Telling lies & making false claims is NOT how we do things!

[@andrewjones-productions]

Dave and Helen, I applaud your integrity and honesty. In April 2022, someone drove through a red light and hit my car and wrote it off. Contrary to your experience in the UK, the insurance company of the other party tried every trick in the book to get out of paying anything. Fortunately for me, the other party was also a good honest person who admitted to her fault and was very nice throughout. My second piece of luck was that my partner works for a major re-insurance company and therefore understood the technical lingo and could catch any spoken 'fine print' quickly and therefore detect any nonsense. In the end I got what was due to me although I was without a vehicle for more than a month as the courtesy car had been taken off of me after 2 weeks. My timing was lucky. Thanks to the pandemic pushing up the prices of second-hand vehicles (I wanted a new one, but would have had to wait over a year), my 16 year old Pajero was still worth just a bit north of a quarter of the price I paid for it brand new! (🇯🇵 experience)

[@HelenandDave]

Hello Andrew, very useful to have insider knowledge in such circumstances but also to have the integrity of the other party too. Insurance! You sometimes feel like you are trapped between a rock and a hard place! Thanks for watching and best wishes to you, nice to hear from you again. ATB, Helen & Dave

[@tokairic3925]

The problem in the UK is that we have a Highway CODE - its not law and is wide open to interpretation, hence ins co. trying to avoid paying. We should be like Germany and have Road LAW, which is black and white, no discussion.

[@David-ws6zr]

Hi Andrew ,im sorry for your accident but pleased the other party where honest ,we good paying folk pay are premiums on time ,but unfortunately when it comes to a valid claim where made out to feel guilty, horrible position to be in. unfortunately this is the world we now live in. there is no loyalty's with regards insurance or any service, they just want your money and run.

[@helenandmartinsTreks]

Can’t buy integrity David and I wouldn’t have expected anything less from you mate. Good to see Willows again , we haven’t been this year. Thanks for sharing Helen and Martin

[@HelenandDave]

Very kind of you to say so, thanks. You know us, we love the planes! Thanks for watching, best wishes, Helen & Dave

[@stewarta2505]

Dave, all credit to you (as I’d expected) - a real shame many others don’t show the same integrity, false/fraudulent claims impact us all. Shocking behaviour of the insurance company! The Hilux look great, but I agree it wouldn’t be practical for us either. Enjoy your GS 👍

[@HelenandDave]

Thanks very much! Honesty is the best policy and completely agree ref: we all pay the price. Toyota was nice but just not for us. Thanks for watching. ATB, Helen & Dave

[@PoshcatsCamping]

Insurance companies never cease to amaze me. I don’t think I could live with the Toyota Dave, for all the reasons you gave. Good to see you at Willows again. Take care and hope the Kia is back soon 😃👍🏻💙 Trev

[@HelenandDave]

Thanks Trev! it's a mad world hey? Best wishes to you & Sue, hope to catch up soon. Helen & Dave

[@The-Salty-Bager]

This ridiculous behaviour by insurance companies is why all of our insurance premiums are going through the roof. All this cost for a small mark on a wheel. It’s completely ridiculous and has to stop. I also don’t even see how he can claim for whiplash against his own insurance when he’s at fault and caused the accident ? Good on you for your integrity and honesty.

[@HelenandDave]

Thanks Mark, it's completely bonkers isn't it!! We're still in shock (wonder if we can claim for that)? Thanks for watching. ATB Dave & Helen

[@The-Salty-Bager]

@@HelenandDave good luck with it all. On another note I was actually in Mildenhall yesterday

[@annehinch9381]

This awful sorry for you both, seems to be happening all the time. Good on you being honest Dave 👍😃

[@HelenandDave]

Hello Anne, thank you. Honesty is the best policy I reckon (got caught out when I was a kid). Karma will get em lol. Take care, Helen & Dave

[@ginger_monkeey]

Roll cover and compartment dividers in the rear and the pickup is way more versatile than a standard car. Not overly expensive options either.

[@HelenandDave]

That’s what’s needed for sure. Payload, towing capacity and looks are certainly not in question. It depends how you view versatility though. This beast is heavy, big (takes up two car parking spaces) and the turning circle is huge. All that said, must agree it has its advantages too 👍 Thanks for watching. ATB, Helen & Dave 👍

[@SamPegg84]

So a colleague of mine decided to play bumper cars in our car park. Hit my car whilst reversing into a space. Both company cars. We have an accident repair company next to us. They estimated the repair to both vehicles to be in excess of 6k for something that a smaller body repair centre has repaired for less than 1k. No doubt they just wanted to generate a parts list and an invoice, then return the parts. With regards the pickup, I totally get they are not for everyone. But I tow with a SsangYong Musso pickup. For me it works very well. Fuel consumption doesn’t bother me as it’s a company car so it’s my only expense. With two kids the space in the pickup bed is very useful indeed, though as you said you do really need a hard top or tonneau cover to make the space useful. It also tows extremely well.

[@HelenandDave]

Hi Sam, many thanks for watching and sharing your own insight. It’s a joke isn’t it! Rip off Britain. Yeah the pick up tows with ease must agree and think a top or cover is a must. Thanks again, Helen & Dave 👍

[@paulandsarahcaravanlife]

Hi Helen and Dave. Insurance companies are unbelievable, and they take a liberty when it comes to claims. I was thinking about changing the kia for a pick up and now I will think long and hard about this. Its good to know how you've got on with it. Tha ls for sharing Paul and Sarah

[@HelenandDave]

Hi Paul & Sarah, lovely looking motor but not for us. I edited out our hideous attempts of getting in and out of it. Getting in your lorry would be easier Paul (maybe not). ATB, Dave & Helen

[@anthonyclark725]

I have the same car but mine has a hardtop canopy and it’s an amazing vehicle. So versatile and being a Toyota it’s bombproof. My brother has a Kia Sportage and my Hilux knocks spots off it in every category. I’ve owned many cars in my time including a top of the line Range Rover but my Hilux is by far the best vehicle. I don’t drive fast these days so I get good returns on miles per gallon from it in Eco mode. On the subject however of insurance I totally agree with you. Insurance is the biggest legal scam going and good for you for having integrity. I applaud that and I would have done the same myself.

[@HelenandDave]

Hello Anthony, apologies for the delay in getting back to you but we are away at the moment. Like I said in the video. It’s a great car but it just doesn’t suit us and our needs. The insurance situation really is a joke isn’t it!! Appreciate you watching and leaving a comment. Thanks, Helen & Dave 👍

[@HepcatHarley]

I nearly bought a Ford Ranger Raptor pick up but was told they aren't very good to drive. Glad I opted for a Volvo XC60 Inscription Pro D5 Auto, fabulous car and a great one for towing, especially with the airbag suspension. Really fancy a stay at that site :)

[@HelenandDave]

These truck type vehicles look really nice but they don't suit everyone. Getting in it was also a bit of a chore, despite my youthful physique lol. Had a Volvo (XC60) for a few years, nice car! The Willows is a lot of fun, good atmosphere amongst the campers there. Cheers, Helen & Dave

[@DaveEdwards-d2b]

Hi This is jan n dave, first time ive ever done any thing like this,we are not very technicle,totaly agreewith your comments about insurance in your last video.We,ve seen evrery video its brilliant ,keep up the good work,Webeen caravaners for 33 years love it.

[@HelenandDave]

Hi Jan & Dave, thanks very much for taking the time to watch and indeed leave a comment. WOW!!!! 33 years of caravanning is just amazing. Like us, you must really enjoy your trips away. Insurance companies just never stop amazing us!! Feel free to comment on any of our videos at anytime, it will be great to hear from you. Cheers, Helen & Dave

[@ianlloyd1182]

Goodonya from Australia Dave and Helen, honesty and integrity are sadly lacking in many instances in the UK, here in Australia and elsewhere. We have lots of Utes in Oz, a lot of people need the towing and payload capacity. Over here many Utes have canopies on the back so plenty of storage. Enjoy your travels and stay safe.

