Hi all, Heres the context; So after days of trolling through various website and spending loads of hours on the phone. I finally found my insurance broker. I had previously gone to them for a quotation and an estimate came back at 4200 GBP however when I rang them to finalise the quote the representative on the phone informed me the price was 3700.00 GBP. She also read out and went through all of the information to double check all was correct, this included all of the previous claims fault or non-fault, all was fine. I ended up putting a substantial deposit down and my vehicle was insured after I put down the phone. My question is, does the insurance company have the right to increase the price of the premium after we had agreed the amount and sale completed? I look forward to everyone's advice. regards, J

Hi, I am looking for some advice, having received a court requisition this morning, having been previously blissfully unaware of any issue (not having received any warning letters) I am the registered keeper of a car, that I 'loaned' to a friend of my husbands to use during a troubled patch in his life. The car was taxed by DD monthly, paid for by my husband, and insured by the driver, until January 2016 when he wrote the car off in an accident. I am being charged that on the 5th April 2016 the vehicle was taxed, and not insured. Firstly, the car was taken away by the insurance company on the 25th January, I naively assumed at that point that they would inform the DVLA (apparently not - they only received disposal notification on the 25th April) I had been paying monthly tax by direct debit, and had forgotten to cancel it, and having never had a car written off I didn't realise I needed to inform the DVLA mysef. DVLA tell me I would have had 2 warning letters, I didnt. But they cant do anything about it as its with the court now. Apparently the enforcement team wont speak to me because there is a previous offence on the car, which incidentally was the 'friend' speeding in it, which has been settled. The court is in Crawley, I live 150 miles away. Yes I could go, at great time and monetary expense, but I dont understand why when the vehicle didn't even exist I am being made to feel like a criminal. Can anyone suggest what I should do? Am I guilty? there was no car!

Hi, does anyone know of an insurance that covers sofits and facia's. I have contents and buildings insurance from one call that doesn't cover sofits or facias. Thanks Andy

I bought a flight on Bravofly which is a lastminute.com company. I did not tick a box that added on a cancellation Insurance policy to my order. Only found out on the confirmation page when they had charged me £30 extra. Emailed them and they replied the following. Isn't there a cooling off period for insurance policies regardless of what the policy is?

I hope someone can help with the below. This is all new to me and it's making me very stressed! I was involved in an accident a month ago. This is my version of events. I drove down a slip road then joined a dual carriageway. Shortly after this I overtook the car in front. I checked mirrors and it was safe to change lanes. As I was moving into the lane I felt a collision take place. Looked in my rear view mirror and saw a car behind me. They have damage to their front passenger side wing (small car). I had a scuff on my rear driver side alloy (I have a 4x4) but no actual damage to my car so will not be claiming. In my opinion they were not in the lane when I started the manoeuvre. I have said I assume they were in the same lane as me but then we both moved to overtake at the same time. The driver of the other car was very young with a brand new car. For him to come out of knowhere I think speed was a part of it but insurance said they are not interested in that. Initially I was told any claim would be a split claim. Now I have been told the other party have said it was all my fault, I drove into their lane etc. My insurance company are saying that it will go as 100% my fault as its up to me to make sure it's safe to pull out (I did the lane was clear!) and the other person was more established in the lane based on their version of events. There are no witnesses or cameras. I have said I do not accept 100% that it was my fault. I've been driving for 18 years and I guess I'm lucky this was my first accident and lucky my kids were not in the car. Also a lesson learned is to to have my dashcam turned on as I had unplugged it! I just want to know what happens now? Do I have to accept this? How does it affect my renewal (due soon!) if a claim is 100% my fault or say 50% my fault? Thanks for any advice in advance.

Hi, I seem to be yet another 'victim' of having taken out Tescos car insurance in good faith in September 2015, only to be stopped by the police in December 2015 & told that I don't actually have insurance!!! After my car being impounded, a raging rant at Tescos, letters to Tescos, etc, I was finally sent a CD with the recorded conversation with Tescos and a letter from them, disclaiming all responsibility. I now have a court date in May 2016 relating to driving without insurance and the risk of a fine and points. I'm aware from reading on the site that many people seem to have had similar experiences with Tescos. Please can anyone who has actually managed to get resolution to this situation tell me how to do it. Ideally, I would like to find a solicitor who has managed to win a case such as this against Tescos. I am not a happy bunny ... but I'm sure help is out there somewhere.

