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Hair Bear

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About Hair Bear

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  1. Purely out of curiosity, if I don't pay and go to court will the fine be more if i'm found guilty?
  2. Thank you for your responses. Can I ask them to send proof that I was on that street? And would it make no difference anyway, since even if I wasn't on that street I evidently hadn't taxed it on the day in question?
  3. I bought a secondhand car, insured it via telephone before driving it but then drove it the short distance home to get it taxed on my PC. Due to events not worth going into, I didn't get chance to tax it until a couple of days later (so left it in a garage), which I did. even so, I've now got a DVLA fine for the car "being used or kept while untaxed in XXXXX Street". Would I be correct in assuming that there is no fighting this one, that that's it, i'll just have to pay up because I hadn't yet taxed it on the date in question (although ironically the tax is backdated to the start of the month when you pay it)? Note also that I'm convinced I never went anywhere near the particular street in which they say I was spotted!
  4. So sorry I didn't reply earlier. They have now paid out.
  5. Can anyone tell me how the no claims works. The insurance company said "You will lose five years if you claim, so your nine years will be down to four." I paid for the insurance through the Internet, and to the best of my memory it only offered up to nine years in the tick box. There are, however, some comparison sites that allow you to go up to over thirty years. I have been getting insurance with no claims for thirty years, so if my present company send documentation through that says I'm entitled to only four years no claims, how do I go about proving my claims should be (30 - 5) 25 years not four?
  6. king12345;5175074" Your "I can't see the insurance company refusing to terminate the policy of a stolen vehicle whether you claim or not" is contrary to sgtbush's "you can cancel the policy and pay the cancellation fee if you don't claim." Both can't be right. any thoughts anyone?
  7. It was definitely stolen. I know the old owner and she's the most honest law-abiding person I know and is horrified that it was stolen.
  8. Just into the New Year I obtained a second car for the wife. It was a 2004 mitsubishi carisma DID. Although it had 141K on the clock it was in immaculate condition and had a FSH. It was cheaper for me to change my single-car policy to duel-car than she take out insurance separately, so that's what I did. A week ago Thursday someone decided to steal it. I rang the police, who asked if there was any cctv. I told them where they could find it, and left it at that. I rang back a couple of days later to find out if there was any progress, only to be told that they weren't actually going to go around to these cctv owners without my first asking the owners to scroll through and see if they could spot the baddie's registration or face. Fair enough, but why not tell me this as the time of the initial call rather than 48 hours later? Since then I've discovered from one of the cctv owners that it was taken away on a white ford low-loader, the other owners are shop/pub people who said they would give information if the police go around but not deal with me directly. In short, I can't see me getting back the car. So to the insurance. How does this work? I've informed them of the theft but said I wanted to see how things played out in terms of getting back the car before I put in a claim. But I'm not sure it is even worth claiming for. I valued the car at £700, but the insurance people might not think it is worth it. Do they have to pay out what you valued the car at? Also, I'm liable for the first £400, so even if they did pay out on my valuation, I would only be getting back £300 - okay if that's all you can get back, but how much would I lose in no claims? Additionally, since I'm paying monthly, if they do pay out will I be obliged to finish paying off all the payments? If so, it definitely wouldn't be worth claiming if i can instead simply revert to paying only for one car instead (currently i'm paying £84 a month for two cars, it was £38 a month for just the one), but then again, would I be allowed to change payments if i don't claim, and could I also stop the payments on the breakdown coverage? Thanks in advance.
  9. Regarding this same incident, today we received a letter from the police saying the wife is alleged to have committed the following: Driving without due care and attention, Failing to stop, and failing to report a collision. Questions: 1) I've read somewhere that they should have sent this with 14 days of the prang, is this true? 2) If this goes to court can you ask them to change the given date if it coincides with a holiday you have already paid for? 3) What sort of points/action will be given/taken if she is found guilty of driving without due care and attention? (or indeed the other two) Thanks in advance.
  10. It is definitely our insurance company.
  11. My wife confessed to me today that she had been in prang last Thursday, and now our insurance company have emailed saying: “We’ve been told that your vehicle was involved in an incident on 13 December 2018. At the moment we have the following information about the incident: Location Description: xxxxx. Your Vehicle: xxxx. We have tried to call you to clarify these allegations but we have been unable to reach you. We need you to call us on xxxxx. It is important that we speak to you urgently. If we don’t hear from you within the next 5 days and the information provided to us by the third party suggests the involvement of your vehicle, we will accept responsibility for the incident and settle any third party claim.” She says they both stopped and checked their cars. His door was caved in but she had no damaged, and since he admitted it was his fault, she went on her way. Whilst she is sticking to her story, I have the tiniest nagging doubt, because we have been arguing a lot over our lack of money and I wonder if she’s defending from the huge cash impact of going from 20 years no claims bonus to zero. I therefore wonder if it was more 50-50, or indeed her fault completely, and she just drove off hoping he wouldn’t have time to take our registration number. Questions: If we contact the insurance company to say ‘yes, she was involved, but it was the other guy’s fault’, what happens next – do they just decide it’s his word against hers and leave it at that, or is there a massive instigation? Suppose there is cctv that goes in his favour, does that mean she will be fined by the courts if her story is wildly different? If the case goes in his favour, which is cheapest/best method of paying for his damage: taking out a loan or doing it through the insurance and losing your no claims (if indeed you are allowed to choose?)
  12. Glad to hear it. Is there any chance you can construct me a response which also includes a direct reference to the CRA (CRA?) you speak of? I would be most grateful. Thanks for replying.
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