bird

Peter from PpS was doing this the last time I heard

Might be worth asking jaikai mate.

Hiya Kev, hope you're well mate. Would you mind just posting all of the details up that way everyone knows them and registered users can be involved too.

It's because it's American BHP lol

My problem with this is that if I bought one I'd never actually get round to fitting it lol

I guess it depends how much scion you're getting lol

What about when he's dogging lol

I would think so provided the damage was from the accident.

So the car would still start if the battery in the fob was completely flat?

What happens when the batteries in the fob die?

Mint :-)

I would generally expect that the claim would go on your cars policy to be honest but against the named driver. Is your car being repaired and what level of cover do you have?

You should get it out for a taste. Link the the type you bought lol This is what I'd want... Stoelting 100-C Stainless Slush Puppie Machine Granita http://bit.ly/SpzSv4

Any pictures?

Is it one of those machines that you had all the flavours sat on the front? I so need to get one. What sort of budget does a decent system cost? Not the room and stuff

SteveE some of them look great - I'm just thinking, my how the other half lives lol

I've been dying to buy a slush puppy machine - a proper one thoguh

You a builder by trade del or you you good with stuff like that?

Didn't you have quite a big house though? I seem to remember you some some huge garden, outhouse type of build not too long ago. Did you ever finish it?

How bigs the room? Looks huge lol

I like it, coming on nicely

That sounds good mate. You should do a quick video showing how it works. Sounds very modern indeed

Again without knowing the policy wording and all that kind of thin i can never be sure and theres also 2 views (yours and the insurers) but from what yours saying, something seems to be a miss there. Usually people over 25 can drive another persons car with the owners permission. For example, I could drive your car if you let me but I would only be covered third party only (NOTE - not all policies cover this). Quite often there is an exclusion for vehicle owned or leased to you or your spouse/partner. I don't know whether all companies have this kind of exclusion but mine certainly does. Given you're saying your wife can claim under her policy, I can only assume that the exclusion isn't on her insurances policy. It sounds to me like you're allowing your wife's company to sort out the claim but in the meantime that your own company have been contacted (probably by the other parties insurer) claiming that the incident has happened and your insurer has said ok given the circumstances they're aware of they'll pay out - usually an insurer can make the decision as to whether or not to pay out but if they've not spoken to you or written to you I don't understand how they could possibly say whether or not an incident has happened. Out of interest, did your wife hit the other party in the rear? If so then it might give a little bit of an explanation as to why they've proceeded to pay the claim. Out of interest, why on earth have you got a £3000 excess? Have you checked your documents to see if that's right? Also is your wife a named driver on your car?

So just to be a bit clearer as I think things are getting a little confused. First, all insurers are different, they'll work differently and have different term and conditions etc. Following a claim you may need to pay your excess - potentially regardless of fault as until the insurers decide who is liable then it would be in dispute and both insured parties would usually need to give there count of events to their own insurer (as naturally no one will just pay out on the basis of one persons word). In the meantime, providing that you paid your excess your company may then fix your car and the excess can later be claimed back off the other insurer (assuming they've admitted to their customers liability). You 'may' need to have the legal cover at this point as the excess would be an uninsured loss. If a party is uninsured or not showing up on the MID then the individual would likely get a letter through the door directly. Another example where a customer might need to pay for the losses themselves would be where the insurer already fixed the car and then the policy is declared void due to a non disclosure of material facts or if the customer mis-represented the risk etc. in that case the insurance company might try to claim back their losses. An insurer can also end up paying out a 3rd party claim under the Road Traffic Act as a last known insurer. I guess what im trying to say is that It's really hard to know what is right and wrong as each individual case is different and would need to be reviewed on their own merits. Princeking - I'm a bit confused exactly what you're asking above mate (sorry)

I wouldn't have thought you could go after the third party since they are actually insured - I could be wrong but I would very much doubt it and doubt the legal department will help at all in this case. Technically te insurer could still claim the excess is payable but as they insure both parties I wouldn't have thought they'd take it just to claim it back. Besides that the third party will often just pay the excess without the need for any legal involvement. In this case, I doubt asmiral would have taken the excess. I'm sure acraig will confirm whether they have or not soon enough