Cheap Car Insurance Could Land You In Jail! or Banned for Life!
LONDON - UK
Car Insurance comparison website Car-Insurance.tv is warning drivers to be very careful when applying for cheap car insurance.......
Car Insurance Fraud has been on the rise in the UK for the last few years.
One could argue disproportionately due to the influx of Eastern European criminal gangs staging road accidents, however the current recession has seen suspected cases of car insurance fraud rise to unprecedented levels, sometimes in very unusual areas.
One worrying factor is the trend to obtain cheap car insurance by 'lying' on the online proposal form or over the phone. Much cheaper car insurance premiums can be obtained by those who lie, omit, or deliberately falsely declare information when applying for cover.
Insurance Blogger has even seen some websites encouraging this type of behaviour!
The savvy public looking to save a few pounds will bend the truth to obtain cheaper premiums as a recent case that appeared before Bridlington Magistrates in Yorkshire demonstrates..
A driver of green Ford Fiesta, a Mr Pears aged 24 of Bridlington was found to have been behind the wheel of his car without valid business insurance and was using the vehicle for business purposes without the appropriate insurance cover in place.
The court heard that when police routinely stopped the vehicle, they noticed that
Pears had a number of insulated pizza bags on the front passenger seat. He explained he had just begun working as a pizza delivery driver on a trial basis that day.
Although he was able to produce a valid insurance policy for the car, a quick search of the Motor Insurance Database by the police officers at the scene revealed that the policy had a usage type of SDP and only covered him for social, domestic and pleasure use of the car and excluded business use, the bench heard.
Pears was fined £525 and had his driving licence endorsed with six penalty points.
Costs of £40 and a £15 victim surcharge were also imposed.
What this goes to show is that if you are caught.. and you will be! Your car insurance for the future will never be Cheap!
Indeed you may not even be able to get cover again once you have commited Insurance Fraud!
It could amount to a lifetime Driving Ban!
Cheap car insurance can be obtained legally by comparing car insurance quotes from many suppliers and by answering the questions truthfully, on one form.
Labels: car insurance, car insurance fraud, cheap car insurance, cheap motor insurance, cover, insurance fraud, Motor Insurance DataBase
Mis-Sold Payment Protection Insurance? Claim It Back Now!
Have You Been Mis-Sold Payment Protection Insurance?
If you took out a loan, mortgage or credit card from a bank or building society in the UK the chances are that you were mis-sold payment protection insurance or PPI as it is often known. The law has now changed and it is possible to reclaim all your payments in full plus in some cases, damages, usually at no cost to yourself through a so called no win no fee agreement..
The types of policies that were mis-sold were
mortgage protection, loan payment protection insurance, Credit card insurance and in some cases and
income protection.
Whether you qualify to claim depends very much upon when you were mis-sold the policy. The new law only covers payment protection insurance policies sold after January 2005. However, many lawyers will pursue on you behalf policies sold before the cut off date, and in many cases recover your payments. there are numerous no-win no-fee law firms starting up to pursue these errant banks and lenders through the UK courts in what has become a multi-billion dollar business.
The good news for the claimant is that these law firms handle everything for you and the only contribution you have to make is confirming the mis-selling took place and banking the check.
You are eligible to claim through the UK courts against a lender who mis-sold you payment protection insurance if you can satisfy any one of the following 13 conditions.
1. The PPI was added without your express agreement or knowledge.
2. The sales staff or person selling the mortgage or loan insurance was coercive, pushy and strongly advised you to take out the PPI cover.
3. You were told you had to take the payment insurance.
4. You were told you could not get the mortgage without MPPI.
5. You were told you could not get the loan without loan payment protection insurance.
6. The cover you were offered was included in the loan or mortgage
7. You knew you were soon to be unemployed.
8. You were self-employed when the payment protection was sold to you.
9. You were retired or over the age limit for PPi cover which is usually 65.
10. You were not asked about any pre-existing medical conditions that you may have suffered from.
11. You were not told that pre-existing medical conditions could affect your insurance cover.
12. You were not informed that the UK's two largest problems for time of work, namely stress and back problems were excluded from the insurance/ or you informed the lenders staff about your medical condition but was not warned that this would affect the protection insurance cover in the event of a claim.
13. You were not asked if you already had any existing mortgage protection or loan insurance in place elsewhere or employer benefits that would cover my repayments.
If any of the above instances apply to you , you have probably been mis-sold payment protection cover and need to contact a solicitor or specialist lawyer who will claim on your behalf. Act now as there may well be additional time limitations put in place as the number of claims rises.
To learn more about
mortgage protection insurance and how to make a successful claim visit Personal Accident plc.
For the latest news of the cheapest
payment protection insurance available from independent UK suppliers visit the Payment Protection Insurance News website run by specialist provider Burgesses.com.
Insurance Blogger would like to thank Dave for the original Article Source:
http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Have-You-Been-Mis-Sold-Payment-Protection-Insurance?&id=2417542Labels: claims, cover, income payment protection insurance, income protection, loan protection insurance, loans, mortgage, mortgage payment protection, mortgage protection, mppi, PPI
