Insurance Question

debtdebt

rovers86 wrote: »

Hi,

Having been in the insurance industry (claims) for the last 12 years.As one of the "principles " of insurance you can't have "duel insurance " .Also as I assume you aren't married it breaks another rule, as there is no insurable interest, hope this helps.

I really do pity those people who's claims are handled by yourself given your complete lack of knowledge on the subject and your poor spelling.

Ps, dual doesn't auto correct to duel .

Hermione_Granger

debtdebt wrote: »

I really do pity those people who's claims are handled by yourself given your complete lack of knowledge on the subject and your poor spelling.

Ps, dual doesn't auto correct to duel .

I pity those people such as yourself who can't read posts correctly as rovers86 stated that the word duel was used instead of dual because of predictive text and they made no mention of auto correct.

Also, if you are going to comment about poor spelling, you might want to check up on your use of "who's"

debtdebt

Sorry, it was predictive text.

AdrianC

Even ignoring the concept of "proof-reading", I've never yet come across predictive text that doesn't give you a choice of words when it thinks there's a mis-spelling.

shaun_from_Africa

A good explanation of double insurance:
http://www.lloydrehman.co.uk/blog/2010/06/22/when-double-insurance-isnt/

IamNotAllowedToUseMyName

AdrianC wrote: »

Even ignoring the concept of "proof-reading", I've never yet come across predictive text that doesn't give you a choice of words when it thinks there's a mis-spelling.

I use the Android squiggle input on a smart phone and it always will guess something and not prompt that it is not happy.

The trouble is that it is about 95% accurate, so good enough that you can go for ages and it just works, and you don't always notice a similar word being selected.

AdrianC

Your post contains 56 words so, at a 95% accuracy rate, three would be wrong.

One of them appears to be the name of the app you're using - "Squiggle" is a not very popular game.
https://play.google.com/store/apps/details?id=com.tonicturtle.squiggle&hl=en

Either way, it's a lousy excuse for homophonic errors.

rovers86

debtdebt wrote: »

I really do pity those people who's claims are handled by yourself given your complete lack of knowledge on the subject and your poor spelling.

Ps, dual doesn't auto correct to duel .

1am posting doesn't suit you, here 's that attention you ordered.:T

Aretnap

At the risk of actually commenting on the substance...

rovers86 wrote: »

As one of the "principles " of insurance you can't have "duel insurance " .

Of course you can. Dual insurance is not only possible, it's extremely common. To give just one example of a situation where it's common, many people with have home insurance which covers their possessions, and separate insurance for individual items (eg gadget insurance for mobile phones, tablets etc). If they take those items on holiday and get travel insurance, they may well be triply insured. All perfectly normal and above board. The only principle that matters is that they can't claim more in total than the actual loss - ie if they lose their mobile phone on holiday they can claim on home insurance, travel insurance OR gadget insurance - but they can't claim on all three and end up with three new mobile phones.

Having two policies running on the same car is not as common, but in principle it's no different. (In fact there are insurance companies whose whole business model involves offering a second policy on a car).

Also as I assume you aren't married it breaks another rule, as there is no insurable interest, hope this helps.

Not sure what you think being married has to do with it, but you have an insurable interest in any car you drive (as you'll end up paying for any damage you cause it), and certainly in your own third party liabilities, regardless of whether you own the car itself. The need for an insurable interest merely stops you insuring a car you have no connection with at all in the hope of profiting from an accident (eg by taking out a policy on a neighbour's car because you've noticed that he drives badly).

If you don't think you can insure a car owned by a non-married partner then you should probably complain to (to pick an insurer at random) Direct Line, whose assumptions state "The vehicle is owned by you, your spouse, partner, civil partner, your parent, employer or lease company", and seem violate this principle.

IamNotAllowedToUseMyName

AdrianC wrote: »

Your post contains 56 words so, at a 95% accuracy rate, three would be wrong.

One of them appears to be the name of the app you're using - "Squiggle" is a not very popular game.
https://play.google.com/store/apps/details?id=com.tonicturtle.squiggle&hl=en

Either way, it's a lousy excuse for homophonic errors.

It may appear to be a poor excuse, but it is one I would recognise as being reasonable.

What you find with the swipe input is that you may go for some time and have no issues but particular combinations are error prone. Duel and Dual would be a good example, because the system does not require you to accurately move across the letters, it uses the shape, so you start at D, move right towards U, then back to the A then back to the L. If you do not reach the A (it would be sufficient to move through somewhere around D) it is a lottery whether it will decide you meant E or A, both give words that the text system may well find score similarly for the shape that has been drawn - as D is physically closer to E than A it may score that higher while offering dual on the word selection).

It is a very quick way of writing so the motivation to use it in spite of the relatively frequent errors is high. Basically, you can produce a lot of accurate text and then there will be certain words where it falls apart.

There is another flaw in the system - you look at the keyboard space to do the swiping. On a PC I look at the words as they are produced not the keyboard and correct as I type - which explains the tendency to overlook mistakes.

Not sure that is the same system as Rovers86 was using but plenty of users will be. Given the range of users and their education or even interest in correct English, jokes about inappropriate words, fair game, put downs for them should always be out of order.