I have a similar situation. I sold some Government stock and the trading platform very generously gave me a hugely inflated price (I think it gave me the price in pounds instead of pence). At the time I accepted the trade as the price (in numbers) looked correct but when it went through, I was credited with a much greater amount than I was expecting. Am I obliged to raise this with the broker or just keep quiet and see if they think it is a mistake with their trading system and ask for some money back? Do I legally have to pay it back if it is a fault with their trading software?

You are better off going through the Other Party's insurance as they will normally allow a higher value for repair than your own insurer. It's best to take it to where they suggest for repairs yourself for an estimate and get it agreed that it will be repaired before leaving it there. I've heard stories about cars disappearing for scrap without the owners consent because the insurance company 'decided' it wasn't worth repairing. I never let my car out of my sight in this situation. Had two prangs and both times the other party's insurance paid for repairs after I took it myself to their recommended repairer for an estimate. Good luck !

I had a claim against a TP who was ignoring letters and not reporting the accident. Eventually her insurers persuaded her to make a statement after I said I would have to take her to court if she would not report it to her insurers. Can't your solicitor write to her and point out that if she does not report the matter to her insurers, she could get taken to court for all the costs and damages? If she ignores that then issue proceedings !

I have always dealt with the TP insurer directly and have found this to be the best and fastest solution; in both claims I've had, the TP insurer provided the hire or replacement car though both times I had to insure it and claim that back. Using a third party company is probably more risky but I've had no personal experience. I know some people have come unstuck with credit-hire agreements where the claim has dragged on and the hire fees have got stupidly high; then the TP insurer will only pay 'a reasonable amount' leaving you with a bill for the balance. Be careful and check credit hire threads on here and moneysavingsexpert !

I disagree with the last post. If you tell your insurer the car is only worth £100 then that is the most you will ever get out of them as they will have used that figure to influence the insurance quote they give you. They will argue that you told them it's worth so why are you quibbling. Never underestimate the value of your car when getting your car insured !

You can only claim for the value of your own car. You can argue that it is worth more than £330 if you can find similar ones advertised at a higher price and send a selection to the insurer. Try Auto-trader, eBay (Buy it now) etc. for examples. Send in the higher priced ones. You don't have to accept their first offer. Also be careful re the hire car; if the insurer thinks the hire car cost is excessive, you can possibly get left with the bill if it is one of the so-called 'credit hire' agreements. Check out other threads on here and check the small print of the hire agreement to see if it says something like '...if we cannot recover the costs from the insurer then I agree to pay.....'

Not much hope here; onus is on you to check documentation. Surely the name 'RIGHTDEAL' is enough to put most people off; sounds well dodgy. Sorry don't mean to be harsh !

I don't think anyone can answer that because we don't know the details. If you disagree with the insurer you can follow their internal complaints procedure and only when that has been exhausted, can you take it to the inurance ombudsman (the FSA now I think). Alternatively if you are desperate timewise, you may consider taking them to the small claims court if they don't settle within 14 days but it depends how much the damage is for and how certain you are of your rights.

nah they are just trying it on !

I wouldn't pay the £75; I bet they would just keep it anyway. Tell them there is no way there would be other damage from a slight scuff and you aren't paying any more. Say they accepted £10 in full and final settlement and that is the end of the matter as far as you are concerned. PS If you paid the £75, I bet they would then come back and say there was further damage and ask for more money and basically keep milking you for as long as they can. Don't have any of it !

Try moneysavingsexpert forums; they have a dedicated pension forum with a lot of info on SIPPS.

I've heard that sometimes the AA won't tow you from a services but would tow you if you pushed your car out of the services and onto the hard shoulder ! imho the RAC are much better and more helpful.

As an asside, you are entitled to keep the cheque but continue to negotiate the settlement. There was no need to return it.

cassafwfc - I think you missed the point; the OP was complaining about a cancellation charge; not that he/she could not get the premium refunded.

Have a look at: The Great 'Car Insurance Cancellation & Administration Fee' Hunt - MoneySavingExpert.com Forums A lot of experience and advice with the exact problem you have.

Neither do I understand why the AA did not recover the car to the nearest garage; even the most basic AA membership covers that, in the event that the AA patrol cannot effect a roadside repair. £800 for a tow seems extortionate beyond belief.

Yes you are entitled to a courtesy car until yours is repaired or you receive a final settlement from the insurer. If the other woman was insured and has admitted liability (can't see how they would not be liable in this case) then you can ask for her insurers to provide one; or hire one yourself and claim the cost back (more risky as you have to pay the cost and claim it back but if they won't provide one you are still entitled to it). Alternatively, you can see if your own insurers will provide one and claim the cost back for you.

I am sorry but hitting a kerb has nothing to do with a head gasket failure. That should be covered by the warranty. Only if hitting the kerb caused the fluid leak, which is highly unlikely, could this be classed as causing the head gasket failure. Was the only fluid leak from the head gasket? if so I would say there is no chance that kerbing could have caused it. If there was no visible damage from hitting the kerb, it's a shame you mentioned it at all as it has provided the insurers with an excuse not to pay up; albeit a highly dubious excuse.

I expect all they did the first time was to reset the engine light. The underlying problem is still there and hence the light has come on again. I would think it should be sorted under warranty but they will probably just keep resetting the light and fobbing your friend off until 3 months has gone by if your friend lets them. Read the warranty wording to see what is covered; cutting out should be as it could be quite dangerous.

What about all the other risks like subsidence, malicious damage, theft, accidental damage to sanitaryware? I don't see why they can't just exclude the flat roof temporarily. But something in writing is better than vague phone calls; at least you will know where you stand and can then either sort it out about the roof or try and get insured with someone else who is more reasonable.

Have a look at Ciao and Reviewcentre websites; I think you will find that Asda / Tesco etc are not highly rated for customer service ! Then it's whether you want to save money or have some insurance that will be less stressful in the event of a claim. If you are happy with your present insurer you should take that into account. Why not ring them and say you've had a cheaper quote; maybe they will match it or at least come down a bit.

I have had similar problems of conflicting information over the phone from insurance companies. You had better write them a letter and ask for written confirmation as to whether you are covered or not by return of post. It will take time but as you have found out phone calls tend to get nowhere and even if they said you are covered, you have nothing to show in the event of a claim. By all means phone as well but you may as well have a written request in the system; send it signed-for and marked urgent.

Looks like you will need to follow the insurers complaints process and then if you exhaust that avenue, the insurance ombudsman. The only other thing I can think of is if you suffer financial loss, which you already have as they have not returned the premium, and if you are sure you have done everything correctly i.e. didn't try to hoodwink the inurers, then demand all your losses from the insurer or say you will start a small claim in the courts for all your losses - including any increase in premiums in the future due to their unjust voiding of your insurance. Send the letter recorded, and give them 14 days to pay up or reinstate your insurance. Keep us posted on here as we like to hear the outcome of these things.

Are they refunding your premium or keeping it? Can you get a quote somewhere else ?

I presume your contents cover included accidental damage. I suggest you write to Barclays insurers and tell them to pay up within 14 days or you will claim the cost from them through the small claims court plus associated costs ! ..and send it recorded/signed-for.