[Gllug] CarCam (OT)

[David Myers]

Xander D Harkness wrote:
> 
> David Irvine wrote:
> > On Tue, 2003-03-18 at 13:50, Xander D Harkness wrote:
> >
> >>>Also, I keep a form in the car which has details of the other car like
> >>>reg, chassis number, driver, license number, time, place, damage, and
> >>>one for admitting fault. It basically says
> >>>
> >>>I $driver admit fault for $accident at $time.
> >>
> >>Anyone signing this will invalidate their insurance; hence you may end
> >>up with someone signing the form and then not being able to get any
> >>money from them :-)
> >>
> >>Check the small print, all will have clauses preventing admission of
> >>liability.
> >
> > Blimey, it appears to be lose lose. If they dont sign the form, their
> > insurance company says its my fault and it goes to court, if they do
> > sign the form, they dont have any insurance to pay out.
> The worst ploy they have is the "joint liability", in which *they* both
> are at fault and so both lose their no-claims.
> 


The best solution is to try to build up your no claims bonus and get it
protected as soon as pos, then you don't lose your hard earned no claims
and even if it "joint Liability" or some other nasty outcome you will
still have cheap insurance.

Most companies allow protection of no claims after 4 or 5 year, I would
recomend a protected policy even if it costs 10 - 20 % more than the
next best offer as that is bound to be the year when you get into an
accident and end up paying when you lose half of your no claims. 

BUT be warned not all protected policies are equal, most allow 3
accidents in 2 years, apparently e-sure will protect for life but the
policies are prohibotive so it isn't really worth while unless you are
driving an ex-desert storm armour plated bullet proof, auto burrowing
underground nuclear bomb shelter (with cup holders!)




> Crooks really.
> 
> Kind regards
> Xander
> >
> > No wonder theres so much money to make in insewereants.
> >
> > David
> >
> >
> >
> >
> >
> >
> 
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-- 
Dave "The Rave" myers.

AKA. the scourge of the dusty eyeball

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