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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
Mal,

I think you may have missed my big smiley grin.

Very Happy Thumbs Up ...... I was trying to remove you from having anything to do with BW's suggestion of naming the underwriter...........


- or are you just having a laugh and I've taken you seriously Embarassed
Post #562414 8th Sep 2016 2:06pm
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K9F



Member Since: 12 Nov 2009
Location: Bournemouth
Posts: 9610

United Kingdom 2008 Defender 90 Puma 2.4 XS CSW Stornoway Grey
The latter.... Rolling with laughter If you go through life with your head in the sand....all people will see is an ar5e!!

Treat every day as if it is your last....one day you will be right!!
Post #562416 8th Sep 2016 2:16pm
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
doh !

Thud





Rolling with laughter Thumbs Up
Post #562420 8th Sep 2016 2:22pm
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K9F



Member Since: 12 Nov 2009
Location: Bournemouth
Posts: 9610

United Kingdom 2008 Defender 90 Puma 2.4 XS CSW Stornoway Grey
For me this thread opened up a festering wound.......

This forum has been a great source of valuable information and inspirational to me and I have made some very good acquaintances as a result over the 7 odd years I have been here. I would also like to think my contributions may have been helpful too and made a difference and was useful too?

The fact I was threatened with a ban under such circumstances has been a stick in my craw for long enough. Time to cough it up, which I have.

Apologies and thank you to you all and a probable/possible farewell post? Who knows? Bow down If you go through life with your head in the sand....all people will see is an ar5e!!

Treat every day as if it is your last....one day you will be right!!


Last edited by K9F on 8th Sep 2016 2:33pm. Edited 1 time in total
Post #562421 8th Sep 2016 2:27pm
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
K9F wrote:
Blackwolf that is up to you.
and if you followed the suggestion in my last post you would already know who the underwriters are!

Get a grip man!


hi - I did read the first 20 pages and was none the wiser....... (unless of course A.F. isn't a broker which I thought they were?)

....2nd thing I got wrong. I assumed the gagging was from your underwriter and nothing to do with this site.

Sad
Post #562422 8th Sep 2016 2:32pm
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K9F



Member Since: 12 Nov 2009
Location: Bournemouth
Posts: 9610

United Kingdom 2008 Defender 90 Puma 2.4 XS CSW Stornoway Grey
^^^^^FFS...Wrong in both counts.....

Thud Thud Thud Thud Thud

There is absolutely no helping some people!

blackwolf wrote:
Mal, you may be gagged, but I am not. Shall I reveal the name?


No need Caterham has forced me into a hari-kari situation.....

Here you go.....

K9F wrote:
Doesn't really matter who you go with regards to insurance brokers it's not their own products their peddling and pricing is not governed by them. Just make sure your policy is not provided by Markerstudy whoever you're with.


This'll not be here for long I'd wager......nor me come to that! If you go through life with your head in the sand....all people will see is an ar5e!!

Treat every day as if it is your last....one day you will be right!!
Post #562423 8th Sep 2016 2:35pm
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
Confused
Post #562428 8th Sep 2016 2:50pm
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walfy



Member Since: 29 Aug 2007
Location: Frome
Posts: 2642

 
I had an accident last year in a vehicle I own. Insured through NFU and I felt I was seen off. Tried to argue my case but no joy.
Accident happened in slow moving traffic on a duel carrriageway approaching a roundabout in rush hour. Traffic was very stop start and slow moving when you did move.
I was in the right hand lane, but decided to pull off an an earlier exit from the roundabout than planned. Car next to me was stationary, woman was on her phone, don't get me started on that issue. Car in front of her moved and left a gap betwen tem of 3-4 car lengths. Woam still on the phone.
I indicated and moved into the other lane. I was still at a slight angle when I came to a stop but 75% of my vehicle was in the new lane. I was stationary for 3-4 seconds before woman in car rear ended me. Very little damage to my vehicle but hers was a mess, Bumper, Bonnet, headlight all damaged.
Exchanged insurance details, forgot all about it u ntil letter from NFU came through the post. Apparently I was 100% to blame and the accident will go against me.
Reason they cited, I hadn't 100% completed my maneuver so I was to blame. The fact I was stationary and she was on the phone is irrelevant. It's all to do with the position on the road. 110 D250 SE HT
110 USW SOLD
RRE HSE Dynamic Gone, wife killed it
VOLVO XC60 R Dynamic with some toys

