurer isn't subject to a lower risk though.

    Very very few people who are under insured will be spotted by the Insurers even fewer will have large scale claims where their payout approaches...
  17. It's not me missing the point. Very very few...

    It's not me missing the point.

    Very very few of the people who claim and are under insured will be claiming for the full amount they are insured for.

    The vast majority will be claiming for a...
  18. The notional percentage you refer to is actually...

    The notional percentage you refer to is actually the published inflation rate, if they increase your sum insured by inflation then if you insured for the correct amount at the start and made...
  19. Some Insurers will find their stats show drivers...

    Some Insurers will find their stats show drivers doing lower mileages have more claims and some will find their stats show drivers doing low mileages have less claims.

    You sometimes also find...
  20. Have you tried speaking to Ageas and telling them...

    Have you tried speaking to Ageas and telling them you have a cheaper quote.

    If you tell them you have a quote of 375 with Aviva for the same terms, it's within the amount of leeway most renewal...
  21. Have you tried shopping around, Ageas underwrite...

    Have you tried shopping around, Ageas underwrite quite a few policies for different brands to use.

    Saga do a very well worded policy.

    I tend to rate the Direct Line group, LV, Aviva and Ageas
    ...
  22. With regard to Esure / Sheilas Wheels, I deal...

    With regard to Esure / Sheilas Wheels, I deal with a lot of problems on other forums they cause that would not be created by a half decent Insurer.

    To see the type of Insurer they are, when they...
  23. Dafaqto is "Ok" and well worth looking at, but...

    Dafaqto is "Ok" and well worth looking at, but you have to remember as others have said it just gives stars based on levels of cover, the example of the hotel rating system is a good comparison.
    ...
  24. Sorry I mean Ageas, I do business sometimes with...

    Sorry I mean Ageas, I do business sometimes with Aegis and miss typed.

    There are very few 5 star reviews of Esure, the ones that are tend to be people raving how cheap they were and don't seem to...
  25. People tend to leave a review when they have had...

    People tend to leave a review when they have had very bad service, they don't tend to leave a review when they have received good service, this is especially so when it comes to Insurance.

    As...
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