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About Glyn

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    Boxa - Team Player
  • Birthday 01/25/1956

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    Focus RS, Shell, Lux, Sync3, Nitrous Blue

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  1. I think Meno has this summed up well. Obviously they would be angry at the time as in their view had their mirror smashed and it wasn't their fault, and the person failed to stop - so they spin around and hunt down the person who drove off. Of course they didn't consider that that they could be dealing with someone who was frightened - they considered it was someone trying to get away with it. The damage is minor and involving the insurance company will mean both drivers have their premiums raised - and for three years - which isn't worth it, clearly the other driver considers your good lady to be at fault and probably because she didn't stop after the accident. I know these mirrors are expensive but im pretty sure the fellow will have calmed down now and ready to discuss though it wouldn't have helped not answering his call when he rang - he will view it as another attempt to evade responsibility - so you should call him - discuss and come to an agreement regarding fixing his car - if he wont accept 50% contribution - and why should he if he actually wasn't at fault (in his view) so You either reach an agreement at 50% - or you pay the entire bill - or - you go through the insurrance. I had a driver do the same thing to my car a few years ago - didn't stop - my mirror was smashed - the glass and the body - I was livid - I wished I had chased after them instead of picking up the pieces of the mirror - I assumed they had stopped down the road - but no - drove off - I was quite mad about it for days
  2. Your premium will rise as a result of the accident as will the premium for the bike rider - and for at least 3 years. Insurance companies are like Dick Turpin - they take by any means what they can. Even no fault claims - like damage discovered to your vehicle after being parked up results in premium rises as in their view your risk of another claim is raised. Your NCB is protected so whatever the amount raised by will still get the NCB applied - it also depends on the type of insurance - business or personal. I have not had a personal claim so cant comment on the amount the premium may rise - but, a business claim made a big difference. The company has 4 vehicles, annual premium for any driver (over the age of 21 and under 6 points) was £2500, one of our drivers had an at blame accident which wrote the van off - not significant damage either - the other vehicle was repaired - the premium rose by exactly £1000 on renewal
  3. Skidd - you are absolutely right - but this is yet another scam by the insurers The person builds the NCB and as you cant drive two cars at the same time I fail to see where the additional risk is. However - have an accident and if you have two separate policies on two separate cars those nice insurers will up the premium on both policies (because you are obliged to report all accidents/claims) - as you are now a greater risk because you the person have made a claim - They care not if you were responsible for the accident either - of course they play with semantics - "hit by an uninsured driver"? - "car damaged whilst you were away from it and it was parked up"? - they say - you wont loose your NCB ---but ---they will put your premium up - something they don't tell you unless you ask.(and usually for three years without another claim) If you have legal cover - just try and make the point that for a no blame claim - besides the damages to the vehicle I want recompensing for the increased premium over the next three years as my risk is deemed to be greater even though I wasn't responsible for the accident. Legally any increased premium for a no blame claim is classed as damages - and you are entitled to claim all damages back - but just try it - They don't have a clue how to handle that and will refuse to work on your behalf to ensure that action is instigated - I have considered that in this event it would be possible following up with a breach of contract claim against the legal policy provider - not aware that anyone has ever tried this. They play it both ways - separate policies with separate NCB - so surely an accident in one vehicle shouldn't make a difference to the other policy as its separate. The insurance industry is akin to Bankers and MPs - and the only industry I'm aware of that seem to be able to ignore the Equality Act - The Act says certain characteristics are irrelevant and to discriminate on one of these protected characteristics is unlawful - but, married/living with a partner or single makes a difference to premiums, as does Age.
  4. Number one proposal - that's a great idea and it will allow you to identify the sneaky antics of the insurance industry when they raise premiums by the back door. I refer specifically to the misleading rhetoric intended to dupe the policy holder into thinking the company are protecting them - an example - TV adverts for car insurance where they tell you you don't loose your no claims bonus if your car is damaged by an uninsured driver - and of course you don't loose it or get it reduced - but the sneaky gits don't tell you that they increase your premium before applying the NCB because of that claim. The insurance industry is corrupt and has been allowed to ignore laws in statute and do this with impunity because no one with authority is prepared to challenge them, Its also a fact that there is little choice - sure there are plenty of names to choose from - but track back as to who owns what and they come down to just a few people or organisations, Admiral, that's also Bell, Elephant, Diamond, Able, Confused.com, compare.com, Admiral Law, BDE Law - the Law firms were acquired because the government made it illegal for insurance companies to sell claim details to ambulance chasers - they made £18000000 in 2011 doing this, so they bought and created their own law firms so they can continue in house - hence you still get the calls regarding "have you been in an accident" I could list so many more but you get the picture. The statuted laws they ignore - The all singing all dancing Equalities Act 2010, The law states you cannot discriminate on certain protected characteristics - s3x, Age, marital status - but insurance has dispensation to ignore these factors - I can see the logic regarding risk but that logic could be applied to other industries too - but they are not. You park your car and someone damages it - in this case the other driver owns up and admits responsibility - you have to inform your insurance even if no financial obligation is being levelled on your own insurance - and they bung up your premium because your risk has increased. Perhaps we should just jail males between 18 and 24 yrs of age that are unemployed because they are a higher risk of committing crime or drug use - that's the statistics, Fat people on planes - should be charged more because I have to pay for luggage weight but the obese travel at the same ticket price as me - that or I should have a discount or increased luggage weight allowance It seems with insurance statistics are king but that assessment doesn't apply to any other industry, anyone that doesn't obtain a range of quotes for any type of insurance come renewal time will not respond to a letter informing them there is a possibility of saving money if they change insurer - so a complete waste of time - and that's why the industry doesn't bat an eyelid to these changes in regulations
  5. Glyn

