The Luton Airport Fire - Joke Insurance Payouts and WHO NEEDS A LAWYER?!

[@jaspercooper1741]

You don’t need to go through insurance companies you can sue the owner directly. My TR6 was hit by a hit and run driver who we tracked down. The insurance company just kept giving me the runaround and also said they wanted ti write it off, which the hit and run driver thought was hilarious. So I wrote to the driver direct and said I was going to sue him for my car to be repaired as I need not go through insurance. The insurance company changed its tune and paid for the full repairs.

[@brianlopez8855]

I always sue directly and notify my insurer to keep their nose out.

[@lewisdillon8524]

You are right. Insurance stands behind not in front

[@David-fj5lz]

I can see a massive cover up coming

[@David-fj5lz]

Why not claim on the Car Park insurers as you paid a charge, or do they exempt themselves for fires now?why should people be liable for a car fire not started by them? The Insurance ombudsman should be now involved, they will not be wealthy now as everyone will personally sue!!

[@teachingpupswithmetz]

Don't most of them have signs up saying park at your own risk? But maybe they would be classed as at fault because they didn't have sprinkler system? Nobody could be expected to know that so it might be legal case? I sm sure Black Belt Barrister will be doing a video about it

[@davidadams5116]

These insurance companies really are the scum of the earth. I had a claim once when a driver reversed into me. The offending driver then contacted me to say he would pay for the damage. When I cancelled the claim they said the claim would still show on my history. So even though it cost them nothing they still insisted I had made a claim. They need investigating asap

[@long_view]

Agree - see my comment above. I had a similar experience, and the MIB proved useless.

[@davidbrown2571]

All insurance companies are the same , money money money.

[@impy1980]

My mate rung up his insurance to enquire the logistics and cost of a cracked windscreen repair/replacement, they noted it down as a claim, even though it was an enquiry not a claim, he spent a week getting through to someone high enough with enough sense to correct it. You're right pure scum. I'm not looking forward to renewing in December, already had friends over the past few months say theirs have gone up and shopping around doesn't help.

[@15bit62]

Leave the UK. The UK insurance industry is so poorly regulated they get away with all this crap. Move to continental europe and this sort of crap doesn't fly. You'll find the whole idea of named drivers doesn't exist - the car is insured, not the person. So my car can be driven by anyone over 23, and that is the standard policy. Additionally, if the car was bought new and is written off within the first 3 years of ownership, you get a new car.

[@mervwhitney7229]

In 2017 I had motor scooter stolen and it was chased by police before crashing and two on board were arrested, Bike was damaged beyond repair and I was paid by my insurer. At the time of renewing my car policy, with a different company, I (stupidly) declared the bike claim and this well known company, which specialises in the over 50s, increased my car policy renewal by 30%. I complained to the FCA and insurance Ombudsman and they sided with the insurance company. I then had the incident on my record for the next 5 years. The insurance industry in the UK needs more control as they have some very unfair practices, especially where the customer is not at fault but there is nobody to claim against so the insurer treats it as a fault claim.

[@louiserichards6252]

I have a 306 Peugeot that is 23 years old called Betsy and only 74,000 on the clock . I have had her for 20 years and a little old lady had her from new and she just used it to go shopping . sadly she passed away and my local garage guy said her brother was selling off her effects and he had serviced the car from new .It was the best buy ever for £3,000 . Apart from the exhaust box needing replacing a couple of times Betsy has been a wonderful car . Betsy is part of the family and has put up with 4 children Transported various music instruments including children ,drumkits and large double base to boot .We love her and she has just passed her MOT for another year and just had a service done .

[@allosaurusfragilis7782]

I like stories like these. For me, thats more environmentally friendly than buying a brand new electric vehicle. It annoys me the way they are being pushed, as somehow good for the environment. Not when you look at the big pic, they're not.

[@Glenn7719]

Ive got a 20 year old shitbox civic that i paid £500 for just over 3 years ago as a runabout. 155k on the clock now, ive done around 30k in it. Cheap as chips, cheap to run, cheap to insure, (£300 a year) cheap to fix, service it regularly myself, fix it myself, ticks all my boxes and has ever let me down. Took it to Scotland and back from Kent the other month, didnt miss a heartbeat. Also got a 35 year old motor as a project/weekend car ive had over a decade. Modern cars just dont do it for me, and ive driven plenty, i see no need to fork out thousands on a motor. Thats just me.

[@polla2256]

The best car I had was the maroon marauder, a B5 A4 Avant for £250. It had a self repairing engine oil gasket, I was so cheap I soldered contacts on the starter relay contact rather than buy a new one. When I damn nearly peeled the door off reversing into a low wall it was nothing more than a "meh, it's fine". Bangernomics are the best, especially when you're saving for a house and love fixing things.

[@Me-zo8yc]

Lovely cars from Peugeot glory days they look good even now compared to all the jelly mould blobs.

[@EazyDuz18]

no one cares about your shit Pug

[@keegan773]

So what was the ‘vehicle fault’ that caused the fire? If they know the cause of the fire was a vehicle fault then it follows they must know what that fault was.

[@suecharnock9369]

hybrid electric Range Rover thing it seems to have been,. but no one 'official' will say so because they dont want to kill the EV market.

[@Gruxxan]

@@suecharnock9369 it was a diesel range rover

[@barryamorris]

@@GruxxanIt was a diesel hybrid

[@mattwood7919]

Diesel hybrid, hybrid battery fire

[@papalegba6796]

Global warming

[@bordersw1239]

So the lady pays £20k for a car and seven years later still thinks it’s worth £20k?

[@ALIENdrifter66]

It might cost even more, who knows. Depends on the car's depreciation (or apreciation) and inflation

[@fs5866]

No it doesn't, the car in question was a nissan juke.

[@liamtimms777]

If it’s increased it’s up to customer to tell insurance , I have a scooby sti paid 10k 14 years ago, car been valued at 22k now but insurance list it as 8k, I had to send valuation paper work, now insured for 23k

[@neil5209]

@MotorHeartAT anybody who spends £20k of their own money to buy a nissan puke clearly needs to have a word with themselves

[@patthewoodboy]

@@liamtimms777 it doesnt matter what value you put on the insurance form , if you over value it that increases your premium and you still get the market value if its written off , you are stupid like 75% of the human race , do us a favour and remove yourself from the gene pool 🙂

[@Eric_L456]

You only find out how good your insurance company is when you make a claim!

