non tree related legal advice needed

[Paul in the woods]

Next year, when it's renewal time, the insurers ramp up the premium, and for the next four years too. Remember the question - 'have you had any claims or accidents in the last five years?'

 

You would still have to answer yes to this question even if you've not claimed. AFAIK if you have an accident and don't claim on your insurance you still technically need to tell them otherwise they can wiggle out of future claims.

 

I do agree that in this case they're hardly likely to help and would just pay up whatever the people ask for the wall.

[openspaceman]

 

I do agree that in this case they're hardly likely to help and would just pay up whatever the people ask for the wall.

 

So they pay the extortionate bill and the policy holder loses his discount and pays what extra for his next premium?

 

does the increase in costs over the next 5 years exceed the claim?

[fagus]

I managed a set up and dealt with a several claims over the years.

To avoid just this situation- where something appears simple and then gets out of hand- the advice from Insurers is however seemingly culpable do not admit liability and report the matter to them.

Also on the basis of why pay an expert insurer(a lot)and try deal with it yourself.

 

Tell the spouse, they are can the ones who ding someones rear light,say sorry that was my fault and end up with the cost of total re-spray or write off. Garages can say, legitimately with an old car, we cannot get the paint to match we will have to do the whole vehicle, Write offs can speed up the claim process paper work and are soon viewed as an option. A repair, costing a few hundred quid (easy with mechanic hourly rates), can soon be more than the worth of the Banger shunted.