I'm having a really frustrating time with my direct line at the moment regarding an accident I was involved in on a duel carriage way roundabout. I was in the inside lane going forward onto the 2nd exit. He was in the outside lane and needed to take the next exit. As the roundabout was full of traffic it seemed like he was running out of time to get into the correct lane to take his exit. there were cars bumper to bumper behind me but a gap appeared between myself and the car infront. I was going around 25mph at the time following the flow of traffic. Next thing I knew I heard him accelerating really hard and he flew past me just as I was passing his intended exit. He clipped my car and scratched his car from front to back as he scraped the side of my car. He ended up in the lane he was heading for and I stopped on the verge of the roundabout. to me, he obviously found himself in the wrong lane and about to miss his turning, He took a risk to get through the gap and to do so he had to accelerate to twice the speed of moving traffic. He misjudged it and casused damage to both cars. Ok so what my problem is that the insurance company - Direct Line - is representing both parties. Apparently the third party is not accepting liability and is saying it was my fault for obstructing him and because I wasnt taking the immediate turning I was infact in the wrong lane and therefore liable. I messaged the guy, who gave me his numner at the scence of the accident and asked him what he think happened. He told me that the insurance company told him that he was not liable because of these facts. He actually didn't know who was liable until they told him that I was! Ive been told by direct line every time I call that its looking like it might be a 50/50 settlement which isn't right. theyre telling me this without actually having seen pictures of the damage or a full complete statement from the third party or myself! I understand that insurance companies try to save money and time by just automatically ending cases like this on roundabouts as 50/50. They tell me that theyre acting very professionally but honestly I really don't believe them. they've told me that the damage evidence doesn't really matter and that its his word against mind which would mean we are equally liable. But what gets me is that his word was influenced by his insurance company which is also my insurance company! basically I know he was in the wrong. He drove aggressively and dangerously and he took a risk that didn't work out. I wont back down on this as I don't want to have to pay the excess and lose my no claims bonuses and also raise my premium. most of all its the principal. has anyone had this before and if so did you take the decision to another body and challenge the insurance company?

Hi all Unfortunately, last sunday I had my first ever car accident and I accept that it was my fault. My car sustained some damage on the front i.e. bonnet, bumper and atleast a headlight. I have claimed on my policy. The insurance company have arranged their car repair partners to pick up the car for repairs. I wonder if I can get advice for following questions please?. 1. How do I know if the insurance company will repair the car or write it off? 2. If the insurance company decides to repair the car, do I have the right to ask for the cash in lieu settlement? I would prefer cash in lieu settlement so either I can just sell my car and top up the settlement cash with my own money and get a new car. Alternatively, i can get it repaired at a lower cost and then keep the remainder of the settlement money for next years increased insurance premium. Thanks

Hi. I have and issue with EE/Orange. Firstly, I recently remembered that around 2007/08 I was charged 'Orange Care' on my statements and never really knew what it was. I checked this out and found that it was some form of insurance that I had never asked for. I took a look in my attic and found that I only have two statements - one from September 2007 and one from January 2008. I think I was paying it for many months before and after this. I have contacted EE to ask for statements but they have been extremely unhelpful, stating that they can supply recent statements for £3 a time for the last 24 months but for statements prior to 24 months ago 'request a statement of account which will show what your bill amount has been and the amount you have paid to coincide with payment dates'. Please can I ask is there anything I can do? I seem to remember years ago when people were reclaiming their bank charges that if they only had a few statements, they could estimate the other charges? Thank you in advance, B

Hi all, I've just got off the phone with Endsleigh, who have confirmed that my car insurance was accidentally cancelled due to an error on their end. It was cancelled from last Friday (18/03), therefore I have not had valid insurance for the past week. I was not given any explanation, only apologies from Endsleigh. However, I feel cheated by by insurer as I could have potentially lost my license had I driven unaware of the insurance cancellation and been stopped by the Police. They did not give me any notice of cancellation (although their policy booklet states they must give 7 days), and it was only until I logged into my online account last night that I realised my insurance had been cancelled. I am seeking some sort of compensation to make up for this inadequacy on their end, and have begun to lodge a formal complaint. Has anyone got any experience in a similar incident? If so, suggestions for action? Thanks.