[@jonathangraham9989]

Correct! A family member has there car writen of whilst it was sat out in the street. The insurance company named after a place on the south coast and historical battle, cancelled the remaining 8 months of his policy without refund or explanation! after the third party's insurer paid out and he replaced the car he telephoned them to transfer the insurance to be told this. Unfortunately he is like most people in this country had a whinge and a moan about it, then rolled over and let them get away with it.

[@MarkFromEastleigh]

The car park was apparently only 4 years old. Why, in this day and age of health and safety, was there no sprinkler system installed in the car park? No doubt due to costs. The airport should bear some responsibility for the severity of the fire.

[@frasercrone3838]

It comes down to what regulations apply and as it was separate from other buildings and usually did not have a lot of human traffic. It is concrete and steel construction which you would call fire resistant material and of course the building of any structure is done to the cheapest legal quote. The designs for these car parks would be fairly generic from an engineering point of view but I would hazard that the engineering calculations do not take into account BEV's and the inferno they produce when burning. Now would have a sprinkler system have put the fire out? A lot of things depend on at what stage the sprinklers would have come on and I suggest that they would not have put out a burning BEV battery but they may have kept the other cars around it from going up. Water is very effective at putting out hydrocarbon fires that have not become to large and any studies done on car park fires would have predominantly focused on ICE vehicles being the main target. The entire saga has highlighted how we continually introduce new technology and deal with the problems later and you can bet that no politician wanted to hear about Li-Ion fires and none of the BEV lobby were going to offer any information other than they do not spontaneously combust any more than ICE vehicles.

[@-na-nomad6247]

A sprinkler system wouldn't help much in a car park, the smoke detectors will not work because cars normally produce smoke and the heat sensors would kick it after it's too late because the heat in a car park spikes a lot. Would there be other methods, probably, should there have been a proper xire suporession system that would work in car park ? Certainly.

[@chrissmith2114]

​@@-na-nomad6247 Sprinkler systems do not rely on smoke and heat sensors, they have 'meltable plastic capsules' on each head. holding a water valve in the sprinkler headclosed and when the heat from a fire is enough to melt the capsule the water flows into sprinkler head and sprays water 'locally' - sprinklers are designed not to cause massive water damage to a whole building and contents by all activating at once - they operate locally, only where the actual fire is.

[@chrissmith2114]

@@frasercrone3838 'There are non so blind as those that do not want to see'....

[@GregHighPressure]

i dont know useful sprinklers would be when fuel tanks start to explode...

[@hendongooner7383]

An elderly friend of mine had an accident in his 2017 BMW 440i - nearside rear tyre blew out and slammed the car into the kerb; damaging wheel hub and suspension. That was back on Aug bank holiday Monday. His insurance company have not provided a courtesy car, even though his is entitled to one, whilst the car is being repaired. It is now 24th Oct 2023 and he still has not got the car back and he also still has not got a courtesy car. The insurance company claim that they called him to offer a car but since nobody answered the phone they "assumed" he did not want a courtesy car. Absolute scum bags

[@doggy55915]

If it's a non fault accident he needs to contact a company like accident exchange who will supply him with a like for like car and claim the cost back from the other parties insurance.

[@brianlopez8855]

Always set out in writing, 7 days letter in advance, issue the claim for breach of insurance contract.

[@markbray2988]

Used to be the body shop/repairers who had to supply the courtesy car (unless it's changed recently) and not the insurance companies. Hence why, if it's not being repaired there's no courtesy car. A friend of mine had 10 Skoda Fabia's on lease for his customers use. Insurance companies are crooks and scammers. Most times the assessor would approve a repair but insist on using non genuine parts only... without the owner being aware!... Crooks!

[@twatmunro]

@@doggy55915 -- there is no 'other party'. His nearside rear tyre blew out. That's a long time to repair a wheel hub and suspension though.

[@reevessairgunningreviews5572]

Very interesting Geoff. Since there was a video still of the car on fire, I take this was from the video surveillance camera. If it was, then it would show the driver driving in with it on fire, and then abandoning the vehicle. Shouldn’t be too difficult to get him banged to rights. Even if my car caught fire entering a car park (I own a purely Petrol car) I would have driven straight back out and got the vehicle as far away as possible from anything before abandoning it. This driver should be locked up, and is lucky no one was killed or injured.

[@iainansell5930]

criminal negligence i believe... his insurance would also be voided due to his actions!

[@marksutherland774]

Nobody will tell me there wouldn't be footage of the guy driving the car in with smoke coming out of it, unless it's been wiped. There will be footage of EVERYTHING. There would be cameras on the floor he parked on.

[@babaoreally8220]

Everyone should notice that the vehicle in question was not parked,but abandoned in the lane of travel.This fact should be an important clue to corroborate the claim it was roasting on the way in.

[@Cotictimmy]

Fascinating stuff. The mystery deepens. I think it's a bit like the lab leak theory: when authorities react in bizarre and seemingly irrational manner in response to some event and straight forward questions about it, it makes you wonder why.

[@IncognitoChild]

Geoff, any chance you could get your followers to share their claim payouts that way we can name and shame the insurance companies (who are already hiking their insurance premiums year on year) offering less and less for their services. Blaming customers for parking their cars in multi-story car parks before they go away on holiday and not paying out to the full value on their return -they're just pond feeders

[@dougle03]

Most motor policies are based on fair market value at the time of loss... This 20k to 7k story I suspect has more to it.... For sure loss adjusters try to get the value down, but not by that much. Equally, unless there is someone to blame (Claim from), then a motor insurance claim is considered 'at fault' for the purposes of the payout.

[@IncognitoChild]

@@dougle03 I had an Audi once that got hit while it was parked in Tesco's car park. I had a witness but I had no phone and no pen with me. I chased after the person who hit me got their details. The witness had walked off. The third party reneged on an offer to pay. He then said I was reversing at the same time. The insurance company needed proof I wasn't reversing - I showed them a receipt for the shop that had just done 40 minutes after the incident and they were happy with it. 2 years later when I was shopping around for new insurance, I was getting poor results.When I enquired I was told that the claim had been settled 50/50 - the insurers hadn't even told me (and this was despite them telling me at the time that the perpetrator was known to them as a serial offender) Needless to say I have a very low opinion of insurance companies and the words I would use to describe them I can't repeat on here!

[@RAPIDNISMO]

This whole situation, just like many..could and should have been prevented by this little known thing ...COMMON SENSE

[@0skar9193]

And critical thinking... which seems as lacking as common sense

[@RAPIDNISMO]

@@0skar9193 exactly that

[@wuffothewonderdog]

Like the powers that be giving up the climate emergency religion and letting us get on with our lives? Yeah, right . . . . .

[@Mariazellerbahn]

She was abroad yet the Range Rover wasn't even in a parking space? Something doesn't add up.

