Elite 11+ shopping and chat thread

Arthien

mhoc wrote: »

This is a very difficult situation but you need to be firm and send a text back. Tell them you have checked with your insurance company and they have advised against this as it would affect your premiums.

Yes it is fraud, its called Fronting.

But isn't fronting just if DH or I were the main driver and he was a named driver, even if he was really the one driving it? I can't see anything about it being fronting if we're just named but never/very very rarely drive it. He's asked me to go on it too now. I can see trouble ahead...

I've also looked and can't find any evidence to suggest it would affect our premiums on our own cars if he claimed on his, but logic tells me that it would be bad!

mhoc

tbw wrote: »

A few weeks ago there was an off on MSE of a £25 gift voucher for applying for an M&S credit card via Martins link - you had to use your credit card within 30 days f receiving it I think.

Well, I've got my card but there is no mention at all of the voucher or its conditions and their customer service people are extremely vague about it and are now saying that the offer was only for 'selected' customers !

I can't find Martins newsletter details - can anyone remember anything about this ? I wasn't expecting to get the voucher with the welcome pack and realise I have to use the card first but I had a load of hassle a while back when I transferred a bank account to M&S via an MSE link and they denied all knowledge of the promised £125 gift card offer ! Looks like this offer may be going wrong as well.

I've just managed to locate the T&C's so they better not try and get out of this offer !

I also applied for OH in the last week of September. We finally got a letter a week ago saying that if the requested identity items were not sent within 2 weeks then the application would be cancelled - somewhere along the line there must have been another letter which has gone missing.
OF course by now it was too late, the card would never have arrived by October end so we have let the application lapse

From what I can remember when you got your card you had to buy an item, ideally for £1 or more by October and use your new Marks CC card and then pay the bill off in full. I seem to think there was something else though ...

locarr

Tinyshoes wrote: »

I still have a set unopened. I managed 2 think I actually paid £1 for them before they went to 4p but you are right wash really well.

I got a couple of pairs and one unopened too as I don't wear PJ's
:D Afternoon ALL!

lookinforabargain

mhoc wrote: »

This is a very difficult situation but you need to be firm and send a text back. Tell them you have checked with your insurance company and they have advised against this as it would affect your premiums.

Yes it is fraud, its called Fronting.

I thought fronting was the other way around. As in having the main driver as a named driver?

LEJC

locarr wrote: »

I got a couple of pairs and one unopened too as I don't wear PJ's
:D Afternoon ALL!

all this talk of pj's from years gone by....someone please point me in the direction of a picture....I love a bit of nostalgia.

mhoc

LEJC wrote: »

Arthien....I'm with mhoc on this one too....

Your bil could look at getting a policy with a black box,they can really bring down premiums too....but its one of those things that newly qualified drivers have to put up with I'm afraid....the premiums will reduce over time but dont put yourself at risk just to bring down a premium.

Our DS currently has no need for his car being at uni,and it is parked outside our house...both OH and I are authorised users on his policy but we dont use the car any more than if DS was at home in case there is the slightest hint of fronting.
It does seem that we are paying a large amount for it to be unused but in our mind its better to do that than risk prosecution in any way...
Before anyone suggests...sadly we can't put it off road as we don't have a driveway or garage.

We were 2nd and 3rd named drivers on eldest sons insurance but only as occasional and social drivers. This was a little mini he got when he came back to the UK
Then when he changed his car and got a brand new one ( just dont ask) having us on his insurance would have meant an increase in premiums so now on his insurance its just him.
He was by this time over 25 though.

Errant son started off with a Fiat panda eco, only 4 years old which only had a 1litre engine, no street cred but it was quite van like for carrying all of his kit. We were 2nd and 3rd named as he was still at home and at uni at the time

this is the key element though - lads under 25 with any car with an engine of over one litre are going to have dreadful insurance premiums.

locarr

LEJC wrote: »

all this talk of pj's from years gone by....someone please point me in the direction of a picture....I love a bit of nostalgia.

Of me...not wearing PJ's!!?

emerald21

marmitelovemehateme wrote: »

I don't dream much....well not that I can remember them...but I dream't I was in a field cuddling rabbits a few nights ago....:rotfl::rotfl:

Well that's a nice sweet dream isn t it lol. I always seem to be struggling and have such a lot to do and wanting to contact someone but can t find my phone or I've dropped it and it's smashed .

LEJC

The thing with insurance is everyone needs it and premiums are going up and up for certain sections of people...

I much prefer the little toyota to my big car but it isn't mine so I dont drive it as much as I would like and afterall it was bought as a 17th birthday present for DS so it really is his car.

My view on insurance companies is that if they feel that anyone has overstepped the mark with declaring different drivers etc ...they now have dedicated good fraud teams who will look at any claim with a view to rejecting it if they feel the policy wasn't obtained legitimately.
Whats the point of paying for an insurance that just becomes void in the event of a dispute...or worse still having the car removed and crushed simply because adding named drivers who were ghost drivers to reduce premiums seemed a good idea at the time

In my mind its not worth the risk...but its a choice that each individual needs to make.

altojack

freebird65 wrote: »

I think I might have found a glitch on the Boots website. I have various Xmas gifts in my basket (Xmas points event on today) and total should be £63 after 342 discounts and any other reductions......but if checking out with points, it's only asking for 4,300. I've played around with it and whatever the total, it's taking an extra £20 off. Sadly I only have £3.26 in points so can't test through checkout process....

I haven't got enough points to try it out boohoo, maybe this time next year :cool: