Insurance Company Could Pay OVER £1,000,000 After Consumer Show Victory | Joe Lycett's Got Your Back

An insurance company may have to pay over £1,000,000 after Joe Lycett achieves one of the biggest victories on a consumer show!
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#JoeLycett #JoeLycettGotYourBack #Channel4 #All4

[@Channel4Entertainment]

Watch more here: bit.ly/2RNgddB

[@TheOriginalDeckBoy]

Joe Lycett is The Boss.. Love a good Joeing

[@Keepingitrespectfulmostly.]

Forensic mechanic, what a cool job to have. 9:23 pwhoar.

[@cancer_sucks]

followed link and instantly spammed, poor show

[@seancloser]

Love this show.. Can u keep making it forever?

[@TrueHelpTV]

key word.. registration is voluntary..

[@briarkennedy6063]

"Hello, I've had an AXAdent"

[@Tom-tb5vz]

Briar Kennedy and I think I’m entitled to some compensation

[@zapkvr]

I know. I love that

[@alis3618]

This made me laugh more than it should have done

[@tesfuweldemikael2902]

Ohhhh...

[@JustAnotherPerson4U]

Excuse me? But shouldn't this be 'Hugo Boss has got your back'? This guy is Hugo Boss.

[@JustAnotherPerson4U]

@@millie6828 awww ☹ But he's Hugo Boss. Legally and spiritually. Although his spirit animal is a walrus...

[@trappedsound]

@@millie6828 Actually, if you check his Twitter, he changed it before the episode aired. He said he didn't want to associate this big win with Hugo Boss (the clothing company).

[@JustAnotherPerson4U]

@@trappedsound oh ok. In fairness I don't do twitter so that's why I didn't know he changed it back.

[@PuddsThePuncake]

If it helps, his last statement as Hugo Boss was, "Hugo Boss has a smelly bum bum".

[@Xighor]

He changed it back but i dont think he had to, legally he could be called Hugo Boss and keep Joe Lycett as a stage name Tons of celebrities use a fake name

[@treehugers1000]

We could really use this guy in the US. I’d love for him to go after the shady practices of our ISPs

[@satyasyasatyasya5746]

Last Week Tonight with John Oliver may be the show for you, then haha

[@ashton2507]

No! He's our's

[@treehugers1000]

Satyasya Satyasya I’m a fan of his as well.

[@jacobarmstrong9173]

Or anything crooks in the US really...

[@EuroGuy85]

Treehuger, the US has lemon laws. It’s very easy in a litigious society to get a class action suit going on if you find out your insurance company is doing something like this. And Rob Wolchek (FOX2 Detroit) is pretty close to this guy in the US.

[@mrg2852]

Hugo has been doing an amazing job promoting his brand recently.

[@Joe-fe4xi]

Mr G He changed his name back

[@F_I_J_I_W_A_T_E_R]

He changed his name back SPECIFICALLY to stop Hugo Boss (the company) gaining anything

[@FigmentSALabel]

@@F_I_J_I_W_A_T_E_R Gaining Anything?

[@F_I_J_I_W_A_T_E_R]

@@FigmentSALabel Turns out if you name yourself after a brand, it makes more people aware of the brand.

[@emmaeismontaite9406]

Joe could make a brick in a wall entertaining, love him.

[@davehumphries]

He changed his name back

[@DarthAxolotl]

Pink floyd already did that

[@nikiTricoteuse]

Outstanding work. I do feel it should actually be an offence to NOT log them though, aspecially as like Joe says they can't be properly repaired and make a profit. Selling potentially dangerous, overpriced cars really is criminal.

[@retrocomputinggrotto]

Whenever someone messes up and they dont want to lose their job they blame an IT System - what a load of bollox :(

[@vink6163]

One interesting thing about working in IT is you have the confidence to call them on it - "how did you identify it was an IT problem? Was it a broken SQL query? Did you have to go through the app server logs? Did you patch the code in-house or was it a vendor fix?" It's amazing how quickly the excuses come out and how they can't pass your questions on to an actual IT person who might reveal the whole thing was made up

[@macklinillustration]

The effort that went into making a hidden trap door in the desk just for the lame party blower joke, I salute you.