My Step-son has been insured with Hastings since passing his driving test at 18 and buying his first car. In 2014 a claim was made against him saying he had run into the back of another car. As my step-son did not have an independent witness he was unable to prove it was not his car and the claim was settled with my step-son losing his 2 years no claims. This was despite Hastings giving my step-son the incorrect date for the alleged accident for 8 months and my step-sons car's towing hook being on the drivers side when the dent to the third party car being on the passenger side rear!!!! The latest problem is that he was hit in the rear by another vehicle (Nissan Qashqai) Step-son's car being a 2009 Mini, while waiting to parallel park in a space on a side road. Step-son was stationary at the time as he was checking if it was clear to reverse into the space. He had reverse gear engaged ready to reverse in the space as soon as he could see it was clear. The road he was using was an entrance to a supermarket and is at least 50ft wide. Step-son said he felt a bump so he put the handbrake on then the Nissan driver was banging on his window shouting at him saying Step-son has hit his car. Nissan driver was foreign and was very aggressive saying Step-son's reversing lights were not working. Police were called who attended and managed to get the other drivers details. They even checked that Step-sons reversing lights were working perfectly. Accident was reported to Hastings the following day. Solicitors were instructed by Hastings to pursue the other driver. Hastings then wrote to my Step-son in February informing him they were settling the claim as the other driver said Step-son had reversed into him. Hastings say that as my Step-son was the manoeuvring party then he is liable as Step-son cannot prove he was stationary. The solicitors are fuming as Hastings have done this without consulting them. I am still in contact with the solicitors as my Daughter (who was 15 at the time of the accident) was a passenger in my Step-son's car. Can anyone give us advice on what we can do next?

Hi, My car insurance is up for renewal and I have had a quotation from my current brokers on the best deal that they could discover. However the Statement of Facts they sent me includes the following incidents and I suspect that some of these are not required to be declared as they have passed their expiry date. Accidents and Claims 18 Jan 2009 TP hit Driver 05 Nov 2010 Driver hit immobile object 14 Aug 2011 Driver hit TP 27 April 2013 TP hit driver in rear 21 Mar 2014 TP hit driver Convictions: 1 Jan 2011 sp30 3 pts Ban 0 Fine 0 5 Oct 2011 sp20 3 pts Ban 0 Fine £60 I am going to search for a better deal and would like to know which of the above would need to be mentioned on the fact form so that I would not face a follow up of non-declaration and consequent increase in the cost. I understand all of the above should fall under the 4 year limitation. Would appreciate any help on this. Cheers, Bastun

Im in Scotland. My insurance ran out and i could not afford to renew it due to unemployment. My car is parked on the street so i kept the road tax on the car and pay it monthly. I now have a letter threatening to fine me from DVLA, because the car is not on the insurance database and my car is not declared sorn. I either need to get insurance or declare it sorn. This is stupid, can they legally enforce this fine?

Hi all, I've tried searching for an answer, however I can't find anything definitive, so here goes:- as I understand it,the NCD is for the person, I say this, as if you have an accident you (the person) lose your NCD regardless of what car, van, lorry (unless you have a protected NCD, or would affect your NCD Also reinforced by the fact that if someone driving your car on a TP insurance on their policy, you don't lose your NCD. now, then, if the NCD is for the vehicle and not the insured owner, why, when you change your car do you not have to start the NCD process all over again. The whole insurance industry appears to be one big [problem]. I'd really like someone to explain in simple terms what this is all about......Or if you believe that car insurance should be for the driver, maybe lobby the insurance companies to be realistic and sensible......Is this legal even. Why should I, a driver with no accidents or claims should pay £195/year for the car I have now, but a second car would cost me nearly £1k. I shan't be driving the two cars at the same time, and whatever car I wont be driving will be locked up securely Comments explanations would be very much appreciated. is there some way I can get a better fairer deal?? Thanks all Ken

