Insurance & Life Assurance | Forum profile

Kaz with the number plate and your neighboor as a witness you can claim straight off the other persons insurance (You get seven years to claim).

Quote: Originally Posted by pastra I think this only applies to policies issued through brokers. It is then the broker who needs to advise the client of the relevant excesses and not Aviva. No, it applies to direct purchases: Quote: If following a claim your car needs to be repaired and you decide not to use our approved repairer then an additional excess will apply, this can be found on your policy schedule. This excess will apply in...

Quote: Originally Posted by borrisspassky but I believe its fraudsters that are responsible for that....not small claims and not legitimate claims. Simply, get the insurance companies to put a small table in their policy documents that says....you are insured for this, you pay this, if you make X claims in Y time amounting to Z this is how much your premium and excess will rise. Simple algebra could do that now with my history. The reason...

Quote: Originally Posted by Oscar The Grouch If I loaned my car to you on the understanding that you had "driving other cars" on your policy and you didn't, I would expect my insurers to meet any claim for third party injury if you mowed down a bus queue. I'd also expect them to recover from you rather than me. But why would you expect that to be the case, given that the right of recovery clause is typically worded...

Quote: Originally Posted by raskazz Yes but on the basis that the insurers have declined indemnity for the theft, they are within their rights to recover from the person who incurred the loss and/or the policyholder. Hi raskazz I thought of that angle too, but I can't see anything in Admiral's policy that would allow for that. If I loaned my car to you on the understanding that you had "driving other cars" on your...

Quote: Originally Posted by Proc This says it all PollyLL. You obviously do recognise that there is actually a massive perceived difference between a Landlord and a Property Manager; hence you supposedly tell people that you are a Property Manager. You've said it yourself: Landlord: Not well regarded. Property Manager: Good enough to tell people. edit: Just noticed you got a result. Although I'm genuinely happy for you, I'm...

The insurer and/or MIB is unlikely to believe the existance of the other driver without proof. I.e the OP crashed into a barrier and is blaming a mystery motorist to lowe their costs.

Quote: Originally Posted by Kaz2904 Out of interest, I had my car hit outside my house about 18 months ago. I've been driving around with a dented bumper since then because I couldn't afford to claim from my insurance (£400 excess). I reported it to the police that evening, took photos of my car and gave them the reg no of the car that hit mine (thanks neighbours daughter for running outside to get it!). I then considered why...

Quote: justify what I originally said, insurance companies make too much money. They make very little on household insurance. In fact, UK insurance is as a whole is not very profitable and many companies have withdrawn and there are very few left still open to business compared to just 5 or 10 years ago. Quote: My concern is not the increase in premiums, whilst I think they are exorbitant, hiding behind actuarial balderdash is how they get...

Quote: Originally Posted by borrisspassky Not at all, I shall not be taking up theirs or any other offer but simply bank the old premiums and save myself the money, I have had no major claims because when it comes to life trauma occurrences extra vigilance is used, I am careful, so actually any future claims would have remained small and kept them making money from me. Tell me would you handle a baby like you would your laptop? No. If you had...