The grumpy thread

[Talbot]

And in other insurance news, Hastings Direct can just fuck off and die! They want £50 odd  to cancel the policy on the KIA, no rebate on unused cover, nothing.

Just leave it running and allow it to expire. Gains you another year no claims too..

[The Moog]

I see the thread for the roffled Rover has been deleted. No pictures of the damage and the owner goes yellow. If I were a suspicious person...

Was moved because you made the same assertions and the op isnt there to rebut them.

 

I didn't think it was fair - goes against the ethos of AS.

 

I am on my phone using Tapatalk so am unable just to hide that post.

 

If it is an issue feel free to PM me.

[artdjones]

My mother always taught me that if you can't say anything nice, don't say anything at all.

 

 

Well that's half the content gone.

[xtriple]

Just leave it running and allow it to expire. Gains you another year no claims too..

Can't now as I told them I'd sold the car. Just had a stroppy e-mail from them, so I've complained. I'll get nowhere but hey, it makes me feel better to have a rant now and again!

[dave21478]

Just leave it running and allow it to expire. Gains you another year no claims too..

 

Dont do that.

In the event of an accident, when it turns out there are two policies on one car things get legally complex and bad for the person who is insuring a car they no longer own.

[Kiltox]

Dont do that.

In the event of an accident, when it turns out there are two policies on one car things get legally complex and bad for the person who is insuring a car they no longer own.

Only if you try to claim on both policies surely

[dave21478]

No. If xtriple were to leave his policy running and the new owner insured it too and had an accident, the new owners insurance would be well within their right to say, yeah nah, we arent paying, its already insured with another company, and xtriples insures would say nah but we aint paying either and it becomes monkeys at the zoo pooping into their hands and throwing it at each other. In fact I think it actually illegal to have two policies covering the same risk, or if not illegal, expressly forbidden by the insurers....I seem to remember wording to that effect on various policies.

[mercrocker]

One of the Principles of Insurance, isn't it?    Utmost Good Faith.   Not telling porkies, like "I have this car" when I haven't.

[Kiltox]

No. If xtriple were to leave his policy running and the new owner insured it too and had an accident, the new owners insurance would be well within their right to say, yeah nah, we arent paying, its already insured with another company, and xtriples insures would say nah but we aint paying either and it becomes monkeys at the zoo pooping into their hands and throwing it at each other. In fact I think it actually illegal to have two policies covering the same risk, or if not illegal, expressly forbidden by the insurers....I seem to remember wording to that effect on various policies.

What happens if I lend you my van on the proviso you insure it for a couple of weeks / months ? Not going to cancel the annual policy (and didn’t when a mate borrowed it a few weeks ago)

 

It would be illegal to claim for damage / theft on more than one policy or to have more than one policy in my name, I agree

 

Edit - bear in mind that insurance is specific to a driver AND a vehicle

[alcyonecorporation]

One of the Principles of Insurance, isn't it?    Utmost Good Faith.   Not telling porkies, like "I have this car" when I haven't.

swop for Mk1 Civic??????

[Datsuncog]

Weirdly, I once mantained a policy for a car already I'd sold on at the express recommendation of the insurance company (NFU).

 

I was 19, I couldn't afford to pay the monthly insurance instalments for my Datsun Sunny Coupé and pay rent for the scummy student house I was dossing in (hey, the insurance was more than the rent), so reluctantly realised the car had to go.

 

Once the Sunny was off down the road with its new owner, I called into NFU to cancel the policy (held for 8 months at that point, at a soul-bending £168 a pop) and they recommended that, instead of cancelling it, I transfer my cover to a fire and theft only policy (i.e. no third party cover for road use). This would change my monthly payments to something negligible like 48p a month. I thought it was slightly weird, but the insurer said that it would allow me to accrue another year's NCB if I kept the policy on until it expired, whereas if I cancelled there and then I'd lose it. So I agreed.

 

At renewal time, I got a quote for something like £5.62 for the year, for A798UHX - a car I didn't even own (and possibly had already been scrapped by that stage). I paid the fiver and change to keep my cover going (and build that precious NCB), then a few months later (tired of having no transport) bought a rotter of a Mk2 Fiesta for £120, and changed the policy back to TPO cover for the Fezzer.

 

I always wondered how this setup would have worked in the event of a claim by the Datsun's lucky* new owner. I was sceptical, but assured by my local NFU branch that it was legit. And this was a proper old-school high street insurance office with time-served staff I was dealing with face-to-face, not a call centre with someone desperate to make their customer retention target.

 

Weird.

 

[AlabamaShrimp]

Was moved because you made the same assertions and the op isnt there to rebut them.

 

I didn't think it was fair - goes against the ethos of AS.

 

I am on my phone using Tapatalk so am unable just to hide that post.

 

If it is an issue feel free to PM me.