[@mugu007]

He uses that trap door for a bunch of other gags on this series.

[@xaoccc9616]

This happened to my mums car. She was told her car was to be written off. A year later while driving around in our new car we see the old car driving round... it was pretty obvious as it was bright orange and had the same number plate.

[@Nick_G7IZR]

"Data Protection means we can't contact new owners"?? Yes you can, the new owner is the owner of the car and has a right to know. Sure, don't release the details of the previous owners to the new owner, but the new owner should be written to and written to immediately. You have a duty of care as someone could be driving a death trap!

[@Nick_G7IZR]

@purplerains I did Data Protection for 19 years. Safety always takes precedance over Data Protection and just like the DVLA will release a keepers details to every 2-bit crook parking company for £2 a go, they will release the info to insurers in order to allow them to contact the new keeper and warn them of the potential death-trap they have bought. What I'd be frightened of is being sued by the new keeper once they find out what they've purchased! Not that I'm suggesting that is the real reason behind their reluctance...

[@Filtertipboom]

I don't buy it either. If a 2nh hand car gets a saftey recall from the manufacturer they write to the current owner so it they are able to do that AXA can write to current owners of every car they have listed

[@dan123collins]

If a parking company can get your details from the DVLA to fine you, I would like to think AXA could get the owners details to inform them. But this would mean actually paying money out which clearly they are trying to avoid. Well done Joe for getting them to at least fix the bug.

[@curtistilbo]

@@Nick_G7IZR the issue is that there isn't safety concerns as MOT's have been passed. the only concern is a money one.

[@NoJusticeNoPeace]

When Bic discovered their lighters were death-traps because of a design flaw which allowed the hot flint to fall down into the fuel and explode, their beancounters calculated that paying claims would be marginally cheaper than recalling all their lighters and fixing the problem, so they did nothing. They knowingly allowed their lighters to explode.

[@THEMrFill]

I like the way Channel 4's YT cut away from the URL and don't mention that it costs to get that check done... well done C4 for covering stuff up, quick, get Hugo Boss on the case!!!

[@vagabondwastrel2361]

The problem with this whole thing is voluntary. What should happen is disclosure before sale. The website seems unnecessary when a small claims court or arbitration would work just as well with less cost to the public.

[@flint3645]

Issue is theres actually no legal obligation to advise this at the point of sale, its up to the buyer to research this themselves. If its not being recorded then the buyer wouldnt find out

[@vagabondwastrel2361]

@flint364 that is kinda the point with me saying the problem is the word "voluntary". If they wrote a law that problems with the vehicle must be disclosed and give some sort of award based on court costs plus a multiplier of money spent on the vehicle with even higher awards if there is an injury related to the undisclosed damage. I loath insurance companies and government bureaucracies. A great example is that the epa rarely does anything good. That entire alphabet department could be replaced by a legal fund of arbitration where people sue companies/land owners for property damage due to environmental damage. Or the bigger one in America is the IRS. If we removed all of the deductions and subsidies. Then lowered the tax rates we would earn more money in taxes with less overhead of a government department nobody likes.

[@akitakipper]

It is illegal however to not disclose any crashes or anything that may place the new owner in danger

[@flint3645]

@@akitakipper Not nessercarily. Thats only the case if the vehicle is not deemed road legal. If you advertise a vehicle thats not road legal as being legal, then yes you're right. If the vehicle is road legal though, then no, they dont have to state any accidents/write offs unless they are directly asked by the buyer. If the seller lies at that point, then its misrepresentation and you can start a civil case for that. The issue is most of the vehicles being sold off again are Cat Ns meaning theres no structural damage to the vehicle, but the repair cost is more the 60% of the vehicles value. If theres no structural damage, then more often or not the vehicle would be road legal after repairs and doing the minimum allows the insurer to repair for the cheapest price and resell the recover as much as possibe

[@zacharywissinger3996]

They should have to buy back all of those cars for the prices they were sold for and be fully liable for any malfunctions/accidents caused by improper repairs. Buying a reconstructed vehicle is fine if it was repaired properly, inspected, and disclosure before the sell. You could be driving a death-trap.

