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About Wulfyn

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  1. Hi Everyone! Am hoping for some help regarding the following issue. My suspicion is that to go further would likely cost me more than I would recover so if that is the case just let me know. But hopefully someone in here will be able to give some advice to help. Back in the summer of 2013 I took out a BT Sport subscription package. A couple of months later I got a job offer in a different town so I cancelled my Sky and BT Sport at my address knowing that I can get a good deal at the next place. In October I moved into the new property, booked Sky and BT Sport and everything was great
  2. When it comes to calculating the premium for your insurance a large number of factors are considered (which you will know because of the long forms you need to fill in). When it comes to claims there are generally 2 types of claim, confusingly called "Fault" and "Non Fault". A "Fault" claim is any claim where the full cost of the claim is not recovered from the 3rd party insurer. This can include claims against uninsured drivers, unidentified drivers, or actions like theft where the vehicle is not recovered and there is no one to claim against. None of these are your fault, hence the n
  3. This happens due to the history of the legality of insurance. When you take out an insurance policy you set up a contract with a third party (your insurance company) for them to indemnify you against a loss (of whatever is stated in the policy, i.e. your car or your home etc.). "Indemnity" has a particular legal language - wikipedia can give you a bit more information about it. The specific point is that the contract is set up to cover you against the loss of an item. If the item is lost completely then the contract is no longer valid because the item that it refers to no longer exists.
  4. A Mitsubishi L200 is a van, regardless of how it is used. Allianz will only ever classify this as a van, and will never classify it as a private car. With regard to how insurance products are segregated this would be like you trying to use a motorbike NCD on a car or a van; they are different things. The insurers are therefore perfectly within their rights to refuse it as valid NCD. That said there are some special rules regarding mirroring of NCD, and Allianz are a company that will traditionally do this (most commonly it allows you to mirror a private car NCD to a van, but there is no r
  5. If you don't make a claim then you do not have to declare it as a claim (but you do if they ask you for any accidents). However it may be that the accident has caused other damage that is not immediately obvious. If you decide to go the cash route then any further damages may not be willingly paid for. Also any future issues which resulted in an accident your insurer may refuse to pay out on because they may determine that the cause was due to a fault with the vehicle that you knew about but did not have adequately repaired. All in all it's better to declare a claim - especially so when i
  6. As the issue is being caused by water coming from another property then the owner of the other property is 100% liable for any damages caused. This would be all well and good if they were easily locatable and had insurance themselves, but as they are not then you have to fix things in the interim. Firstly you need to contact your insurance company and make a claim. Tell them that full extent of the problem and ask them to come and fix the problem. If they are unwilling to do so immediately then ask them if they are happy to let you deal with the problem, and if they are then ask them if t
  7. The terminology they have used is poor. They have not cancelled thepolicy, it has been fulfilled. When you take out insurance on an item you are effectively buying the right for a 3rd party to indemnify you against the risk of loss. If you lose the item and claim on the contract and the 3rd party obliges then the contract has been complete. Because it is complete it will no longer cover you. This occurs when a car is deemed as a write off. However for a contract to be complete in full it must also be paid for in full. Otherwise it would be like you no longer paying for some things you
  8. Hi Matt63, 3 things to note here. 1. The policy is in your name, but you are not the owner of the vehicle nor any longer associated with the owner of the vehicle. This means that you have no material interest in the vehicle, which makes the contract void. It is a condition of all insurance that the policy holder has a material interest in the item being insured, otherwise everyone would just start taking out insurance policies against other people in the hope (gamble) that they got hit so a claim could be made. This means that your ex, despite what she thinks, is uninsured. I
  9. Cliff, the second non-fault shouldn't affect the review of the first one. However I just had a thought. A lot of insurance companies use some VERY old computer systems - things which won't be able to log the difference in a non-fault claim with someone driving and with it being unattended. I mean when you go to fill out your answers to get insurance look at what questions they ask you. If they are unable to record the difference then it won't be picked up by the rating engines. However you are doing the right thing in shopping around. One advantage of the insurance market is that
  10. CUE checking is becoming a very common occurence in the insurance industry in order to catch fraud. It's not perfect and insurers are all taking varied and independent approaches to how they are using it. Some for example will not look for non-fault claims, whilst others will. It's a similar situation as to how insurers use non-fault claims. There is a statistical link to the number of non-fault claims you have and the chance to be involved in a future accident. This is possibly because of the 'noise' created from fraudsters who brake hard / in stupid places to make people run into the ba
  11. Agree with both of the above. The lens is not significantly different from the camera, and the sum insured stated accurately covers both. If it was camera + bicycle, or camera + gold watch then they would have a case, but camera + lens they are wasting their time. Complain.
  12. There's been some misinformation in this thread. I'll try to clarify. There is no such thing as short term rates. This is a complete misnomer. The insurance policies you are talking about is for annual cover. There are seperate and distinct short term policies, and they will have their own pricing structures. When you purchase your insurance policy and select to pay monthly you are not paying for the insurance policy month by month. What happens is that you take out a loan to cover the full annual payment. Then the monthly bill that you pay is the repayment of that loan. This is w
  13. Also just be a little wary of garages when they know it'll be covered under insurance, as they will often recommend the option that makes them the most money, safe in the knowledge that as you (the customer) are not going to be paying it you'll also want that option. I'm not saying that they are wrong in this instance, but they could be exaggerating so be careful before you go to the lengths of paying for an independent engineer to assess it.
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