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Type: Posts; User: dacouch

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  1. Replies
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    You have nothing to worry about, not having tax...

    You have nothing to worry about, not having tax is completely irrelevant to any claim you make against either the other Insurers or your own.

    Irrespective of whether your own policy stipulates...
  2. Replies
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    2,188

    Under the Road Traffic Act which is the relevant...

    Under the Road Traffic Act which is the relevant issue governing whether the other Insurer are liable they treated the same.
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    Finding the van makes very little difference to...

    Finding the van makes very little difference to the issue of liability for the Insurer, they only really liable if the driver at the time of the accident was / is identified which the van turning up...
  4. There's quite a few inaccuracies in the advice he...

    There's quite a few inaccuracies in the advice he gives on his website.

    One of the most important ones is that he does not appear to be registered with the FCA but is giving advice on insurance...
  5. Replies
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    2,188

    This is quote technical but explains 151 and also...

    This is quote technical but explains 151 and also touches on the motorbike sale problem

    http://www.12kbw.co.uk/userfiles/Documents/Motor_insurance.pdf
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    For exactly the same reason, it's the law of the...

    For exactly the same reason, it's the law of the land eg Road Traffic Act Section 151 2) b)

    "(2)Subsection (1) above applies to judgments relating to a liability with respect to any matter where...
  7. Replies
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    If the van driver has reported the van as being...

    If the van driver has reported the van as being stolen and that's how the police are treating the matter then that's how the van's Insurers will treat the matter. That means that unless the thief is...
  8. Replies
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    It's worth trying but based on current facts eg...

    It's worth trying but based on current facts eg stolen vehicle with the driver not identified the vans Insurer will just bat the claim away as they would not be liable

    The vans Insurers along with...
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    A claim against the van Insurer is unlikely to...

    A claim against the van Insurer is unlikely to succeed as the driver of the vehicle is not identified.
  10. Could does not really come into it, the Road...

    Could does not really come into it, the Road Traffic Act makes his Insurers liable for the third party claim, they in turn will turn to their client to repay them.

    They can do this due to the same...
  11. Here's an example of what I was explaining about...

    Here's an example of what I was explaining about the Road Traffic Act.
    ...
  12. Replies
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    Have you mentioned to the claims handler that...

    Have you mentioned to the claims handler that your passenger is a police officer as although not an independent witness the fact that they're trained to observe and remember along with them being...
  13. Replies
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    1,090

    Bear in mind that if it did go 50/50 you would be...

    Bear in mind that if it did go 50/50 you would be able to recover 50% of your uninsured losses eg your excess from the other party.

    There's a strong chance the other driver has given a different...
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    I'm guessing there were no flames. Motor...

    I'm guessing there were no flames.

    Motor Insurance includes cover for Fire eg damage caused by a flame, it sounds like your engine was damaged by mechanical breakdown which is not covered by...
  15. Providing you've kept to the terms of the policy...

    Providing you've kept to the terms of the policy and it's a bona fide theft then it will be covered by a TPF&T policy
  16. The OP had a policy that was current at the time...

    The OP had a policy that was current at the time of the accident, all the Highways agency have to do is identify the driver which is presumably the new owner, they can then legally claim from the...
  17. It does not matter whether they're named on the...

    It does not matter whether they're named on the policy or whether they have permission to drive, the law of the land makes the Insurer of the vehicle liable if there is a current certificate of...
  18. Replies
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    Which could result in the police looking into...

    Which could result in the police looking into prosecuting the OP who after all did not allow enough room to brake and hit the car in front.

    The OP has gone into the back of another car, the...
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    Why? The OP drove into the back of the other...

    Why?

    The OP drove into the back of the other driver, case closed they did not leave enough braking distance.

    The only chance the OP has is if for some very strange reason the other driver...
  20. Replies
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    Is the right answer. Expecting the OP to not...

    Is the right answer.

    Expecting the OP to not be at fault or even 50/50 for driving into the rear of another car has no chance of succeeding.
  21. Replies
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    HSBC does not help as they just lend their brand...

    HSBC does not help as they just lend their brand name to front for BISL aka the dreaded Budget who are a broker, it would be helpful to know who the actual Insurers are as some include cover whilst...
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    Who are you insured by?

    Who are you insured by?
  23. Replies
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    If there is an insurer that includes cover for...

    If there is an insurer that includes cover for whiplash from your own policy as a fault driver I've never heard of it, it's unlikely to be included as it would be open to horrendous abuse.

    You can...
  24. Replies
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    Under which section of the policy?

    Under which section of the policy?
  25. Replies
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    There's a very strong chance that being a...

    There's a very strong chance that being a Motorhome it was not subject to no claims bonus in the same way most classic car policies are not subject to no claims.

    Due to the low risk of claims and...
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