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  1. a) Your Insurer should provide cover on the...

    a) Your Insurer should provide cover on the vehicle or a replacement vehicle (Assuming the replacement vehicle is a vehicle they would normally insure) up until the next renewal.

    Note some...
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    I assume you did not sign the acceptance of the...

    I assume you did not sign the acceptance of the vehicle with the above legend, it's not the end of the world though.

    Ring the garage and explain the problem, if you're not happy with the garage's...
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    Did you take photos of both cars as they were (In...

    Did you take photos of both cars as they were (In the position of the accident) at the time?

    How far along your front wing is damaged?
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    The Directors are employees of the company and...

    The Directors are employees of the company and are not the company, it is highly unlikely the Insurer will write the cheque in a director's name.

    Why would the company need to pay VAT on a cheque...
  5. The court is not like a criminal court where...

    The court is not like a criminal court where guilt has to be proved beyond reasonable doubt, the court you would use would decide on the balance of probabilities.

    The court is designed for the...
  6. Whose name was your car insured in when the...

    Whose name was your car insured in when the accident happened?
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    Have your Insurers seen the photographs which I...

    Have your Insurers seen the photographs which I assume show both cars in the position they were after then accident?
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    958

    Admiral are very proactive on dealing with people...

    Admiral are very proactive on dealing with people in your situation.

    I assume you were insured by Admiral as they are one of the main companies referring customers to Albany.
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    That's great news. Keep an eye on the excess...

    That's great news.

    Keep an eye on the excess Enterprise want you to pay for the hire car, you should be able to get the third party Insurer to either cover any difference between the excess you...
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    They justify these charges as they are taking a...

    They justify these charges as they are taking a risk that they won't be paid, in reality they qunatify each claim before hiring a car out so they only loan cars to customers who have a strong case.
    ...
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    It should tell you how much Albany are charging...

    It should tell you how much Albany are charging per day on your agreement, but it's likely to be upto 117 for a 2000cc or 146 for a 2500cc. These are the DAILY rates they will charge upto.

    As...
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    958

    From the way you have posted, I assume you are in...

    From the way you have posted, I assume you are in the position to finance the cost of a normal hire car yourself.

    If the above is the case, then if the third party dispute the hire car cost (Which...
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    958

    Albany pay your Insurer circa 350 commission if...

    Albany pay your Insurer circa 350 commission if they pass you over to them, they make their money from putting you in a "Credit Hire" vehicle at a very inflated price.

    Oddly when Albany put you...
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    Did you take any photographs on the vehicles at...

    Did you take any photographs on the vehicles at the accident scene?

    If not, do that next time as it stops this type of B.S
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    Being a pedant, no insurance is not an absolute...

    Being a pedant, no insurance is not an absolute offence, an absolute offence is one to which there are no defences, no insurance is technically a strict liability offence
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    1,128

    Read your CERTIFICATE OF INSURANCE, does it...

    Read your CERTIFICATE OF INSURANCE, does it confirm that you are covered to drive other cars.

    It's not unheard of for Insurers to make a mistake when telling you there is no cover for it when the...
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    480

    You don't need a solicitor to obtain your own...

    You don't need a solicitor to obtain your own data from the Insurers or even your old employer.

    You can perform a Subject Access Request (SAR) for 10 on each of them
    ...
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    4,871

    Add me as a friend / contact and you'll then be...

    Add me as a friend / contact and you'll then be able to send me the documents as a message.

    The other poster on MSE mentioned he just obtained a quote through a comparison site and took it from...
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    If the broker has not made it clear enough for...

    If the broker has not made it clear enough for you to make an informed decision bearing in mind the Ombudsman and FCA assume that you as a consumer are not financially literate and need onerous...
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    It obviously was showing on his schedule but if...

    It obviously was showing on his schedule but if you saw the words "All Sections Excess" can you honestly tell me that you would realise it would mean you pay an excess if you hit another vehicle and...
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    It's very unusual for the Certificate to note the...

    It's very unusual for the Certificate to note the policy excess as it's a legal document confirming the existence of third party insurance and has to conform to the Road Traffic Act. You normally...
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    Is this with One Call by any chance? Another...

    Is this with One Call by any chance?

    Another similar thread here

    http://forums.moneysavingexpert.com/showthread.php?t=5493876

    The regulators (FCA) as well as the Ombudsman, regard consumers...
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    1,117

    Santa, if you missed this recent report, you'll...

    Santa, if you missed this recent report, you'll find it interesting

    http://www.mirror.co.uk/money/using-comparison-sites-made-car-8523968

    Ironically moving from the traditional system of...
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    There are big variances in premiums between...

    There are big variances in premiums between different countries which are down to many factors such as local laws eg in some countries you cannot claim for whiplash or credit hire vehicles, different...
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    It's not clear if you're agreeing with 98selitb,...

    It's not clear if you're agreeing with 98selitb, but if you are, would you be happy for your own premium to increase by I would estimate 30% to pay for it?
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