Archive for the ‘ Claims ’ Category

 
Wednesday, March 31st, 2010

It is not about cars yes I know but the news about a guy who decided to place flame thrower on the end of his scooter.

But the thing is I don’t know if I can believe this due to it partly being from Top Gear and partly from the fact is that he got arrested for doing this and he has had his stuff taken off him but also his name is Mr Furze.

Mr Furze…. Come on is this a belated April Fools.

I give it about 3 days before we find out that this is actually just a April Fool stunt.

 
Tuesday, March 23rd, 2010

For my last blog I am going to talk about f1. I am going to talk mainly about Michael Schumacher and his chances of winning the championship again.

This year has seen the re birth of Micheal Schumacher who was self proclaimed rusty for the first race back at Mercedes. I really think that Michael Schumacher is going to be back in the next couple of races and I think that he will be back to his best.

I think that there is a possible win of the championship but I think he will only have a couple of years to do it in before he will have to retire.

 
Thursday, March 18th, 2010

BMW have decided to follow the what Top gear did a number of months ago in there 14th Series where they were in Middlesbrough to produce car in art. For Top Gear this was a absolute failure as they went through the life and times of Cars.

Anyway

BMW have decided to complete something very similar with there new and 18th design for the Le Mans Race of this year.

The way that the car will finally looks will be brilliant I think as they has been so many good car designs for BMW previously. For instance the three lines were brilliant as well.

 
Wednesday, March 10th, 2010

Yes before you complain this is I am going to go on about door mirrors.

Why?

Well the other day someone drove past our car at speed and they knocked the wing mirror the wrong way and now it does not push in correctly now.

Ok yes it is our fault that it did not get pushed in but it does not work at all and I know that the part will probably only cost about five quid but the labour will cost loads to sort out.

Dam you people who have no spaccial awareness I hate you all.

 
Tuesday, March 2nd, 2010

I am wondering what there is to talk about this month but Formula 1 season is into swing so I think I will concentrate on the formula 1 season.

So,

Who is going to win the Formula 1 season this year?

There are a lot of contenders such as Michael Schumacher, Fernando Alonso, Lewis Hamilton, and Jenson Button to name but a few favorites.

Well I recon that it will be potentially Alonso or even Jenson Button. I really think that Michael Schumacher will not be successful this year but next year I think he will be stronger.

 
Saturday, August 22nd, 2009

Mulsanne….. I am not too sure on the name I think it is a bit shiek is. But I suppose the only people that will be able to afford this Bentley will be a Shiek.

The rest of the figures are impressive though. This beast has a 6.75 litre engine that will get the Mulsanne from 0 to 60 in around about 5 seconds. Now this is impressive considering that this will be probably the good side of 3 tonnes weight.

I would love to see something that heavy pull away with that much grace. I would love to drive one as well so if Bentley are listening please allow it happen.

 
Thursday, July 9th, 2009

Many people are trying to rent a car for some time, whether it’s a fancy event, a trip or just a business issue. Car hire companies have grown from small time dealers that were renting cars to a impressive industry that specializes in any makes and model you could possibly imagine.

Usually cars are grouped in categories which gather similar vehicles (often grouped by size, and engine capacity). We have few standard groups, like: A, which contains small cars like Toyota Aygo, or Ford Fiesta; B, which focuses on mid-size cars like Honda Civic, Ford Fiesta or Toyota Auris; C, represents a mid-upper class vehicles, eg.: Honda Accord, Ford Mondeo or Volvo S40. higher groups have higher standards but also cost more.

Car lenders are usually charging clients per day and apply a standard rate depending on a contract length. Sometimes when you want to hire a car for longer than few days lenders could give you a large discount depending on how many days you’ll choose to take. You can even use voucher codes if you have any at hand to lower the cost of the hire.