[@curtistilbo]

the MOT's were passed so no safety concerns

[@PaperbackPlanes]

@@curtistilbo that's not really fair to conclude. My mother's car is held together by nothing more than hope and cobwebs and yet it's passed it's last 3 MOT's. It overheated on the way back from one of them too. MOT's may be dodgy, so if you bought the car with an existing MOT, you still can't be 100% sure it's safe.

[@brynleyarcher5616]

@@PaperbackPlanes Mothers car is held together by nothing more than hope and cobwebs. And you still let her drive it? Bet you have a life insurance policy on her LOL

[@beeble2003]

@@brynleyarcher5616 Last I checked, people didn't need their children's permission to drive a car. Sure, you can encourage your mother not to drive a particular car but if she's unwilling or unable to replace it, that's pretty much the end of it.

[@brynleyarcher5616]

@@beeble2003 3 months old post and if you want to let your demented mother drive a dangerous car then, tbh, shed be better off without a licence and in a carehome being looked after by someone who actually cares.

[@ScoutSitra]

Joe Lycett is such a legend *name edit*

[@Joe-fe4xi]

Malin söderström Joe Lycett* He changed his name back

[@ScoutSitra]

@@Joe-fe4xi thanks I wasn't aware

[@RichManSCTV0]

Who??

[@ScoutSitra]

@@RichManSCTV0 he changed it back

[@MikeyG0201]

Why is there someone under Joe's desk, oh suit you sir, suit you!!

[@tinachristine4573]

Haha! Thank you for this comedy history gem.

[@Hundeputzmunter]

"Data protection means that we can't contact the new owners" - I can confirm that statement is nonsense. What they actually mean is: we can't be bothered to put in the effort required in order to contact the new owners.

[@beeble2003]

It's not laziness: it's a _huge_ financial incentive. If they contact the new owners and say "Hey, would you like 600 quid?", I'm pretty sure all of them will say, "Yes, please". If they instead require the new owner to be aware of the problem and initiate the process themself, I'd be very, very surprised if even 10% of the payouts were claimed.

[@tkralva.6668]

How would you know if your car has been affected? Basically, saying that that they won't contact the new owners of affected cars is basically saying we have found a loophole to get away with it. Now it is up to every person who has visto bought a second hand car in good faith, perhaps having a checked that website, to repeat their due to diligence.

[@pearkore6821]

I love Mark, and Joe and all the guests. I wish I could watch full episodes in Australia.

[@NatalleeK]

Use a VPN mate. Works like magic

[@PJDuffield]

thank you hugo boss for your hard work

[@Joe-fe4xi]

He changed his name back

[@29jgirl92]

You made me so emotional about a car!! Love you, Debbie!

[@jayryan7473]

How do they come up with these ideas? They're fantastic!

[@georgiabriggs5943]

0.14 seconds in that’s me on the left ........ ffs they could have reduced me bloody oily skin 😂

[@MultiBigbird01]

Nah, you were glowing girl!

[@goodkisser8591]

ChaoticDoll simp

[@georgiabriggs5943]

good kisser what does simp mean 😂😂

[@georgiabriggs5943]

ChaoticDoll let’s petition to get me on the cover of vogue 😂

[@goodkisser8591]

Dave so mANY FUCKIN SIMPS

[@thorium222]

If the Tories get their way with their new police bill, this peaceful protest could land Joe Lycett in prison for ten years.

[@kidcowdy1231]

Trouble is, if a car has been in a accident it dose not have to even go through the insurance company, the owner can repair it and not even report it.

[@robbyrobby]

there's one more thing I think you could have done and that's confirm whether or not they are going to keep their promise of refunding people their price difference and updating that database maybe two things then

[@MuayThaiSabaiSabai]

He is not gonna see your message. He doesn‘t even know if these KZbin videos exist or not.

[@clcnj5365]

“Not been correctly recorded”. Does he mean they were never recorded? There’s a difference. And as it was stated earlier it’s voluntary?

[@cheeseone7656]

looking for this coment. at 1:13 thay say voluntary. making the whole piontless.

