As the car pulled up to the roundabout, the road ahead was clear. It was a sunny day and visibility was excellent. I couldn’t see any reason for him not to just drive straight onto the roundabout,” said 34-year-old Ben Jones. But out of nowhere, he slammed on the brakes as I drove up behind him.” Ben was about to become an unwitting victim of car insurance fraud. Inevitably, Ben crashed into the back of the car in front. We both got out of the car to assess the damage, which to me looked like nothing more than a dented bumper. The driver of the other car insisted I give him 200 to settle the matter there and then as it was ‘clearly my fault’.
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I’m with Mud Puppy, my experience with State Farm has been so good that I don’t think I’d consider switching given my current 13 year old, cheap to ensure car and tiny renters policy. The service was fantastic and prompt even though I had an accident in the middle of our biggest blizzard last year (along with a few thousand other people) and I’m sure they were swamped. Maybe if I was getting fleeced because I had a new car… but the odds of my purchasing a brand new car are slim to none.
In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third-party personal injury insurance. Today, UK law is defined by the Road Traffic Act 1988 , 13 which was last modified in 1991. The Act requires that motorists either be insured, have a security, or have made a specified deposit ( 500,000 in 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons’ property, resulting from use of a vehicle on a public road or in other public places.
In Ireland I’ve used My BA Visa Signature insurance because like many CC companied AMEX will not cover you in the Republic of Ireland. The car ended up with a long scratch along the side and Hertz put in a claim for 1,000 euro. Yes Visa Signature paid the bill in the end but I had to deal with the process, pay Hertz and wait for reimbursement. IT worked but it wasn’t with the same ease or process as Amex.
In June 2011 a new law known as Continuous Insurance Enforcement came into force in the UK meaning that a vehicle must have a valid insurance policy if it has a tax disc, whether or not it is kept on public roads and whether or not it is driven. 17 If the car is to be “laid up” for whatever reason, the tax disc must be surrendered and a SORN declaration completed to say that it is off the public roads.
In order for us to remain compliant with the Data Protection Act we request that you keep us informed of any changes to your personal details or circumstances that may impact the cover you intend to take out or already have in place. It is your responsibility to ensure that any details we hold are accurate and we can take no responsibility for ensuring your details remain current.
Insurance companies have started using credit ratings of their policyholders to determine risk. Drivers with good credit scores get lower insurance premiums, as it is believed that they are more financially stable, more responsible and have the financial means to better maintain their vehicles. Those with lower credit scores can have their premiums raised or insurance canceled outright. 31 It has been shown that good drivers with spotty credit records could be charged higher premiums than bad drivers with good credit records. 32
insure and are trading names of Hastings Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority – firm reference number 311492. Calls may be recorded for our mutual protection. All policies sold are subject to English Law. Registered Office: Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex TN39 3LW (registered in England and Wales no. 3116518).
Insurers can no longer consider gender when calculating insurance premiums, under a ruling by the European Court of Justice which came into force on 21 December 2012. This may affect the cost of your premium when you go to renew your motor insurance. For example, a young woman may pay more for motor insurance in 2013 (compared with how much she was paying in 2012) because her risk is shared with the risk of young male drivers who are more likely to have an accident
Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI). The aim is to help them to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we or your Insurers may search these registers.
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