[@HelenandDave]

Hi Ian, great to hear from you all the way from Australia. Yes, we know how popular these vehicles are down under and given the size of some of the caravans and the outback type touring you do over there, they are just the sort of tow vehicle you need. Deffo need a canopy to get the best out of them unless you’re a farmer or tradesman. Nice looking vehicles just not for us. Best wishes to you Ian and thanks very much indeed for watching. ATB, Helen & Dave 👍

[@tazfarr]

Totally agree mate. Somebody bumped into my wife’s car in a car park. We tracked down the offender who had driven off. Went through the insurance because they had driven off, but insurance company tried to get us to claim for whiplash even though no one was in car at time of accident. We didn’t claim obviously. It’s no wonder insurance prices have gone through the roof!

[@HelenandDave]

Thanks for watching, it just beggers belief that these companies are trying to get us to make false claims. It's a joke!. All the best and thanks again, Helen & Dave

[@alancameron8393]

Regarding a pickup for a tow car, all you'd need is a canopy on the back and you'd have loads of room for everything you need and probably have less stored in the caravan

[@HelenandDave]

Hi Alan, just agree, there's plenty of room in the back of these things, obviously this was just a hire car for us and didn't have a canopy. Nice vehicle, very powerful but not for us I'm afraid. Thanks for watching and all the best. Helen & Dave

[@vincepeacham7292]

100% getting the canopy is a game changer, I've commented above.

[@m1cxf]

Sorry to hear of your problems. I have an incredibly strong dislike of insurance companies, my favourite line when looking to renew is to ask for a quote that is cheaper than the fine for not having insurance! As a quick footnote, ask your insurer if they are still covering you even though they have supplied you with a vehicle not fit for purpose. I think you will find the towball is not compatible with your alko hitch. There is a version of it that is though but the ball neck is taller. Excellent presentation as usual.

[@HelenandDave]

Hi Trevor, thanks for watching and leaving a comment, hadn't considered the hitch situation, will check that out. ATB, Helen & Dave

[@m1cxf]

Hi Dave, The standard version is part nuber DB202014 and the compatible is DB202116. Stay safe out there. Trevor @@HelenandDave

[@reepham39]

We have a L200 pickup truck, the third in a row. It has a hardtop but the easy way to carry shopping etc is to place it in plastic trays in the tub as it’s known. Cheers

[@HelenandDave]

Hi Phillip, many thanks for watching. Yes, with a hardtop or cover the Toyota would have been more practical, that's for sure and absolutely no doubting the towing ability of this and other trucks. Obviously this was a hire vehicle which we thought we may only have for a few days and so far it's been two weeks so we were not equipped with the boxes you describe etc. The whole experience with the insurers has been a real eye opener for us. Thanks for watching. ATB, Helen & Dave

[@griswald7156]

It would have been nicer with a tonneau cover on the back bed…lovely motor John. I would have bought some big plastic boxes to contain the shopping ,cool box etc..and enjoyed my holiday in that corker..

[@HelenandDave]

Great idea ! Thanks, Helen & Dave

[@robswiseways5697]

I saw the thumbnail and thought “why has Dave bought a pick up”. Gail sat down and said “They’ve never bought that surely”. I drove a Toyota Hilux around 15 years ago at work and from experience, in my opinion found it impractical. You almost need a step ladder to access the centre of the load area. Top marks for honesty though Dave 👍 and an eye opening video. I’ve been driving for 37 years and never claimed, yet insurance continues to rise and it’s become clear now why ! All the best to you both, Rob & Gail 😀

[@HelenandDave]

Hi Rob & Gail, strangely, we've always admired these vehicles from afar so to get one while the Kia was in the bodyshop felt like a little treat, until we got in it (climbed in it). The rest is history, not for us. Yes, the insurances just keep going up don't they. Notice you've uploaded a new one, will be over for a butchers shortly. ATB, Helen & Dave

[@ianjohnson7569]

Hi Dave & Helen. We were given a similar vehicle a few years ago by the insurance company & like you it towed fantastic but the ‘boot’ space was horrendous & this had a cover on it . Try kneeling on the ribbed base when you need to get bags etc from it !! One good point was I was thinking about getting one for work but thankfully decided against it due to the impracticality of it & being so high up at the back aswell! Insurance companies are so bad at pestering you to make a claim!! Still get pestered now 5 years after a major accident! Well done for saying no . Great video again 👍👍

[@HelenandDave]

Thanks for sharing that Ian, interesting to hear and all to familiar. Yes the Toyota looks good but doesn’t work for us. Thanks for watching. Helen and Dave

[@andyclack4578]

Good for you, this is why Insurance costs keep going up, its a right game isnt it

[@HelenandDave]

Hello Andy, afraid so and it seems everyone wants to make a buck out of you, the customer and ultimately it's us that pays. Thanks for watching, ATB, Helen & Dave

[@davefella1890]

I salute your honesty Dave... I agree with absolutely everything you said both about the insurance companies situation and the Toyota... you've done the right things and that's all that counts in the end... similar thing happened to us when our car was reversed into 5 years ago and it won't make your premiums go up through a no fault accident contrary to what's been said... anyway cheers for another great video... Dave and Jane 👍

[@HelenandDave]

Hi Dave & Jane, thank you so much for your comment, especially the last bit about premium increase as we were starting to get a bit worried about that. Honesty is the best policy, I learned that when I was a kid! ATB to you and thanks for watching. Helen & Dave

[@HitchUpAndTow]

I was so surprised what your insurance company said, that I sat bolt upright throwing my head back giving myself whiplash, who should I claim from 🤣

[@HelenandDave]

Ha Ha Mark, you could be up for a 4 figure sum old boy lol. Thanks for watching. Helen & Dave

[@Lizzard-t]

I had exactly the same with the insurance company my van was with.i was hit from behind.police were involved.exchanged insurance details. And a couple of weeks later.i get a phone call from my insurance company.and it was exactly the same strap line.and the offer of £ thousands.if I speak to there claims department solicitor. I in no way had whip lash and none of the other drivers seemed to be complaining of that . They must be getting a back händer .also hire car charges . I think I once watched a video on Jay emm Chanel about a chap with a Porsche and the cost of the hire car charges.that Toyota you have that's more like a commercial vehicle. Fantastic video.thank you.

[@HelenandDave]

Thanks very much for watching and taking the time to share your own experience via this comment. It seems it echoes so many others experiences also shared on this thread. You're right,, back handers all round and it's a racket. ATB, Helen & Dave

[@tommoran5448]

Completely agree. We had a similar situation a few years ago and were inundated with calls from companies pushing us to make a claim. Like you we refused to do so. Well done you. On the case of the Hilux. Yes lovely car but for us it would be impractical. Travelling Robert gets away with it because the parking spaces in the States are so much bigger. We have an Eccles Sport 554 towed with a Santa Fe. Back from a summer trip down to Croatia. No problems.

