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The Dark Knight

Member Since 08 Mar 2013
Offline Last Active Feb 28 2015 01:04 PM
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#459411 Best Insurance For St-2

Posted by The Dark Knight on 27 February 2015 - 08:42 PM

Good point in theory Phil but my bank balance has even bigger limitations than my knowledge should I need to bring a claim lol


#459390 Best Insurance For St-2

Posted by The Dark Knight on 27 February 2015 - 07:44 PM

 

It is a lottery Phil. I'm 30 and have been on the roads for just shy of 12 years, 5 years NCB although I had a minor accident in 2012 that was the other persons fault and no claim made (£30 worth of damage).

 

My premium when I bought the car last year was £400 and something, I pay £38 per month. When the renewal comes along, I shall be 31 with 12 years driving and 6 years NCB so we shall see what I can get it down to.

 

To be fair, I am paying for premium cover with Sainsburys at the moment which includes lost key cover and uninsured driver protection. Only £100 voluntary excess too.

 

Picking up from my above post, my policy is up on April 2nd and no renewal quote yet but I was curious so I did some digging online. I can now get it as cheap as £20 per month with zero voluntary excess but I prefer to pay a bit more for better cover so I decided to get a quote from Sainsburys via Compare the market. It re-directed me to Sainsburys so I have a quote ready to hit them with.

 

My current policy as noted above is £100 voluntary excess, many other benefits as noted but does not include legal cover. This time, my quote is premium just as above but with legal cover and ZERO voluntary excess. £29 per month!!

 

Get in there! Well pleased with that cover.

 

Edit: Protected NCB too!




#458979 Tools For Mechanics Or Theives?

Posted by The Dark Knight on 26 February 2015 - 06:33 PM

In the absence of the inappropriate video, can anyone summarise matters for me please? Without going into too much detail of course or just PM me.

 

I am intrigued by this although parking at work really shouldn't be a theft concern lol...




#454530 Best Insurance For St-2

Posted by The Dark Knight on 14 February 2015 - 08:02 PM

 

That's really good, I'm 3 years older with about the same no claims and the cheapest I've seen was about £450. I blame the postcode lottery.

 

It is a lottery Phil. I'm 30 and have been on the roads for just shy of 12 years, 5 years NCB although I had a minor accident in 2012 that was the other persons fault and no claim made (£30 worth of damage).

 

My premium when I bought the car last year was £400 and something, I pay £38 per month. When the renewal comes along, I shall be 31 with 12 years driving and 6 years NCB so we shall see what I can get it down to.

 

To be fair, I am paying for premium cover with Sainsburys at the moment which includes lost key cover and uninsured driver protection. Only £100 voluntary excess too.




#452511 Odd Reasons Insurers Use Void Insurance

Posted by The Dark Knight on 07 February 2015 - 07:46 PM

An insurance policy is, as they say in Latin, Uberrimae Fidei - The utmost good faith. This means you should be open and honest about everything that you change to your car. However, consumable parts such as bulbs should largely be exempt from declaration. Afterall, a bulb can go and need to be replaced. Lighting upgrades are a different matter, such as HID kits obviously.

This bit caught my eye: "They have concluded that our request to declare all modifications was not made clear enough to Rev Parry and therefore she did not know which vehicle enhancements should have been declared."

The insurers would have fallen foul of the Contra Proferentum rule. This means any ambiguous term will be interpreted in a way least favourable to the party seeking to rely on it.

In simple terms, in a legal battle over the validity of the policy, the insurer would try to rely on the term of the policy but the customer would say it is vague and that they were unaware of what should and should not be declared. The court would interpret the term against the insurer as they are trying to rely on it and hence as in this case, the insurer has backed down and will review their wording.

 

The way I see it is just phone it in. I told my insurance company that I had fitted both winter tyres and a spare set of alloys to the ST and they didn't charge anything. They made a note of the tyres but didn't care about the spare rims!

