car crash/invalid insurance

[Mame Biram Diouf]

If they cancel his policy how much is it going to cost to get somebody else to take on 6 points with an open claim

Hard enough as it is to get insurance

[Badman]

Theres no tangible reason why they should cancel his policy, even if he didn't disclose his points as mentioned before they can backdate the policy to compensate for the discrepancy

[Mame Biram Diouf]

http://forums.t5d5.org/topic/25511-insurance-question-about-an-accident-and-undeclared-points/

[Mame Biram Diouf]

Cancelling his policy seems the best outcome of what could happen

Could become a legal matter

Even then if his policy is cancelled and his name becomes black listed when he tries to go elsewhere else for car insurance, imagine the quotes for cancelled insurance + 6 points

All depends on how far the guy wants to go though tbh

[Badman]

Regardless, its not set in stone and neither are the procedures. Just call them up and be upfront and hope they sympathise.

Im pretty sure you could argue any mitigating circumstances (even if they aint real) to let them know that its a very difficult situation for yourself. Even drop lines like your stressed and feel depressed etc.

This is not by any means a foregone conclusion...

[Meticulous]

http://forums.t5d5.org/topic/25511-insurance-question-about-an-accident-and-undeclared-points/

 

 

Double check your policy wording but most companies dont need them declared as they are mid term convictions. Anything that immediately affects your licence which will stop you driving taking you over the 12 points, banned for whatever reason should be disclosed immediately but as far as i know minor things like speeding, they dont need to be declared until renewal as thats when the additional charge will be made.

It was certainly like that with my insurer and Admiral Group (elephant, diamond, bell)

hoping this is the case tbh

 

couldnt get through today, left a message and havent heard back. im gonna send a quick email just so they have some record of me contacting them

 

Might aswel sell the car to cover the excess /legal costs and everything else

Life as you knew it is now over

luckily i dont need to should that be the case but its stress same way

[VENOM]

i dont see how the insurance need to know about your points. will they ask to see your paper counterpart? 

[dub]

you're asked to declare "driving convictions"

[Niall Ferguson]

3k excess...

 

[time_bomb]

wow 3k

[Afroman]

wow 3k

[underwriter]

them ones where hes filling out the quotation and it comes to the final part where says 'how much excess do you want to select' he selected the top one so his premium is lowest...

 

come back to bite you now PAL

[Mame Biram Diouf]

Lol done that with my first policy

Biggest gamble of my life

[Afroman]

Lol done that with my first policy

Biggest gamble of my life

Same . Excess was only 450 though.

[Heero Yuy]

Every did that madness on their first insurance though. I would've done a tour in Helmand if it would've got me an extra £50 off back then.

[Meticulous]

them ones where hes filling out the quotation and it comes to the final part where says 'how much excess do you want to select' he selected the top one so his premium is lowest...

 

come back to bite you now PAL

 

smh

[Seydou]

just checked my certificate and i have a 3k excess

im losing from every angle here

Sorry to hear this bro

[FinalBawse]

3k wtf

Think mine was 3 bill

[Greens]

Didn't even know you could have that much excess. That's mad.

[J. Edgar]

why dont the punk just take the cash?

Wouldn't personally give money for an out of insurance settlement. It could end up getting messy if the other party approaches their insurance a few weeks down the line once you've paid him.

[J. Edgar]

 

them ones where hes filling out the quotation and it comes to the final part where says 'how much excess do you want to select' he selected the top one so his premium is lowest...

 

come back to bite you now PAL

 

smh

 

Lol, I do the same, only difference is I haven't crashed, although I've never seen the slider go up to 3k.

[Simply D]

Didn't even know you could have that much excess. That's mad.

this!!

Unless im just not driving this league of whips

what car is it??

[Yung bawse]

Some c*nt just crashed into me.. Cars wrote off.. Clearly his fault

Pissed

[Yung bawse]

Anyone got any tips for injury claims? Car insurance is closed till Saturday so I can't report it to them till then anyway.. Going to go doctors/hospital on Boxing Day and tell them about my shoulder pain/stiff neck then forward on that info to the insurance company on Saturday .. Accident was clearly the other drives fault and he went into my drivers side door (cars wrote off)

[SLEAZE BALL]

Whiplash

Any old gym injuries you may need seeing to

Me being the pagan I am j would put people in the car who weren't even there