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  • FIRST POST
    • dacouch
    • By dacouch 1st Apr 13, 9:51 AM
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    dacouch
    Things John said
    • #1
    • 1st Apr 13, 9:51 AM
    Things John said 1st Apr 13 at 9:51 AM
    http://www.honestjohn.co.uk/askhj/answer/40323/insurance-write-off-with-hastings-direct
Page 6
    • dacouch
    • By dacouch 23rd Apr 18, 6:55 PM
    • 20,649 Posts
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    dacouch
    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-
    • waamo
    • By waamo 23rd Apr 18, 8:26 PM
    • 5,244 Posts
    • 6,838 Thanks
    waamo
    He's a clever bloke that John. Knowing what a persons policy says without even reading it.

    I'm impressed.
    This space for hire.
    • dacouch
    • By dacouch 15th May 18, 4:23 PM
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    dacouch
    https://www.honestjohn.co.uk/askhj/answer/100865/my-nine-year-old-son-cycled-into-a-car---who-s-insurance-do-we-claim-off-
    • dacouch
    • By dacouch 8th Jul 18, 12:46 AM
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    dacouch
    https://www.honestjohn.co.uk/askhj/answer/104885/when-it-comes-to-claims---how-far-back-do-insurance-companies-expect-you-to-go-
    • dacouch
    • By dacouch 18th Jul 18, 10:18 PM
    • 20,649 Posts
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    dacouch
    The Road Traffic Act 1934 requires you to inform your Insurer of any incident that may lead to a claim. Also the Consumer Insurance Act makes it law that Insurers can only ask questions relevant to the risk they are covering.

    A learne driver having a non fault accident is not relevant to the risk the Insurer is covering.

    You learn something new every day...

    https://www.honestjohn.co.uk/askhj/answer/105470/i-m-learning-to-drive---am-i-insured-in-my-own-car-when-out-with-an-advanced-driving-instructor-adi-
    • dacouch
    • By dacouch 19th Jul 18, 7:04 PM
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    dacouch
    https://www.honestjohn.co.uk/askhj/answer/105663/can-an-insurance-company-demand-payment-for-a-policy-which-no-longer-exists-
    • dacouch
    • By dacouch 11th Sep 18, 11:03 PM
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    dacouch
    Oh dear

    https://www.honestjohn.co.uk/askhj/answer/109231/will-undeclared-points-on-a-licence-invalidate-our-insurance-claim-on-a-stolen-car-

    https://www.honestjohn.co.uk/askhj/answer/91004/can-an-insurer-void-a-claim-because-i-had-penalty-points-
    Last edited by dacouch; 11-09-2018 at 11:05 PM.
    • dacouch
    • By dacouch 1st Oct 18, 6:51 PM
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    dacouch
    errr...

    https://www.honestjohn.co.uk/askhj/answer/110339/i-work-for-a-charity---what-kind-of-car-insurance-do-we-need-for-taking-clients-out-
    • forgotmyname
    • By forgotmyname 2nd Oct 18, 12:42 AM
    • 28,405 Posts
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    forgotmyname
    Good to know that failing to declare points will have no bearing on
    someone having to make a claim and the insurance company having
    to just suck it up.

    If thats the case whats the point of them asking about points and convictions?

    Do you think John (Mr Kelly) maybe wrong?

    Has nobody sued them yet?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • dacouch
    • By dacouch 1st Nov 18, 9:31 PM
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    dacouch
    This one is a cracker.

    The mind boggles

    https://www.honestjohn.co.uk/askhj/answer/112544/can-my-insurer-refuse-to-give-me-back-a-damaged-alloy-wheel-that-s-been-replaced-following-an-accident-
    • forgotmyname
    • By forgotmyname 1st Nov 18, 9:44 PM
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    forgotmyname
    If there is nothing wrong with the wheel what damage are they claiming for i wonder?

    So when claiming from insurance your entitled to the money and the goods?

    So i can claim for my car being stolen and after receiving the money i can simply say its OK i found it in the garage after all. I get to keep the car and the money.. Cool

    Mr Kelly appears not to live in the real world, wonder if a career in politics maybe a good choice?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • dacouch
    • By dacouch 1st Nov 18, 9:56 PM
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    dacouch
    People believe that BS as it's on an experts website.

    I would not be surprised if it ended up at the Ombudsman as the Insurer are clearly going to decline any Official Complaint
    • waamo
    • By waamo 1st Nov 18, 10:30 PM
    • 5,244 Posts
    • 6,838 Thanks
    waamo
    Had Mr Kelly had a particularly long lunch break in the pub before writing that out?
    This space for hire.
    • dacouch
    • By dacouch 31st Dec 18, 8:53 PM
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    dacouch
    Oh dear

    https://www.honestjohn.co.uk/askhj/answer/115738/my-car-was-written-off-but-the-cost-of-repair-is-far-less-than-the-value---is-this-right-
    • forgotmyname
    • By forgotmyname 1st Jan 19, 1:47 AM
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    forgotmyname
    Maybe its the lack of sleep but did he say something sensible?

    If the repairs are less than the excess then its probably not worth claiming.
    Too late now though, they will need to declare it.


    Going to ignore the bits with the word CON and INSIST they repair...
    zzzz.....
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • dacouch
    • By dacouch 1st Jan 19, 2:01 PM
    • 20,649 Posts
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    dacouch
    Not really.

    He finishes with saying, if the repairs are less than the 3000 claim cancel the claim...

    The car is worth 8000+ the customer will be severly out of pocket
    • forgotmyname
    • By forgotmyname 1st Jan 19, 3:28 PM
    • 28,405 Posts
    • 11,574 Thanks
    forgotmyname
    Do you know if the full 3000 excess is payable even if the repair is only 2000?

    If thats the case then wouldn't it be better to cancel the claim and repair it for 2k?

    If there is more damage then carry on with the claim and get a 5k - 6k payout after the excess.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • dacouch
    • By dacouch 18th Jan 19, 7:39 PM
    • 20,649 Posts
    • 12,787 Thanks
    dacouch
    https://www.honestjohn.co.uk/askhj/answer/116644/my-car-has-been-written-off---can-i-challenge-the-value-they-ve-given-it-
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