[@HelenandDave]

Hi there Tom, yes from your experience and others we've seen it seems this is pretty much the way of the world these days. Must say, the Hyunai looks a nice motor too. Hope you enjoyed the Croatia tour. ATB, Helen & Dave

[@JohnGatt-l4m]

I had a similar experience recently. A minor prang in a car park, car that hit me doing only about 2 M.P.H, I was stationary by the way, scuff around the wheel arch and a bit of paint off the centre of the alloy wheel. Thought like you, don't see why I should be out of pocket, car had slight damage and it would not T Cut out so reported to my insurance company. Took it for repair assessment and all was good, damage noted and date fixed for repair to be done. Next thing is I get a call from my insurance saying the car was "unsafe to drive because of damage to the wheel", which was ridiculous and the repair assessor definitely did not say that, if that was unsafe I would guess 90% of all cars on the road with alloy wheels would be unsafe, kerbing, loss of paint, etc. I challenged this and they backed down, I was an aero engineer for 30 years so I have a good idea what is safe, no further comments from them. Took the car in for repair and they had it for about 10 days, hire car obviously, did not see why I should be inconvenienced and I do pay extra for "like for like car replacement", I thought it should have been 2- 3 days but hey ho. The point is, that insurance companies are trying to drive up cost of repairs through use of hire cars, no the wonder insurance premiums are going up in the UK. Incidentally a vlogger I follow " the electric Viking" advises these steep increase in insurance premiums is a UK only issue, not seen in the USA or Australia. To my mind the insurance companies need to be investigated, there is something fundamentally wrong and possibly illegal about the way they are operating.

[@HelenandDave]

Hi John, a very similar experience indeed and we must agree with you, the insurance companies and associated businesses seem to be getting away with this racket and something really does need to be done about it. Thanks for watching and sharing your own experiences. ATB, Helen & Dave

[@anthonyclark725]

Absolutely agree. I’ve been saying this for some time now. The government need to investigate the insurance companies and regulate them. We are all being ripped off…..legally!

[@Stramash.]

As others have said Dave, kudos to you and Helen for not being tempted into what is essentially a fraudulent claim. To be honest, these things really p*** me off. Like you, I've been driving 40+ years. No accidents and no claims but an ever increasing premium. On a lighter note. I have been looking at a new tow car lately but a pickup is definitely out of the question. Unless of course you fancy one of those awful fifth-wheel thingamabobs. I'm guessing not 😆👍

[@HelenandDave]

In the case of a 5th wheel, then it would need to be a pick up, you're right. I have looked inside a few 5th wheels, very nice but also pretty impractical for our roads and camp sites. The whole insurance industry it now seems to me is corrupt. Thanks again, Helen & Dave

[@vincepeacham7292]

😊I've just traded my Kia sportage in, which I have had from new. Looked at getting a pick up, cut a long story short, we plumped for a Nissan navara. I knew that I would need a cover for the back, which tbh was a bit of a mistake on your part, given how accommodating your insurance company was with your other requirements. I had arranged to test drive one, with a pull over cover, if I liked it would buy it. However after research, I discovered the pull over covers were not fully water proof. I also realised that, with the cover over and secured, the extra fridge we take would not fit under. I did not really want one of the full hard top types, feeling they looked a little industrial. Found one with a more sporty look and bought it. Its definitely the best thing we've done. With the hard cover, the space we have is cavernous, don't know I'm towing, it has a 12v socket and light in it absolutely brilliant for us. The key is research what you need/want, go for practicality, within your budget, rather than looks. We think its Brill.❤

[@vincepeacham7292]

Just forgot to say, they are heavier on juice without a doubt, and more difficult to find a decent parking bag, however most supermarkets have places where there is a grassed area behind the bay, I just use those and back the wheels up to the kerb and it's fine. Also in the comments someone has mentioned about a Volvo cx60 having air bag suspension 😘, any navara built after 2018 has it😊. Sorry to go on but having one with a canopy is a game changer for us

[@HelenandDave]

Hi Vince, good for you, life is all about personal choices and it sounds like you e made the right one for you and your needs. We didn’t know what car we were going to get until it arrived but they did say it would be a 4x4 with a tow bar but we had no say in any preferences or additions. Great car but not for us. Glad you’ve found the one for you. Happy travels, Helen & Dave 👍

[@swdman1234]

We were hit in the back 3 years ago. I have one of the first new Defenders and in the ice a van went in the back of me as I was waiting to turn right. The van lost its front end and minimal damage was done to the Defender, except they couldn’t decide if the deployable tow bar was damaged or not. The car went away for 5 weeks as it was so new there were no spares. I got a replacement RR because there was nothing similar at over £700 a day! Plus, like you the insurance company tried to get me and the better half to claim non existent injuries. In the end I took my car back early but had to sign a disclaimer saying that I wouldn’t tow until the bar had been replaced. No wonder insurance is skyrocketing!

[@HelenandDave]

Thanks for sharing this. I'm amazed by the similar comments to yours that I a getting. It seems lot's of people have also been encouraged to make false claims. £700 a day for a Range Rover WOW!! Lovely cars though, my sister has a new one (gas guzzling). You're right about insurance premiums, they are shocking. Thanks for watching. ATB, Helen & Dave

[@barrywood5357]

The little jet was a phenom used by RAF Cranwell as a taxi cum flying trainer for multi engined jets. the dominie was the predecessor to this type. happy holidays.

[@HelenandDave]

Thanks for clarifying that Barry. I asked my son & grandson but just got a blurred mumble as they were bust taking pics lol. Thanks for watching. ATB, Helen & Dave

[@davidmatthews3093]

I hit a fox late one night and it did a surprising amount of damage to my VW Golf. I got a quote for the repairs. I talked to the insurance agent and he said I would lose one year’s NCB on top of the excess for claiming. I asked if that meant that in a year my insurance premium would return to the same as then and he said no, it wasn’t that straightforward as there were other issues to consider. It turned out that by claiming it would take seven years for my insurance bonus to recover to the point it was at the time of the accident. That worked out at several times the cost of the repairs so I said I would not be claiming. I then went to the body shop to make an appointment. They asked for my insurance details and when I said that it was me who was paying he went back to his computer and came back with a different quote about 30% cheaper than the original. He pointed out that the cost was always less for private customers than insurance customers. I presume in my case the extra £600 or so that the insurance company would have paid out would have been shared between the repairer and the insurance agent. No wonder insurance rates keep on rising.

[@HelenandDave]

Interesting David, I think the word ‘racket’ sums up the whole of the insurance industry! Very much appreciate you sharing your experience, it seems from the hundred of comments on here that many people have had similar experiences. Thanks again, Helen & Dave 👍

[@painterscastle]

We have a Nissan pickup truck with a hardtop over the back so we have loads of space for awning etc we travel with as we have 3 kids on the back seat.

[@HelenandDave]

That’s what we were missing, pretty sure the hard top makes all the difference. Thanks for watching, Helen & Dave 👍

[@stuartrich2499]

I have a Hilux with cover on the back, just got a 23 plate and changed the tow hitch to Alko. Dreading to go to (eventually) an SUV as the back (with cover) is so big!!

[@HelenandDave]

You see a cover makes all difference, your Hilux can be used as intended but the hire car we had without a cover was useless. We've had so much rain and everything in the flat bed would have been ruined. Happy travels and thanks for watching. Helen & Dave

[@bernardthompson1888]

I have a 09 Hilux 3 litre Invincible. I love it, getting nearly 35mpg, goes down to mid to high 20s towing. Mine has a canopy but you could have put a cheap tarp over the load bed would have sorted your load problem.

