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+--- Thread: Bennetts V Criminal Conviction (/showthread.php?tid=19380)
Bennetts V Criminal Conviction - catsbum - 07-10-2010
Gonna lay it all on the line here.
2005. Parked up at Warwick services, old guy with Caravan reverse's into my Mustang, drives off, i catch him, he comes back, admits fault and i get 3 witness's who confirm i was not moving.
I get quotes to repair front bumper. forward them on to him. FOUR WEEKS later I write to him again saying I want to sell the car and please respond. 2 days later his Son calls to say he's in Portugal for 6 months, he's retired
I spend Sunday afternoon repairing the car myself, sell it and move on.
3 months later the old guy rings me
I want to pay you for the damage.
Too late chap, I sold her, repaired it myself,
oh, ok, how much do you think is fair?
£100 plus paint (quotes were £300/400)
Thats fair he says, sends me a cheque.
I forget all about it.
4 months later I am arrested and charged with one count of fraud and deception. The old guy thinks that I did not repair the car and conned him.
I plead not guilty and it goes to court.
Even though: I had witness statements, halfords receipt showing paint n paper, I could not prove the car had been repaired. I asked for the car to be at court but it is in Scotland, on one of the remote places, the new owners have put a 'Tribal sticker' on the bumper and refuse to remove it for photos to be taken.
That was in 2006.
Been a pain in my arse since, runs out in November 2011. I have always declared it and its been ok.
Bennetts have insured me since 2007 and never been an issue, till today. Rang them to say bike change, and they ask me shit loads of questions, job change? yes i say. Work for the NHS logistics. Oh, they say thats a problem.
Why? NHS is one of the UK's biggest employers I say.
Nope, we cant insure you. Err yes you can, anyway, goes on for a while and he finally mentions the conviction.
We are ending your policy and will refund you the balance.......goodbye........goodbye? i am truly in tears. What went wrong?
Rang around and Carole Nash, Ebike and Devitts all not wanting to know,
I am now talking to a specialist who will charge me not the £170 i was paying but £600.
Cars are insured with Directline and they said: whats a criminal conviction got to do with your driving ability?
Could do with any input or leads advice here.
Right now I wish I had gone to Manchester found the Old git and his caravan and burnt him inside it, the punishment would have been less
Martin
Bennetts V Criminal Conviction - Trotski - 07-10-2010
Fuckers
Bennetts V Criminal Conviction - Studley Ramrod - 07-10-2010
sheesh, there's summat wrong there mate. I know it's too late now but you should have phoned the cops and got him done for leaving the scene and gone through the ins co. to claim off him.
I recently got me an old car after managing without one for over a year. As a result I've lost ALL my years of no claims 7 or 8 years simply because I was without a car for a year ! Fookin stinks dunnit ! cost me £200 to insure a £250 car !
Did you find out what the exact details Carole Nash etc have on you regarding the conviction ? It's not as if you were trying to defraud the ins company so I don't see why they're doin what they're doin ?
Bennetts V Criminal Conviction - Studley Ramrod - 07-10-2010
Had a quick look on the net and came across a comment that says ins co.'s may regard a person with fraud/deception conviction as more likely to defraud the ins co.
There are some specialist companies mentioned in this linkydink http://forums.moneysavingexpert.com/showthread.php?t=306433
Bennetts V Criminal Conviction - catsbum - 07-10-2010
Thanks SR
The incident was over 5 years ago.
Im sitting on this till I calm down then going for Bennetts Customer Service Dept. How can they insure me for over 4 years and then decide not to, when I have been a good boy, paid premiums and told them of any changes.
Fuck it, they cannot do this. See what happens
Bennetts V Criminal Conviction - Guest - 07-10-2010
Good Luck with this , I feel you wont get anywhere, though you should,but it will vent thy spleen, I HATES beurocracy.
Bennetts V Criminal Conviction - TonyDevil - 07-10-2010
do directline insure bikes?
if your car is with them try for the bike too
Bennetts V Criminal Conviction - stu - 07-10-2010
That's Crap, cats.
Puzzles me how the case got upheld - if you'd sold it without repairing the damage you'd've had to allow a bit off for the dented bumper - so his payment would have been 'recompensing' you for your loss.
Fact you actually repaired it means you were out of pocket, so payment was recompense for your expenses. Either way, he was liable for either damage or damages.
Guy hit me on the 850, dented the standard can, settled privately for the cost of an aftermarket can cos a new Starship Enterprise would've been twice the price.
Bennetts V Criminal Conviction - dablik - 07-10-2010
Fook me,, that is some bad luck cats,,, good luck with bennetts,, what wankers to change there minds now.
Bennetts V Criminal Conviction - ChrisG - 08-10-2010
That's a bit crap.
Have you tried going through a broker rather than direct to an insurance company? They'll check a load of companies so may find more that'll touch you.
Bennetts V Criminal Conviction - Studley Ramrod - 08-10-2010
In all honesty, I think your lucky to get away with not having to pay 6-700 quid ins for the past 4 years, maybe through an error on the ins. co.
Tread carefully my friend [img]style_emoticons/<#EMO_DIR#>/smile.gif[/img]
Bennetts V Criminal Conviction - geordieguy - 08-10-2010
Stick with it Martin.
