what is would be more helpful, would be if they defined the add ons, and also whether you need them!
Endsleigh tripled cancellation charge, while two Direct Line brands doubled theirs http://www.insurancetimes.co.uk/top-motor-insurers-in-firing-line-as-which-slams-sneaky-fees/1409270.article#commentsubmitted
Can after market body parts affect the safety of your vehicle?insurers want to fit them to your vehicle!
Car insurance prices continue to fall,Comprehensive motor insurance prices continued their downward trend, falling by a further £17 to £579 in the second quarter of this year, but ongoing drops are unlikely to be sustained, according to Towers Watson
Well if you are a consumer, you are being mistreated by insurers..this is why you need @motorclaimguru https://assets.digital.cabinet-office.gov.uk/media/53993e3540f0b6101d000005/Appendices.pdf
unfortunately we have an issue with the site today, google seems to be playing up and displaying it differently.
Learn more about @motorclaimguru and why you need to read this before claiming #guidetomotorinsurance
Your guide to motor insurance!
UNDERSTANDING MOTOR INSURANCE
The Contract of Insurance
When you buy an insurance policy you are entering into a contract. The importance of this is that the insurer has agreed to cover you based on what you have told them. Don't lie to insurance companies, as they may not pay out on your claim if you have not been truthful ,or omitted relevant details.
Insurance policies are complicated in every case and not always easy to understand fully. We will guide you through this terminology and what it means to you. You may well find that your policy does not cover you under certain circumstances which are listed as part of the "Exclusions"
A good example of how an exclusion can affect you: you bought your insurance on a price comparison site fully comprehensive, but did not include "Travelling to and from a place of work" your policy will be cheaper, but you would not be covered if you have an accident on the way to work!
If you are going to make a claim, you need to fully understand your policy and the way its is worded. Tell us who you are insured with, what policy you have, and let us go through the whole policy.
click here to contact me.
You can do it yourself , here are the important bits
Principle of Indemnity
This is very very important! this is the fundamental principle of insurance. Ie This is what your insurance company promises to do!
The principle of indemnity is one where the insurance company promises to cover you for damage. Now the other thing that's very important is, READ YOUR INSURANCE POLICY! It will say you are Indemnified "UPTO" the market value, remember this if dealing with a total loss vehicle, or if you do not want your car as a total loss.
You should be "NO BETTER OR WORSE OFF" due to a claim either "financially "or through "improvement" of your vehicle, ie you cannot claim for unrelated areas of damage ,or a financial loss you have not had.
Third Party Fire And Theft
This does not cover you for any damage to your vehicle other than by way of Fire, Theft, or Vandalism.But it does cover you for any damage to peoples property or injury you may have caused.Should you have accident that is not your fault , please go to my "how best to claim section"
Fully Comprehensive Insurance
This covers your for accidental damage to your vehicle whether caused by yourself, as long as not "wilfully done" I.e. you caused the damage on purpose, and also covers damage by a third party "another person".
This "may" cover you for damage from weather, ie Flood, Hailstone,Wind, unless particularily excluded from your policy.Though most insurance companies will exclude on your policy what the perceive as "acts of God".So it is up to their discretion.
This cover does not cover you for an alternative vehicle or other losses you may have as a result of the incident.These are called "uninsured losses",and you would need either legal cover on your policy , or have a solicitor pursue these losses on your behalf . See our section claiming for your uninsured losses.
As with third party fire and theft, it does cover you for any claim against you.
Excess is the first part of the claim you have agreed to pay. THIS SHOULD ONLY BE APPLIED TO CLAIMS ON YOUR OWN VEHICLE,NOT TO CLAIMS AGAINST YOU. These come under the following titles.
Statutory or Compulsory Excess.
This is the lowest excess on your policy you can pay, and forms the basis of how the insurer underwrites the policy, the higher this excess, the higher the risk they attach to it.
This is the amount you have Volunteered to pay in addition to the compulsory excess, so the two are added together.
The higher the voluntary excess, the lower the premium will be, make sure you can afford to pay it in the event of an accident.
Young Driver Excess
If you have a young driver ,ie under 25, you may well find this excess applied, this also is added to the Compulsory Excess.
Check the policy, as your insurer may advise they add all 3 together !
This is what you are not covered for.READ YOUR INSURANCE POLICY! By now you may have realised the important things in BLUE
There is very good reason for this and it comes under something called THE CONTRACT OF INSURANCE.
Your insurance company will ask you to declare all modifications
Now the way your insurance company views a modification is:
Anything that your vehicle did not come with from the manufacturer. You can not imply you did not know it was a modification, as IGNORANCE IS NO DEFENCE OF THE LAW! see the above CONTRACT OF INSURANCE!.
