Sorry I said scratch.
But I don't agree with your report to insurance as soon as there is a loss. That means every time someone or me put a scratch on my car i would have to phone up the insurance. I would have had like 5-8 "loss accident" per year.
General insurance
- Thread starter AJ 96
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General insurance
Sorry I said scratch.
But I don't agree with your report to insurance as soon as there is a loss. That means every time someone or me put a scratch on my car i would have to phone up the insurance. I would have had like 5-8 "loss accident" per year.
Scratches, stone chips etc are all reasonable wear and tear, if you've taken your car along a garage door it'll be more than just a scratch. You need to use common sense when looking at these things. Any damage that deforms the body work or leaves it to rust is not wear and tear
Well the basic insurance is called 'road traffic act' so if you have an accident in a private car park and it is not your fault you won't get any money from the other party's insurance.
If you are fully comp with protection then you might be ok but Id read the fine print.
Lastly lots of people destroy clutches by sitting in gear at lights as well as removing wings on garage doors so it is a grey area if it is your wing and your door you can say it was planned just like the clutch failing after 20k.
Wrong and wrong.
Road traffic act is completly different to insurance, and the road traffic act with regards to insurance applies to private land with public access, IE Tesco car park
A Tesco car park has public access and Id not park there SORN and let the insurance lapse.
It may be Tescos property and they may lock it up at night but road traffic rules apply...
One can SORN ones auto on a private land car park like a drive way?
It may be Tescos property and they may lock it up at night but road traffic rules apply...
One can SORN ones auto on a private land car park like a drive way?
the sei is a dear car to insure due to its lack of safety and strength and isureres now see the cost of injury rather than the cost of repair.for example if you had a new car that was 5 star safety euro n cap eg a new ren clio the insurance would be half despite the car being worth 20 times what the fiats worth..some tips for insurance are to put that your doing a high mileage not a low ( sounds odd but yep it works ) put a named female driver on eg Mother Aunt etc insure fully comp as often its cheaper than 3rd party as for excess dont put any as a voluntary ......and shop around big time .or wait till your 21 to insure any car or sell the car back to a parent and have you as a named driver and just use the car occasionally but mind that legally the car is not yours .....am 38 driving for 21 years full no claims and my sei abarth is around £190 per year fully comp but my 3.0 v6 Turbo saab with 300 bhp is only 70 quid more ...crazy....use all the go compare money supermarket places and also try independent insurance brokers and if you get a quote from the likes of go compare then do the same quote via the person they say is the cheapest as often not going via place like go compare can be cheaper but not always another thing is do a Pass plus course and the likes of Institute of advanced motorists course
Not nessecarily, depends completely upon the insurer.
Again not nessecarily, depends upon the insurer, you shouldn't lie or deceive to get cheap insurance through deception though!
The fact they're female makes no difference, it's driving history you want to go for.
Not sure why you're suggesting that, often the higher an excess the lower a premium (granted not always, but worth having a play).
If OP is the main user, which they've advised they are, then this is fronting, it's insurance fraud, illegal and has massive life long consequences when you're found out! Not worth the risk
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Yes, insurance on our old 53-reg Seicento 1.1 S was slighty more than our brand new earlier in this year 500 1.2 Colour Therapy. There is a significant price difference and also higher insurance grouping in the 500. Being my wife's car, so insurance in her name, and the sex equality rules now, I had expected an increase there too so we were pleasantly surprised it being less for same cover.
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Most of us have probably done similar to your scenario and not reported it. I have, and not reported it, even though technically I ought to. I have not delayed getting repairs done...quickly removing the evidence of my (luckily minor) misdemeanour.
Insurance companies will try to get out of paying out on a claim. If you are involved in an accident and their Assessor comes out and notices damage to your car that wasn't part of your claim but you haven't declared it...
Brace your selth guys Pep0 is coming be prepared to read utter dogs ******
Not nessecarily, depends completely upon the insurer.
Again not nessecarily, depends upon the insurer, you shouldn't lie or deceive to get cheap insurance through deception though!
The fact they're female makes no difference, it's driving history you want to go for.
Not sure why you're suggesting that, often the higher an excess the lower a premium (granted not always, but worth having a play).
If OP is the main user, which they've advised they are, then this is fronting, it's insurance fraud, illegal and has massive life long consequences when you're found out! Not worth the risk
Mate your talking through yer arse and your snide wee QUOTES show you for being the little **** you clearly are
Likewise, and most know that its you who is actually talking out of their arse, where as I know what I'm talking about.
And whats your issue with the multi quote? or was it knowing that you're in fact the one in the wrong for most of your post......?
That's enough... Read the forum rules re interacting with other members and profanity's
And you have to understand you will find members on here who are in the trade so to speak be them police officers, insurance claim investigators or contract loss assessors
Look who's the little keyboard warrior of an arse now. Don't spam my Public Profile with your crap in a Visitors Message and then decide to turn off your profile Visitors Messages. Not a very manly thing to do :tosser:
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IF my little cousin has put 4 different scratches on my car, so is not wear and tear, do I report this as 4 different accidents aye?
Your help is much appreciated.
Your help is much appreciated.
Hi YCming
If it was a new auto and you were going to body shop and claim on ins yes
Otherwise body shop it yourself.
If it was a vandal and you reported it plod then yes and it may affect your NCB even if you don't claim on ins.
If in doubt phone broker or David.
If it was a new auto and you were going to body shop and claim on ins yes
Otherwise body shop it yourself.
If it was a vandal and you reported it plod then yes and it may affect your NCB even if you don't claim on ins.
If in doubt phone broker or David.
More exactly the person who turns up to inspect your auto is an independent auto engineer who merely writes a report of the autos condition.
He would write such reports for other ins companies.
If you were being cautious you could get an RAC appointed eng to write an independent report.
If there was personal injury Id do that.
If it goes to court then the judge will ask the eng for clarification on the report not the insurance company.
It is the judge who makes the decision that your insurance contract is void.
If you have been wilful then the insurance company can void the contract from the eng report and leave you to sue them it is a contract under English law it would still be the judge who agrees with them or not.
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