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No. Its your choice who you chose to insure with at your next renewal. Many insurers do not load for non-fault incidents. Its not the fault parties fault if you chose one that does. They are only liable for damages/losses from the event. What you chose to do in the future is up to you.

The request to return the certificate is not stupid. Its law as above. If you keep the cert and then crash the vehicle after its cancelled the insurer could be held liable as Road Traffic Act insurer. It matters not what company your with now. The fact youve possibly still got a cert which you...

I used to work in Claims and still have some involvement. If the driver of the other vehicle is not covered the vehicle insurer still have a liability under the Road Traffic Act - but may play hardball until an unsatisfied judgement is obtained. I'm not clear what outside help you are...

OP - Don't want to get your hopes up but have you read through this: http://www.financial-ombudsman.org.uk/publications/ombudsman-news/55/55-ask.htm Although you would need to show you took reasonable precautions. If you need any advice drop me a PM.

Close but not quite. I work for another well known insurer and recently claimed via Admiral and the valuation process was nothing short of shocking - valuing the wrong car twice. RE complaints - once you raise the complaint the FOS allow the business 8 weeks to give a final decision - only...

The Highways Agency are entitled to lodge a claim against you for damages to their property as the damage was caused by your negligence. In the same way if you hit the wall outside my house I would claim against you. Thats why legally you must have third-party insurance. If the Highways...

Ok, well it all depends on the insurers acceptance criteria. The easiest way is asking at inception the registered keeper of the vehicle. When you claim the insurer requests the V5, if it in the son/daughters name the policy would not have been acceptable had it known, and therefore the...

Sorry to hear Rob. Wishing you a speedy recovery. Regarding this insurance of the kn0b this can be quite technical. You will be able to claim compensation for both the damage to your vehicle and any injuries sustained, but who from remains a question. An earlier post said they have an...

Evening all, Been browsing the site silently for a few weeks and thought it was about time to say hello. Im from Essex and currently on the lookout for a 182. Unfortunately my previous E46 318CI Sport decided it like the look of the back of an A3. Otherwise I work for a major UK insurer so...