58 replies to this topic

[pikey7]

if you didn't declare it, your insurance is NULL AND VOID.

Whether they asked, you told, it was written down... whatever. If the facts aren't true, then you are NOT INSURED.... no matter what a piece of paper says.

[Mini Adam]

if you didn't declare it, your insurance is NULL AND VOID.

Whether they asked, you told, it was written down... whatever. If the facts aren't true, then you are NOT INSURED.... no matter what a piece of paper says.

My insurance is valid thanks There are no false facts anywhere on my policy

[pikey7]

you don't get it do you? Insurance companies will do ANYTHING to not pay out. their mistake or yours. It doesn't matter. Don't be so naive.

no matter what that piece of paper says, if they realise their mistake, they will just amend the computer records and not tell you. that leaves you on the road uninsured, liable for a fine, points, and most likely your dad's car impounded and having to pay to get it out. Not to mention paying for any damage to cars or people for the rest of your life.

but whatever. as long as you're happy saving a few quid.

[1984mini25]

you don't get it do you? Insurance companies will do ANYTHING to not pay out. their mistake or yours. It doesn't matter. Don't be so naive.

no matter what that piece of paper says, if they realise their mistake, they will just amend the computer records and not tell you. that leaves you on the road uninsured, liable for a fine, points, and most likely your dad's car impounded and having to pay to get it out. Not to mention paying for any damage to cars or people for the rest of your life.

but whatever. as long as you're happy saving a few quid.

How about he goes out and learns/finds out the hard way?

I could do with having a laugh at a future topic of that insurance company that gave a binding insurance deal ,are now the scum of the earth for voiding my insurance.

[Mini Adam]

you don't get it do you? Insurance companies will do ANYTHING to not pay out. their mistake or yours. It doesn't matter. Don't be so naive.

no matter what that piece of paper says, if they realise their mistake, they will just amend the computer records and not tell you. that leaves you on the road uninsured, liable for a fine, points, and most likely your dad's car impounded and having to pay to get it out. Not to mention paying for any damage to cars or people for the rest of your life.

but whatever. as long as you're happy saving a few quid.

How about he goes out and learns/finds out the hard way?

I could do with having a laugh at a future topic of that insurance company that gave a binding insurance deal ,are now the scum of the earth for voiding my insurance.

Or how about I do what I did when I got the papers. Phone the insurance company and check I've been added and how long for, and not mention how much they charged me? There really is some diccks on here who think they know it all...

EDIT: Oh, and all this is assuming I have an accident... I get the impression some people may be jealous of my fortune here and are therefore attacking me for it? Ah well... we'll see who's laughing when it comes to may and the insurance has ended...

Edited by Mini Adam, 21 October 2010 - 08:21 PM.

[the.stroker]

Ok enough is enough , the last thing i want to do is close the thread ,so lets all calm down a little please.

[MiniAlex]

When I passed my test it went from £360 - £960! I knew I had to ring up, I could have played it cool, and said I didn't know I had to tell them, but I knew and it just didn't feel right knowing and not telling them. So the day I passed my test, I rang them and they said I was ok to drive the Mini on my own now, but a payment of £600 was required!
But.. I didn't mind, as at least I knew if I rang them, let them know, paid my way I would be ok! I didn't want to get pulled over and have to play dumb!

Just have to be carefull with insruance, it becomes a pain sometimes and gets confussing I think!!

[Mini Adam]

When I passed my test it went from £360 - £960! I knew I had to ring up, I could have played it cool, and said I didn't know I had to tell them, but I knew and it just didn't feel right knowing and not telling them. So the day I passed my test, I rang them and they said I was ok to drive the Mini on my own now, but a payment of £600 was required!
But.. I didn't mind, as at least I knew if I rang them, let them know, paid my way I would be ok! I didn't want to get pulled over and have to play dumb!

Just have to be carefull with insruance, it becomes a pain sometimes and gets confussing I think!!

I will tell them. But because it's a monthly insurance rather than a yearly one it won't change or something...

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

[MiniAlex]

if you didn't declare it, your insurance is NULL AND VOID.

Whether they asked, you told, it was written down... whatever. If the facts aren't true, then you are NOT INSURED.... no matter what a piece of paper says.

I agree with you!
If you don't let them know what the situation is, you don't have insurance. If I didn't declare all my mods, they aren't really insuring the Mini they thought it was, so really they could say that I don't have insurance. Although the reg plate comes up as insured, the car is nothing like what they think it is. I.e a Standard Mini Sprite, if I put all the mods on and don't let them know, if it's in a bump I don't have valid insurance.

It doesn't matter what you piece of paper says that came in the post, at the end of the day its not the full info on the paper. All the details are on the insures computer, the database. So if you were to get pulled over, the police will ring your insurance company up and they can get every bit of information about you and what you are insured on. You can't really get out of it these days, the technolgy is too good!!

[MiniAlex]

When I passed my test it went from £360 - £960! I knew I had to ring up, I could have played it cool, and said I didn't know I had to tell them, but I knew and it just didn't feel right knowing and not telling them. So the day I passed my test, I rang them and they said I was ok to drive the Mini on my own now, but a payment of £600 was required!
But.. I didn't mind, as at least I knew if I rang them, let them know, paid my way I would be ok! I didn't want to get pulled over and have to play dumb!

Just have to be carefull with insruance, it becomes a pain sometimes and gets confussing I think!!

I will tell them. But because it's a monthly insurance rather than a yearly one it won't change or something...

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

I asked my dad this the other day, I think the answer is No. On certain people's insurance, you can get a cover where you are able to drive other people's cars if you have their permission, but I don't really understand.
People have driven my Mini who are fully comp, and it says on their insurance doccument that they are able to drive other cars with permission from the registered keeper.

[wolfie]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Edited by wolfie, 21 October 2010 - 08:56 PM.

[Timtom]

with fully comp (normally) you have to be over 25 or so (your insurance will say so) and you will then be covered Third Party to drive a car you have had permission to drive. e.g if you crash it will cover the person you crash into (if its your fault) but you will have to buy your friend a new car!

[maggies_minder]

i agree with wolfie, its nothing to do with people being jealous, as i and many have said they will do ANYTHING not to pay out,

a friend had leather recaro seats in his new fiesta zetec FROM ford, when some he had an accident they wouldnt pay out, he had to proof they were the original items.

its fair enough using some of the online tips to slightly change your occupation for example to get a cheaper quote,
but to with hold stuff information, or see a mistake and act like you didnt realise and can get away with it will end in tears.

again like wolfie said any problems in your 1st 2years and its bye bye license.

the fact that some many are saying the same thing, i dunno....

[Mini Adam]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Right let me try and sum up here:
Where have I assumed I can drive other cars on 'this' policy (a policy that doesn't exist because my mini isn't insured atm) and how do I check the policy for an insurance I am intended on getting for my mini but don't yet have? Both TimTom and MiniAlex understoof my question, you however seemed to go on the attack... Why don't you actually read the question? You don't look so big and clever now do you...

Secondly, I received the papers and phoned up. I have papers telling me I'm covered, I'ver phoned them up to check I was covered and how long for. Please enlighten me into what else I should do to check my coverage? Ask the magic fairies?
Some people really should read the whole topic before putting in there own pennys worth..
also: *you're

Edited by Mini Adam, 21 October 2010 - 09:05 PM.

[Mini Adam]

with fully comp (normally) you have to be over 25 or so (your insurance will say so) and you will then be covered Third Party to drive a car you have had permission to drive. e.g if you crash it will cover the person you crash into (if its your fault) but you will have to buy your friend a new car!

Ah okay thanks