There's got to be someone out there with the sense they were born with.
What a load of bollocks !
Bennetts V Criminal Conviction - Lagotete - 08-10-2010
<!--quoteo(post=180414:date=Fri 8th Oct 2010, 10:55 AM:name=Geordie Guy)-->QUOTE(Geordie Guy @ Fri 8th Oct 2010, 10:55 AM) <{POST_SNAPBACK}><!--quotec-->Stick with it Martin.
<!--coloro:#FF0000--><!--/coloro-->There's got to be someone out there with the sense they were born with.<!--colorc-->
<!--/colorc-->
What a load of bollocks !<!--QuoteEnd--><!--QuoteEEnd-->
I wouldn't bet on that [img]style_emoticons/<#EMO_DIR#>/mellow.gif[/img]
That really sucks.
I don't understand why it is a problem for car insurance and not for your bike...or have I missed something?
Best approach appears to be to wait for the end of the 5years. Going to a specialist insurer now may ring the alarm bell to all others next time you want to renew insurance and they check your recent records!
Take care.
Bennetts V Criminal Conviction - jht - 08-10-2010
<!--quoteo(post=180421:date=Fri 8th Oct 2010, 12:31 PM:name=Fernihough)-->QUOTE(Fernihough @ Fri 8th Oct 2010, 12:31 PM) <{POST_SNAPBACK}><!--quotec-->I wouldn't bet on that [img]style_emoticons/<#EMO_DIR#>/mellow.gif[/img]
That really sucks.
I don't understand why it is a problem for car insurance and not for your bike...or have I missed something?
Best approach appears to be to wait for the end of the 5years. <!--coloro:#FF0000--><!--/coloro-->Unless I be missing something, you're asking Cats to go bikeless till Nov 2011??? I dunno whether to laugh or cry at that suggestion!! <!--colorc-->
<!--/colorc-->Going to a specialist insurer now may ring the alarm bell to all others next time you want to renew insurance and they check your recent records!
Take care.<!--QuoteEnd--><!--QuoteEEnd-->
Given some recent telephone conversations with my solicitors, I now genuinely have trouble seeing the point in insurance.
Yup me Cats me ol' chum, looks like you I'd have go more satisfaction and recompense if I'd 'popped' round and torched the bassads car or in eye-for-eye fashion knobbled his leg...
Bennetts V Criminal Conviction - catsbum - 08-10-2010
Call from broker this morning stating that no one will touch me.
Could be the white niner is up for sale too then.
Had enough and cant be arsed with it all
Bennetts V Criminal Conviction - Lagotete - 08-10-2010
Sorry, I thought Catsbum had problem insuring a car but was safe with his bike insurance. If it is both, it is a f###king different story.The same sort of problem happended to me 18 years ago and I went begging my employer to lend me a car for 18months...to go through bad time and get out of sight of insurers until the end of "quarantine"a<!--quoteo(post=180433:date=Fri 8th Oct 2010, 02:09 PM:name=CatsBum)-->QUOTE(CatsBum @ Fri 8th Oct 2010, 02:09 PM) <{POST_SNAPBACK}><!--quotec-->Call from broker this morning stating that no one will touch me.Could be the white niner is up fCor sale too then. Had enough and cant be arsed with it all<!--QuoteEnd--><!--QuoteEEnd-->so so sorry CatsB...and then they wonder why there are so many uninsured on the road!
Bennetts V Criminal Conviction - Studley Ramrod - 08-10-2010
<!--quoteo(post=180433:date=Fri 8th Oct 2010, 02:09 PM:name=CatsBum)-->QUOTE(CatsBum @ Fri 8th Oct 2010, 02:09 PM) <{POST_SNAPBACK}><!--quotec-->Call from broker this morning stating that no one will touch me.
Could be the white niner is up for sale too then.
Had enough and cant be arsed with it all<!--QuoteEnd--><!--QuoteEEnd-->
Nope, I won't have any of that defeatist talk, pull yerself together man ! what ya gonna do, buy a ferkin' moped ?
Your talking about changing yer way o life ffs. Being Tony's Wingman an all that ! Imagine how you'd feel if he rode past with his new wingman !
Polishing ! Calendarin', spontaneous farkle purchases ! and selling 'em cheap soon after [img]style_emoticons/<#EMO_DIR#>/smile.gif[/img] Not to mention the fettling fun and eating curry wi chris.....
Bennetts V Criminal Conviction - Guest - 08-10-2010
Have you considered going through, for example, confused.com and no mentioning the conviction? Lets say a friend of mine did this with a speeding conviction, they never even ask to see your licence, pay on-line and sign and return the paperwork when it arrives. Also he forgot to mention that he covers 30000 miles per year and saved £50 on the premium.
I know it's bending the rules but....
If anything comes of it, you could always say it was so long ago that you forgot all about it.
Don't give up Cats, we'll find a solution.
Bennetts V Criminal Conviction - Daveb - 08-10-2010
Contact Watchdog, explain in details what's happened see if Anne Robinson can help.
Bennetts V Criminal Conviction - allanmac - 08-10-2010
Thats unreal. Glad i noticed this post was going to take a policy out with them gone with swinton instead.
Hope you get it sorted.
Cheers Allan