[@HelenandDave]

Hi Bernard, no faulting its capacity to tow and with a cover of one kind or another it would have been so much better. Thanks very much for watching and all the best. Helen & Dave

[@bernardthompson1888]

No problem, I find your channel very informative and entertaining@@HelenandDave

[@HelenandDave]

@@bernardthompson1888 thanks Bernard 👍 much appreciated

[@bernardthompson1888]

No bother, wish I had the means to have a lovely van and tow car like yours😂 I live in Cork, originally from St.Albans. I have a 2000 Coachman VIP 460/2. My first van, I love it although it has a few problems. Travelled to Newcastle to get it! Got it for attending Irish motorbike road racing so all off grid. Looking to change the Toyota, maybe a Volvo XC60 or 90 or a Mercedes M class of around 2010 vintage. Have been warned off Audi Q7 and BMW X5,very expensive to run. Look forward to more videos@@HelenandDave

[@Julieandysaceventures]

Love your channel for the total honesty you provide, really enjoyed watching as always, having just moved back to a caravan from motorhoming we were considering a change of tow car from our Ford Kuga and were thinking of something like the Helix but taking on board what you say maybe it is not so practical, Maybe we will keep towing with the Kuga for a little longer til we really do know what we want. It is terrible that the insurance companies are pressuring people into making false claims which is mainly for them to make more money whilst the rest of us have to suffer the hike in premiums. Thanks for a great video

[@HelenandDave]

Thanks Julie & Andy, the Kuga gets great readout as a tow car! The truck just didn’t work for us but tows very well. Thanks, Dave & Helen 👍

[@Mike-ip8hg]

Hi Helen and Dave I agree with everything you've said about the vehicle lovely but just not practical for your needs. You were very lucky to be given a tow car of any sort... I had some vandalism done to my vehicle a Toyota Land Cruiser the only courtesy car I could get from my insurance company admiral was a little Nissan micro.. no use at all had to cancel many trips in the caravan was not happy!!!

[@HelenandDave]

HI Mike, thanks very much for sharing your experience. I was very specific that it had to be a car capable of towing our caravan and that they should also supply a spare number plate. However, outside of that, the whole experience has been a joke. ATB, Helen & Dave

[@johnhewitt2443]

Well said that man!! Good for you being honest 👍

[@HelenandDave]

Hi John, thanks, sadly too many people are tempted by thought of ££££. Thanks for watching. ATB, Helen & Dave 👍

[@philtucker1224]

I noticed you went past Elveden Centreparcs at Thetford , always our choice now to join with the family and grandchildren, been visiting all of the various U.K. Centreparc sites for more than 30 years now..

[@HelenandDave]

Hi Phil, yes we did. We've been once a longtime ago now but our children and grandchildren still visit there. Lot's of fun. Thanks for watching. Helen & Dave

[@paulhamlet804]

I have added insurance agents to "the list" alongside estate agents, solicitors, financial consultants...

[@HelenandDave]

Hi Paul, agreed 👍 gonna need a big bit of paper for the list!!! Thanks for watching. Cheers, Helen & Dave

[@barbsdee3831]

My nephew is a consultant (medical) and his foot accidentally slipped off the clutch as they were about to set off from traffic lights. He nudged the car in front. He got out and went up to the old couple who hadn’t even realised he’d nudged them. He told them he was a doctor and had they sustained any injury. Both get out of the car and insisted there was no damage to vehicle or themselves. He gave them his insurance details anyway and 3 weeks later had a call to say they were both claiming whiplash injuries for £10k!

[@HelenandDave]

Barbs, isn't it terrible what these companies get up to and these people are being influenced to make these claims. It's a racket. On a separate note, we've posted our sticker to you this morning. Take care, Helen & Dave

[@barbsdee3831]

@@HelenandDave You are both darlings. I’m more excited to get your sticker than I am in buying my caravan 😂 🥰

[@barbsdee3831]

@@HelenandDave Got the sticker this morning, thank you, I’m over the moon. Now just need the caravan to go with it 🤣😘

[@HelenandDave]

@barbsdee3831 lovely, a thank you for your amazing support 😊👍

[@griswald7156]

I was bumped by a courier in a Mercedes sprinter on Halfords car park…the guy accelerated away fast…i found out from the police who it was….his manager admitted on the phone he was going to do something about it…the estimate was about £500…then a week later he said his van was off the road that day.. Then some unidentified insurance bloke came to look at the damage..result….he got away with it…my car was brand new….my advice …keep on the public road if you can then the police are interested..

[@HelenandDave]

Hiya, yes you're right, as soon as you get off of the public highway it's a whole different ball game. Thanks for watching, Helen & Dave

[@garyholliday5169]

Well done for your honesty regarding fraudulent insurance claims. It’s disgraceful that it is actively encouraged ( by your own company!). As you say for what was clearly a minor collision it has been needlessly escalated into a many £ k claim. Then we as motorists ultimately pick up the bill by having to pay increased premiums, when in fact we haven’t even claimed 🤬🤬. With regard to the Toyota Hilux pick up. We tow with the 2.8 litre one, which I personally think is a great tow vehicle ( I get low 20 mpg when towing 1700kg van and high 20’s when driving solo) I have it for work purposes and have a canopy fitted over the rear. With a canopy fitted it becomes a huge useable space which when caravanning is great for throwing all types of stuff in without having to worry about it getting dirty etc. Totally understand that the one the insurance company have supplied is open to the elements and as such isn’t a lot of use ! Hope you’re Kia is returned soon 🤞.

[@HelenandDave]

Thans Gary, appreciate your comment very much. Absolutely no doubting the towing capacity of the Toyota and what is dead space for us could well be utilised better with a cover/canopy but alas for us it just wasn't practical with just the open bed. Hope to have the Kia back soon, 2 weeks to fix a scuffed wheel is now becoming the issue. Thanks again and ATB, Helen & Dave

[@mikecurtis3300]

Hi Dave, I agree with you totally mate. I too had my car bumped and was asked if I wanted to claim for neck injury even though I said I was ok. They phoned another four times, trying to get me to change my mind. The truck nice but agricultural I feel.

[@HelenandDave]

Hi Mike, it's unbelievable really isn't it! Completely agree, nice motor, especially for a tradesman or a farmer but not for us two old codgers (Helen & me I mean lol). Take care, Helen & Dave

[@grahamlongdon8448]

Well done for highlighting such underhanded and dishonest claims no wonder we are ripped off on insurance renewals,this is happening everyday of the week.I hope someone in government sees this .I agree about your tow car👏

[@HelenandDave]

Thanks Graham, all too familiar and wrong on every level. Thanks for watching. ATB, Helen & Dave

[@suecharnock9369]

I have a dashcam, I always park so the nose of the car is facing outwards (ie I reverse into the parking space) and a ALWAYS leave my dash cam running for exactly this reason. Oh, I also have an older version of your hire truck. Yes, the parking spaces are an absolute pain - but there is hope on the horizon due to spontaneously exploding EV's - as most car parks are now looking to increase the space allocation due give people more room to escape if they are unlucky enough to be next to spontaneously exploding said EV's!! Oh, and I have a hard top on the tub and a reversing camera. Brilliant. Does exactly what I want. Shame they didnt give you one with a top. I dont use my truck for work, it is really an SDP vehicle but tows so nicely. I have had cars that are supposed to tow my caravan, and they have all fallen short. This doesnt.

[@HelenandDave]

Hi Sue, thanks for watching. Great idea to reverse in and keep dash cam on. We have front & rear dash and fitted so no issue with liability there, plus I was sat in the car at the time. The Hilux towed very well but just wasn’t for us I’m afraid. Not EV fans either, think they’re not a proven green alternative and too many safety concerns, not to mention insufficient charging facilities and inconvenient range. ATB, Dave & Helen 🍺

[@Meggy6571]

Hi Helen and Dave, Well we think we have heard it all now, insurer's trying to basically sell false claims, good on you for your honesty Dave 👏. We both 30+ yrs with no claims, but insurance keeps going up. This may well be the answer 🤔 Anyway, on a more positive note, the pick looks nice, but yes, it's not practical. Hope this did not spoil your trip and hope you get the sportage back soon. Take care as always. Paul and Joanne 👍 😊

[@HelenandDave]

Hi Paul & Joanne, it's almost unbelievable isn't it! No we still enjoyed our trip, it cost a few more quid in diesel though lol. Nice machine, enjoyed being sat up high in the cab but getting in was a chore as well. Hope you're both keeping well. Many thanks for your support, it means a lot to us. Take care, Helen & Dave

[@Meggy6571]

@HelenandDave Thanks, we are fine away for bonfire weekend 🤞 It's a pleasure to watch you both 😀 P and J ☺️

[@alisonb4898]

I was hit from behind just before going on a caravan holiday, luckily I was not towing at the time. The car had to be repaired and I was given a curtesy car of the same make and model but no tow bar. I told them about it when it was delivered and they were great, they took it straight back and fitted one the same day.