[@ljt3084]

It stopped before they got it into a space and being the entitled ..... they decided it was okay to just notify security it was smoking and hop on a flight. These people do exist. As a former mechanic ive met more than a few. Brings car in for full service, leaves cat in cat box in boot. Cat defecates in box and stinks the car out. We refuse to carry out work due to a) live animal in the boot and b) bio hazzard. Customer threatens to sue us as we upset her routine and had to reschedule the Veterinary visit. Who leaves a cat at a dealership in a box in the boot for hours. Only the entitled devoid of common decency and sense.

[@macraghnaill3553]

the range rover wasn't in a parking space but still managed to destroy the garage and 1200 cars , a man has been arrested. a woman who was in Portugal had her 20k car written off and was offered 7k, a nissan juke owner paid 9k for her car and was offered 8.5k minus £300 excess

[@templarknight8004]

Do you understand what Geoff said, or your mind doesn't follow a whole story? Are you stupid or what?

[@goldfinch8792]

This does not add up. The burning RR was not in a parking space. Are we to believe he just abandoned the car? And did anyone else think that the 2 neatly placed fire extinguishers beside the burning car looked a little staged!

[@ivorproblem1332]

@@goldfinch8792 You can't use water on electrical fires

[@69waveydavey]

I'm waiting for these car owners to start reporting the massive parking fines they'll be receiving for going over their allotted parking time. Blackbeltbarister could maybe help with the insurance companies, they need taking to court

[@charlotteclark8254]

The parking company reimbursed all pre paid parking already. That happened before my insurance company would even accept my claim!

[@Bucharestguidedtours]

If the airport workers story is true, then the Fire Brigade guy and numerous other folk were either grossly misinformed, or blatantly lied to the camera.. Id say it was on a 2 or 3 digit plate, not the prefix plate that was in the front end shot that was badly photoshopped. Great stuff. Best wishes.

[@wuffothewonderdog]

There's probably a lot of people employed at Luton Airport who've been told to keep their mouths closed.

[@abarratt8869]

@@wuffothewonderdog Probably because of the apparent delay in the fire brigade turning up. If the airport (the car park operator) didn't call the fire brigade for nearly an hour, that's probably something the insurance companies will pick up on as gross negligence. If that is the case, the airport can't afford to have its staff broadcasting information such as "yeah we all knew it was happening", true or not. There's going to be a lot of people looking for ways to not be the one to pay the bill on this, and it's going to get argued about a lot, possibly in court.

[@partymanau]

Someone will break ranks and tell the story. Patience .@@wuffothewonderdog

[@dougle03]

@@partymanau They always do, especially if the tabloid press offer enough money for an exclusive...

[@anonnona8099]

@@wuffothewonderdog > There's probably a lot of people employed at Luton Airport who've been told to keep their mouths closed. Generally sound advice for people who don't know what they are talking about.

[@spencereagle1118]

The grandmother paid £20k for her car 12 years ago. That £7k is an astonishingly good offer.

[@DavidPrescott-wx6rm]

Which insurance company do you work for 😅

[@15bit62]

Quite agree . The usual poor reporting causes confusion.

[@tonysheerness2427]

How much is the car worth now? Sometimes second hand cars increase in value.

[@Peye-pv4cb]

@@tonysheerness2427 not many increase in value, I have a 1994 charade in mint condition, it was bought by mum brand new, it's only worth about 10 percent of the original paid price, also has 25,000 km on it,

[@fs5866]

Yea i don't get what's this about, 7000 for a 12 year old car is very reasonable for a nissan juke.

[@adonisnetworks]

To be fair geoff , if the grandma had the car over a decade and paid 20k when new, then its a banger. 7k is a good offer

[@Glenn7719]

@MotorHeartAT I deliver cars, dropped of hundreds up, down and across the country the past year or so. And only the one car has broken down on me. Yep, you guessed it, a Nissan Puke, 2019 auto model, 33k on the clock, suffered gearbox failure. An absolute pile of shit, you honestly couldnt pay me to drive one again.

[@unfurling3129]

​@@Glenn7719Interesting job u have, so is that delivering cars people have bought? And if u have to deliver to the countryside how do u get back home? Genuine questions, not joking.

[@macraghnaill3553]

@MotorHeartAT The Yellow Nissan Juke belonged to someone else, she paid 9k and got 8.5k minus £300 excess

[@billgreen576]

@@unfurling3129 They get an allowance but usually try to pocket it by hitching. You see them on the road displaying trade plates.

[@Glenn7719]

@@unfurling3129 See those companies like carwow, motorway etc. The cars get sold via them to mainly dealerships, and im one who picks them up and drops them off. Self employed and i pick what jobs i want, if its not worth it then i wont take it. I look at local collections i can get dropped off too or drive there, park up and get the train back to said location. Say around £150-£200 pay for a 200 odd mile job, so id allow for £50 to get back, booking trains in advance and planning ahead reduces travel costs. All in all, say £150 odd for a days work sitting in a car driving, and half of that is getting back home on poksy public transport. Its mainly a bit of side work, been a mechanic for 20 odd years and its fucked me up, (dodgy back now) 🤕 Currently going through my class 1, as i like to been out and about on the roads.

[@2pintsofcremedementh]

Sounds like green oval trouble on all fronts today Geoff?! I strongly encourage everyone directly affected by the Luton fire to apply to the police for the Range Rover owner's details for liability purposes. Also if it does have a two digit plate, surely it's a relatively easy process of elimination to find a two digit plate matching a Range Rover fev and that has gotta be the culprit?

[@Nickle314]

Class actions are needed in the UK. I'm surprised that the PPI lawyers haven't spotted the business opportunity.

[@lewisdillon8524]

Perhaps there isn`t one if there was they would be all over it

[@moonshinepz]

they are probably too working on their "Bought an EV" campaign....

[@nickmaclachlan5178]

If this story is true, and the entitled dude gets prosecuted and found guilty for what he did, then surely he (and possibly also his insurance company) is on the hook for every penny of damage to the parking structure and all the cars in it? Hopefully this ruins him financially and he gets some jail time too......

[@certificateofvaccinationi.d.19]

And the earnings from the carpark,disruption...

[@MrMaxeemum]

The insurance company has every right to refuse payout as he purposely drove/left a flaming vehicle in the car park, it's not the car park's fault, it's not the other car owner's fault and it's not the insurance company's fault, he did it on purpose. He is what you call F#(KED.

[@rosiecatbandit]

If his car was on fire, what was he supposed to do, sit inside it until it was finished burning? He did tell staff it was on fire. I don't know why he couldn't have rung 999 though.

