Insurance voided due to car having PPF! HELP PLEASE!
Discussion
sonnenschein3000 said:
bad company said:
Seriously fella, time to give your head a wobble.
I may well be misinformed, but its not that implausable given how many claims happen each year.I don't think I need to give my "head a wobble" for believing it.
There are a number of instances I'm familiar with where services are supplied between two or multiple organisations, and they will - for administrative purposes- adjust their invoicing to take account of amounts owed between parties.
Nothing wrong with this, as long as vat is accounted for correctly. In fact many financial systems are moving to self invoicing anyway.
However, in my view, this arrangement has nothing to do with whatever "knock for knock" is, and no inference should be made about how insurance companies settle liability, and how they settle invoices.
So for sonnenschein3000, what you've heard is mostly likely accurate administratively, but I would not go as far as to say it proves insurance companies offset liability amongst their customers.
And for bad company - really?
I only came here thinking there had been an update. I remember this post, and it did make me think carefully about what I do to my cars/bikes.
For everyone down the pub /on PH saying "don't tell them / how will they know?", there's a thread like this with insurance canceled "ab initio" and some poor chap facing huge premiums.
Pica-Pica said:
bad company said:
Sheepshanks said:
bad company said:
If you have Apple CarPlay you can use Waze with camera alerts.
The Waze alerts are generally too late with camera vans etc. They can check your speed at 1000 metres.I don’t.
sonnenschein3000 said:
bad company said:
Seriously fella, time to give your head a wobble.
I may well be misinformed, but its not that implausable given how many claims happen each year.I don't think I need to give my "head a wobble" for believing it.
MrBnz said:
Ive started the case with the financial ombudsman early last week i received a response that due to high demand of their services it could take up to 4 months for someone pick up the case and for me to be assigned a case handler!
I do hope its quicker than this!
In the meantime i have started getting a sale price for my car is it still not feasible for me to keep it and pay the premium insurance!
Thank you all for your feedback! much appreciated
Do you have an update please op?I do hope its quicker than this!
In the meantime i have started getting a sale price for my car is it still not feasible for me to keep it and pay the premium insurance!
Thank you all for your feedback! much appreciated
This is worrying for those of us with for example Ghost immobilisers and dash cams.
Ian Geary said:
It is certainly not implausible.
There are a number of instances I'm familiar with where services are supplied between two or multiple organisations, and they will - for administrative purposes- adjust their invoicing to take account of amounts owed between parties.
Yes it's called 'netting'. Mobile phone companies do it all the time as they will owe foreign mobile companies money for their customers roaming on the other company's network, and vice versa for the other company's users roaming on their network. There are a number of instances I'm familiar with where services are supplied between two or multiple organisations, and they will - for administrative purposes- adjust their invoicing to take account of amounts owed between parties.
sonnenschein3000 said:
Yes I think its more that, rather than the bad association of me with wanting a speed camera detector... although they do allow dashcams . Maybe they don't realise that its the same wiring.
Most dashcams use a 12V socket, this makes it an accessory, even if you hide the wiring from sight and therefore not a modification. Edited by sonnenschein3000 on Wednesday 9th August 21:09
MustangGT said:
Most dashcams use a 12V socket, this makes it an accessory, even if you hide the wiring from sight and therefore not a modification.
An insurance company would have to be explicit in their description of things not allowed for people to understand this included plug in accessories under the definition of "modifications".Mind you, I had a debate nearly 20 years ago with an insurance company providing the Porsche insurance based extended warranty as to whether adding a self contained tracker which I put in the "frunk" was a modification that voided the warranty. I never got to test either in my ownership thankfully!
BertBert said:
MustangGT said:
Most dashcams use a 12V socket, this makes it an accessory, even if you hide the wiring from sight and therefore not a modification.
An insurance company would have to be explicit in their description of things not allowed for people to understand this included plug in accessories under the definition of "modifications".Mind you, I had a debate nearly 20 years ago with an insurance company providing the Porsche insurance based extended warranty as to whether adding a self contained tracker which I put in the "frunk" was a modification that voided the warranty. I never got to test either in my ownership thankfully!
skwdenyer said:
My insurer classes a roof rack as modification, FWIW.
Stickers too, of course. https://www.bbc.co.uk/news/uk-wales-south-west-wal...BertBert said:
MustangGT said:
Most dashcams use a 12V socket, this makes it an accessory, even if you hide the wiring from sight and therefore not a modification.
An insurance company would have to be explicit in their description of things not allowed for people to understand this included plug in accessories under the definition of "modifications".Mind you, I had a debate nearly 20 years ago with an insurance company providing the Porsche insurance based extended warranty as to whether adding a self contained tracker which I put in the "frunk" was a modification that voided the warranty. I never got to test either in my ownership thankfully!
silentbrown said:
skwdenyer said:
My insurer classes a roof rack as modification, FWIW.
Stickers too, of course. https://www.bbc.co.uk/news/uk-wales-south-west-wal...NikBartlett said:
silentbrown said:
skwdenyer said:
My insurer classes a roof rack as modification, FWIW.
Stickers too, of course. https://www.bbc.co.uk/news/uk-wales-south-west-wal...Full rally livery type stickers is more than likely what they were targeting when they wrote that rule.
But mostly because they don’t want to pay for the re installation costs of bespoke stickers on top of any paint or bodywork repair.
Either way, it looks like someone in the insurance company is heavily into virtue signalling.
Tommo87 said:
NikBartlett said:
silentbrown said:
skwdenyer said:
My insurer classes a roof rack as modification, FWIW.
Stickers too, of course. https://www.bbc.co.uk/news/uk-wales-south-west-wal...Full rally livery type stickers is more than likely what they were targeting when they wrote that rule.
But mostly because they don’t want to pay for the re installation costs of bespoke stickers on top of any paint or bodywork repair.
Either way, it looks like someone in the insurance company is heavily into virtue signalling.
Alickadoo said:
ConnectionError said:
Alickadoo said:
Terminator X said:
Send a letter to their complaints dept. If that goes nowhere send a letter of complaint to the ombudsman.
TX.
What does TX mean?TX.
What for?
E-bmw said:
Alickadoo said:
ConnectionError said:
Alickadoo said:
Terminator X said:
Send a letter to their complaints dept. If that goes nowhere send a letter of complaint to the ombudsman.
TX.
What does TX mean?TX.
What for?
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