[@HelenandDave]

Hi Alison, that’s great to hear and very reassuring too and let’s be honest represents the service we should be expecting. Thanks for sharing. Helen and Dave 👍

[@paulmorgan464]

Lovely to see how much the man of the caravan helps out

[@HelenandDave]

You'll never see the lady of the caravan washing the outside Paul lol. Helen is much better at those types of jobs than me. Hope you're well. ATB, Helen & Dave

[@paulmorgan464]

@@HelenandDave that quite correct I tell my wife exactly that still doesn’t change her opinion

[@MickCooper-j2o]

Well done David for sharing your experience of a minor incident being totally blown out of proportion. The third party that collided with you should be ashamed/ the insurance company that advised you to claim for whiplash should be struck off & named( i know you can’t do that!!) The evidence of the damage you are asking for should have not even gone through the insurance companies, surely a claim would cost the third party more than the £250 you were asking for in the long run? It just shows the state of this country where insurance companies & lawyers are dragging out stupid claims & must be making money I suppose!!!!?🤔🧐🥳

[@HelenandDave]

Hi Mick, thanks for taking the time to watch and leave a comment. You’ve hit the nail on the head, money talks! Insurance is a necessary evil full of corruption, hate it! Thanks again and best wishes for Christmas. Helen & Dave 👍

[@mentalneil]

Hi D & H, I'm with the Hilux is absolutely no use to you both, the only way you can secure goods in the flatbed is by using tubes and load straps, but even then it's still open to the elements. I really must arrange a mid week trip to The Willows with some buddies, one of which is a huge model aircraft builder, and would love it there. Until next time TC and safe travels, Neil

[@HelenandDave]

Thanks for the tips Neil, but alas you're right, it's just not for us. You would love it at The Willows. Always a great atmosphere and loads of aviation chat amongst the campers. Take care, Helen & Dave

[@TheRamblingsofBry]

Nice to see some realism at the start, small spaces can look like a bombs hit it, with just a few cups left on the side etc....great job licking it into shape Helen. The gas guzzling toyota tank is far too much to tow a caravan, and certainly not practical for your needs....Insurance is nothing but a rip off that we pay under duress. Most of them are sleazy and untrustworthy to my mind. Wrap up, gonna get colder!!!!

[@HelenandDave]

Talking of realism, your comment is bang on (as usual) and couldn't agree with you more. Kia will soon be back. Take care Bry, Helen & Dave

[@dotwillcoxson5352]

Can't believe the insurance scenario. No wonder we all pay through the nose for insurance. Just an aside, here in Australia Kia Sportage would certainly not be used as a caravan tow vehicle. We have an Isuzu MUX which is great and more like a car. It's stablemate the Isuzu DMAX ute wasn't suitable for us. Like you Helen and Dave, we like the extra space inside the vehicle. Cheers

[@HelenandDave]

Hi to you in Australia Dot. The insurance scenario is unbelievable, you're right. We've been very pleased with the Kia but when we change it may well be for something a little bigger but not a truck lol. ATB, Helen & Dave

[@stephenwhitehead21]

Hi Helen and Dave, can’t say it was a shock to learn about the insurance companies’ shenanigans but well done for staying out of it, you must be one of the few. We’ve had our second trip out with our Freedom micro caravan and eager for more. I notice that your (own) tow car is an automatic. Our tow car is a Citroen C3 Picasso automatic and wondered if it best to drive in auto-mode or gear-selection mode when towing? I notice that the car doesn’t seem to like 6th gear when the caravan is behind. BTW I had the caravan and car matched on the “Towsafe” online service. Keep up the good work!

[@HelenandDave]

Hi Stephen, good to hear from you. We always drive in automatic mode but the Kia also has gear change paddles on the steering wheel. If I ever feel the car is over revving in a gear I flick the paddle to change it or if I feel the car needs to go down a gear I flick the opposite paddle. It's rare that I have to do it because East Anglia is so flat, so it's mainly when we are in Scotland or the hills of northern England. Thanks for your support. Cheers, Helen & Dave

[@mrmitch4599]

Excellent point of view on all accounts!!! Thought it was just me that couldn't see the insurance thing! But Norwich Union rule the roost, and dictate the rules to all insurance providers who brooker themselves out!!! No good insurance companies until they pay out? Boy do you get clobbered when you dare after no the next year!!! All a big CON!!

[@HelenandDave]

Thanks very much for watching and leaving your comment. Completely agree with you. Don’t trust insurers they want your cash and will do anything to avoid paying you out. It’s a con! You e nailed it! Cheers, Helen & Dave 👍

[@themagicrat8803]

12:00 Strangely Dave, the back of the pickup is called a bed, short for cargo bed. My wife's car got hit in a car park while she was stationary, with her parents in the vehicle. The poor old boy in the other car was virtually deaf, so had no idea he had made contact with her car but admitted liability. Long story short, our insurer outsources the entire repair process including loan cars to a middle company. The other party's insurer contacted me and offered a reasonable cash sum bonus to handle the repair (cutting out the middle company) and I could still use my preferred repairer. There's no gain with any of this when you factor in the time and inconvenience.

[@HelenandDave]

Thanks for taking the time to share your experience. Must agree with you, it takes a long time and is inconvenient and at the end of the day, we all have to pay in the end. Thanks again, Helen & Dave

[@stevezodiac491]

The trouble is, even though the accident was not your fault and his insurance company will be responsible, what normally happens with insurance companies, is that they have an agreement to share the costs of claims between them, behind the scenes, (like laying off a bet) and you will definately be required to confirm on your next insurance quote, that you have been involved in a no fault accident, within the last five years, which will definately put up the cost of your insurance for 5 years, each time you insure your vehicle, until after 5 years, when you no longer will have to declare that accident for an insurance quote.

[@HelenandDave]

Hi Steve, that's worrying mate! I would have hoped that they would have told me about that, I could have fixed it myself for £250!! I will wait and see what the renewal looks like and if this is the case, I might have to go down the mis sold 'where there's blame, there's a claim' route lol. Thanks for the heads up. Dave & Helen

[@stevezodiac491]

​@@HelenandDave It happened to us on 2 no fault claims, on my wife's car and my own. The first one, my wife was reversed into by a car exiting a car parking space backwards into the wife's car. The other one was on my estate, whilst i waited to turn right, stationary at a give way line, whilst a car was turning left and on an icy surface, he slid into my vehicle. In both claims the other vehicles admitted responsibility but we had to declare both accidents for 5 years on our yearly quotations.

[@justtrombone76]

For a moment I thought you had purchased another vehicle..... I'm always weary of parking my vehicle anywhere...... Some motorists are so ignorant even on people towing caravans, I take it steady tough your behind me. Hopefully you get the kia back soon.

[@HelenandDave]

Hi Phil, yes, you're quite right to be weary. We always try to park away from others and don't mind walking a bit further. There were no cars near us when we parked. I was even in the car when it happened, good job really!. Cheers, Dave & Helen.

[@planecrazyaviation7773]

Nice looking car with good towing capacity but not for us either. Disgusting the way insurance companies are operating and yet you try to claim on your own insurance and they will do anything in their power not to pay out!! Well done Dave 👍

[@HelenandDave]

Hi Steve & Chris, you need to get to The Willows, right up your alley!