    Cat D insurers

    I must say CJs viewpoints to me are so valid, This thread started as a CAT listed car and knowing that should you declare it when obtaining insurance - well yes you should and indeed volunteer it without being asked - The insurance company know it anyway so it sort of gives credibility to your integrity. A CAT car would be obvious to just about everyone that it should be declared - but there must be future owners further along the line that either didn't pay attention when they bought it privately or the seller didn't declare it that wouldn't be aware of the cars history. The point CJ makes and I fully agree with him - is that the average Joe cannot be expected to know everything about a car - cannot be expected to know just what the insurance needs declaring for them to assess risk and therefore as the company offers insurance they are the ones that determine the factors that constitute risk and base their premium on that risk, so if a question isn't asked how would a person know what is relevant. CJs point is that provided you have answered the questions the insurance company ask with due diligence and honesty then the company couldn't legally withdraw cover because a relevant fact was omitted or not mentioned. They could of course threaten that but that for me would result in a breach of contract claim and the unfair contract terms act. Provided that the company hasn't been deliberately misled, lied to, manipulated maliciously then the omission of a relevant fact wouldn't invalidate insurance cover.
  6. Glyn

    Cat D insurers

    I've never had a CAT car and I have never specifically been asked the question by any insurer - however, I suspect the question would be asked if the car was a registered CAT - and this way they check your integrity. No way of checking their integrity though I suspect they would all fail that test. Perhaps when seeking a new insurer we should pose the question that with a protected policy if my car was for instance bumped into in a car park and I wasn't with the vehicle at the time but the other driver had left contact details (I know this is probably remote as most would drive off hoping they wasn't seen) could they confirm my NCB wouldn't be affected - and when they tell you it would remain intact then ask specifically will my premium rise ----- and wait for their answer. The reason it would be pertinent would be two fold - insurance is there to indemnify you in the event of sustaining damage, in a no blame case then the claim against the at fault driver will have to be increased to cover those damages (A monetary value above 1p) for the duration the insurance company would raise your premium - so if your premium rose by £30 a year for three years then an additional £90 would have to be claimed off the other driver. Secondly - the minor scrape when a claim is submitted could result in the car being made a CAT vehicle - if you chose to keep the vehicle and had it repaired your claim against the other driver would have to be increased to compensate for the loss of value of the vehicle
  7. Glyn

    Cat D insurers

    The CAT vehicles on the road are many tens of thousands and are registered by the insurance database anyway - so all companies have this information just from the registration plate - computers link every application immediately - so that is known before they issue a quote - specifically asking the question is simply an integrity test. Those selling CAT cars do state you should inform the insurance company, and it is true some insurers wont touch a CAT car - This market has formed because insurance companies are dishonest parasites. CAT Ds are the result of insurance companies saving money - For instance - a vehicle sustains light damage - just the plastic bumper is damaged, but the car is three years old, Costs to repair are quite high as most bumpers are body coloured, one piece = so for a crack the whole thing has to be replaced, That entails the vehicle being off the road, Many insurers want car repairs done at their specified repairer as they have a special discount with them - so cars are queued for quite a time before they get in the bodyshop - In that time they may have to pay out for a hire car - expensive, loss adjusters are expensive too, so its easier to write the vehicle off and sell it back to the trade for 60% of its value. The insurer then makes you an offer - always a low one because people don't tend to refuse - they moan about the settlement but rarely fight - so its a big win for insurance. They know the vehicle will be put back on the road - and once again they get a policy to insure it - but, as its CAT D the value - or risk to them is insignificant but the premium remains the same as if it was a non CAT car. The real bonus is that insurer's also raise the premium for both drivers irrespective of who was at fault - but cunningly advertise that you keep your NCB, creating the impression you wont loose out - they do not state your premium wouldn't rise though. Then the crafty gits start the personal injury phonecalls - more or less encouraging false claims with statements that you could receive over £3000 for your accident - and of course the in house legal teams also get paid by the at fault insurer. They used to sell their accident claim details to law firms a few years ago but the law changed and banned the practice - so they took over ailing legal firms - at a good price and made them "In house" In 2012 Admiral made 18 million just by selling accident details to law firms, when the law changed they formed their partnership with Lyons Davidson. I change my insurance every year - usually the lowest cost, I'm in that sector that want to be legal, If they don't pay out when needed then quite happy to take them to court for breach of contract or unfair contract terms, negligence - indeed whatever I can throw at them. Its quite ironic that we have to deal with scheming dishonest, greedy slime balls in order to remain within the law.
  8. Glyn

    Wow! Surprised or what?