[@jeremyashford2145]

Someone at AXA was getting kickbacks for not registering the write offs. Betcha!

[@rizzles1985]

Gotta love a bit of Hugo!!

[@Joe-fe4xi]

Rizzles1985 He changed his name back

[@darkangelholz]

Scarlet reading the wrong part on the card 🤣🤣🤣. She's from my town and went to school with my sister. All I can say is you can take the girl out of Bishop but you can't take Bishop out of the girl! Xxxxx

[@harrisonwagstaff7795]

Anyone else find it slightly creepy that the eyes blink in the background

[@spiruel]

8:07 broke me

[@DevonPixie1991]

“Debbie” is still around - she recently passed her MOT. Although the November 2019 MOT is quite amusing “some front end damaged noted” t

[@alexstorr3357]

That hand appearing was reminiscent of old Vic n bob

[@Mark-ud5og]

Joe, you don’t know me. I just started watching you a few days ago. Just wanted to let you know you are my hero. And a real Boss.

[@scottconnorzzzzz]

😂😂😂 you do realise he doesn’t read these comments, it’s not a direct link to Joe 😂😂

[@ATurtleAteMyTrex]

joe lycett is such a good man

[@stanthemafia]

Lol this guy is funny, defo watching this in full

[@MopyProductions]

1:42 crash sound affect is from the KZbin audio library

[@jblyon2]

This is a big issue in the US too. Not everything reports to the history databases, and even then it doesn't have to be accurate. I got rear ended and had $9400 in damage done to my car. All the repair shop reported was the date, mileage, and "Vehicle Serviced." I traded in the car less than 2 months after getting it back when I could tell water was leaking in when it rained heavily. When you need accident repairs done it's not uncommon to call around until you get a shop that will agree to not report the repair, as it'll negatively impact the value when it comes time for you to sell.

[@lee0001]

£1,000,000 that will be spread evenly amongst all AXA insurance clients.

[@ruqayyahqadri6618]

No shit sherlock...

[@xxxdumbwordstupidnumberxxx4844]

Yes, but AXA is still paying £1,000,000. They still lose £1,000,000. This isn't rocket science.

[@MyName-sx3mr]

Usually they'll just stiff the clients and find an "extra charge" that they should be paying

[@jackdeniston9326]

@@xxxdumbwordstupidnumberxxx4844 Compulsory insurance. Just another police enforced tax.

[@jbin2424]

Well, no. Not at all. It's not every AXA client, it's those affected, the 400 or so on Joe's list. If they're refunding people the same kind of £650 sum give-or-take a few hundred each time then that million covers a little over 1,500 people. Why on earth would they spread it evenly and include unaffected customers?

[@jonahcorker6864]

Did anyone notice that mural or artwork in the back the dude in the middle is blinking, i thought i was mental 😂😂

[@alext2933]

Note NO APOLOGY FROM AXA.

[@jolienvsndijk]

Eh I prefer actions over words. If they really are fixing their mistake (retroactively as well) that's enough.

[@alext2933]

Is the word sorry really that hard to say? It shows regret.

[@jolienvsndijk]

@@alext2933 unfortunately the word 'sorry' can be held against you in court of law in most countries. So any lawyer would recommend that you should never directly apologize in this type of situation.

[@domeatown]

I drove a rebuilt car for a while. One of the nicest cars I've ever owned. Sold it, it got repaired again, still going. So, don't let anything stop you. Just make sure you're paying the right amount!

[@mooselover5]

So I clicked on this video, watched an ad, clicked on another video for a second, came back to this video and had to watch 2 ads. Can Joe fix this next 😂

[@steve8682]

I sold my old car to the scrap yard as the hand brake on it had gone... one year later it rolled up to me at the traffic lights XD

[@ps3dubbs]

The issue is even if a car isn’t written off the condition under the hood of a 2nd hand car may still cause a major financial issue. So tougher laws need to be in place.

[@TheMadTatter]

"definitely been in a front end crash this one" yeah mate, it's a Corsa of course it has 😂

[@rickyanthony]

Meanwhile in my country, there's a place around the corner running a promotion on odometer turn backs. It's in neon pink and they'll clean the dash for free.

