RIP my first car (2001 Renault Megane Coupé 1.6)
- Thread starter buckeejit
- Start date
[TW]Fox;18090457 said:
You're being too sensible again Fox
.While it is "Wrong", it isn't the crime of the century, neither is it going to be blatantly obvious to uncover and even then I doubt being paid to provide a policy that can't actually be claimed on is going to be something that the Insurance company's Fraud department will be working overtime on
.Personally unless I knew I could sort out a replacement car within the few couple of weeks I'd cancel the policy, but for financial reasons rather than moral ones.
doesn't look like I can sort out a car until around march/april. I'm not sure if I should cancel the insurance or keep paying it and swap it over when I get a new car
I'd keep paying it, but then due the grey area of it all, I wouldn't be splashing it all over the net
I'd keep paying it, but then due the grey area of it all, I wouldn't be splashing it all over the net
bit too late for that
You haven't specifically said "Ok I'm going to continue paying the insurance"
I'm sure even after a knock on your head you can see what doesn't need to be said online
lack of money mate. I don't want to get a wee scrapper now and it only lasting a few months, I'd rather buy a half decent car if that makes sense?
You're being too sensible again Fox
While it is "Wrong", it isn't the crime of the century, neither is it going to be blatantly obvious to uncover and even then I doubt being paid to provide a policy that can't actually be claimed on is going to be something that the Insurance company's Fraud department will be working overtime on
Personally unless I knew I could sort out a replacement car within the few couple of weeks I'd cancel the policy, but for financial reasons rather than moral ones.
theres a simple way to solve this
either
A) transfer the policy to your new motor then scrap the car
or
B) don't scrap the car till your NCB is issued for next year so you don't have to cancel the policy.
You still have an insurable interest in it while its your car sat at home, even if you don't intend on driving it because its damaged. Your still insuring it against theft and fire etc..
It sounds like he doesn't have the money to do A.
And with B it means finding a place to store a heavily damaged car until he has the money to do A, and for what reason exactly? To satisfy a rule that only the most anal of jobworths are going to care about (at least to the extent of happily letting an old Renault rot away in the front garden just to satisfy said rule)
The insurance money are getting money for nothing. Don't try and act like they are the victims of an elaborate fraudulent scheme
.If I needed a car now I'd be buying something cheap with 12 months ticket on it, just to get by.
It'll still be worth what you paid for it in three months when you come to sell it.
It sounds stupid to struggle for three months while trying to save up for "something more expensive" as invariably it wont be ANY more reliable.
It'll still be worth what you paid for it in three months when you come to sell it.
It sounds stupid to struggle for three months while trying to save up for "something more expensive" as invariably it wont be ANY more reliable.
I agree entirely - You make your choice, go for it and hope for the best
And it has been said before, it isn't really a decision you should publicize on an internet forum. Big brother is watching and all of that
.Keeping the policy running shouldn't be an issue, we let customers do it where I work as the customer is paying us for nothing as there is no risk involved, however it's pointless if your insurer will allow you to suspend as dependant on timescales it is possible to get a refund AND still earn an increase in NCD at the end of the policy year.
Another option is to ask them to reduce the level of cover on your policy to Fire and Theft only and just hang onto the wreck until you have another vehicle (they may require that it is garaged to be covered but i'm guessing you won't care if it's nicked or torched), when we do this at work customers end up paying like £6 a month.
Another option is to ask them to reduce the level of cover on your policy to Fire and Theft only and just hang onto the wreck until you have another vehicle (they may require that it is garaged to be covered but i'm guessing you won't care if it's nicked or torched), when we do this at work customers end up paying like £6 a month.
[TW]Fox;18090457 said:
Then simple solution, don't scrap it yet
Edit. Just seen the replies above.
I thought it would be the sort of thing that is slightly iffy, but 1) Who's going to find out? and 2) once the car is scrapped there is zero chance of any claim being made on it, therefore as was said by someone there is no risk to the insurer.
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