[@frasercrone3838]

@@rosiecatbandit You don't leave your car burning and leave! that is ridiculous. When he noticed the smoke he should have headed to the edge of the car park where hopefully being near the open air might have mitigated the damage or at the very least picked the largest concrete area away from other cars. The guy is a total knob and I can see him going bankrupt and no one will get anything.

[@markfoden765]

​​@rosiecatbandit not drive into a muti story carpark full of cars for a start,should have left it outside before the carpark

[@kevinwake8789]

There's a disabled guy who had a wheelchair adapted vehicle, he could see his vehicle UNDAMAGED, BUT WASN'T ALLOWED TO GET IT, and the people dealing with this said it's getting classed as a write off. It was in a part of the car park that didn't collapse either.

[@Nordic_Mechanic]

Criminal. Takes FOREVER to get a wheelchair accessible vehicule and they`ll destroy it

[@kevinwake8789]

@Veikra it sure is. It's bonkers writing off ALL the vehicles when there's ones that are salvageable. The bloke had just bought the citreon two weeks beforehand after 5 years of leasing it from Mobility. He said it's very hard to find a vehicle with the central console removed and the car he had was discontinued 4 years ago. Hopefully his insurance will pay the £500+ for the extra adaption of having the acceleration and brake put on the steering wheel.

[@davidvanderklauw]

This is what happens when a society promotes morons into positions of power. I blame the voters.

[@UKG-Midnight]

Often vehicles can be contaminated by the smoke and it is safer just to write the vehicle off.

[@Bigjay510]

Geoff my car was in the next door multi storey car park I had a voicemail from my insurance company explaining I wasn’t going to get paid out for my car as I’m a trader with 3rd party only insurance I had to spend 1.5 hours on phone to cancel the claim that I didn’t start Luton airport gave my reg over by mistake 😳

[@tamisarasongs]

You're lucky, our car was in the car park (Geoff mentioned me, I'm not the grandmother, the second one).

[@Bigjay510]

@@tamisarasongs we all pay our insurance then they want to shaft us when we actually need it 🥲

[@ianchalklen1047]

Whether or not this is the truth of how this started, I am amazed that they have managed to keep a lid on it; which suggests to me that there is aspects to this that are inconvenient. If the lady had parked illegally and her car was written off then of course she would be at fault; but how can they suggest that she is liable when they know the details of the vehicle that started the fire and that the car park possibly had inadequate fire suppression equipment.

[@AnnieRed66]

My insurance company put my recent claim down, as being my fault, too. I wasn't in the car, at the time, but watched the car that hit mine speed off like a lunatic. It appears to have been a pool car, for a criminal organisation, according to the police. I'm dreading my quote, next year 😢

[@timberry1135]

fault is a bad term really. what being held at fault means is that your own insurance company cannot (or are unlikely to) recover their losses, which in the case of this fire is highly likely to be the case.

[@jonathanbuzzard1376]

There is no legal requirement for multistory car parks to have fire suppression. One has a feeling that this needs changing pronto with a grace period for retrofitting of no more than 10 years and ideally much less.

[@macraghnaill3553]

as it says in the video, many people are having the same problem

[@roberthuntley1090]

@@jonathanbuzzard1376 Agree, but the sprinkler system would need to have a heating facility built into it, to stop it freezing up in winter (so more running costs and complexity which would eventually filter through to the ticket price). Another mitigation would be to build some fire breaks into the car park (e.g. something like every 10'th space blocked off and empty). Might be faster to implement on an old car park, but of course would reduce capacity and income stream so again the costs would be passed on.

[@lesliecarter4295]

Maybe the green segment on the number plate denoting EV should be changed to burnt orange so people can avoid them ! 🔥🔥🔥

[@matta5160]

In Australia EVs are required to display warning signs to warn firefighters and emergency services about what they are dealing with. EVs also need to pay higher taxes

[@michaelkent6121]

My friend’s 2 week old Tesla was destroyed in the fire. He says LV has paid out in full and even waived the excess.

[@geecars6263]

The really interesting thing is going to be claim limit/liability - if the LR driver is held liable and he has, say £20m in pl cover and the bill comes to £100m…

[@ThatMicro43Guy]

The LR driver is only partly to blame in my opinion. Yes, his vehicle started the fire but the building owners could also be classed as liable in that the building is not fit for purpose. It is a building designed specifically for storing cars for the purpose of long term parking. I’m taking it that they don’t specify whether diesel, petrol, hybrid or full electric. Fires are an accepted part of motor vehicles and so if the building is not capable of containing and/or extinguishing a fire to a limited area then I’d argue that the building is not fit for purpose. The fact that it got to the point of collapse due to the fire just underlines the not fit for purpose claim. So I’d say the liability falls to both parties, the LR driver and the building owners. I’m also presuming there was adequate risk assessments and fire plans for the car park in place which the law does require.

[@geecars6263]

@@ThatMicro43Guy By that logic if you owned a car (regardless of power source) and parked it in the garage attached to your house and it self-combusted due to a fault, destroying the house, then would it be deemed your garage/house was not “fit for purpose”, after all the criteria is the same - it’s an enclosed space designed specifically for the storage of a motor vehicle.

[@jonathanbuzzard1376]

@@ThatMicro43Guy There is no legal requirement for multi-storey car parks to have any sort of fire suppression system. Should building regulations be updated and made retrospective; absolutely but as it stands the car park was built to the required legal standards.

[@barrieshepherd7694]

@@jonathanbuzzard1376 ...and no doubt had the necessary, legal, disclaimer signs at the entrances and exits.

[@jonathanbuzzard1376]

@@icouldbewrongicouldberight you will get nowhere taking g the car park owner to court as it stands unless you can prove the structure didnt meet the legal requirements which it did. That's how the law works. I have already written to my MSP to lobby for the building regulations to be updated and made retrospective. If they can mandate fire alarms be fitten retrospectively they can mandate covered carpark have fire suppression.

[@JosephStealin]

If it is true that he told the airport and they didn’t do anything then he’s probably not the only going to prison

[@paulnewman9275]

First day of Valencia Formula E pre-season test cancelled after fire The opening day of Formula E pre-season testing in Valencia has been cancelled following a garage fire. The blaze took place shortly before 1pm local time in Spain following a suspected explosion from the pit box of battery supplier WAE (formerly known as Williams Advanced Engineering

[@EazyDuz18]

what does that have to do with a diesel range rover tho

[@paulnewman9275]

@@EazyDuz18 Just letting everyone know another monumental EV mess ,what diesel range rover ? The one at Luton was a hybrid to start with ....