[@teddygas9689]

Yes great honestly and Inwiuld feel the same as you. It really disgusting what people are claiming for and shouldn’t be allowed. On the tow car , We pull a twin axle with a Kia 2.2 Sorento that’s a great tow car at 34mog… we were thinking of purchasing a similar pick up but yes I believe with the sliding cover they still aren’t water proof ??? On 2 minds here also Dave . Interested to hear any of the comments and thoughts back at me :-)

[@HelenandDave]

Thanks very much for your feedback. Actually, we cannot fault the Kia, despite on the day of purchase I was after a Land Rover or similar. The Kia has been the most reliable car we have owned. We have decided when we change that Kia will be the first port of call and the Sorento is at the top of the list. ATB, Helen & Dave

[@arnie111999]

Use a VW Amarok 2.0L BiTurbo auto - tow 2ton Hobby no problem 28mpg. When we got the caravan we put a back on the Amarok and storage is huge - in fact you can put a 1000kg in the back and tow 2tons with ease the only downside is very occasionally with parking spaces - definitely wouldn’t change - insurance is a rip off and your experience sadly is no surprise

[@HelenandDave]

Thanks for watching Chris and must say that the Toyota also towed with ease. If there had been a cover/roof over the back then yes we could have really utilised that space as you have described. Thanks for sharing your thoughts/experiences. The insurance rip off is another debacle altogether 👍 Cheers, Helen & Dave

[@lesbrewster2375]

Like you I've never had any insurance claims in 54 years yet for my sportage it increased this year by £240 ( my first 4 vehicles combined didn't cost that 😂)

[@HelenandDave]

Hi Les, it beggars belief doesn’t it. Congratulations on having no claims in all that time and for owning a Sportage. I set off to buy a Land Rover the day we got the Kia, no regrets. Thanks for watching. ATB, Dave & Helen 👍

[@johncawte8724]

Hi dave it's John and Tina we met you at yarmouth that's disgraceful that explains why my insurance as doubled this year I been driving 40 yrs no claims and we paying because of claims like that plus fuel I no what you mean swapped volvo xc 60 for the ml 350 wow can it drink great video as usual

[@HelenandDave]

Hi John & Tina, hope you're both well (thanks for the ghost ship, best surprise this year) It's quite disgusting how some of these companies operate isn't it. The Marc is a lovely car though but it's a BIG engine. Take care, Helen & Dave

[@jonessenoj6753]

Great points about insurance, and also, please report them for fraud! Along with every single "aeroplane" that's claiming for no existent fuel !

[@HelenandDave]

Thanks for watching, it’s all very alarming and unnecessary. Cheers, Helen & Dave 👍

[@coover65]

Not sure how suitable the Hilux is on narrow British roads, but in Australia that is the country's number one selling vehicle, followed by the Ford Ranger. Our caravans tend to be heavier than British ones, so the need for something with a 3,500kg towing capacity is popular. The Dodge RAMs are gaining popularity, along with the Chevrolet 2500 and Ford F-150/F-250 models. British caravan parks seem more like carparks. Do you have caravan parks that are more holiday themed parks with facilities for children etc? Seeing caravans without roof mounted AC units is an odd sight. We got to 37°C yesterday here, and couldn't survive without AC, except for perhaps two months of the year. One of the more popular activities is what we call "free camping", where you grab your caravan or camper and just go find a remote spot all to yourselves. We owned a caravan, but now have a 12.5m tag axle coach converted into a motorhome. With a 1,000 litre water tank, and enough solar to not plug in for months on end (we haven't plugged into a caravan park powerpoint since February), we are pretty well self-sufficient. Good for you too in not succumbing to the insurance request. Fraudulent claims like that do nothing for insurance premiums. Safe travels and best wishes from a new Australian subscriber.

[@HelenandDave]

Hi, always brilliant to get new subscribers especially when they’re on the other side of the world, thank you and thanks for the comment. We’ve watched with envy many of the amazing caravans you have in Australia. Really quite rugged off road type vehicles and chunky tow cars too. It’s easy to see why you would need something like the Hilux. Yes, there’s a lot of holiday parks with huge facilities, entertainment venues, pools and more over here but ‘wild camping’ is not permitted although in Scotland the rules seem to be more relaxed. Stay tuned! All the best, Helen & Dave 👍

[@barryrathbone]

I hit a car at about 2 miles an hour and the insurance said the other party had claimed for whiplash and did I want to claim ! Like you I told them to go away!

[@HelenandDave]

Hi Barry, good for you. These claims are just ridiculous and just drive premiums up. Thanks for watching. ATB, Helen & Dave

[@alang7518]

Hi, We love your informative videos but I would love to know your thoughts on your Kia Sportage, like how do you like the auto box and towing capacity etc. Many Thanks

[@HelenandDave]

Thanks for watching and leaving a comment. We love the Kia, it's a Sportage GTline auto AWD 2.0lt. It's been very reliable, tows without any issue at approx 28MPG. We have had it now for 7 years and it owes us nothing and I never wanted a Kia but so pleased we got it. Cheers, Helen & Dave

[@alang7518]

Thanks for the info it looks like its a Kia. Cheers Alan

[@minisynthcollective7822]

What a fantastic campsite. Loved that vid.

[@HelenandDave]

Hi, Glad you enjoyed it and thanks very much for taking the time to leave a comment. ATB, Helen & Dave

[@NBNatureTrailvan]

What has happened to the World! Completely crazy. Just got a quote for our car insurance renewal - full no claims and they wanted double the premium. Eventually rrnegotiated them down to an increase of about 20%. It’s just a disgrace. Feel your pain Dave

[@HelenandDave]

Absolutely no recognition of loyalty or no claims from these companies. It's all about take and no give!! Thanks for watching. ATB, Helen & Dave

[@markysparky66]

Hi, if you don't mind me asking, where did you buy your fitted bedding and base valance sheet, we are picking up a new Swift Major 4sb in December which has the same layout as your, looks fantastic by the way 😊

[@HelenandDave]

Hi, thanks for watching. Here is a link to our Amazon store page where you cab get the bedding. Helen just stuck some velcro on the valance to cover up the bed base and it works really well. Hope you enjoy your new caravan. We rate the Swifts. ATB, Helen & Dave

[@markysparky66]

@@HelenandDave Thank you so much 😊

[@mickkoi1]

Hi guys I have just got me a Mazda cx60 great tow car but like you said insurance through the roof solely for this reason,other people claiming for nothing really.only had the van a couple of months and looking for sites next to airfields,looks a great site what’s the prices like and does it get busy in the summer months.both retired so it would be mainly in midweek great videos by the way.

[@HelenandDave]

Hi Mick, thanks very much for watching. Used to have an XC60, it was a lovely car. The Willows is popular with only around 14 pitches but we’ve never had an issue getting on but it’s best to book up as early as you can I would say. Thanks for watching and happy travels, Helen & Dave 👍

[@nevweb51]

Hi Dave and Helen my insurance went from £300 to £600 this year and that was before I had bought my discovery getting fed up with it 🧐

[@HelenandDave]

Hi Nev, thanks for watching and leaving a comment. We do agree, insurance premiums are becoming a joke and it’s no wonder when you see some of the ‘underhand’ practices that are taking place. ATB, Helen & Dave 👍

[@paulling4588]

Well done for shaming insurance companies. My own insurance quote for the coming year went up by £10 per month and I haven't made a claim since the 1980s. Needles to say I switched company, but still had an increase in my premium, just not as much. As you said in your video they don't seem to care about keeping existing client/customers. Thanks for your content 👍🏻

[@HelenandDave]

Hi Paul, thanks for sharing your experience in this comment. Sadly, it's an all too familiar scenario as we have learned through this thread. Appreciate you watching, all the best. Helen & Dave

[@colincameron6263]

My experience. I have a Toyota Hilux, a Ford Ranger and a Ford Everest SUV. The Hilux is crap at towing more than two ton but a great work truck. The Ranger can tow 3.5 ton easily, i do that all the time and is also a great work truck. The Ford Everest is just so much better to live with as both a tow car with the capacity to carry luggage without it getting wet or damaged. Putting heavy items in the caravan is a good way to destroy the seals around the walls.

