Dealership Acid Attack
Discussion
Papa Hotel said:
crispyshark said:
Bearing in mind where it is, I'd go with protection he hasn't paid.
Bit like saying a fire in a Liverpool nightclub is a random arson attack.
Like all good journos, sensationalism before facts. Bit like saying a fire in a Liverpool nightclub is a random arson attack.
Bangor isn't a s
thole and NI, like the rest of the UK, isn't one big protection racket. Do a bit more research before you pass judgement old bean!
crispyshark said:
When I'm not reviewing cars I'm an insurance underwriter, the uk property arson and MD stats are quite compelling, you should review them.
Do a bit more research before you pass judgement old bean!
I'm open to an education. If you have evidence that Bangor is particularly prone to acid attacks following non-payment of protection money, please, show me, I'll happily eat humble pie. Do a bit more research before you pass judgement old bean!
Papa Hotel said:
crispyshark said:
When I'm not reviewing cars I'm an insurance underwriter, the uk property arson and MD stats are quite compelling, you should review them.
Do a bit more research before you pass judgement old bean!
I'm open to an education. If you have evidence that Bangor is particularly prone to acid attacks following non-payment of protection money, please, show me, I'll happily eat humble pie. Do a bit more research before you pass judgement old bean!
So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
crispyshark said:
MD (malicious damage) can take many forms, not just an acid attack. I didn't say Bangor was particularly prone to acid attacks. Stats for MD, especially in Belfast and surrounding areas are not great.
So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
Again, I'm open to evidence. You said that given where this happened, it was likely to be the result of someone not paying their protection money. Show me some evidence that Bangor (or even NI as a whole) is a hotbed of this type of activity. Stats, documentary evidence, not the means with which the act was carried out. So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
Cliftonite said:
i thought people got jailed for carrying knives these days.dudleybloke said:
Cliftonite said:
i thought people got jailed for carrying knives these days.dudleybloke said:
Cliftonite said:
i thought people got jailed for carrying crispyshark said:
MD (malicious damage) can take many forms, not just an acid attack. I didn't say Bangor was particularly prone to acid attacks. Stats for MD, especially in Belfast and surrounding areas are not great.
So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
The excess would normally be circa £350 and the attack would be classed as one incident with the vast majority of motor trade policies only applying the excess once so a total excess to pay of circa £350 for a claim worth many £10ks.So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
The excess may well be increased at renewal or other terms applied perhaps applying any excess to each vehicle but that would be highly unusual unless the trader has a history of malicious damage claims and / or was situated in a very high crime area
Papa Hotel said:
crispyshark said:
MD (malicious damage) can take many forms, not just an acid attack. I didn't say Bangor was particularly prone to acid attacks. Stats for MD, especially in Belfast and surrounding areas are not great.
So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
Again, I'm open to evidence. You said that given where this happened, it was likely to be the result of someone not paying their protection money. Show me some evidence that Bangor (or even NI as a whole) is a hotbed of this type of activity. Stats, documentary evidence, not the means with which the act was carried out. So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
Shows anti social behaviour up by 10% in Co Down. Appreciate this does not support my claims however I can not download the crime stats sheet to my iPad from psni, I want for specific crime stats. My original point and suspicions I have supported in my statement above and from what I have witnessed and read.
As we are only licensed by our capacity providers to use the geo tool in course of business, I can't give you or send you a print out of the findings of that area however I can tell you (whether you choose to believe it or not), that it views that area as a high crime and extreme arson area.
dacouch said:
crispyshark said:
MD (malicious damage) can take many forms, not just an acid attack. I didn't say Bangor was particularly prone to acid attacks. Stats for MD, especially in Belfast and surrounding areas are not great.
So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
The excess would normally be circa £350 and the attack would be classed as one incident with the vast majority of motor trade policies only applying the excess once so a total excess to pay of circa £350 for a claim worth many £10ks.So now let's look at the evidence from an invetagationary point of view. The attack was quick, targeted and the fact that a brush was used to rub the acid in shows this wasn't random, it was thought about.
Move this on a bit further, if you wanted to really show your anger (if your that way inclined), why not slash tyres, smash windows or in the extreme, torch the cars? By using the acid it makes it difficult for the garage to claim as I imagine their excess will be fairly large for stock in the open and apply to each car. This crime is designed to cause business interruption and max financial damage to the garage. Finally, it is a crime (criminal damage) that carries a lesser punishment than arson if the perpetrators were caught in the act.
The above is why I made my original comment backed up by my own experience as an underwriter and Geographical rating tools we use.
The excess may well be increased at renewal or other terms applied perhaps applying any excess to each vehicle but that would be highly unusual unless the trader has a history of malicious damage claims and / or was situated in a very high crime area
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