To start you would need a valid driving license that you held for at least a year (standard requirement), second ID document, eg. passport, an estimated deposit money and you could drive away in any desired car right away! But beware of what’s written in small on the contract, as very often companies are protecting their cars value by applying a mileage limits (you’ll be charge extra after breaching the limit stated in the contract). This is one of the very few downsides, as there is more good than bad about car hire service.

The feature that is the best for me is that I can drop the car in almost any point of the country without any additional charges. And this is how it should be everywhere!

 
Thursday, May 7th, 2009

In general you don’t usually think of GPS Vehicle Tracking Systems until you have the need for it, i.e. in the unfortunate event of your vehicle being stolen, currently vehicle manufactures usually only offer GPS vehicle tracking as an add-on to a standard package as a chargeable addition extra, however it comes highly recommended as the chances of recovering your vehicle increases considerably.

Additionally GPS vehicle tracking systems are commonly used on Hire Vehicles to track your whereabouts should you breakdown. Up on calling the breakdown company and giving your registration number the roadside assistance team can identify exactly where you are and get a repair vehicle out to you.

Vehicle tracking systems vary, generally for businesses with a fleet of vehicles you can view your fleet locations, speed and status throughout the day. This would then allow you to ensure your fleet is most productive, better respond to customer deadlines and cut fuel costs. They also allow you to plan routes, give customers better response times and keep them updated with times of delivery and pickups.

With some of the advanced GPS tracking systems you can use and manipulate the data to check the speed of the vehicles, the numbers of stops the driver has made and estimate fuel consumption allowing you to make informed managerial decisions.

 
Thursday, April 30th, 2009

You are in your garage and ask your wife to drive the car out of the garage. She accidentally puts the car into reverse instead of first gear and jams you up against the back wall, breaking your leg.

You are self employed and end up having to take 3 months off work recuperating.

Can you claim for injuries?

In short, yes! Accidents like this happen more often that you might think.

You are, in fact, entitled to claim against any person driving the car that caused your injuries or the accident, and this includes your wife as she was a named driver on your insurance policy.

As the accident was the fault of your wife, you are entitled to claim against her for the personal injury you have suffered. You need to remember however that as she is insured under your car insurance policy, indemnity will be paid by your insurer, and your no claims bonus at next renewal will be affected.

The fact that she was driving under your insurance policy is completely irrelevant.

However, as an alternative, if she also has her own insurance policy for another car which permits her to drive other vehicles under the Road Traffic Act, you also then have the option of claiming against her under that policy rather than under yours.

You may want to therefore explore that avenue as well to see which would have the least financial impact on insurance premiums at next renewal.

 
Wednesday, April 29th, 2009

It’s really nice to be able to get your car repaired after an accident without incurring any further expense but it will not always be in your interest to submit that claim to your insurer and ask them to meet the repair costs.

That is not to say that you shouldn’t inform them of the accident, irrespective of fault.

In short, you need to consider the future financial implications of actually claiming from your insurer.

Unless you have protected your no claims bonus, your insurer will knock at least 20% off your no claims bonus when your policy next comes up for renewal. They may even load your premium or increase your excess for any future claims when it comes to renewal. You just never know as insurers change their underwriting strategies all the time.

Take a 25 year old male with an Astra Convertible. He is employed in an administrative job, enjoys maximum no claims bonus (not protected) and has no medical conditions. He has had a minor incident and damaged one of the headlights.

He has a policy with no excess or even £50 excess. The cost of the part may be say less than £100, and with fitting the total repair costs will be in the region of £150-£200.

The best insurance premium he managed to obtain at last renewal was £369 but if he claims via his insurers, that premium at next renewal would increase to £575, some £206 more than the previous year and that’s before taking account of any annual premium increases imposed by the insurer or possible premium loading for the incident.

The premium differential will increase further for younger drivers, particularly if they only had 2 years no claims bonus at the time of the incident. They risk losing up to 40% no claims bonus.

The recommendation therefore is to check with your insurer when you inform them of a very minor accident to establish how much your premium will increase by before instructing them to meet the costs.

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