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  1. Thread: Air Con.

    by dacouch
    Replies
    5
    Views
    491

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

    Do you run it occassionally during the winter to prevent the seals drying out?
  2. 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...
  3. Replies
    11
    Views
    1,603

    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...
  4. Thread: left the scene

    by dacouch
    Replies
    13
    Views
    1,617

    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.
    ...
  5. Replies
    21
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    2,542

    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...
  6. Replies
    21
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    2,542

    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)...
  7. Replies
    21
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    2,542

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

    You understand Insurance well, as you say it is all about balancing the risk
  8. Replies
    21
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    2,542

    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...
  9. 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
  10. There is around 1 second of thinking / reaction...

    There is around 1 second of thinking / reaction time
  11. 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...
  12. 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...
  13. Replies
    17
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    2,624

    Some people might put forward that this incident...

    Some people might put forward that this incident provides good evidence as to why Shell and all other garages install these bollards on their forecourts to prevent damage to the incredibly expensive...
  14. Replies
    16
    Views
    2,377

    You can check if your vehicle is showing on the...

    You can check if your vehicle is showing on the MID for free at www.askmid.com
  15. Replies
    16
    Views
    2,377

    As others have mentioned, a car that is...

    As others have mentioned, a car that is registered in the UK must be insured by an Insurer who is an "Authorised Insurer".

    As your vehicles will not show on the Motor Insurance Database which the...
  16. Replies
    3
    Views
    1,335

    Your situation needs the same response from the...

    Your situation needs the same response from the Insurer as in this thread, although the difference being that in your case it is the Insurers fault.
    ...
  17. Here is a post that looks to be from an XS Direct...

    Here is a post that looks to be from an XS Direct customer http://www.consumeractiongroup.co.uk/forum/showthread.php?477150-3k-Total-Excess-Worried-regarding-Debt-Collectors(2-Viewing)-nbsp
  18. Replies
    9
    Views
    2,240

    Technically you owe them for the remaining...

    Technically you owe them for the remaining premiums of the policy as you made a claim under the policy (This is the same with all Insurers).

    You have the option of making an "Official Complaint"...
  19. Replies
    9
    Views
    2,240

    What is the reason they are asking you for 300...

    What is the reason they are asking you for 300 for?
  20. Replies
    5
    Views
    1,805

    It's relatively easy to abuse a motor fleet...

    It's relatively easy to abuse a motor fleet policy in the OP's situation eg the vehicle being registered in the business name as the MF includes business and private use. A Motortrade Policy only...
  21. Replies
    5
    Views
    1,805

    Her cousin has tried what a significant amount of...

    Her cousin has tried what a significant amount of dodgy second hand car dealers do with their Motor Trade Insurance which is to try and cover employees or family members under the policy by trying to...
  22. If the OP was with any other broker they would be...

    If the OP was with any other broker they would be moving heaven and earth to help the OP out, it's a fairly common mistake and the Insurers have collected the correct premium to reflect the risk of a...
  23. XS Direct are aimed at the distressed market eg...

    XS Direct are aimed at the distressed market eg drivers with bad driving records and / or drivers with high performance cars that would attract very high premiums. XS Direct's "Solution" is selling a...
  24. Are you aware of the 3000 excess you are liable...

    Are you aware of the 3000 excess you are liable for that you pay even if you hit another vehicle and do not claim for your own damages?

    Try this forum as they are very pro consumer, the site...
  25. Why would you insure yourself with XS Direct... ...

    Why would you insure yourself with XS Direct...

    What an awful combination

    If via twitter you would @ them in a message

    Alternatively ring the Ombudsman up and ask them to contact One Call or...
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