[@EazyDuz18]

wheres your source proving it was a hybrid then? FYI: Facebook posts aren't proof@@paulnewman9275

[@davidbunting4045]

​@@paulnewman9275no it wasn't hybrid

[@huwtgriffiths4448]

Moral of the story don t park in multi story car parks while ur on holiday... get a family member to drop u off or go the depths of hell to get on public scumport...

[@jasonuren3479]

Geoff, you don't need to tease people to get us to watch your next video. Your stuff is great 😂👍

[@libraman1303]

Always use a dashcam, and ALWAYS sue the driver of the vehicle at fault. Never go through insurance. Done it twice…when the insured party at fault gets a summons, things soon turn around in your favour…EV’s are soon to become uninsurable….watch this space.

[@tamisarasongs]

Great advice....except our dashcams are in the car, and it's under the rubble

[@stevenvater8720]

Pissing myself Geoff, you got whole car park why you park next to me!!?? I've noticed this always happens to me as well please investigate the phenomenon!!

[@Sp_75-76]

Hopefully this will not be an issue for all us EV drivers

[@GeoffreyBurtt-Ellis]

Would you please explain to me how it was according to the insurance company " that she was at fault"? What for parking her car in the airport car park? You might say i am somewhat baffled by that response.

[@timberry1135]

because at fault in insurance terms does not mean what it sounds like. It means that the insurance company has no one to claim against;

[@george2916]

@@timberry1135 Thank you for explaining that. Because it was doing my head in too. Unless the grandmother followed a burning vehicle into the structure and casually parked directly beside it, I failed to see how she could be at fault. Then again, don't they now have someone who they could claim against?

[@Sebastianraikkonen_actualname]

Hi GBC, I don't use Facebook but hope you see this as couldn't find an email. I thought it might perk your interest the Formula E testing (open seater electric car race series) has been cancelled after a paddock explosion involving WAE (who supply the battery technology). However, this is the 3rd instance I know off, with world rally cross recently losing several cars due an EV fire and cancellation of the top class for multiple rounds. Also when Moto E debuted, a similar thing happened causing delays to the inaugural season. I've retired from racing but in the 17+ years watching and competing, I think I've only known of a single paddock fire when I ignore the existence of EVs. Quite a comparison!

[@5ebra1]

I blame the Fire Service for this shady cover up. They know what car caused this fire and should be open and truthful of how fire started.

[@derekr1113]

Do you want to go to court to prove this - please delete you lies

[@5ebra1]

@@derekr1113 Firstly - where is the lie? Secondly - have you ever investigated a fire? Let me educate you. I have investigated fires many times. The Fire Brigade scene investigators normally provide a report to the Police very quickly. Within 24 hours is not unusual. This Fire Brigade report combined with Police Scenes of crime investigators findings are used to determine if it is an accident or deliberate. The Fire Brigade say ‘how’ a fire started and if it is a crime the Police look to see ‘who’ was responsible. Why have we not been told ‘how’?

[@dubtribe1176]

@@derekr1113 So tell what is the true? Even the official communication says they "believe it was...", "possibly..." "electric fault or...". You can always believe a hybrid was a diesel, as it's half true xD

[@Neojhun]

@@dubtribe1176 Nope not a Hybrid. FRONT of L494 Range Rover Sport Diesel Non hybrid is the CATALYTIC CONVERTER. A theoretical hybrid battery in a L494 is centrally mounted in the rear near the rear axel.

[@jonathangold2087]

Should anything surprise us anymore these days? Wealthy or not, I hope the reckless ass who left his burning car in a parking garage, is held accountable, to all the people who lost their vehicles in that structure!!! This is by far the most outrageous behavior I have ever heard of! Thanks for bringing this update to our attention. Please keep us informed as things unfold. You are doing a terrific job Geoff, keep up the good work!

[@davidscole5549]

Yes I cried when I swapped my old Hyundai pony with 200,000 miles on. 1st nearly new car, 1st car I took abroad on holiday. Went to hospital in it with my wife. Came home with my wife and our daughter.

[@long_view]

Watch the insurance companies try to weasel out of full (or any) payments - despite average premiums increasing by >50%. Beware the 'sailor' one in particular.

[@brianlopez8855]

always sue your insurer if they won't pay out properly.

[@_Rustodian]

The woman in the story sounds very fortunate though. If I bought a Nissan Juke for £20k seven years ago, then I'd be happy with a payout of £7k (which apparently is the high end of current market value).

[@mella8298]

Mmm. I'm currently with 'sailor' and to stick with the theme, they are sharks. I will switch to a different company when I renew. Rubbish customer service and dodgy policies should anything go wrong.

[@TachyonDriver]

An Admirable... comment!

[@mella8298]

@@TachyonDriver 🤣

[@IolandeMelody]

Actually Geoff… I must say that I DO have an emotional connection to my fridge… it’s an American style fridge freezer with an ice dispenser and a blue LED display… I won it from an auction for £8 (true story) 💁🏽‍♀️ x

[@MalcolmCarden]

My car was in the car park level 3. My insurance company made on offer for my car which I declined, they then came back with another offer which I accepted so far so good. I now find that I have £250 excess to come off, my ncd drops from 12yrs to 4 yrs on renewal and to top it off it says my claim is me at fault, my wife and I were on holiday in Majorca at the time so how is that right?😮

[@CJMVector321190]

I had a drunk driver smash my wall and car. Both home and car insurance tripled. They were back on the road in 2 years. Insurance is crap in this country

[@Sp_75-76]

@@CJMVector321190It is A NO CLAIM BONUS not a No blame bonus

[@paulmartin3372]

Tough tit. Take the responsible party to court for uninsured losses ;)

[@charlotteclark8254]

I'd argue with the insurance company and send them what others are doing. LV, Ageas, Hastings and AA all waivering excess and not affecting NCD. That's just the few I've read about and how my insurers are now dealing with it too. Good luck!

[@UKG-Midnight]

You obviously do not understand insurance. The claim will count against you unless there is another person that your insurer can recover their outlay from. This means the claim counts against your policy as a 'fault' claim. Your No Claims Discount is impacted because you have a claim on your policy. And you have agreed to pay an excess on every claim you make. That excess is not recoverable unless another party can be held accountable. In the case of this fire it seems unlikely they will ever determine the exact cause meaning insurers will not be able to claim their monies back.

[@JenniferEKirk]

Insurance companies are often little better than thieves. They wanted to write off my car because another driver rear ended it bending the tow bar. Basically, because only the after market towbar was damaged and the car was unscathed they thought it was acceptable to try and write the vehicle off? I fought it and eventually got a payout to cover the fitting of a new towbar.