This is more of a warning thread, for people having any significant renovations to their homes, to check there is Insurance, should anything go wrong. Here is an article showing a real life example of what could happen. In the article a young couple with small children lost their home and have huge debts after works to create basement living space went seriously wrong. This is just one example of such a situation occuring in the London area. http://www.dailymail.co.uk/femail/article-3484417/Our-1m-nightmare-dream-home-collapsed-shoddy-builders-thought-life-couldn-t-worse-just-start-ordeal.html Before you allow any structural alterations to your homes, please do get advice from your architect and/or surveyors. They will have full knowledge of what Insurance is available and you can then make sure you have adequate cover, whatever happens. DO NOT just take the word of builders, that they have full insurance for the contracted works, your house and all liabilities created. YOU must check any Insurance thoroughly to make sure it fully covers you. People unfortunately are so focused on trying to create a home of their dreams, that Insurance becomes a forgotten aspect. They wrongly assume that between their own Home Insurance and the builders contractors Insurance, that they will be fully covered. This unfortunately may not be the case. Please DO INFORM your Home Buildings Insurers of any structural alterations before any work commences. They can inform you of any requirements, exclusions to cover etc. As a final point, if you are doing any significant structural work as DIY work, don't assume your Home Insurance accidental damage cover will always come to the rescue. I can remember a case years ago, when a husband decided on knocking down a few walls and this led to major damage. The Insurers refused to pay out and it ended up with years of litigation between the wife (joint policyholder) and the Insurers. The husband who created the mess decided to leave his wife and the country, landing her with it to sort out. I did not find out the outcome, as it was dealt with by the Insurers legal team and the policyholder. The advice must be to think about what you are going to do and check that you do have Insurance, if it goes horribly wrong.

Hello fellow forum members I'm looking for some advise for my sister who has had her insurance renewal come through at a higher than expected price. Upon looking into the renewal, it shows her no claims bonus is at 4 years, not the expected 9years that she should be entitled to. She rang her insurance company today to find out the reasons why this has happened, and they have stated its due to an incident that occurred in 2015. To keep this story shorter, it was a 50/50 clash of mirrors... my sister informed her insurance of the incident (as you should do) and told them that she and the other party would be sorting the issue between themselves, she assumed that was the end of it. So now due to this minor accident, that no one has made a claim on she has lost 5 years of no claims (as she didn't have it protected) due to the fact there "may" be a possible future claim. Does this sound right? It was my understanding that any accident should be reported to your insurance company, but in doing so she is now worse off even though she has gone through the correct channels. Any help or advise would be greatly received. Thank you in advance

So I part exchanged my car in the middle of last year; sent off the slip to the DVLA and thought nothing more of it. Then December last year I started getting letters from the DVLA etc saying my car wasn't insured. I sent off the proof of sale and they sent me a document telling me I was no longer the registered keeper. So it seems like they never received the original paperwork and I'm now still being pursued for not having insurance for a car I have proof of sale of! This seems ridiculous to me - do I really have to defend myself against this?!!

Hi from a newbie, apologies if anything is done wrong. I took out car insurance on 16th November 2015 with Endsleigh. To the best of my knowledge I filled in everything about the quotation correctly, but then got an email and letter from them on 25th November saying that my during their validation process my policy has flagged up a problem. The letter/email states that they asked "Have you, or any person.....been convicted of any motoring offence..." etc To this question I answered 'Yes' and stated the following facts (as I thought) I obtained 6 points in April 2012 for speeding (this went to court as the driver couldn't be ascertained - I run a cleaning business and various people use my cars, but unfortunately as the driver wasn't willing to 'step up' it was muggins here who had to take the rap or risk being prosecuted for failing to provide driver details ) The court date for this was Oct 2012. I personally got 3 points for a SP30 in April 2015 (my first EVER own offence since passing in 1992 ) All 9 of these points were declared. To cut the story short, the problem lies because I mistakenly told them that the date of the 6 points was October 2012, when in fact I should have put April 2012 down as that was the date of OFFENCE. I thought they wanted the date of CONVICTION, as that was when the matter was dealt with (surely I was classed as 'not guilty' until October as this was the date the licence was endorsed?) So, yes, I made a human error there. They say that had they have known I had those points in April instead of October the underwriters would have refused to insure me. This process dragged on from Nov 2015 with me sending them whatever documents they requested (by email, so I have proof of sending) and the last I heard from them until recently was on 4th January, acknowledging yet another explanation letter of mine so I presumed everything was sorted. I have been away this past 2 weeks and came back today to a recorded delivery letter and an email stating that my policy will be cancelled tomorrow as I failed to provide correct details! All I did was make a simple clerical error with regards to dates, and in fact by saying the date of conviction was October 2012 instead of April 2012 surely should show that I'm not a fraudster, as it would mean the points stayed on record for longer!!! In addition, their documents seem to only show the 6 points and not the last set of 3 obtained last April! I'm hardly likely to be on the fiddle if I'm declaring points that for whatever reason they don't have a record of!!! (It all shows up on the DVLA records though?) Can anyone help me? I have tried calling Endsleigh but they can't help with it being a Sunday - they have limited advisors available and I need my car for work tomorrow so am in a right state! Thanks for any advice

