Things John said
Comments
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Are the questions genuine though, or just made up?Censorship Reigns Supreme in Troll City...0
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forgotmyname wrote: »Are the questions genuine though, or just made up?
I think you are confusing the question with the answer for that one.0 -
forgotmyname wrote: »Are the questions genuine though, or just made up?
I think they are genuine as you sometimes see a poster ask the question in the forum and then they are "Answered" in the Q&As
Honest John runs a motoring agony aunt Q&A in the weekend Telegraph Motoring supplement0 -
I watched something a little while back where a writer for a newspaper admitted they made up the stories and letters supposedly written to them.
Is this the case here i wonder?Censorship Reigns Supreme in Troll City...0 -
Question
Our insurance company says we have to make claim on our insurance after a minor knock? Is this right?
Our motorhome knocked wing mirrors with a much larger motorhome in France. We filled in the Constat Amiable D'Accident Automobile (which we had a copy of in English) and agreed as well as we could with the language barrier that it was knock for knock or 50-50. We have replaced our mirror at a cost much less than the insurance excess. However, our insurance company has now been in touch saying that we have to make a claim and that the costs are put together and split between the insurance companies. We would prefer not to make a claim as no doubt our premiums will go up. We thought in the case of a knock for knock or 50-50 each insurer paid it’s own customer. Do we have to
Insurance Guru's answer....
Hi Linda, it depends on whether the other party have made a claim on their insurance or not. If they have not, then no you do not. If they have, they you will have too. Contact your insurer and ask if they have had any communication with the other parties insurance company, ask for proof of third party outlay and confirmation of their excess. If both your claim for damages and their claim for damages is less than each respective parties excess applicable, both parties can cancel the claim. It Should then go as "for notification purpose only".
https://www.honestjohn.co.uk/askhj/answer/88022/our-insurance-company-says-we-have-to-make-claim-on-our-insurance-after-a-minor-knock-is-this-right-0 -
Interesting interpretation of ICOBS 8.33...
https://www.honestjohn.co.uk/askhj/answer/87686/a-car-hit-my-car-with-a-towbar-fitted-and-broke-my-fuel-tank---why-won-t-my-insurer-cover-the-cost-of-repairs-0 -
Question.
"My friend, a named driver on my car, had an accident while driving abroad - why does my insurer now say he's not covered?
I added my friend to my policy when we were going on holiday to Italy together. Unfortunately, he had an accident in the car and now my insurer says he wasn't covered and that the named drivers are only insured in the UK. My insurer has never made me aware of any geographic limitations for drivers named on my policy - how can they get away with this 'post-accident' limitation? My insurer says I should have told them I was adding my friend for a holiday, but why would I? I wouldn't phone my insurer and say 'I want to add a friend for Tuesday, and he might be out in the rush hour, and maybe cross the border into Leicestershire.'"
Insurance Guru's answer
"Unless you ask the specific question, then your insurer is correct. It's your duty not theirs to make sure the cover you have is what you require. Never presume anything with insurers, they will take any opportunity afforded not pay. You need to make sure they cannot do this prior to any incident. This situation is of your own doing because your presumed rather than checked. Going out on Tuesday in rush hour, over a border to Leicestershire, is hardly like going to a different continent. Did you read your policy thoroughly prior to going abroad? There might be ways around this to make the insurer pay - but I would have read the full policy and listen to all the recorded phone calls from when you took the policy out, to when the claim was made."
https://www.honestjohn.co.uk/askhj/answer/90012/my-friend-a-named-driver-on-my-car-had-an-accident-while-driving-abroad---why-does-my-insurer-now-say-he-s-not-covered-0 -
Posted without comment...
https://www.honestjohn.co.uk/askhj/answer/99066/can-i-drive-my-wife-s-polish-registered-car-in-the-uk-0 -
This is worrying...
Question
"Can I drive someone else's van on my fully comprehensive insurance?
I'm insured fully comprehensive. My father-in-law has a van with business insurance. Can I borrow the van or even drive the van under my insurance? My insurance states that I can drive other vehicles. Does business insurance only allow named drivers to use the vehicle"
Answer
"Yes, you can drive the van on your insurance, but be aware that this only covers you for third party cover and not for damage you may cause to the van. Your father-in-law could also put you on his policy to be insured fully comp as a named driver."
https://www.honestjohn.co.uk/askhj/answer/99452/can-i-drive-someone-else-s-van-on-my-fully-comprehensive-insurance-0
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