I don't have any issues you do what you feel is right. At the end of the day it's sod all to do with me

 

Edit: I always thought the ethos of AS was you could comment on anything even if you didn't agree with it. Has that changed?

[Pillock]

Dont do that.

In the event of an accident, when it turns out there are two policies on one car things get legally complex and bad for the person who is insuring a car they no longer own.

 

When I sold the Saab of much floppytoppage to njgleeds, I had about three months left to run on the insurance with Admiral.

I phoned them and they politely explained that I could cancel it but that would cost me £100 or something daft. Because the initial payment was more, or it was payable over 10 months or something actually I owed them less than the cost to cancel it and only had about £40 left to pay.

 

What they did do, was let me insure nothing. They "parked" the insurance with no car attached to it - I may have talked them into this slightly by saying I was thinking of buying another car, but whatever. Let it run for 3 months, made the last payment, the Saab wasn't double-insured but I completed the year and put another year on my NCB.

[dave21478]

What happens if I lend you my van on the proviso you insure it for a couple of weeks / months ?

 

Fucked if I know.

 

I do know that plenty of people have got the dry shaft for this.

 

https://www.rac.co.uk/forum/showthread.php?19031-car-sold-but-insurance-left-running-now-a-claim-against-me/page3

 

https://www.ducatiforum.co.uk/threads/d-v-l-a-oversight-be-warned.32079/page-3

 

The googles has plenty more examples.

 

And an old direct Line policy booklet in my desk drawers second item on the list of "Things we will not cover" is claims arising if there is other cover in place.

[chaseracer]

I don't have any issues you do what you feel is right. At the end of the day it's sod all to do with me

 

Then please, for all our sakes, LET IT GO!!!!

 

[Supernaut]

https://youtu.be/mpYS4c9E-TA

[dollywobbler]

Stopped a pickpocket from lifting my wallet earlier.

 

As I grabbed her arm she screamed.

 

Then, she gobbed at me as I walked away. It might have been the threat of me breaking her neck if she carried on.

Trying to rob someone who's not at all happy with work and wanted a break really isn't that wise.

 

Joke's on her, snapped neck or no; I'm skint.

 

Stay classy Peterborough...

[Tickman]

Can't now as I told them I'd sold the car. Just had a stroppy e-mail from them, so I've complained. I'll get nowhere but hey, it makes me feel better to have a rant now and again!

Ask to swap the policy onto something really old.

I had a policy with direct line and got rid of the car, I didn't have anything modern to replace it with so I asked to change the vehicle to the Triumph Toledo and was told they couldn't provide cover for it as it was too old for their system to give a shit about so would stop the policy and give a full pro rata refund with no admin fee because it was their issue they couldn't cover my new car

[AlabamaShrimp]

Then please, for all our sakes, LET IT GO!!!!

 

There's nothing to let go as there was nothing there in the first place?? Why are you trying to make out there is?

[Slartibartfast]

Ask to swap the policy onto something really old.

I had a policy with direct line and got rid of the car, I didn't have anything modern to replace it with so I asked to change the vehicle to the Triumph Toledo and was told they couldn't provide cover for it as it was too old for their system to give a shit about so would stop the policy and give a full pro rata refund with no admin fee because it was their issue they couldn't cover my new car

Also works for 9 seaters. Say you're buying a 9 seat Ford Tourneo Custom. I know from irritatingly personal experience that they don't cover those.

[DVee8]

A young lad that i'm training at work to do my old job,agreed to work a 12 hour nightshift Saturday night.He left home to go to work,didn't turn up and hasn't been seen since phone turned off.

[madrat]

^^ shit!

[purplebargeken]

Oh that ain't good at all.^^

[eddyramrod]

I hope someone's reported him missing?

[DVee8]

Work tried to contact him Saturday night,a few times Sunday and today,phone still turned off no offerings on social media.his other half has no idea either.Understandably a little worried as I have been training him since October on and off,he does have some anxiety problems.

[Slartibartfast]

Oh bloody hell. I hope he's OK. Have the rozzers been informed?

[Tamworthbay]

That does sound worrying, hopefully he just needs a bit of off grid time and will turn up ok.

[DVee8]

Hopefully he is shacked up in a travel lodge with a stunning redhead..

[madrat]

As someone who has and has worked in "mental health" this dose not sound good, I hope he's just ran off for a bit, the problem comes the longer he is hiding.

[Snipes]

What happens if I lend you my van on the proviso you insure it for a couple of weeks / months ? Not going to cancel the annual policy (and didn’t when a mate borrowed it a few weeks ago)

 

It would be illegal to claim for damage / theft on more than one policy or to have more than one policy in my name, I agree

 

Edit - bear in mind that insurance is specific to a driver AND a vehicle

Your mate can't insure your van as it is your van and not his. Actually, if he gives you anything at all in return, even if it's just to replace the fuel he's used, then it's hire for reward and things can get really messy.