[@colincameron6263]

Forgot to say i agree the Hilux is thirsty especially when towing. It drinks 20% more fuel than my Ranger.

[@HelenandDave]

ThTs experience talking, thank you! Thanks for sharing your insight. Having never owned a pick up, we we’re quite excited at the prospect of at least trying one (on hire) for a couple of weeks but as you saw, it just didn’t suit us. No doubting the towing capability but it was just too big for us. Completely agree on your thoughts on overloading the caravan. Put the heavy stuff in the tow car! Thanks Helen & Dave 👍

[@HelenandDave]

Ranger looks smarter too 👍

[@markcoupe8139]

Wow. The nerve of some people. Makes my blood boil. I had the similar think happen to me a few years ago. I was fuelling up my car. Stood with the pump in my hand when a car reversed up In front of mine. Hitting my front bumper braking my number plate. And he had the nerve to get out and say I drove into him. 😮. Luckily a witness sore it all happen. He owned up in the end and ended up just paying £20 cash for a no plate for me. Could have claimed for totally new bumper. But I’m not like that. I’m honest and no liar. Hope you get it all sorted🙂

[@HelenandDave]

Had to read this twice I thought you said he reversed into you and then said it was you that drove into him for a minute!! People will try every trick in the book won't they. We have dash cams, security cams, video doorbells and soon we will all be walking round with body cams....unbelievable! Thanks for watching. ATB, Helen & Dave

[@ianwatson3315]

I have 3 Porsche cayennes ranging from 2005 to 2008 and my 3rd party ins is £160 each and I get roadside recovery for that in Dubai.🤷‍♂️I’ll also add that I had to close my self drive van rental business which was purely for the film and tv industry, due to wiplash claims where cars would brake check you and 5 Nigerians would pile out. My insurance went from £35k to sorry we can’t insure you anymore.

[@HelenandDave]

Thanks for watching Ian. OMG! a couple of extremes in terms of premium prices. People will go to any length it seems. Thanks for sharing, Helen & Dave 👍

[@ianryan606]

Hi Dave and Helen, Some people are just not honest, and his only shooting himself in the foot by claiming on his own policy, I'm a paramedic in Yorkshire and it is something we come across all the time at RTC's. People at low speed impact crashes are always complaining of neck and back pain, when the vehicle's have very very light damage, and in one case there was no damage at all to the car, but the man said he was unable to get out of the car, his attitude soon changed once the police and fire service arrived, and he was told that if he was not able to get out of the car then car roof would be removed, and the police said a report would be sent to the insurance company with photographic evidence of the lack damage, he was then out of the car in seconds and didn't complain of any pain. I claimed for a dumper repair years ago from a man that hit the back of my car, when i went to renew my policy in the section have you had any claims in the last 5 years, I put NO, two days later the insurance company called and said I had not been honest and if I wanted the policy it would cost an extra £50.00. I explained that i had not claimed on my policy, there answer was no but you claimed off someone else, but that not on my policy, the lady agreed but she said they still class it as a claim according to the insurance companies. Have a great time keep warm and safe.

[@HelenandDave]

Hi Ian, thanks for sharing this, it just paints the picture of what is being drummed into our heads these days. 'Where there's blame there's a claim' even if there is no damage or injury. Terrible state of affairs. Thanks again. Helen & Dave

[@gourdarchibald6588]

Sadly, honesty and integrity are becoming rare these days, good on your for sticking to your guns. If you get the chance have a go in a VW Toureg, oodles of space, oodles of power, ride is silky, but about the same mpg as the Hilux I would think.

[@HelenandDave]

Thanks, completely agree with you and I'm sure you're the same, just don't like lies. A friend of mine had a VW Toureg and he absolutely raved about it. Big car but I think when we change the Kia we will get a bigger car so one of these would be worth a look too. Thanks as always for your comments, we appreciate your support. Cheers, Helen & Dave

[@geoffclarke9157]

My jag ( only had it six months) was hit drivers side , front and rear doors whilst I was in Aldi 's. Luckily the driver stayed and we exchanged details. Drivers insurance covered all costs but my insurance shot up because of the claim. Good job it wasn't my harley or I'd be doing time for manslaughter.

[@HelenandDave]

Hi Geoff, TBH this is our worry, we really didn't think we would have to pay for something that wasn't our fault but we will have to wait and see. Sounds like you had some serious damage though. Thanks for watching, ATB, Helen & Dave

[@jamesfoote8916]

100% happened to my wife and I. It made me so angry I told them to send the car back because £480 a day was just stupid what should of been a £350 claim tops must of been 5k plus easy and if I had not sent the car back in disgust you could add a few more Ks too. Good to know there are honest people like ourselves so well don’t to you sir. James

[@HelenandDave]

Hi James, it's really frustrating and almost feels like it's illegal to us! Thanks very much for sharing your experience, it just reenforces what a scam it is. Take care, Helen & Dave

[@margaretbritton7080]

We got a pick up with an electric roll over cover absolutely fabulous, had to pick up from site wet awning, carpet etc, so much better than a car for that. Tows twin wheel caravan like a dream much better than the car as it’s wider too, think you change mind if you had a decent cover over the but of the pick up it’s a must!

[@HelenandDave]

Hi Margaret, thanks for watching and leaving a comment. I was of the opinion, as I mentioned in the video that with a cover or a hard top it would be a lot different. In the case of the Toyota, even a 6ft 2ins brut of a man like me could not reach into the flat bed very easily to retrieve items and although it wasn't mentioned in the video, getting in and out of the cab on this particular model was a struggle. I do buy your point about wet awnings and carpets and it towed liked a dream and I do think they are lovely looking vehicles, but not for us. All the best, Helen & Dave

[@arnie111999]

We fitted a sliding bed in the back makes it easy to get stuff at the back

[@robinfloyd1366]

I agree with all your points. However, it’s an unfortunate fact that you’ll probably be loser in all this as your insurance renewal will increase which I think is totally unfair when in instances like this it’s a no-fault claim. Would be interested to hear what it actually goes up, although it’s going to be difficult to get a true comparison due to the hefty increases everyone is paying this year.

[@HelenandDave]

Hi Robin, we fear you’re right about this but this is something that was never pointed out to us by the insurance company at the time of making the claim which is also wrong in our opinion. Watch this space. Thanks for watching and leaving a comment. ATB, Helen & Dave 👍

[@richardcope3850]

Words fail me Dave! Good luck with everything, dare I say there is perhaps a link between the military and integrity?

[@HelenandDave]

Thanks for watching Richard, crazy world isn't it but it goes against our morals and we wouldn't entertain that type of nonsense. ATB, Helen & Dave

[@adamsher86]

Hi Dave & Helen, is your Kia Sportage the 2.0L 134bhp or 180bhp? I’ve seen a couple and didn’t know if the 134bhp would be enough to pull a fair sized caravan? Thanks, Adam.

[@HelenandDave]

Apologies for the delay, ours is the 180BHP GT Line 2lt all wheel drive. Tows great but I wouldn't want anything with less pulling power. Cheers, Dave

[@adamsher86]

@@HelenandDave Hi Dave & Helen, thanks for the reply. I had a feeling yours would be the 180bhp but wanted to ask. Have a good rest of your week and weekend. Thanks, Adam.

[@joedunks6515]

Hi Dave & Helen Good on you, shame on them i salute you great vlog as always.ATB Joe & Tracey

[@HelenandDave]

Thanks Joe & Tracey, thank you. Honesty is the best policy although from what I can work out it will still mean an increase on our insurance policy next year. Doesn't seem fair does it? Thanks as always for watching, hope you're both well. Cheers, Helen & Dave

[@joedunks6515]

@HelenandDave You know it's always the honest people that have to suffer, from those who break the law.

