What's made you grumpy today?

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What's made you grumpy today?

Therein lies the puzzle. I suspect he'll never get a straight answer - what they say to him and what they type on his notes on their computer could be two different things - they'll probably put him down as code XXX which will mean "tell him he's not at fault but try to load his premiums anyway by talking about the volatile insurance market due to the recent air strikes on the militants..."

I'm pretty sure that's what they did to me when I had my claim - dashcam proved me innocent 100% but my premiums still went funny for a long while.

Depends who you were with. Some insurance companies will still load you for none fault claims as its still an increase in risk according to their risk / pricing algorithms.

Whats important is how liability is settled on your son's insurance record and how it will be recorded on the CUE database by his current insurer, as this will affect him when it comes to swapping insurer at a later date and how they note the claim on their systems when quoting.
 
For those who don't know (and to take the thread further off tangent) Clicker is basically "Simon Says" only you're playing with animals.

If you want the animal to do something you use a click or in the case of Ashes the rabbit you make a more pleasant noise. If they obey you give them a reward (positive re-enforcement) if not you try again. Never ever be negative with an animal; delete the word "no" from your vocabulary. Negativity is the foundation of aggression and animals will react to it, especially prey animals.

Basic training so far with Ashes as he's only a few months old. While he's in his run I click for him to come to me and if he does he get's a slice of carrot or his favorite; celery. The I go to the other end of the run and click again. If he comes to me he gets another reward. That's phase one. Phase two is if I go to one end of the run and don't click. If he comes to me I go to the other end. I then click and he comes over for his reward. Rabbits are very intelligent and soon realise "No click = No treat". I go from on end of the run to the other several times and Ashes does not react to me until I click.

That's the foundation for future training but if (when the little sod) he escapes if I click he usually comes to me. Last night was different as he either couldn't hear me or as I found my neighbors hedge is a effort to get through.

On command "up-up" he makes himself into a little ball so I can pick him up. That took longer, as I had to pick him up, put him down then give him a treat. I mix that one in when doing run training.

He has a stick (stripped back cherry tree branch for him to scratch) that he chases when I throw it for him but it's too big for him to fetch.
A little like Pavlov's dog but without the stick then.
 
I had an accident in Norwich about 10 years ago where I ran a cyclist down at 40mph he basically rode out in front of me when I was on a green light and he was riding off the path to cross the road, I bent his bike so badly the back wheel was pointing side ways, police came and arrested him for causing the accident (drunk) gave me a quick breath test as is routine, and carted him off in a van to the police station (how he go away without serious injury I'll never know) essentially last I heard he was fined and sent on his way
Although it didn't happen to me, a colleague was on his way home from work one night just after midnight when something really strange happened. In fact if you went into a Bookies' and asked for odds on it happening you'd get something similar to that for extra terrestrials landing on the centre spot on Cup Final day at Wembley at 3pm.

He was driving along a residential road near his home when, unbeknown to him, on a parallel road three blokes were getting out of a mini-cab after a night out. As one of the men got his wallet out to pay for the fare, another man stepped out from an alley and snatched the wallet then ran back into the alley. Our Three Musketeers, all being rugby playing types, gave chase. As my colleague was driving along he saw a man run out of the passage, across the road and into the the alley opposite. By the time he was 20 yards closer the first of the pursuers also ran across the road. A bit closer and the second rugby player did the same thing. Another 20 yards closer and he's now slowed the Multipla down to about 15 mph when, yup, you've guessed it. The third Musketeer ran out and straight into the side of the car and over the bonnet.

His mates caught the thief and brought him back to the scene of the bump and the Police and an ambulance were called. The injured bloke was checked out by Paramedics and was found to be a little bruised but otherwise in good health. He didn't want a fuss and even signed the P.C.'s pocket book to say that it was his fault and he would pay for the damage to the car which, luckily was only a bent wiper arm.

Duncan's insurance company told him the next day that he would lose his No Claim's Discount and wouldn't get it back for about six years. The reason for this? It was in case the man decided to claim for the accident.

He never has and Duncan has since regained his NCD, but not until after the insurance company has benefited from well over £1,000 of additional premiums.
 
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He never has and Duncan has since regained his NCD, but not until after the insurance company has benefited from well over £1,000 of additional premiums.

I would have chased this, it is standard practice to list an incident as fault until settled otherwise however once settled as none fault he may well have been entitled to a retrospective refund of additional premium paid. It doesn't always get you a huge wedge back, some companies still load for none fault incidents however would have thought the difference in NCD would be worth a pretty penny.
 
I had a thought recently regarding my parcel that I sent to China...
Around the time of it leaving the UK, Luton had a "suspect package" which they destoryed... My parcel is missing and may have been put on a plane at Luton?
Just a thought I had but wondering if it will ever turn up...

New grump for the day; "your parcel is with the Yodal delivery driver now and will be delivered today anytime before 9pm" :-/ it needs to be signed for...
 
I would have chased this, it is standard practice to list an incident as fault until settled otherwise however once settled as none fault he may well have been entitled to a retrospective refund of additional premium paid. It doesn't always get you a huge wedge back, some companies still load for none fault incidents however would have thought the difference in NCD would be worth a pretty penny.

:yeahthat:

What happened to him isn't industry practice, should have remained in place until he'd claimed (n)
 
:yeahthat:

What happened to him isn't industry practice, should have remained in place until he'd claimed (n)

May vary slightly from company to company, it's not unknown for NCD to be stepped back at renewal if not protected and the claim remains outstanding. However if that was the case when the claim was finally settled as none-fault and the no claims reinstated the policy should then have been recalculated.
 
May vary slightly from company to company, it's not unknown for NCD to be stepped back at renewal if not protected and the claim remains outstanding. However if that was the case when the claim was finally settled as none-fault and the no claims reinstated the policy should then have been recalculated.

Correct. But in your case a claim was outstanding, in the other it wasn't.
 
Correct. But in your case a claim was outstanding, in the other it wasn't.

I was just thinking of circumstances where what happened may have been justified. But really once settled a recalculation (and possible refund depending on the ncd and loading for none fault) should have been on the cards.
 
Ha ha :p

My grump today (hopefully the only);
That awkward feeling you get when you turn up to your first lecture at uni but no one else is there, is this the right room...
 
Ha ha :p

My grump today (hopefully the only);
That awkward feeling you get when you turn up to your first lecture at uni but no one else is there, is this the right room...

Ah yes the feeling similar to when you pitch up at work and no one is there from your team and you start to wonder if you've come in on the wrong day/could have had an extra hour in bed.
 
:cry:
Feeling lost, confused and having second thoughts just 2 days into the final year of my Masters :yuck::cry:

Everything's falling apart in my world...

Need a bit of good luck, this spell of bad luck needs to come to an end.:worship:
 
:cry:
Feeling lost, confused and having second thoughts just 2 days into the final year of my Masters :yuck::cry:

Everything's falling apart in my world...

Need a bit of good luck, this spell of bad luck needs to come to an end.:worship:

:hug:

Keep your chin up, it'll all work out for the best in the end (y)
 
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