[@IncognitoChild]

If you are going to buy the EOS check to see how damp it is inside (including the boot) because the roof leaks by design!🤣😂 I attempted to buy this car on three separate occasions, even a new one and was told exactly the same thing

[@petercallaghan2948]

I agree, my second hand EOS does still get damp, I have had it 5 years, it is 16 years old, still going good.

[@Silver3ides]

13 yrs on .. I don't have contents insurance , Things are so cheap to replace these days . saved over £6k , never claimed

[@Jestey6]

A friend, who was an insurance company manager, explained insurance to the committee of my club. He said “ you do not appear to have grasped the basic premise of insurance, it is all about paying premiums, not making claims” said in jest, but true!!

[@BerndFelsche]

Truth must often be presented in jest.

[@rv_at_the_beach2603]

Very informative and entertaining, as always. Clever product placement with the mugs in the seat!

[@ztwo6179]

Because of the circumstances, nobody should be accepting any "final settlement" offers from any insurance company, unless they are getting a full payout to cover all of their losses. It's way too soon. When negligence and liability is established at some future point in time, settlements are likely to be substantially higher and reflective of loss. If you have already accepted a lower settlement offer from your insurance, then you have nothing more to get. Better to push for an interim payment if you need some cash towards buying another vehicle and then wait until liability is established. You'll stand a much better chance of getting a higher payout.... and, don't forget to use your motor protection insurance if you have it, to recover your uninsured losses such as, the loss of use of your vehicle and your excess. Remember, if you can establish on the balance of probability that your loss is another's responsibility, then you are entitled to be put back into the position you were in before the loss was sustained or as near to that position, as is reasonably practicable to do so, by those responsible and their insurer's.

[@angelmessenger8240]

Insurance companies are scammers. My daughter was hit by a woman while waiting at a roundabout. Damage to both cars. The woman's insurance company refusing to pay out and told my daughter it's because she has an 'extravagant' car, it's a hatchback, not sure of the make but it's on PEP so it's not extravagant in the least. The woman is denying responsibility. She's determined to take my daughter to court over it. My daughter is terrified, she's never been to court before and has no-one to support her.

[@glenndavis4452]

That’s why dash cams are worth the money. Almost better than a lawyer.

[@northernsouldj7591]

Except this company aren't scamming her. They're offering her 7k for a car that's worth 5-7k. She wants 20k for a car that was worth 20k YEARS ago.

[@cabbage681]

just make sure your daughter tells the truth and she will be fine, the Judge is normally really good at spotting the one lying, iv'e been through this myself.

[@angelmessenger8240]

@@cabbage681 She will, she's scared though, these cretins really anger me. Oh and it's a Honda Jazz by the way, hardly extravagant. Thanks for the encouragement.

[@jayjaynella4539]

@@glenndavis4452Better than a liar for hire for sure. Hard to contradict the video footage.

[@ic3358]

Don’t they put that nonsense notice that you park at your own risk in carparks ?

[@statementleaver8095]

Yes Who leaves sentimental objects in a vehicle?? A Fraudster!!

[@EvoraGT430]

Yes but notices like that are actually a bluff/meaningless.

[@statementleaver8095]

@@EvoraGT430 Polite way of saying.....Camera(s) are only accessible by County Courts in event of Human interaction crime. Rapes and Murders.

[@barrieshepherd7694]

@@EvoraGT430 Doubt it - bet they will be depending on them all the way to the Supreme Court if necessary

[@tamisarasongs]

@@statementleaver8095 You're calling me a fraudster??? How the hell did you come to that conclusion??? I'm not claiming for them, so where is the fraud? What you've written however is libel!

[@3204clivesinclair]

Without GAP insurance, you will never get the value you paid for the original car. And even then you have to be careful when claiming and which company you buy from. Of you are purchasing on say a PCP or finance many dealers (franchise dealers on a new car) will offer free GAP insurance - especially if you don't pay a 'dead money' deposit.

[@jeffreygoggin2849]

I've got a 12 plate Toyota yaris automatic in denim blue only done 44000 miles and I would be devastated if I lost my car because I love it

[@EliteRock]

This might explain the empty fire extinguisher near the RR, - said bell-end used it (futily) then put it back on its hanger. How thoughtful of him.

[@davyp2993]

If that is true about the entitled plonker. He should be charged with criminal damage. An sent to jail.

[@tamisarasongs]

Hi, I'm Sarah that you quoted! The mini fridge was from when we went to France and popped into Carrefour, we never got around to taking it out!

[@joydivider42]

yeah problem is all our premiums will go up due to this massive loss. Many people have a shock coming as the insurers pay book value only

[@jaspercooper1741]

It’s a 2023 Discovery Plug In hybrid. The video of front end of the vehicle is AI generated.

[@DesperateForSanity]

Surprised the guy with the flight to catch didn't have a private plane that could wait for him.

[@Megabob777]

(Canadian here) I was in a pretty bad accident in January of this year and my car was totaled. My insurance company gave me a rental for 2 weeks so I can find a new car and still get to work, I really don't understand why they wouldn't give her a rental that's part of why you have insurance in the first place.

[@Megabob777]

@@icouldbewrongicouldberight the big ones get you any way they can, just like banks

[@electraleigh]

I’ve given my 2004 rover 75 diesel a name, he’s called Roy the blue boy rover, to start with everyone thought I was crazy but now all my family and even my mechanic call him by his name. When people ask why I’ve give him a name I said it’s because he’s more than just a vehicle to get from A to B, and I thank him by name for keeping me safe and he does! So I can relate to that lady’s comment about being attached to her car. (And yes I know I’m crazy haha)

[@george2916]

Not crazy at all🤣 We traded a vehicle in about 5 years ago and I still sometimes wonder if that poor car is mad at us for abandoning it at the cold, uncaring dealership.

[@chrissymon]

@electraleigh... Ah, various folks over the years (many years) have thought me a bit crazy. They only thought it. I actually know😛

[@petejohnson1724]

If it is the bell end everyone should line up to sue him

[@jonathangold2087]

This story about the disastrous Luton Airport Multi-Level Parking Structure Fire, just gets worse with each new detail revealed! That the owner of an already burning vehicle, had the audacity to pull it into a parking complex and leave it unattended, so he wouldn’t miss his important business flight, is almost incomprehensible!!! This is recklessness to an extreme that defies credibility, and yet it happened! I hope this irresponsible jerk, is held accountable for all the damages that resulted from his unbelievably irrational behavior! Please keep us updated as this situation proceeds forward. You are doing a great job Geoff, keep up the good work!