Polaris RZR 900XP SOLD
Post #562448 8th Sep 2016 5:03pm
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mk1collector



Member Since: 17 Sep 2009
Location: West Yorkshire
Posts: 6769

England 2004 Defender 110 Td5 CSW Bonatti Grey
Shocked I think I'd be taking that one all the way to court!!! Ray
My build thread
http://www.defender2.net/forum/topic17615.html
Post #562474 8th Sep 2016 6:40pm
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shaggydog



Member Since: 12 Aug 2012
Location: Kent
Posts: 3346

United Kingdom 1991 Defender 110 200 Tdi USW Arles Blue
Shocked Quite agree, I don't believe for a second any judge in his right mind would find her actions correct. Running Restoration Thread http://www.defender2.net/forum/post323197.html#323197

Self confessed mileage hunter Very Happy
Post #562686 9th Sep 2016 12:41pm
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leeds



Member Since: 28 Dec 2009
Location: West Yorkshire
Posts: 8578

United Kingdom 
Whilst some people may have had good experience with the NFU others have not.

The NFU is a mutual insurance company where local branches are independent operations often privately owned. The trouble there is that there is no consistency between the different independently owned local office.



We laugh at the NFU tv adverts as we refer to the NFU as the No F$%^&*( Use Insurance company.

We used to have multiple insurance policies with the NFU with total annual premiums of 8-10k/year. After about 8 years of no claims we had a single claim of about £2.5k then the trouble started. A single theft event and they wanted to hit 2 off our insurance policies which meant 2 excesses. Cutting a long story short after several complaints they sent a loss adjuster around who took all of 2 minutes to decide the local branch of the NFU were talking out of their collective rear orifices. He was gob smacked hen I told him to take photos of the horses in the field as the NFU did not believe one side of our drive was adjacent to fields. He was further surprised when I told him to take a photo of the other side of our drive. I said the wall was 20 ft high as it run down the back next to the wall of the neighbouring houses. No I had not put a tape measure against the wall but they are 2 storey houses.

Yes on the word of the loss adjuster they paid out n full against one policy plus various extra fees for their stupid reactions.

Guess what due to their stupid comments/reactions we moved all our policies to another company. In our opinion the insurance company is only as good as when you need a justifiable claim. Our local NFU is good whilst you pay the premiums but are absolutely useless if you have to make a claim.


Brendan
Post #562834 9th Sep 2016 10:14pm
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Happyoldgit



Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

United Kingdom 2015 Defender 110 Puma 2.2 USW Corris Grey
Agreed Brendan. I would also add that much also rides on whether you are on first name terms with your local NFU agent, if you are chummy with them all is well but if your relationship is more businesslike then they are just like any other insurance outfit. Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades.
Current Defender: A non tarts hand-bagged Puma 110 XS USW.

[Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc]

http://forums.lr4x4.com

I used to be Miserable ...but now I'm ecstatic.
Post #562843 9th Sep 2016 10:56pm
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
update.

just found out that all the occupants didn't after all get injured Evil or Very Mad

but their 18 month old zetec ford fiesta which had a minor (c£300 repair) was written off and they bought it back and repaired it!!! ???

I smell a rat. how could a circa £8k - 10k car have gotten written off?

what trick are they playing?

update

....just come down off the ceiling.

mis-read the witness statement. the fiesta was written off, owner paid value of car less £500 (excess). how on earth can a circa £10k car get written off with only a minor cosmetic dent (their words), paint work not even damaged!

I still smell a rat.
Post #585579 16th Dec 2016 3:06pm
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Paulv8



Member Since: 09 Jun 2013
Location: Milton Keynes
Posts: 616

1989 Defender 90 V8 Petrol CSW Alpine White
Did you take pictures of their car? V8 90...WIP
Post #585583 16th Dec 2016 3:30pm
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6264

England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
yes. ?
Post #585585 16th Dec 2016 3:33pm
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