insurance

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insurance or cough up???

Poll ended at Sat Oct 07, 2006 9:04 pm

get the insurance to pay, bolt 'em up for all them bits i aint got around to fixing but i guess they make me pay later?
0
No votes
forget the claim, pay for it myself, and get 1 years no claims next time around
5
100%
leave the doors open tonight and claim for a new motor tomorrow?
0
No votes
 
Total votes : 5
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jules

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insurance

Postby jules » Mon Oct 02, 2006 9:04 pm

got me gta broken into on saturday, no real damage but a few cosmetic intereor doings, they pulled the rear seats out, had a go at the centre console, i think the imobiliser helped my already dodgy starter motor of to an early retiurement, lost me radio face bit, inside door panels got knackered when they tried to get the speakers, lost some cd's, etc.....but what do you thinks the best option
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Postby simontaylor » Mon Oct 02, 2006 9:28 pm

Bad luck mate.

You should do the honest thing, just claim for the actual damage sustained. After all it is all the fraudulent claims which make the premiums go up for the rest of us.

Oh yes, life is not fair.
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Postby darrenbiggs » Mon Oct 02, 2006 9:38 pm

Be very careful with any idea about not reporting it.

There have been a number of cases where insurance companies refused to pay after people had their cars broken into and thought 'nah I'll just pay for the damage myself so as to not effect the no-claims'.... and not bothered to tell the insurance man.

The insurance companies found out that the car had been broken into before and therefore argued that the claim was invalid - the logic being that if they'd known about the previous damage then they'd have been able to decline the insurance or raise the premiums to compensate.

Not fair as Mr Taylor said.
I'm just here for the gasoline.
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Postby simontaylor » Mon Oct 02, 2006 10:14 pm

It is probably a condition of the policy that "all accidents, however small and breakins, however minimal or enev attempted" MUST be reported even if a claim is not made.

It is like insurace companies and the tax man are "uncles". They allways get the better of you.
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Postby clee » Tue Oct 03, 2006 7:02 am

I don't think they're related :? It's just they're both a bunch of cnuts :P
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Postby BIG_MVS » Tue Oct 03, 2006 7:27 am

How are the insurance company going to find out if you don't tell them :?

I thought you would be doing the insurance company a favour if you don't claim on the insurance? Tell the police be all means for peace of mind etc and to become a "statistic" - you never know though they may even catch the thieving gits :roll:

I have a pair of door cards, you can have them if you want?
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Postby darrenbiggs » Tue Oct 03, 2006 6:52 pm

Firstly they can check with the police and see if it's been reported but secondly, in the cases I heard about, it was entirely innocent. People were asked had there been any other issues in the past and, not knowing it was a loaded question, replied 'oh a forced lock' or 'just a stolen stereo'.

In these cases the people chose not to claim as it wasn't worth it due to excess etc but then the point of the question was just a ploy by the companies to invalidate the insurance and not have to pay.

Makes you wonder who the criminals are?
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Postby jules » Tue Oct 03, 2006 9:12 pm

well i guess thats me decided, phoned the law, informed the insurance, and i'ts on the blower to Mr Sage tomorrow for me....

Thanks v. much for the offer of door cards Mr Big_MVS but i think i'll wait and go for the recarpeting via Mr Gentleman as that was on the plan....


cheers

p.s. anyone ever managed to wire up their door handles to the house mains before?? :lol:
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Postby simontaylor » Tue Oct 03, 2006 10:43 pm

jules wrote:p.s. anyone ever managed to wire up their door handles to the house mains before?? :lol:


Can be a bit inaffective with plastic doors :roll: :roll:
1986 : '86 GTA v6 turbo, with Adaptronic ECU
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2008 : Rushmoor & Eelmoor & ACSMC Hillclimb class Champion
2009 : Longcross & Eelmoor
2010 : Crystal Palace & Eelmoor
2016 : Rushmoor & 5th O/A
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Postby andyh877 » Thu Oct 05, 2006 5:17 pm

simontaylor wrote:
jules wrote:p.s. anyone ever managed to wire up their door handles to the house mains before?? :lol:


Can be a bit inaffective with plastic doors :roll: :roll:


aren't do door handles plastic also...... just the lock barrels he can wire up then :wink:


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