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    • Slight Update - All payments should be made by the end of this week. However the Customer Service Team are unable to say how much is due as they "Dont have access to say"  Payments should be made by BACS to your Bank Account.    Please keep an eye out. 
    • Actually just calculated it again its just under 6 months by 11 days 
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    • Johnson is playing a pretty good game while the corbynistas continue to prove they are anything but with their  'more democratic party' where rules are changed when the Corbynistas break them, and they try to ensure that even if they lose, there people are in permanent positions when the hard working troops lose their jobs.   Corbyn allies ‘line up top jobs before new Labour leader is elected’ https://www.theguardian.com/politics/2020/jan/26/corbyn-allies-line-up-top-jobs-before-new-leader-elected     Rebecca Long-Bailey broke Labour leadership rules but was cleared by Corbyn allies https://www.independent.co.uk/news/uk/politics/rebecca-long-bailey-labour-leadership-rules-broken-corbyn-election-latest-a9300891.html         While Johnson consolidates his wins from Labour   https://www.theguardian.com/uk-news/2020/jan/26/northern-rail-to-be-renationalised-and-some-beeching-closures-reversed   " Blyth Valley, a former Labour stronghold in the north-east that turned Conservative in the election and presaged the collapse of the “red wall”, is likely to be among the first places to benefit from the reopening of passenger services. "
    • “Variola may have been introduced to humans through such a cross-species transfer” “It is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; both viruses are apparently descended from a recent common ancestor.” https://academic.oup.com/cid/article/38/6/882/321153   To re-read. Frankly anyone who thinks the WHO, CDC and UK Gov recommendation of 14 days is anything other than a sensible minimum, is a dangerous idiot IMO, particularly given the apparent extremely fast mutation rate being reported ...  and ability to jump species         Mutation of Smallpox **********************   "Clinical descriptions indicate that smallpox always had a high case-fatality rate until around the end of the 19th Century, when a more benign form of the disease, with a similar rash but much lower mortality rate, appeared in the Western Hemisphere. Less lethal types of smallpox were also noted in Africa, where they may have existed for some time [5]. These milder variants are now designated “variola minor,” in contrast to the traditional “variola major.” The genetic changes responsible for attenuation have not been identified. https://academic.oup.com/cid/article/38/6/882/321153   Interestingly cowpox was used as a relatively effective ‘vaccine’ against smallpox, and monkeypox seems to be ‘expanding’ to fill the nasty nitch that smallpox existed in. Note That although smallpox and monkeypox are often talked about in the same breath, and are often considered closely related, despite monkeypox, camelpox and Cowpox vaccines’ effectiveness against smallpox and each other, the genetics of smallpox and monkeypox have been examined and they are not believed to be actually genetically ‘related’. https://www.who.int/news-room/fact-sheets/detail/monkeypox   … On the other hand Camelpox and Smallpox on more recent examination are believed to be VERY closely related: “Variola may have been introduced to humans through such a cross-species transfer” (like Coronavirus) It (smallpox) is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; ***** both viruses are apparently descended from a recent common ancestor.” "The appearance of variola minor may represent a stage in variola's adaptation to its human host." https://academic.oup.com/cid/article/38/6/882/321153       Possible sources of fresh smallpox outbreaks ************************************************ Lots of references say things like smallpox has been ‘entirely eliminated from the world’ when it clearly still exists. ‘Eradicated’ should be qualified as being ‘from the living human poplation. Even whether ‘carriers’ exist is unknown.   * ‘Officially’ (WHO approved) in 2 labs - which means little to weapons programs or nature itself - Accidents and misplacing links already supplied.   * Unofficially it is claimed to be held in other bio-weapons labs: Just two links of many: https://en.wikipedia.org/wiki/Soviet_biological_weapons_program https://www.news-medical.net/health/Smallpox-Biological-Warfare.aspx   * Animal hosts and species jumping of genetically similar Virus like Camelpox.   * thousands of Inuit infected bodies across the melting areas of the melting Northern ice and peat bogs and tar pits around the world. http://www.bbc.com/earth/story/20170504-there-are-diseases-hidden-in-ice-and-they-are-waking-up https://www.npr.org/sections/goatsandsoda/2018/01/24/575974220/are-there-zombie-viruses-in-the-thawing-permafrost?t=1580114743932     in the summer of 2016 a large anthrax outbreak struck Siberia. "A heat wave in the Arctic thawed a thick layer of the permafrost, and a bunch of reindeer carcasses started to warm up. The animals had died of anthrax, and as their bodies thawed, so did the bacteria. Anthrax spores spread across the tundra. Dozens of people were hospitalized, and a 12-year-old boy died.   On the surface, it looked as if zombie anthrax had somehow come back to life after being frozen for 70 years. What pathogen would be next? Smallpox? The 1918 flu?"      
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Fletcherhelen8

Car insurance company 'MyPolicy' are overcharging my daughter in admin fees.

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Good morning,

 

My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test.

They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles.

 

a few weeks ago she was involved in an accident which wasn't her fault,

the other driver admitted blame immediately.

The claim has been settled and they have sent the cheque.

 

Now, the problem is the charges they want to slap on her.

Her car was a write off so she is going to buy her brother's car.

They want to charge her £150 for a new black box and £100 to change the details on the policy to the new car.

This sounds totally unreasonable to me and is a loss on her part seeing as the accident wasn't her fault.

Baring in mind the black box only cost £50 to fit when she first took out the policy.

 

She's young and inexperienced and doesn't know what to say on the phone.

Last time I tried, they wouldn't speak to me,

but surely if she gives her permission that should be fine?

I need to fight her corner for her as I can be stronger on the phone.

 

I need some advice as this charging can't be right.

It's a total rip off to me.

 

 

Any advice would be greatly appreciated.

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They can speak to you, if she authorises it first.

 

If the policy terms allow these charges, then i expect they are difficult to argue against. They might fit a blackbox for £50 when the policy is started, as that is part of being a new customer. The Insurers have a deal with a company that does the installation. But as a deterent to avoid people changing cars during the mid term of policies, they add these higher charges. Of course it is not her fault, because a third party had caused an accident.

 

I think you should ask the question as to whether these charges can be claimed back from the at fault third parties insurers. They are a direct consequence of the accident. These are costs incurred to put your daughter back in the same position as she was prior to the accident.


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Thread moved to the appropriate forum.

 

Regards

 

Andy

 

Welcome to CAG Fletcherhelen8


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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

Not if the Insurers allow a change of car on the policy, which in this case it appears they do.

 

The Insurers might have reduced settlement by deducting remaining annual premium left to pay, but they also have choice of allowing policy to remain open for a change of vehicle, if this happens quite quickly.

 

You raise a point, as to whether the person in this case might be better off seeking a new policy. They would have to obtain details to see whether the sums add up.


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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

That's not the case anymore, all insurers should allow a replacement vehicle to be covered on a policy to replace a written off vehicle providing a) It's a vehicle they would normally cover and b) the customer paying any normal difference in premium

 

OP You need to look at any terms and conditions and especially relating to fees and charges

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