Things John said

dacouch · 22 December 2016 at 8:44PM

OnanTheBarbarian wrote: »

You bad man

Assuming the question asker can decipher the gobbly gook answer HJ gives. Do you think they will realise that his ultimate answer is B.S and ignore it.

Or do you think they will try and follow his advice (Even though I'm not sure you could actually follow his advice to the letter)

OnanTheBarbarian · 22 December 2016 at 8:47PM

They will rely on the bs in his reply and waste months of their life fighting the insurance co and probably bother the ombudsman too.

dacouch · 23 December 2016 at 5:04PM

OnanTheBarbarian wrote: »

Couldn't hold back any longer and have shamed this guy on twitter. I even messsged him a few months back to offer technical input on the advice column.....

Did you see what happened to his last Legal Adviser?

Lucy Bonham Carter...

She certainly out the cat among the pigeons

OnanTheBarbarian · 23 December 2016 at 5:56PM

What happened there?

dacouch · 23 December 2016 at 6:17PM

OnanTheBarbarian wrote: »

What happened there?

She blitzed the forums in particular HJ but she popped up here and had a spat with Quentin.

She quoted authoritively on law and "blushed" at any mentions of her famous cousin.

HJ used her as his special adviser on Legal matters and she pitched for a lot of business by forums for her CMC and Credit Hire.

http://www.honestjohn.co.uk/forum/post/?t=91643 (Most likely moderated)

http://www.lawgistics.co.uk/read-news/246

http://www.c4p.biz/forum/post/index.htm?t=11437

http://forums.moneysavingexpert.com/showthread.php?t=3298642

My favourite...

http://www.brick-yard.co.uk/forum/witty-response-needed_topic25398.html

There are plenty of forum posts around the net from LBC and her alto ego Murdo

Some will be heavily moderated though.

Well worth having fun with googling her name.

dacouch · 6 January 2017 at 8:22PM

Reader's Question...

"Can I check my own details on the National Insurance website?
My car insurance is now due for renewal but premiums are all excessively high, being 75-100 per cent more than last year, even though I have 14 years NCD. When I contacted my current insurer it appears there is a note against my vehicle concerning an accident in July 2016. This relates to a fraudulent claim where my car's reg was quoted, however I knew about this and had been assured by the insurance company that they agreed the claim was false and they have confirmed same in writing. Problem is that I suspect that this false claim is still registered on the national database which is why my insurance quotes are so high.

They say they will now remove any reference to aforementioned claim from the national database but that premiums would not be affected anyway as the information wasn't available to other insurers. Is there any way I can check my details on this National Insurance database?"

John's Answer...

"Yes, it will be. This is the nasty situation that a lot of drivers are finding themselves in and insurers say policyholders can't do anything about it due to insurance being based on "absolute good faith". So what you have to do is notify the Motor Insurer's Database that if they do not remove this false information you will take out a small claims action against the MID for the libel damage to you of continuing to record false information about you. But anyway, insurers use 'dynamic pricing' for renewals by which they hit you with a ridiculous initial quote then gradually come down until a mutually acceptable price is reached, probably about 20 per cent more than last year's premium."

http://www.honestjohn.co.uk/askhj/answer/72601/can-i-check-my-own-details-on-the-national-insurance-website-

The Motor Insurance Database will be confused when they receive that Letter Before Action...

dacouch · 10 May 2017 at 10:02PM

John has now passed over answering Insurance related questions to Tim Kelly aka the Claims Guru http://www.motorclaimguru.co.uk/

http://www.honestjohn.co.uk/askhj/answer/78433/i-reversed-into-car-that-didn-t-have-an-mot---what-should-i-do-

Question...

I reversed into car that didn't have an MoT - what should I do?
I was driving down a narrow country lane and a big tractor was coming towards me. I'd just passed a drive so went to reverse into it, then I hit a Land Rover Discovery behind me (or he hit me, I will never know). He never beeped his horn nor tried to reverse. We exchanged contact details, I said if the damage was not too costly I'd rather pay for it. He never gave me his details but his partner's. At home I discovered his MoT had run out a week previously and he was not on his way to a pre-booked MoT test when I reversed into him. Where do I stand legally? Would insurance pay for the repair for his cracked front bumper? Or would they use the lapsed MoT to get out of paying? The damage to my Renault Trafic is £580, my insurance excess is £350. The driver has been away on a trip and was supposed to get in touch with me a week ago and never did. I don't want to deal with his partner as she became hostile when I mentioned the driving without a valid MoT. I did report the "accident" to the police the day after it happened. What should I do next? I'd rather pay to get my car fixed than claim on insurance.

Answer...

Under tort law you have caused him "injury and distress" and the matter of whether his vehicle is legal or not is irrelevant, you have still damaged his property. If you are liable for the incident you're liable for the damage. I would in your situation contact your insurer to advise that you do not wish to claim, though you are contacting them for "information purpose only" and to log the details as that. Advising that you have been involved in an incident, advise them that they MUST contact you should anyone contact them in relation to a claim, and they MUST not act in any way that may prejudice you. I would then wait to see if the gent gets in contact. Technically he cannot go via his own insurer as he was not insured at the time having no mot. So he may not bother.

It was all going well until the last two sentences.

waamo · 10 May 2017 at 11:24PM

Bloody hell...he is a claims "guru"?

That's approaching dangerous advice.

mattk_180 · 11 May 2017 at 1:25PM

He was so close! Fell at the last hurdle.

dacouch · 16 May 2017 at 5:34PM

This one has quite a big assumption at the end of the answer...

http://www.honestjohn.co.uk/askhj/answer/78748/a-cyclist-without-a-light-collided-with-my-car---who-s-at-fault-

Question...

"I was going through a mini roundabout at about 10pm when a cyclist banged into my driver's side door. I stopped and got out to see what happened and saw a cyclist with no light. I asked if he was alright and at that point we didn't exchange any details as we agreed to not go to insurance. But there was another car that was a bit further from the roundabout that claimed I was at fault and the cyclist should claim. We both agreed that he didn't have any light on so we weren't going to claim anything. Today I received a call from the insurance and he claims that he got in a very severe accident with my car and he has two witness (the other car driver and his wife). I don't know who is at fault."

Claims Guru's answer

"Tricky situation as in UK law you are always liable for a personal injury claim if you have an accident with a cyclist or a pedestrian. Speak to your insurer and advise them that you wish to counter claim for the damage to your vehicle. They then cannot prejudice your position by admitting liability. It sounds like you have been set up. Never ever say you do not need to take the details of the other party or agree to not take any action. Contact the police and see if he has reported it, advise your insurer that you believe you are subject to a fraud being committed on you and you wish them to act."

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