I've contracted myHermes to deliver a pair of Mission 782 speakers from the UK Mainland to Portugal. I've been buying speakers and amplifiers in the US and UK for months now, and apart from a Onkyo receiver being totaled by SEUR, 22 packages where successfully delivered. This baselines standard quality of service + my definition of good enough packaging to sustain normal transportation stress + a normal BAD transportation claim being settled correctly by ebay (that onkyo dropped by SEUR represented immediate FULL refund). My myHermes experience starts with the transportation of the 2 speakers. They where bubble wrapped (2 layers big bublle, then the edges where card-boarded, then a layer of foam wrap together with gum-tape holding everything together). When I got the speakers, the center drivers where: Speaker 1 - marked and broken inner cone Speaker 2 - no cone visible! it was inside the speaker together with the big magnet that makes a speaker work...both broken beyond repair. This speaker also had the front protector assembly broken. I've received much more fragile speaker delivered with less protective wrapping... a set of Castle Acoustics for instance was delivered with the box containing them literally falling apart, with the speakers showing, wrapped only in a layer of small bubble wrap...yet perfect in condition as they where handled with care, as you would expect from a transportation service. Since the ONKYO case, I decided to estimate the replacement value for those 2 speakers, and during contract from myHermes, I added insurance valued good for 200GBP. After receiving the damaged speakers, I've seek a repair solution and managed one at 162GBP. During claim, I added photographic evidence, together with a estimated cost form ebay parts to repair the broken drivers... that was not accepted as it was not a receipt. So I immediately brought the parts and added the receipt. Then came the so called deliberation: Insufficient packaging...no settlement. Please accept the good will 30GBP. Talking with client support the "official version was repeated over again"... a total and complete loss of my time. My conclusions?: 1 - they must be self insured and so in conflict of interest regarding defending the client against a claim.... hence insurance is a [problem]. 2 - insufficient packaging is an easy to claim nonsense.... Speakers are as heavy as they are fragile... dropping them is enough to damage them, even on original factory packaging... competitors had no issues with worse packing quality, yet myHermes managed to destroy 2 independently packed speakers...not one, but 2. They where packed for transportation, not rugby playing! The seller could have wrapped the speakers in steel... if they decide to shoot them instead of transporting them, no packing will ever be enough. This is the main point! A transportation company should transport their customer goods with care. Wrapping and protection serves the purpose of eventual, normal handling, accidents... not systematic, negligent, handling. 2 speakers 2 "accidental handling accidents"??? those odds would make billionaires on the lottery. 3 - During a claim, no claim is processed until you actually present a receipt of you paying for the repair... so they will force you into loosing more money. Then they deliberate... this is total disrespect for the client and a very bad practice. 4 - Finally they offer a "Good Will" refund. If they offer ANY sort of refund they know they are guilty.. the 30GBP is a joke and serves to reinforce that the insurance is actually no more than a ripoff form myHermes instead of a real insurance from an 3rd party entity. 5 - Will never use them again ever. 6 - Will pass this experience to EVERYONE ELSE OUT THERE so others do not suffer the same fate. 7 - Will seek alternative ways of punishment (legal or simple bad publicity). 8 - If Ebay global shipping decides to use myHermes, I would not opose, as they have the power/volume to press myHermes into submission (just as they've done with SEUR and the ONKYO case). BUT I've already posted on the ebay community forum as many other have. I honestly think that the decision is down to price and that quality is ignored... but it is worth the try.