[@AT-ez5hr]

Wow, is he twins with the comidean Hugo Boss or something???

[@captainheinie6355]

It may not be the point. But I have had many years of insurance with AXA very happy with them. I am a retired ACCIDENT INVESTIGATION OFFICER. No worries,. Thank you for this video.

[@DoctorVadarWho]

The title should say Hugo Boss Got Your Back

[@arthurmatthews9321]

The problem is not just the insurance company. it’s the fact that anyone can buy a written off car and repair it. I own my own paint shop and I have seen some horrors that some people call a repair. I now will not work on insurance write offs in my garages as I do not want my reputation on such a car. If the government made it law for the standard of the repair to be inspected by vosa before they can be sold it would stop many dangerous cars going back on the road.

[@scunnygal]

I'm so glad I saw this. It means the show is back on!

[@scunnygal]

Josh I don’t watch much tv so hadn’t realised 😂😂

[@IfInDoubt..]

The car was MOT'd when inspected, which it failed, it was never re-tested until the following February, 2,000 miles later.... it's also listed as a Category N, should certainly be a Category S.

[@Spiritofthecimmarron]

You should try doing the same for Diamond/Admiral!

[@thomasphillips8803]

channel 4 do you have some sort of a time machine as I am watching this on 19/04/2020 at 11:02 and your comment is coming up as a day old putting it before the videos upload date.

[@kirkb0t]

Scheduled upload. Also obvious by the lack of social distancing

[@Nigelfarij]

You can't tell when the video was uploaded, just when it was published.

[@jeannieK1117]

PLEASE show the full episode! Channel 4 refuse to allow U.S. access!

[@MrSapperb3]

Good lad Hugo!

[@simonpower6591]

The backdrop is tripy asf

[@KC-us5zg]

I would like to think that Mark- (the man the myth the legend) is not scripted, just naturally sassy

[@berndbrotify]

I was wondering why Joe doesn't stick a bit longer to the pun that miaftr is. Took me a while to notice that "after" doesn't mean the same in English as it does in German. But until then, I had a lot of fun with miaftr

[@ryanwilson2665]

Not quite. If your vehicle is written off the vehicle is comprised of the pre-accident value and the salvage value. Combined is the amount you’ll be offered for the insurance company or the accident management company to own the car. If you want to retain a cat N or S vehicle you can but you will forego the salvage valuation of the vehicle. Cat B and A vehicles that can never go back on the road can be retained by a client but must be taken to a breaking yard of their choice. Remember people you always have the first right of refusal to sell your vehicle to the insurance. That’s my 2p as a claims handler

[@LoluskPoo]

i dont get it. He said that its not compulsory to register cars. So why would they pay anything to consumers? just out of good will?

[@masansr]

It's not compulsory to enter that database, but it is illegal not to inform a buyer that their car has been in a crash or other technical problems you know of.

[@wjredits6796]

Huh, only seeing this now, and that AXA is in my town...

[@pliosaw]

What, Tun Wells?

[@wjredits6796]

@@pliosaw yeah that's the one

[@pliosaw]

@@wjredits6796 Yeh I though I recognised it

[@flux4flux]

Here is Debbie's family tree 🤣👍

[@Girlwithabook.]

Hugo really supporting the people

[@julesd304]

MIAFTR like "My After" 😂

[@RieRiePie]

I think he was saying "my BAFTA"

[@eliasklein9311]

Only funny for German speaking people^^

[@zacharyaspery6591]

My sister literally had the same thing happen to her and she had it checked by aa before buying 🙄

[@johnmunro4952]

So.... This is just "That's life" sans Esther Rantzen? Coolio 😎

[@bobget2960]

What's the song at 7:05?

[@melliferou]

Oh, poor Debbie. Not everything has to be straight! Except for certain mechanical parts

[@nedhourani]

£ instead of $ in Mark’s video, always entertaining.

[@cai_4602]

When you laugh so much you get asked if youre okay

[@free4lifeau]

fantastic!!!!!

[@ellenorbjornsdottir1166]

2:50 Business Blaze?