[@brianlopez8855]

The ambulance chaser lawyers should be all over these claimants acting for them. Never believe the insurance companies, they lie without blinking.

[@nigellusby8256]

I think you will also find the insurance companies feel much the same about the claimants - "they lie without blinking". 1405 cars in the car-park, over 16000 enquiries to the MIB? go figure!

[@brianlopez8855]

All that proves is how many people were genuinely concerned about the fate of those cars for others. How generous !@@nigellusby8256

[@JustaGuy_Gaming]

I know this supposed to be a sob story about a poor grandmother... but she was on a vacation to begin with. Thats more means than most people have. All that said insurance companies always do their best to refuse to pay, or pay less than your owed. I had an apartment fire years ago due to faulty wiring in the walls. We got pennies on the dollar for every thing ruined. Have a TV you paid $600 for? Better have a recipient that didn't burn up or they won't believe you. Even if you have proof they deem it "used" and offer you like 300 or so for it if it's even a year or two old. They also tend to just write you a check for a set number for any incidental things you can't provide proof for. I think we got like 2k for all clothes my entire family lost in the fire. Simply put insurance companies are a scam that when the chips are down do their best to refuse to pay. Your almost always better off putting a bit of money away in a savings account than paying insurance premiums. Which is why the government forced people to have car insurance... Other wise no one would bother with such a stupid system that basically never pays out the money you put in.

[@Chris-hy6jy]

The fact that "the authorities" are prepared to cover up the fact that this was an electric car is outrageous! We're being lied to.

[@lewisdillon8524]

You are lying to us claiming it was an electric car when it wasn`t. There are enough gullible people on here don`t be another to add o the list

[@mathewrussell1533]

Why is it so hard for you to accept that a Range Rover caused it. Electric cars absolutely went up in the fire. But it doesn’t mean they started it.

[@Sp_75-76]

Idiot

[@EliteRock]

The RR burning in the pics seen so far is indeed a diesel. Hybrid.

[@Chris-hy6jy]

@@mathewrussell1533 when did I say it wasn't a Range Rover?

[@pauls4708]

that explanation makes sense of the picture that shows the range rover seemingly just parked in an aisle burning.He must be held 100 percent responsible .I am sure most people would NOT drive into a carpark with a burning car.And that thought would surely entitle the insurance company to say NO to his claim.Totally irresponsible

[@pqrstzxerty1296]

I researched up the reg plate with the V5. Its a red range rover TDV6 diesel 2014 L405 euro 5. They only made mild EV versions in 2014, and didnt make full Plug EV in diesels until 2021. The 2014 range rover diesel mild EV model was called model SDV6 2014. So was the V5 data wrong, looking further, there where and are Range Rovers with Ulez issues on V5 as the energy fuel is wrong for hybrids as it should say hybrid, but states petrol, diesel or even alternative (gas). Full plugins (P)EVs should state Electric on the V5. Mild (M)EVs should state Hybrid on the V5. Looking even deeper it seems Range Rovers many ones with BMW engines spontanously combust to full fire of the car, theres even a website dedicated to this, and its seems its a tiny nano fuel leak in the engine which has a recall for a part recall. There is als stories that the main dealers are registering with DVLA the first V5 with slight typo errors ie the fuel, the engine type, and model kit numbers.... so its would be quite vesable that this Ranger Rover was indeed a SDV6 M-EV diesel hybrid (to be listed as Hybrid on V5) and not what the V5 states a TDV6 Diesel. As its a euro 5, both would not pass for Ulez exemption as this minimum for diesel is euro 6 and petrol is euro 4, or the full EV called a plug in EV, ie a P-EV, and then it has to be listed a fuel type = electric on the V5 to get Ulez exemption. Ie presently in 2023 some people with Range Rovers are stating they getting Ulez fines FPNs finding out their V5 has wrong specs on it. TFL state people to moan at DVLA to get the V5 corrected but the Ulez FPN still stands to be paid.

[@Sp_75-76]

You want to be careful, you will get yourself a bad name doing research to try to get to the truth, (nice piece)

[@malcombe7001]

Where did you get the registration from?

[@pqrstzxerty1296]

@@malcombe7001 The national news video of the car on fire. A high quality version shown in the video

[@dubtribe1176]

I did some checks on Range Rover Sport from 2014 on DVLA database and you are right, some have fuel type totally wrong, for example diesel-hybrid has it stated as 'petrol', these from SDV6 from 2015 are 'electric diesels'.

[@Sp_75-76]

@@dubtribe1176 please give example registrations

[@IvanovichIvanov]

sorry for these people but hope it will help them to open their eyes and better understand of how the sytem works and what ordinary peaople place (role) is

[@davidgriffin2918]

Would love to know if that person who did that , was a college graduate ? I bet yes

[@adamwort7160]

More rolex watches in that car park than in circulation

[@davidbarlow350]

An entitled knob in a Range Rover? No,i don't believe it!

[@thamesmud]

Most of us quite like Geoff 😊

[@davidbarlow350]

@@thamesmud You did watch the video?

[@2760ade]

@@davidbarlow350 Oh dear! Straight over your head.

[@mella8298]

@@2760ade LOL!

[@leahwalker2563]

The rear lights were on still on that burning range rover, the lithium battery under the front passenger seat caught fire, the hottest part of the fire can be seen on the floor of the car park, lithium battery fires cannot be extinguished, the batteries can only be cooled down with copious amounts of water, there was an empty fire extinguisher left behind the car, this would be useless against a battery fire, i think this car was a evoke hybrid.

[@johnelliott9415]

This story gets more fishy by the dayday, as to the cause. I think we all know.

[@johnmalin1676]

More to the story about the grandma who brought the £20,000 car Geoff, That is what she paid for it new of the fore court. What you haven't mentioned, is that the car was 4 or 5 years old (can't remember the exact year) but, insurance companies, will only offer market value for the car in question, not what she paid for it 5 years ago, so the offer was probably more to do with it's current value. Obviously, car insurance companies, always offer the lowest book price on market value, but this is usually a first offer, which can be challenged. Then more often than not, they will increase the offer to mid book price. Also regards the other insurance claims, claiming they lost this, that and the other. We all know people hike it, when they are making there claims, After all, who would genuinely leave valuable's in a public car park when going on holiday ? anyway, love the content pal, and keep up the great content from a fellow Brummie 👍👍

[@garypowell1540]

Sorry just to finish the story off. When the guy came to pick the hire bike up I asked him how much the insurance company had been billed for each of the 29 days I had had it? His reply was £187 per day. That was £5423 a month simply while the company decided to write mine off. Which was slightly more money than I got for my entire bike. Just this part of the claim alone I estimate that the total bill to the underwriters was well in excess of £20,000.

