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  1. Replies
    13
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    647

    It would be a very unusual set of circumstances...

    It would be a very unusual set of circumstances that would enable an Insurer to void a policy mid term and deny a claim, changing occupation would not generally allow an Insurer to back date voidance
  2. Replies
    13
    Views
    647

    Who are your Insurers? (I'm guessing it's an...

    Who are your Insurers? (I'm guessing it's an Arron Banks company)

    What was the previous occupation and what is the current occupation?
  3. Replies
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    445

    You are in a "Credit Hire" vehicle. Google it

    You are in a "Credit Hire" vehicle.

    Google it
  4. Replies
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    2,474

    It's actually unusual for (Relatively small...

    It's actually unusual for (Relatively small vhanges in) the value of the vehicle to effect the premium

    Read this link...
  5. Replies
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    2,474

    As Beezlebub has pointed out, the Ombudsman does...

    As Beezlebub has pointed out, the Ombudsman does not take into account adverts so in theory Insurers should not come up with their valuation based on adverts
  6. TC The OP's claim is not against Valet Companies...

    TC The OP's claim is not against Valet Companies motor trade policy which will include cover for Customer Vehicles.

    The fact there is an excess of 2500 can and will prevent (The OP claiming)...
  7. Replies
    9
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    2,091

    They are asking for those documents as the OP's...

    They are asking for those documents as the OP's car is being written off.

    I would not worry at this stage
  8. Replies
    21
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    3,779

    If you were travelling at 5mph, how did you...

    If you were travelling at 5mph, how did you manage to hit a stationary car that had stopped between an island and the pavement if you were driving at 5mph.
  9. Replies
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    4,215

    I once had a client who was hit by another driver...

    I once had a client who was hit by another driver who was reversing around a roundabout as they had missed their turning....
  10. Replies
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    4,215

    They can do that, however there is a very strong...

    They can do that, however there is a very strong chance that due to it being a Section 75 claim eg they are claiming against the Insurer of a vehicle who does not cover the driver but covers the...
  11. Replies
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    4,215

    If you can obtain her own Insurers details you...

    If you can obtain her own Insurers details you can claim directly from her Insurance, you can do this even if you get her reg number

    Check facebook for her
  12. Replies
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    4,215

    If there was a valid current Insurance policy on...

    If there was a valid current Insurance policy on the vehicle at the time of the accident, then if you need to then you can claim against this policy even if she is not a driver covered by the policy....
  13. Replies
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    4,215

    Do you have the other drivers details eg her name...

    Do you have the other drivers details eg her name and address?

    By any chance do you have a registration number for her own vehicle?

    Is the other driver co operating?
  14. Thread: Air Con.

    by dacouch
    Replies
    5
    Views
    1,275

    Do you run it occassionally during the winter to...

    Do you run it occassionally during the winter to prevent the seals drying out?
  15. I agree, this was my first thought when I read...

    I agree, this was my first thought when I read the message about the Italian Police.

    Irrespective of what an Insurer writes in their policy document, they cannot decline cover due to a lack of an...
  16. Replies
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    4,833

    I would not bother with the police, just inform...

    I would not bother with the police, just inform your Insurers and allow the third party to provide a noose for their own neck.

    P.S Try also googling their names along with "Linkedin" as this often...
  17. Thread: left the scene

    by dacouch
    Replies
    13
    Views
    4,744

    TC's post sums it up well. This leaflet from...

    TC's post sums it up well.

    This leaflet from the MID may explaini how trader's insurance works in relation to the MID although it is aimed at traders so you may find it technical.
    ...
  18. Replies
    21
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    7,379

    Because Direct Line sell their cover on the level...

    Because Direct Line sell their cover on the level of service and quality of service, you cannot have both of these and be able to offer the very cheapest price enabling you to be in the top five on a...
  19. Replies
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    7,379

    Of course they will take that into account in the...

    Of course they will take that into account in the same way an airline or even Amazon does now days with their variable pricing.

    The companies that use such pricing (Which is not all Insurers)...
  20. Replies
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    7,379

    You understand Insurance well, as you say it is...

    You understand Insurance well, as you say it is all about balancing the risk
  21. Replies
    21
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    7,379

    1) Sometimes when you obtain a quote where you...

    1) Sometimes when you obtain a quote where you are entitled to a discount or cashback, the price you are quoted is higher than if you were not quoting with the cashback or discount.

    Also different...
  22. Without a Google Street View it sounds to me like...

    Without a Google Street View it sounds to me like your wife was at fault.

    50/50 would be a good result for her
  23. There is around 1 second of thinking / reaction...

    There is around 1 second of thinking / reaction time
  24. I based it on this.... "An hour ago (it's now...

    I based it on this....

    "An hour ago (it's now 11:20pm), I was going through a town center (at night, only a bit of traffic) at 30mph (I had my speed limiter on @ 30mph max) but I saw a light turn...
  25. Bear in mind that the amber light shows for just...

    Bear in mind that the amber light shows for just under three seconds, at 30mph you would be 120 feet away when you first saw the light turn amber.

    At that type of speed and distance it is hardly...
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