Insurance co won't cover my replacement vehicle costs...

[Centurion07]

h0b0 said:

I did

Centurion07 said:

I hired another vehicle in the meantime (which I told them I was going to do) from another driver.

Dave’s rent-a-wreck

Centurion07 said:

the insurance company are stalling and asking for all sorts of ridiculous proof that the hire took place.

Like being from a legitimate rental company?

Centurion07 said:

Being an almost 100% cash business, there is nothing to physically prove I was handing over £200PW to this guy.

Oh, ok. That

Centurion07 said:

ridiculous proof

By your own admission doesn’t exist.

Centurion07 said:

I first provided them with an invoice from the other driver. They didn't like that as it "is not a proper invoice". This guy isn't a huge corporation. He has a few cars he hires out and therefore doesn't have an invoicing system detailing lots of boring T&C's.

I.e. is not a legal business.

Centurion07 said:

I provide his details to the company and they speak with him directly to confirm everything. They don't accept this.

“Hi, is that Dave?”

Centurion07 said:

The car was scrapped at the beginning of this year which the insurance company start quibbling about.

Ok, so..... you can’t prove the payments were happening. They can prove the car was scrapped. You, expect them to pay.


This is just from your first post. I was pleasant before but now I’m calling it as it clearly is. Bull st insurance fraud.

Now answer my other question, if you don’t track your cash income, how do you accurately pay tax? You have said on here how you do track each journey but chose to not write down the fare.

You are a leach on society.

Quoted just because.

I'll answer one of your points, which is more than you deserve since you're such a monumental bellend.

Nowhere did I say I don't track my cash income. If you can ask your carer to read the thread again, they'll point out to you that what I actually said was there is no obligation for me to record each individual fare amount. This is literally nothing to do with tax whatsoever.

Now be quiet and let people who know what they're talking about which, apart from you, seems to be everyone, offer up their advice.

[Centurion07]

h0b0 said:

Again, I’m reading a different thread to you because some have sympathized but most have told you to get a real invoice. I don’t have any sympathy because I do not believe for a second you wanted to do the insurance company a favor. Your options were to take their deal or drive a wreck on its last legs. And you took the wreck option even though you feel out of pocket. Bull st. You are playing the system and the only way it makes sense is that your income is higher than what you report. You have said all over this thread your cash income is untraceable and you chose to keep it so.

I am just quoting you. Is this “fake news”?

I guess reading and comprehension aren't in your list of strong points, huh? Spelling doesn't seem to be either.

Nowhere did I say my cash income is untraceable. Let me spell this bit out for you:

Centurion07 said:

...cash fares are not documented individually, nor do I make regular deposits at the bank and as already mentioned earnings vary wildly week to week so there is no way of showing a £200 cash outgoing each week.

Nor did I say the car was a wreck on it's last legs. You do know cars get taken off the road for a variety of reasons, not least of which because someone else might have written it off...? But hey, don't let a little detail like that get in the way of you adding two plus two and coming up with triangle.

Did you vote Trump, by any chance?

What exactly was their "deal" by the way? I don't recall mentioning it...

Edited by Centurion07 on Monday 23 July 14:47

[Centurion07]

h0b0 said:

I think I have raised several pertinent points in my posts. If the car was written off due to an accident, wouldn’t you say that? You said it was scrapped. You said the insurance company had issues with it being scrapped. I’m very sure they would be understanding of a written off car.

The owner of the car told me it had been scrapped. I told the third party insurer that when they mentioned it was SORNED. I have no idea of the reason. Nor do you more importantly. Not that it matters anyway. It was a proven, fully legal private hire vehicle for the period I was renting it.

h0b0 said:

We appear to be going around in circles here. You say you have not said the money is untraceable and I quote where you almost boast about it being untraceable.

Are you really unable to differentiate between individual transactions being itemised and a lump sum being paid into the bank...? Stay with me now...I will collect all my cash together and pay it into the bank every so often. I couldn't tell you how much I charged Mrs Miggins to get from the pie shop to her home the previous tuesday.

h0b0 said:

You have not addressed my concerns over your income being legitimate or not. You have told me you were advised to log charges but as it wasn’t a requirement you have not. I stand by the fact that the only reason you came up with this scheme was that you were hurting due to reduced, undeclared income.

It’s a straight forward question that you have avoided. Is your income accurately declared?

You stand by your fact? I have not addressed your concerns? Last time I checked I didn't have to justify anything to a random autistic on the internet.

I would ask you to explain how this could actually be a scam on my part given that the third party insurer have already said the sum being claimed is very small for the length of the hire and I can prove I was actually working for the period of the hire. Do you think I managed to magic up a free car for five and a half weeks?

In short, I don't give a flying fk what your little troll brain comes up with in order for you to spout this bullst, but any continued advice from anyone else still reading is still welcome.

Edited by Centurion07 on Monday 23 July 15:05

[Centurion07]

Tim2k9 said:

This is the part that leads me to believe you aren’t helping which is why it’s taking so long.

How was the day rate agreed?
Is it higher or lower than you would generally make per day?

So far I've given them everything they've asked for. Given that they asked me to provide bank statements from the guy I hired the car from I feel they're now into taking the piss territory.

The day rate was agreed on the day of the accident to be paid up until my car was fixed which was supposed to be around a week as they were sending out a mobile repairer and it would've taken them at least that long to source a replacement for me.

Surprise surprise the mobile guy couldn't do it so it went to a proper bodyshop. As I didn't want to wait around I told them I would hire a vehicle locally which they were happy with. They then managed to drag the repair out for 5.5 weeks.

The day rate was slightly less than I would earn but I took it as it meant a week off. It is however, more than the equivalent daily hire charge I am claiming.

[Centurion07]

Glasgowrob said:

insurance company sound like they are being total tits here.


sub £30 a day costs for a licenced vehicle is peanuts.


last replacement plated car I had was getting billed to the insurance co at £220+vat a DAY.

question I would ask do you work through a circuit or are you a street hack? surely you would have had to register the change of vehicle with a base if any and could use that as proof.

else type up a rental agreement back date it to the suitable dates sign and submit. jobs a good un.

and lesson learned for next time, don't do the decent thing just straight on the phone to the accident management company and let them bend the insurance company over

Total tits. Agreed.

I work a circuit. They cannot provide me with anything to prove that was the vehicle I was using at the time. They can provide my work sheets but nothing to say that was the car.

Yep, lesson learned alright.