[@EvoraGT430]

Another insurance rip-off that we all end up paying for.

[@katrinamoore3520]

I have seen Brown envelopes passed to repairers for the business they supply to the loan car companies. I have heard of pre paid credit cards also being handed out. Courtesy cars are big business. Without prejudice or course.

[@Schlipperschlopper]

According to the new Schlabubvvo laws sadly soon all gas cars will be fordbidden and only EVs are allowed to drive on public roads

[@cirian75]

The Daily Mail article is slightly misleading, the car was £20,000 when bought 7 years ago, so will be worth less than £20,000 now. But the owner is NOT the one at fault, its faulty Range Rover that is at fault, be it the caused by the owner or car maker, they are the ones at fault.

[@cirian75]

@mightywatcher5894 yes, why would I get £5,000 for the 15-year-old car I paid £5,000 for 10 years ago, it's worth £500.

[@MelandraSmith]

Very true that people love their cars - we give ours names and our children feel very affectionate about every vehicle we choose.

[@fredfred2363]

Informative and entertaining! About as good as it gets.

[@petermitchell6348]

What the hell is the point of car park owner' insurance, when the said owner is not accepting responsibility for vehicles left in his care? If a car park owner cannot guarantee the safety of your vehicle, as part of your contract with him/her, then in my opinion they should not be allowed to trade.

[@DavidMartin-ym2te]

The disclaimer is the first line of defence for the car park owner. If that fails, because a loss was demonstrably his fault, say, he has liability insurance - he cannot escape liability to third parties. The insurance is for him, NOT you. He says what his liability is for your car when you park there. It is up to you to accept that contract for the price charged or drive out. Your choice. Welcome to the real world; if they had to "guarantee" everything, you would have no car parks at all. It's no different from the Tesco etc car parks.

[@brandycat8513]

Fairly simple question. Luton airport bosses and others know for sure. What was the make and model of the Range Rover that started the fire?

[@paulinmazurek2769]

So that must be the guy they arrested for criminal damage who since has been let out on bail.It’s becoming clearer now didn’t make sense at the time .

[@Cayres9]

The 2 Digits were F and U lol that was the attitude of the driver by looks of things lol

[@paulie-Gualtieri.]

Geoff the C word is more appropriate for the electric car owner.

[@michaelsimpson9779]

Thanks Geoff. Love your work.

[@captainotto]

I'm glad those EVs have the green stripe plates. At least it's easy to see who not to park next to.

[@mella8298]

Agree but in this case, the whole carpark went up in flames so even if you parked as far away as possible, there's a good chance your car would go up as well. Futile.

[@captainotto]

@@mella8298 Yeah definitely not perfect but I’ll still take it!

[@jsas49]

I agree with you that we get emotionally attached to our cars... So why rubbish those of us who want a nice numberplate 😮

[@sladehelicoptersgaming3148]

Well if they were very wealthy ? They won’t be for much longer 😂😂

[@PeteTheL337]

It seems silly at first when you think about it but it's true. We get a connection to some cars. I got one to my old car that I just sold. It was my first own car(late to the party), it transported my daughter back from the hospital after she was born premature, it always worked, always went, and was dirt cheap in maintenance and fuel. So many fond memories of that little car and I will miss it even though my new car is more advanced, better driving, a lot faster, and much more luxurious. I doubt my new car will feel like it has the same soul as my old one did. May the little bugger make someone else happy as well.

[@Kaylee911]

These insurance companies should be named and shamed

[@mechanoid5739]

with that many cars involved it's probably all of them.

[@robertedwards1543]

Excellent post..Our 2014 RRS 3.6TDV8 has a mini fridge.

[@ogasi1798]

insurers never change - they will get wrecked by a law firm surely , gonna be interesting watching this play out

[@theslimeylimey]

There should be a free arbitration hearing for people in these situations with fines of a minimum 10x the real claim value if insurance companies attempt to commit fraud and theft like this. They only abuse people because they are allowed to do it.

[@disband_thebbc5933]

Well whats the point of car insurances then? May as well drive a banger and keep enough to replace it in the bank.

[@philipjackson3127]

Still need to insure it though, last time I checked tpft was no cheaper than fully comp

[@tyrantwitness2482]

Two digit number plate! How much for a two digit prison tag?

[@TheWacoKid1963]

People haven't read the story of the old biddy properly, she paid 20 grand SEVEN YEARS AGO for ir lol 7 grand is/was it's value NOW

[@kieranokeeffe1363]

The worlds so mad, I wouldn’t be surprised if that’s true Geoff Brilliant channel, brilliant followers also 👏👏

[@bigcrowfly]

There are different qualities of insurance. Maybe she got cheaper insurance that was cheaper because it covered less.

[@SentinelSays]

I'm afraid you can get the best insurance going, and they will still stuff you willingly and legally at any possible opportunity. I was insured with Hiscox (probably the best insurance company by rating and customer reviews) and another car slammed into the back of me while I was stationary at traffic lights. It causes serious structural damage and took nearly 4 months of repairs before they threw in the towel and wrote it off. In that time, I was eligible for a hire car (and I paid extra a year for a hire car upgrade pack with my insurance) and they made excuse after excuse of why I couldn't have one. They also said the other drivers insurance refused to open negotiations in terms of liability, so my insurance put it though as "At fault", because they settled the claim; they later told me that if I wanted that changed, I'd have to take legal action at my own cost against the other insurer.....something that my legal cover with Hiscox was supposed to cover and was written into their T&C's, but they refused. They then offered a pathetic settlement that didn't even cover market value at the time, and as the car was less than 12 months old at the time, Hiscox says they give you the full amount paid when new in settlement. They claim that doesn't apply if another insurance company doesn't pay their liability, funnily enough their own terms don't mention this. It's now in the hands of the insurance ombudsman and I swear I've aged 3 years in the last 7 months. Moral of the story? Always remember that Insurance companies don't care how it affects you, they care about their bottom line. Just the way it is.

[@byteme9718]

All insurers are the same when it comes to regulation.

[@Ade2bee]

When it comes to insurance, I’ve never accepted the first offer that they’ve given me, I just go through the Auto Trader screenshot Cars with my mileage and my value that I think is acceptable and they’ve always accepted my evidence and paid me out what I wanted

[@ciarancosgrave]

He may not be very wealthy for much longer.

[@Mr.0.007]

Well done about the price of 2nd hand cars gone up 😉👍🏻👏👏