[@mellarner8253]

I cannot express what I think of insurance companies on here, so… Well you can get a lot of Ghost Ship to bring with you in that. Had a Navara way back as a tow vehicle, not so stable with nothing in the back, but now thinking about an Amarok so I can get a mobility scooter in it with a crane thingy, that will help stability. Trouble is all the issues with lithium battery EV fires, am somewhat put off, so scooter may need a V8 or similar, bigger crane will be needed, more weight in the back, even better stability, should be well sorted.

[@HelenandDave]

Mel, you're not alone with your thoughts. Our son works for the ambulance service and tells us some horrendous tales of EV vehicle fires in RTA's. I do like the look of some of these truck type cars but getting in and out of it was also quite troublesome (I edited those bits out lol). Thanks as always, Helen & Dave

[@markleigh3]

As you said insurance company seemed to want it to cost as much as possible then as for the dishonest injury claim, as soon you said they’d hired that for you I thought would it not be easier to send you a check for £250

[@HelenandDave]

Our thoughts exactly Mark, we’re still scratching our heads. Appreciate your comment. Thanks, Helen & Dave 👍

[@teresaemmerson9599]

A question for Helen please, love the valence idea around the bed base. What size did you use and where did you get it from? Love the video and totally agree with your stand with the Insurance 😊

[@HelenandDave]

Hi Teresa, thanks for watching, here is a link to the bedding on our Amazon page. I just used some velcro on the bed base and valance to keep it in place and it works a treat. Thanks Helen.

[@teresaemmerson9599]

@@HelenandDave thanks Helen, but there’s no link 🥴😂

[@HelenandDave]

@@teresaemmerson9599 I knew I should have got Dave to do it. Sorry, 2nd attempt :o) www.amazon.co.uk/dp/B07T1XNZVJ?linkCode=ssc&tag=onamzcarava0c-21&creativeASIN=B07T67F4XM&asc_item-id=amzn1.ideas.2Z4I00LXFBTPX&ref_=aip_sf_list_spv_ons_mixed_d_asin&th=1

[@teresaemmerson9599]

@@HelenandDave thank you 😊

[@enzodelbono9884]

One insurance company offered me £600 upfront if I didn't claim for whiplash etc...by the way I've just come across your channel...I've subscribed. ..😊

[@HelenandDave]

Hi Enzo, first of all thanks very much for subscribing, we appreciate that very much. As for the offer of whiplash, it's just unbelievable the lengths some of these companies will go to. Thanks again, Helen & Dave

[@dixinormous4918]

I had a police officer in an unmarked car crash in back of our tow car , long story had to inform insurance no damage to my car didn’t think anything about it next years insurance quote increased £300 due to a non fault accident!!!!! Not happy to say the least 20 years driving without points/accidents they was not bothered at all police officer said he was distracted because he was on his way to court !!!!

[@HelenandDave]

Yours is the 2nd comment we've had like this and it's very concerning. I could have got a new wheel for £250. The insurance company should have informed us of this in my opinion. That's just not fair the you had to pay the price for something that wasn't your fault. Thanks for the heads up. Helen & Dave

[@ricoolivier]

In South Africa we use these vehicles for caravan towing because of the stability and load carrying capability. Isuzu, Toyota, Ford, Mitsubishi and Mazda "double cabs" are about the only tow vehicles you see by us. A shame really as a good SUV does make more sense!

[@HelenandDave]

Hi Rico, we’re delighted to hear from you from South Africa, thanks very much indeed for watching. There’s no doubting the Hilux towing capability but we just prefer the SUV style, it suits us better. Cheers, Helen & Dave 👍

[@pennphilip]

unfortunately been through the same situation. Still get calls today trying to get me to claim 😞

[@HelenandDave]

Hi Phil, it seems to be the way of the world these days. Blame, Claim, Counter Claim....it never used to be this way but I think this culture originated across the pond and soon migrated its way to our shores. Hope you're well. ATB, Helen & Dave

[@graemep7791]

It's often unscrupulous solicitors that make those phone calls. I've lost count of the number of calls I've had like that, despite not having had an accident. I think all solicitors carrying out this practice should be banned from trading, because in reality, it is costing us all a small fortune. We've also owned a Hi Lux Invincible in the past. It towed very well, but was a little bit light on the back end, especially when going around roundabouts in the wet. We had a fibreglass hard top fitted to ours and it enabled us to take an inflatable dinghy and a decent size outboard motor away with us. You obviously wouldn't want to take that sort of equipment in an SUV or car due to petrol fumes etc.

[@HelenandDave]

Hi Graeme, many thanks for sharing your thoughts and must say, we couldn’t agree with you more, it is costing us all in the long run. Yours is a perfect example of where these trucks come into their own. It towed effortlessly! Thanks again and all the best. Helen & Dave 👍

[@terryfielding8836]

Hi Dave and Helen. Well done with your honesty on your claim. Insurance companies are just a joke, unfortunately it's a legal requirement and they play to that. It's disgusting that they promote this type of behaviour and we wonder why our premiums are going up at a ridiculous rate. I'm afraid the Toyota would not be for me and totally agree with all the issues you raised. Thanks again for another interesting vlog. Cheers Terry

[@HelenandDave]

Thanks Terry, it's a head scratching situation isn't it! I was absolutely blown away with the phone call to be honest and yes, we are expecting to pay more for our insurance next year regardless. Thanks, Helen & Dave

[@C9OLB]

New drive looks good 👍

[@HelenandDave]

Vey observant lol I lost weight getting that done ha ha ha. Cheers, Helen & Dave

[@ianyoung2696]

Yes it's not surprised we are the rip off capital of the world 😢 glad to hear you haven't parted with your kia. I have a mark 1 sorento had it for 14 year's now & it has been 100% reliable & only goes in to a garage at mot time & i service it my self, shame I can't say the same about my last tow car a 300tdi discovery 😢

[@HelenandDave]

Hi there Ian, and to think when we bought the Kia, we were actually looking for a Land Rover, we're so pleased with the Sportage but would look at the Sorento too because we've heard such good thins.

[@theonlywoody2shoes]

If you are claiming from a 3rd party who has admitted fault, your insurer not only gets the sum due to you, but they also charge a fee (%) for processing additional claims for you, increasing their cut and income as your insurer. Hardly surprising that they are so keen to add extra claims when they are not paying, but… if they are doing that to other insurers do they honestly believe that others don’t do it to them when it is their insured that is (even partially) responsible.

[@HelenandDave]

Hi Ian, makes sense but really annoying and of course in the end it's all of us that pays. Thanks for watching. Helen & Dave

[@MazMarian]

Well said Dave, see ya soon xx

[@HelenandDave]

Thanks Maz! Next stop Forest Park x

[@mikesphotography7185]

Good on you 👍

[@HelenandDave]

Thanks Mike 👍

[@DesmondsDonders]

I'd report the tale to the ombudsman. I am sure they would be interested. Craig had a similar vehicle from work he hated it.

[@HelenandDave]

Hi Dave & Lindsay, you might be on to something there!! We thought we might like it but we quickly realised we didn't. Best wishes to you both, Helen & Dave

[@hagreegardenmachinery3738]

Pick ups aren’t for everyone. But for me it works with very well, a roller shutter on the back, full of lawnmowers in the week then awning etc and tows the caravan on the weekend, and the benefits of tax savings being self employed. But they aren’t practical for everyone. Shocked at the actions of your insurance company no wonder they are increasing premiums constantly!

[@HelenandDave]

In your case, I completely get it. I think I said for tradesmen or farmers I can really see the benefits and of course the tax savings against your business makes for the perfect choice etc. I've never really liked insurance companies, almost always a one way street and the premiums are just a joke really. Thanks for watching and all the best. Helen & Dave