Peace of mind by having declared though




#452482 Off To The Concrete Jungle Where Dreams Are Made Up!

Posted by The Dark Knight on 07 February 2015 - 06:47 PM

Short of a big lotto win, it will be quite some time before I can afford an elaborate tour like last year in the States. What we have managed though is 4 nights in NYC in early November (December prices almost doubled!).

I have been before (2006) so not worried about being there any longer. We have managed to secure return flights from Birmingham to JFK with American Airlines (via codeshare with British Airways).

We are staying in the Sheraton in Times Square with a top end room overlooking Times Square. I am looking forward to seeing the Freedom Tower amongst other things.

All this and airport transfer for just under £1k each icon_thumbs_.gif

http://www.sheratonnewyork.com/

P.S, got to sort out a new passport as mine expires in September. Circa £80! GGGRRR!! lol                    




#452404 Dash Cams

Posted by The Dark Knight on 07 February 2015 - 01:10 PM

I paid £28 + postage from Amazon for the non GPS model. The Roadhawk at £179 (from Santa) has GPS so I didn't bother with GPS for the rear cam.

 

Check out the dashcam topic area, I am going to add a couple of videos from this week from the Roadhawk. Cheers




#450072 Winter Tyres For St / Zetec S

Posted by The Dark Knight on 30 January 2015 - 10:06 PM

Nice one a see you got the contiental ones good reviews on them Dave and Nice stop! Yeah thinking about it as car been sliding lately when roads covered like the roads you wit driving on lol mates in Norway and Finland say nokian is great so thinking about them

 

They are simply brilliant. Here's hoping for more snow and ice. I think the greatest of the tests I did was the video where I stopped halfway up the icy hill. As I mentioned in the description, summer tyres wouldn't make the hill let alone be able to stop on it and then get going again!

 

In fact, a 4x4 on summer tyres would not have been able to do that.




#443889 Woman Drives Car Without Strapping Kids In

Posted by The Dark Knight on 11 January 2015 - 06:56 PM

Online DVLA vehicle checks states that this car is not taxed either...

 




#441662 Dragging/scraping Noise When Braking

Posted by The Dark Knight on 03 January 2015 - 10:49 PM

It has still been doing it today, even after a drive in heavy rain which should have washed some of the crap off. I am going to get it washed tomorrow and see then.

 

I have booked it in at the dealers for the 14th just to play it safe. That was the soonest they had.




#441232 Sticky Topic For Dashcam Videos?

Posted by The Dark Knight on 02 January 2015 - 06:31 PM

Quick sample video which shows the use of RaceRender software:




#441219 Dragging/scraping Noise When Braking

Posted by The Dark Knight on 02 January 2015 - 06:03 PM

Thanks for the input. I will see how it is over the next few days and ring the dealer to get it booked in if needs be.




#441190 Dragging/scraping Noise When Braking

Posted by The Dark Knight on 02 January 2015 - 05:04 PM

The car is certainly due a wash and I guess grit is the main cause. I've been ploughing through a fair amount of snow whilst recording those videos so I guess picking up grit was inevitable. It did happen throughout my journey today.

 

I'll see if it continues after the car has been washed and no harm in ringing the dealer for advice if it persists. I might view the dashcam files to see if it can be heard on there....




#441121 Dragging/scraping Noise When Braking

Posted by The Dark Knight on 02 January 2015 - 02:03 PM

I've had this on most if not all cars I have owned at some point. I seem to recall phoning the dealer once and they said it is perfectly normal.

 

It seems much louder than normal at the moment but we have just had snow recently so a lot of grit will be about. Only when braking at lower speeds, such as town driving.

 

Does anyone know the exact cause for this dragging/scraping noise?

 

Cheers




#441059 Declare To Insurance Company?

Posted by The Dark Knight on 02 January 2015 - 09:49 AM

Still better to be safe and declare though. Don't give them cards to play. What they call a claims department is really an avoidance department.

Their primary objective is to avoid paying out and the staff will be trained to do that where possible.