[bumpkin]

I was joking..

I know that.
I was commenting on the one minute lag between the two policies.
It seems strange.

I assumed Lester was using Poetic license 

No our policies state that they run out at 2359h on a date.  Ours also start at 0000h, so on paper we have a minute of non-insurance.

It is 2359 until 2359:59 when it becomes 0000 so I think legally we are OK

[eye30]

I was commenting on the one minute lag between the two policies.
It seems strange.

Just looked out last years certificate and compared to current certificate.
 
The old one expired at 23:59 and the new/continous one has a start time of 00:01.

I've often wondered what would be the legal position if you had an accident dead on 12 midnight.

[eye30]

Just been reading the new policy booklet with my renewal. 

Under Basis of Settlement - Repairs - it states:
we may use parts or accessories which aren't made or supplied by your car's manufacturer but are of similar type and quality to the parts and accessories we are replacing.
 
Checked the booklet from last year and this paragraph wasn't in.  So they have included it from this year.

[Mad Dog]

So who are you with pls eye30?

[diablo]

My Prudential cover booklet says -

Non-Manufacturers parts
  If Your Car is three years old or more,
We may decide to repair it with parts
which have not been made by the Car’s
manufacturer, but are of a similar standard.

Same clause was in the policy two years ago.

[bumpkin]

That's a pretty nasty clause if you have a 5 year warranty, I would be tempted to check it!!!

[Asterix]

My Prudential cover booklet says -

Non-Manufacturers parts
  If Your Car is three years old or more,
We may decide to repair it with parts
which have not been made by the Car’s
manufacturer, but are of a similar standard.

Same clause was in the policy two years ago.

This is not an unusual clause in Danish insurance policies, but don't know if it could cause some problems with the warranty. 

[Mad Dog]

Presumably this is the type of occasion where Hyundai First would hope to make a difference ... ?

Non-Manufacturers parts
  If Your Car is three years old or more,
We may decide to repair it with parts
which have not been made by the Car’s
manufacturer, but are of a similar standard.

[eye30]

So who are you with pls eye30?

Frizzells

[neptune]

I was commenting on the one minute lag between the two policies.
It seems strange.

Just looked out last years certificate and compared to current certificate.
 
The old one expired at 23:59 and the new/continous one has a start time of 00:01.

I've often wondered what would be the legal position if you had an accident dead on 12 midnight.

This time comes from the military time in the 24hr clock....that no time exist between 0000 and 0001....so if you were going to do anything bad...that is the time to do it.......but as for a car accident....I would change the time to the 12hr clock

[baroudeur]

I was commenting on the one minute lag between the two policies.

Isn't it two minutes?

There is no 00.00  or 24.00 so the old  policy expires at 23.59 and the new one starts at 00.01

[Mad Dog]

Yikes - just been reading my Insurance terms for a separate thread and came across this -

EXCESS - The amount you must pay towards any claim for damage to or loss of your car. You are responsible for the excess even if the incident is not your fault.

Is that normal? I must admit I thought you only paid the excess when "At fault".

[Dazzler]

Yikes - just been reading my Insurance terms for a separate thread and came across this -

EXCESS - The amount you must pay towards any claim for damage to or loss of your car. You are responsible for the excess even if the incident is not your fault.

Is that normal? I must admit I thought you only paid the excess when "At fault".

 

[AlanHo]

My understanding is that if you are not at fault and this is admitted by the third party - your insurer will try and get the excess you have paid recovered from the third party insurer. I have no idea whether this works though.

[bumpkin]

 

[eye30]

I've not paid anything towards the repairs in my recent accident.

I was the 3rd party and non fault