So prior to insurance always declare your mods. If you have a £2000 set of alloys on your vehicle, don't expect your insurance company to replace them should one become damaged if you have not made them aware!.
Often you will find insurance companies will not apply any additional loading on a policy for up to 3 minor mods, so it is in your interest to make them aware, do not give them and excuse not to pay!.
Now if your car has OPTIONS that came from the manufacturer, that's different, find out what they are, as they may make your vehicle worth more.
Un-Insured Losses are the things that are not covered by your insurance as a result of an accident.So things like.
Excess ,loss of use, cost of arranging an alternative vehicle for example.
Now when you took out your policy, you may have purchased something called LEGAL ASSISTANCE .What legal assistance does is allow you to claim for the things the above,that are not covered by your insurance.
Aside from the above, there are many other things that are seen in court as being "reasonable" to claim for as a un-insured Loss. For example , if you arranged Taxis or Busses to get around rather than hire a vehicle, you can be offered compensation for loss of use, even IF you have not hired another vehicle.
If your vehicle is a total loss, it would be deemed "reasonable" for you to carry out appropriate checks on your future vehicle.
Ie the other services I provide on LOOKING TO BUY A NEW VEHICLE can often be claimed back from the t/pty insurer if the accident was not your fault.
Learn how to make the best of a bad situation,Making a #motorclaim after a #crash #accident is always distressing, read my #blog put yourself #incharge
Making a claim can be a very distressing situation,insurance companies get to practice, and you do not.So you need to arm yourself with knowledge before you claim.
Insurance claims are very complicated,you can read through my site to get the knowledge, or employ me to take the stress away. I am going to blog daily giving updates on what to do.
Welcome to Motor Claim Guru, a 'one stop shop' designed to provide you with all the information, guidance and tools you need in order to make a motor insurance claim and ensure you are being treated fairly by an insurer.
Whether you have a car, motorbike, or commercial vehicle, let Motor ClaimGuru take the stress away. We can advise you on the best course of action to take when making a claim and can also carry out this service on your behalf.
Who are we?
The idea for Motor Claim Guru came from the Director of our company Tim Kelly, who after spending many years advising friends and family as well as offering support on various car forums, realised there was a need to educate the consumer around the minefield of motor insurance. Shocking as this may seem, insurances companies do not necessarily always have your best interest at heart. WE ARE HERE TO HELP!
About our Director
Tim is a highly qualified Independent Engineer with 15 years experience as an Engineering Assessor of damaged vehicles. He has an expert knowledge of the claims process from start to finish, the law relating to it and is also recognised in court as a qualified and experienced professional witness to act on your behalf.
For more information on who he is and what industry says about him click here to link to his profile.
Why use Motor Claim Guru?
Assurance that you are getting accurate information and guidance on how to handle your claim. The opportunity to have the stress taken away by allowing an expert to act on your behalf and ensure the best possible outcome / settlement for your claim.
So what can we help you with?
Do you want piece of mind with your claim? Click here
Do you want to use your own repairer? Click here
Do you want the best settlement for you vehicle?Click here for total loss settlement orhere for cash in lieu
Or any other issue you may have?Not happy with your insurer? Click here
You can rest assured that you are in good hands.
Please Note!!! if you would like us to act on your behalf, you will need to place in writing and sign that you have delegated authority to Motorclaimguru ltd to act on your behalf.
Found a company today through twitter, looked at their website, and they have a highly comprehensive guide on assisting with the disposal of salvage.
Here is there about them page
About Us Recycling cars is our business.
Here's a little more about Motorwise ... Motorwise Online Services Ltd is committed to reducing pollution and waste associated with vehicle disposal. We provide consumer-friendly, safe access to the scrap industry by working only with fully licensed Authorised Treatment Facilities.
Our UK network of recycling centres (Authorised Treatment Facilities) are fully licensed and regulated by the Environmental Agency, Scottish Environment Protection Agency or Natural Resources Wales to collect and recycle scrap cars in accordance with the latest legislative regulations. To view a copy of the EU Directive, click here
Every scrap car that comes through our network is recycled to the highest standard. We can guarantee that our appointed centres recycle at least 85% of each scrap car, compared to the industry norm of 75-80%. Our network of centres continues to make progress in this area and many will achieve the new level of 95% before the European target of 2015.
We are committed to delivering a friendly and professional service to all our customers, providing telephone and email support throughout your car's journey, from the initial quote from Motorwise to receipt of payment from the recycling centre.
Check out our FAQs page for questions about Motorwise and our scrap and unwanted car service.
and here is their website click here
Though I have not used them myself, they have very good testimonials!
Here to help ensure consumers are treated fairly by insurance companies.