    All a product of the insurance companies themselves - selling their lists of claims to the ambulance chasers - until that practice was outlawed by government in 2013. In 2012 Admiral made £18.6 million selling accident claim details - The insurance companies now still do the same but they have bought out Law firms and incorporated them into the company (Admiral incorporated Lyons Davidson)- so now they don't sell the lists as they just pass to their in house ambulance chasers - who encourage false claims by pestering for years after an incident to make a claim and indicate huge sums of money even if you only suffered a broken pubic hair. Its a very profitable scam - just like majority of claims get settled as a 50/50 knock - both parties loose their NCD - or it counts towards loosing it with a protected policy - but both parties premiums go up substantially because of a blameworthy claim - sneaky ar*eholes are insurers.
  9. The point of asking the question about modifications is primarily looking at safety elements, putting non original wheels or tyres for instance - this could increase the risk of an accident. Factory fitted options are not modifications - they are simple a choice like leather or cloth seat covers. However, if you buy secondhand how would you know what may have been modified or not. As far as im concerned I answer truthfully their questions - I don't KNOW of any modifications - They are asking me - a non expert to make a declaration - If they need an expert witness to confirm then they need to be asking an expert to view the car before agreeing to insure you. So unless you've taken something off the car and bolted something different on then your answer has to be No modifications.
  10. Insurance companies just have one of those lottery ball machines - all the balls have a price on them and they do a draw each time a quote comes in. They do have more than one machine though, one for under 25s, one for 25 to 50 and one for over 50s
  11. Glyn

    Chancel liability insurance

    When my daughter bought her house 18 months ago the solicitor did indicate Chancel liability, the insurance was a one off payment for as long as she keeps the house £49. The Chancel liability lists had not been published and the church had been given 6 months to write a confirmation letter to all domestic dwelling owners if the Chancel liability was applicable to that particular property, that time was up 12 months ago and she didn't receive any letter so now we know there is no liability so the insurance was a bit of a waste. However, some owners who didn't insure have lost their homes - forced to sell the house to pay a Chancel fee of £100K - just google it. You should therefore have a letter confirming the Chancel fee is applicable and if so get it insured, for the cost, - and it is a one off fee, its not worth the risk. Church philosophy is to forgive etc etc - but, don't pay your chancel fees and they will see you homeless rather than forgive the debt.
  12. Confused.com is owned and run by the Admiral group and that site doesn't ask the question regarding speed awareness courses, strange that they should ask the question over the phone. I know that from July 2014 the government introduced "My Licence" this data records every aspect of a drivers record and is available to all insurers, not a clue if speed awareness courses are recorded on this. The Police always stated they would not be releasing those details to anyone else in order to promote participation in these courses they have always stated the course doesn't need to be declared. One could argue that attendance of a course makes you a safer more aware driver - at least that is the view of the Police - so how is a premium increase justified?
  13. Glyn

    Renewal Pricing

    Every year use a comparison site, never auto renew, have no loyalty to any company - its the only way to insure at the very best deal and that's not just for car insurance - any insurance policy. I know the adverts indicate some companies don't use comparison sites - but what they don't say is that they have a sister company that does use comparison sites which offer comparable insurance - but at a better price - after all they are quite savvy about trading and wouldn't want to miss an opportunity to take someones cash, they give the impression that they are above using a comparison site to sell because of principals or they don't want or need that type of business - its all a lie. The red phone company is also the Johanna Lumley posh insurance site - its a privillege
  14. udm, that's why I asked if you had legal cover on your policy, they recover the damages for you, in some cases they shy away from doing this and then your only course is to get confirmation from your insurer that your premium has been raised - and the reason for this (the accident) then approach your neighbour and show them the proof of the increased premium because of their actions- they then have a choice to either pay you directly or inform their insurer that you intend to claim. Of course they may resist - but you then have the option to take it to the small claims court. I accept the action doesn't make for good neighbourly relations but at the end of the day why should you be out of pocket for something you had no input in.
  15. Shame your neighbour reported it rather than just settle, but, now that he has done so then you have no option. Of course you will retain your full no claims bonus but the sneaky insurance companies do raise your premiums - which is not the same thing, the view of insurance is that after having one accident you are more likely to have another - and No, I don't see how they view it this way either - its unfair and clearly you had no input in the accident - so just how they view you are more likely to have another is bewildering. Even though your premium on renewal may stay the same as this years premium you have to remember that car insurance is going down - so the same premium would still mean they have increased your overall premium. And, it will continue to affect your premiums for 3 years - so, the key factor here is that on your estimate of the damages you need to add a monetary figure to compensate you for the three years of increased premiums - usually its about £30 a year - So add £90 and if you have legal cover then tell them you intend to claim ongoing damages on the basis of "negligence" - Your neighbour did something he shouldn't have done and those actions have caused damages (Damages are a legal term for anything of a monetary value above 1p) - and your increased premiums are damages.