thanks Chrispin, maybe i will give Pauls idea a miss then.
i cant help but feel that insurance is a complete rip off, and is all on the insurance companies terms, and everything is in there interest.
like if youve got x number of years, no claims bonus. that can only be used on one policy at a time. so you insure a second vehicle, but cant use your no claims bonus, even though you havtn claimed for years. then some one crashes into you in the second vehicle and youve then automatically lost the no claims bonus on the other policy.
or how you can only keep your no claims bonus if you keep insuring, as soon as you say have a year out, all those years of no claims bonus's have gone.
and like the story youve told above, insurance companies will go out of there way to try and find a way around not paying out.
thats why ive always told them about every single mod.
the latest scam that ive heard, and which has just happened to one of my work colleagues, is that people are choosing a vehicle that belongs to some big company, and copying the reg plates and fitting them to there vehicle, safe in the knowledge that that big company will always keep there vehicles insured, MOT'd, and taxed.
my colleague had some one crash into the back of his van on the way to work. not a problem as the guy who hit him said he was insured, so they exchanged details.
a few weeks later it transpired that the car that hit him had the same plates as a tesco delivery van. tesco had tracker evidence, that that van was delivering in london that day!
quite a simple scam really and one that im sure works well for the people who do things like this, especially as almost all police cars are now equipped with ANPR (automatic number plate recognition) cameras, so obviously if they drive past one, it wont ping up, because the vehicle plates theyve cloned is all legal.