Dear all, I was involved in a car insurance claim and had been told to discontinue my claim by the solicitor. From the letter solicitor sent me, I found few points of my solicitor's statement are wrong. For example, (1) they claimed I did not go to GP but I went, I took the Gp record and sent to solicitor,(2) the specialist who examined me recommended physiotherapy for me but the solicitor did not follow and did not refer me to physiotherapy, and the other party picked on this (3) car repair invoice is £700 but they put £850, although I had 2 quotations I went for the cheaper one which include parts (expensive quotation includes no part). The Solicitor by mistake claims for the higher quote not the cheaper as I sent the invoice to him.The other party is now picking on it. the solicitor do not admit they had made mistake. They just said the other party picking on why one quote has part and one no part. my argument is that I dont know why one use parts and one did not require, my decision was I had to repair as cheap as possible. All these false statement effects my claim and now the other side claiming this is fraud. The solicitor had told me I have less than 50% chance of winning and it's better to drop the case. They required me to give them a quick decision. The court hearing date is soon and I am not in a good position. I want to complaint about them before the hearing day. Can I complaint negligent on the solicitors? What is the best way forward for me?

I am writing on behalf of one of my neighbours in my block of flats, as I am already registered with CAG. Following the exceptionally heavy rainfall a couple of years ago, my neighbour had a lot of damage in her lounge which needed repair. She had Designers Guild wallpaper on her walls - this was an expensive product. The managing agent is treating her in a very odd way. The firm is refusing to acknowledge that she had the expensive wallpaper and are trying to palm her off with the barest minimum work. Apparently someone they sent over gave her a rock bottom quote including the supply of wallpaper without even asking her what she wanted. Now, the managing agent says that this guy isnt even interested in doing the work and, needless to say, she will not be able to find anyone else who will do the work and supply half decent wallpaper at that rate. What should my neighbour do?

I received an unexpected later from my insurance telling me I should pay £525.23 (after my policy had been cancelled). I rang them up to ask what this figure was for, being told that my claim I had put before was because I was at fault. ??!! I had not been made aware of this before, neither is this in the handbook policy. Please help!!!! I thought insurance is there so it covers you up in case of an accident, whether your fault or not!! I am with only young drivers. thank you.

Why do car insurance firms increase policy premiums for people with poor credit history? I just went online to check out my renewal costs on go compare - my new premium would be £520 - thats with 9 years no claims and 1 accident So I entered exactly the same details again and the only detail I changed was the name of the driver (made up a name) the address, car, annual mileage etc all stayed the same and the new quote came in at £380 As a previous discussion I had with an insurance firm the person stated that they only do a CRA check to confirm your details - but its quite clear they are using a poor credit rating to up the costs

Hi, I am going to cancel my car insurance as I have found it cheaper else where, I’m currently paying £3120 a year (£260 on the 16th of the month) I have found it for £1160 a year. I phoned up my current insurer and asked them what I would be charged to cancel, they told me it would be £467.19p to cancel surely this can’t be right, the bloke on the phone assured me that it was the correct fee and was nothing he or I could do about it and said if I needed to I could pay it off monthly over 2 years with no interest. Just wondering if this seems correct and if not what I should do about it. Thanks, Steven.

Hi all, it's been a while since I last posted here, but have a bit of a question that I hope someone may be able to help with. My girlfriend has recently renewed her car insurance, although her existing insurance does not lapse until the 1st of Feb (a few days a way yet). The insurance she has just payed for is not due to become active until the old insurance lapses. Basically she has paid for her renewal early. Unfortunately her car has developed a major fault, so she now wants to cancel the policy before it actually begins. She had phoned her insurance company on the 25th and dealt with someone on the phone who took payment on her debit card. She has since phoned to cancel and has been told that she will not get a full refund. They want to charge a fee for legal cover, a fee for making a change to the policy etc etc. I suggested to her that she politely end the call and to say she would look into it and get back in touch with them, which she then did. I was of the understanding that under Distance Selling Regulations, any purchase made on the internet or over the phone that was not a "custom" order must be refunded in full within a 14 cooling off period. I would understand if the policy had already come into force, but it hasn't. Does anyone have any views, experience or advice surrounding such an issue? Many thanks in advance, Loaf..