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About Glyn

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    Boxa - Team Player
  • Birthday 01/25/1956

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    Tesla Model 3P

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915 profile views
  1. You have identified the dishonesty of all insurance companies, their slick adverts create the impression you loose nothing if for example you are hit by an uninsured driver - or they labour the point in the event of a claim your NCD is protected - but the sneaky slimy gits raise your premium and then apply your NCD at the old rate you had to the new premium, and it doesn't stop there - they declare the fact that once you've had a claim (even non fault claims) statistics say your more likely to have another claim - so your risk increases - and that's what premiums are based on, and the increase
  2. And whenever you do receive your renewal quote - then find comparative but cheaper insurance - and you call your existing company - and they match it - F**K them right off for being so diabolically dishonest in the first place for trying to have you over, only when we all do this will they curb their less than moral side
  3. 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 g
  4. 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 pre
  5. 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
  6. 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
  7. 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 C
  8. 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
  9. 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
  10. 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 e
  11. 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 the
  12. 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
  13. 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 - forc
  14. 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
  15. 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 se
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