[@lissyplusrats8287]

Imagine watching this whilst total lossing a vehicle...yeah this is my life now. Also as an insurer, it's a legal requirement to record losses on miaftr

[@thegreatestgeek2598]

2:08 There’s just ten people hiding inside that desk.

[@rollothecat2010]

Poor old Debbie the car. Yeah, for Joe!

[@rblad739]

Hilarious! And great job Joe!but what of Debbie? I fear she’s been sold into some oil sheiks discount harem.

[@mherrmann81687]

Just a note... (learned this a few years back) Hyundai is apparently pronounced like "Sunday", making it "Hun-day" not "Hi-un-die"

[@lloydevans2900]

I thought the definition of a write-off for a car (or anything else insured in a similar way) was that it would cost more to repair it than the current value of the car or the cost of a like-for-like replacement? If that definition is accurate, then nobody should be able to take a written-off car, repair it adequately and then sell it for a price either equal to or greater than the cost of the repairs? If that were possible, then surely the car in question should never have been considered a write-off in the first place, the insurance company should have just had it repaired on behalf of the original owner and then given it back to them once the repairs were complete? It therefore follows that any and every "written off" car which has been "repaired" and then put up for sale is automatically a scam in one of two ways: Either the insurance company flat-out lied to the original owner about it being a write-off, or it was repaired to a sub-standard and potentially dangerous state and should not be for sale at all. If a car genuinely is a write-off, there is only one place it should ever end up - at a breakers yard. I'm surprised that this isn't the more common outcome anyway, since the salvageable parts of a car are usually worth more than its second-hand value, so selling it in pieces should usually be the more profitable option.

[@ianmiller2349]

Epic!!!

[@kylebudd5479]

Generally once a vehicle has be through an MoT and is history checked it’s clear and no need for a lowered price

[@rcaguitars]

Not true, if the vehicle (fully safe now) has another accident then the new insurer will give it a lower valuation as a former cat c. Happened to me.

[@lissyplusrats8287]

Previous losses would show on a history check if miaftr has been updated correctly

[@sorettaray8829]

This begs the question, do y'all in the UK not have your cars inspected by a registered mechanic or similar before buying? It's weird not to do that here in NZ ...

[@madMARTYNmarsh1981]

M.I.A.F.T.R. is not a word.

[@diggatrappy8425]

This guys class.

[@HirenDShah]

Stop calling it MY-AFTR... it is ME-AFTR lol!

[@paul160889]

How much you want to bet that the "compensation" received to those new owners will be a discount on their next/new insurance policy with them rather than a actual payout - double also, I bet that new insurance amount will be inflated by that exact amount of your "discount" due to the car being previously written off so they won't be out of pocket by £1 million

[@beeble2003]

I'm sure he'd have mentioned if the compensation he'd been offered wasn't in cash. They won't be out of pocked by £1M because the car owner has to contact AXA on their own initiative, and only a tiny proportion of them will know to do that.

[@mikebird7161]

Debbie was most likely to be an ex car rental vehicle. Most Vauxhall's with a registration starting DY go to rental fleets.

[@mikebird7161]

Its the same for BMW's and Mini's starting YC on the registration.

[@jacoboleary9076]

Insane that registration of a car as totaled is voluntary in the UK! This goes on the car's title in the US so there's no ambiguity.

[@perranbritton5090]

Feel like this is the new watch dog

[@waterdragon2224]

I love it when Joe goes after bad companies. ❤ Great win on this one Joe! 🎉

[@CraigLondon]

Mohican,Wendy,Gary :D

[@benpebbles4111]

Why is the background drawing blinking.

[@valeriepark9444]

Binging on this show is going to send me into labor, I swear...

[@petertwyman5250]

AXA said they will compensate, not refund. Complaints compensation does not run very high with these companies, my guess is they wouldn't get more than £50 compensation.

[@petew5289]

This bloke is great

[@millieclatworthy701]

Love joe

[@FigmentSALabel]

Nice jacket.

[@stopitnowlol6697]

is it really that hard to replace a radiator?

[@riegancollins3453]

Will channel 4 pay the £10 to check too?