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  1. 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
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    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...
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    http://www.legislation.gov.uk/ukpga/1988/52/sectio...

    http://www.legislation.gov.uk/ukpga/1988/52/section/147
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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...
  9. 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
    ...
  10. 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...
  11. 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.
    ...
  12. 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...
  13. 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...
  14. If you had been paying via monthly instalments...

    If you had been paying via monthly instalments and your Insurers wrote the vehicle off, it's deemed that the policy (Contract) has fulfilled it's purpose and thus the remaining instalments would be...
  15. If you claim from your own Policy, they are...

    If you claim from your own Policy, they are likely to deduct any remaining monthly instalments from your settlement figure, they will also deduct your excess. You can reclaim your excess back from...
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    The OP's no claims bonus will not be affected if...

    The OP's no claims bonus will not be affected if they claim directly from the third partie's Insurer.

    The No Claims Bonus relates solely to the policy covering their own car.

    No claims bonus...
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    If the car in the first lane was already crashed...

    If the car in the first lane was already crashed before either your car or the car in the second lane arrived then they are obviously not liable
  18. What they are saying is they think you are at...

    What they are saying is they think you are at fault, if you chose not to accept fault then they will start incurring legal costs which if they/you lose will not be able to recover. As they have...
  19. Will you be returning to the UK? (I mean you and...

    Will you be returning to the UK? (I mean you and not the car)
  20. To clarify things for other readers, the car is a...

    To clarify things for other readers, the car is a Mobility Car.

    To answer your questions

    1. Your friend is claiming from your policy for their injuries.

    2/3 Being given way by other vehicles...
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    To add further, this is a fairly busy London...

    To add further, this is a fairly busy London junction that the council have messed up.

    Traffic does not always use the correct lanes either intentionally or due to being confused, the junction...
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    If it helps, this is the google street view...

    If it helps, this is the google street view https://www.google.co.uk/maps/@51.4525352,-0.1012896,3a,75y,240.53h,90t/data=!3m6!1e1!3m4!1sIBG3k37PLlNX3V0HFW_aDQ!2e0!7i13312!8i6656
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    Ask them for a copy of the contract and / or...

    Ask them for a copy of the contract and / or Credit Agreement he completed and signed before the hire commenced.
  24. The issue is your Insurers passed you onto a...

    The issue is your Insurers passed you onto a Claims Management Company aka Credit Hire Company, they make their money by loaning you a hire vehicle at a very inflated rate. They then claim this from...
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    That's good news. Insurers have to properly...

    That's good news.

    Insurers have to properly investigate Complaints and keep records of them for the FCA.

    The staff dealing with Complaints tend to be more experienced and have more authority,...
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