Jump to content


  • Tweets

  • Posts

    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
    • UK travellers are being caught out by post-Brexit passport rules.   When do I renew my UK passport and what is the 10-year rule? WWW.BBC.COM UK travellers have been turned away at airports because their passports are not valid for EU travel.                                   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

European Driving - Named Driver


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5779 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Evening all,

 

I'm taking my car to France for 2 weeks soon and whilst I, as policy holder, am insured fully comp, it doesn't mention anything about other named drivers on the policy.

 

Quote from policy docs:

"Cover also includes 60 days comprehensive cover within the EU."

 

Has anyone any knowledge/experience if named drivers are generally included in EU cover, or indeed, if they are not?

 

Cheers

Link to post
Share on other sites

Depending upon your insurer, they may have issued you with a European Certificate however, as you mention that EU cover is limited to 60 days, I suspect that you would need to notify them of your dates of travel. If you do not have a European Cert then they will need to issue an endorsement ( or Green Card ). If they do, I bet they'll charge you an admin fee !!!

 

Strictly speaking a GC is not required however if you do not notify the insurer ( personal lines is different to commercial ) then cover could be limited to the Road Traffic Act of that particular country you are in.

 

In addition, I would recommend a breakdown cover such as AA 5 Star as most insurers would not cover repatriation etc when abroad.

 

As for persons named on your policy, the issue of a GC or relevent endorsement would afford the same cover as the policy provides in the UK to all nominated persons. It is simply an extension to your UK policy.

 

In essence though, contact your insurer to be on the safe side.

  • Haha 1
:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
Link to post
Share on other sites

cheers Trojan...I've got the breakdown sorted - found a great value online service through insureandgo.

 

another query:

 

my policy insures me to drive any other car on a 3rd party basis. There is no stipulation that this has to be in UK. Do you think I am correct in assuming I have minimum cover driving another car in France?

 

cheers

Link to post
Share on other sites

The "Driving other Cars" ( DoC ) extension applicable to certain insurance policies will allow the policyholder to drive a vehicle not owned/hired to them for Third Party Risks only (TPO). It is really designed for "emergency" use only to legally drive another vehicle.

I'm not sure legally where you would stand especially driving a foreign registered vehicle in a foreign country under a UK policy extension. I certainly would not recommend this. Perhaps an Underwriter or legal expert can comment - I'm a broker in the commercial world where DoC does not apply to fleets so am a bit rusty on personal lines underwriting.

 

There are a few threads on this subject where others have commented so worth looking at them.

 

Again, if in doubt, ask your insurer - You may not get an immediate answer though as it is a specific technical underwriting issue which may need to be referred.

 

It is a good question though which I will put to some of my colleagues in the underwriting world - I bet they won't even have an answer - and we're talking ACII qualified brains !!!

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
Link to post
Share on other sites

The "Driving other Cars" ( DoC ) extension applicable to certain insurance policies will allow the policyholder to drive a vehicle not owned/hired to them for Third Party Risks only (TPO). It is really designed for "emergency" use only to legally drive another vehicle.

I'm not sure legally where you would stand especially driving a foreign registered vehicle in a foreign country under a UK policy extension. I certainly would not recommend this. Perhaps an Underwriter or legal expert can comment - I'm a broker in the commercial world where DoC does not apply to fleets so am a bit rusty on personal lines underwriting.

 

There are a few threads on this subject where others have commented so worth looking at them.

 

Again, if in doubt, ask your insurer - You may not get an immediate answer though as it is a specific technical underwriting issue which may need to be referred.

 

It is a good question though which I will put to some of my colleagues in the underwriting world - I bet they won't even have an answer - and we're talking ACII qualified brains !!!

 

thanks for info. underwriter doesn't seem to know much i'm afraid - i always get a call back tomorrow, we'll have an answer!!

Link to post
Share on other sites

DOC does not apply for driving in the EU, you will need to check the territorial limits of your policy. Some companies charge for EU cover and that will only cover the inured vehicle as this has to go on the GC.

 

Again some companys offer 90 day trip cover to the EU but again this only applies to the insured vehicle as the cert will have the bail bonds,EU insurance agreement etc printed on the reverse

Link to post
Share on other sites

To answer your queries:

 

Yes, named drivers are covered with the same cover as yourself. As trojan pointed out, some insurers cover you to drive in the EU as standard, others will charge you for a green card. In either case all drivers named on the policy will have the same cover, in your case fully comprehensive.

 

 

The DOC cover will only apply within the UK, it will definitely be explained in your policy documents somewhere, usually within the territorial limits section.

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...