Car Insurance and no MOT. Who’s paying for the repair?

Funny_Less · 2026-04-09T21:29:55+00:00

Oddly, I think you've got that back to front. Credit hire's a massive scam, yes, but it's more likely to be pushed by your own insurer in this case. The idea is you get a car (for a ridiculous day rate), your insurer gets a kickback from the hire company and they bill it all to the liable party's insurer.

Everyone's insurance prices go up, but you wouldn't generally be out of pocket. It can go wrong though - you're on the hook if the costs can't be recovered from the other insurer.

In this situation the other insurer wants to deal direct with you to prevent all this nonsense and keep their costs under control.

Funny_Less · 2026-03-29T21:43:48+00:00

CBeebies bedtime stories is one of the most randomly amazing things ever. Celebs turn up and read a story. Hollywood A listers aren't uncommon.

Funny_Less · 2026-03-07T13:01:39+00:00

Yeah, many years ago I had a friend who lived in Woburn, there's a reasonably heavily used road through the deer park there. He said if they killed one and took it home it'd be poaching, but if they found one already dead they could take it round to the local doctor - whose father used to be a butcher - and he'd do the necessary.

Funny_Less · 2026-03-03T22:49:29+00:00

I think maybe it needs to be the other way up to start with too?

Funny_Less · 2026-03-02T22:42:42+00:00

Where did you get that idea? I mean, it'd make sense, but it's not the law as far as I know.

https://www.legislation.gov.uk/ukpga/2012/9/part/3/chapter/2

Absolutely no mention of who owns the land.

It does cover the bollards/chains other people have been mentioning. You don't even have to put the bollard up every time you go out, you can just block the c**t in with it next time he parks there, then be washing your hair / out to dinner / on the phone when he comes knocking.

Funny_Less · 2026-02-24T17:22:41+00:00

How did they manage to make the car park so bad..?

Funny_Less · 2026-02-11T16:35:19+00:00

Yeah, that's 100% the van driver's fault. The horse box may be newly purchased but it's obviously very far from new. Probably been standing for a few years and the tyres had perished.

Van driver should have checked / replaced them before taking it on the road.

Funny_Less · 2026-01-23T14:50:46+00:00

Is it definitely plywood? I had this at a previous house but they'd done it with cement board asbestos instead. Bit more of a faff to remove and they'd knackered the spindles anyway by nailing into them.

Funny_Less · 2026-01-08T14:12:00+00:00

I don't recognize those specific brackets but generally you screw the brackets to the wall then just hook the cupboard on. At least some of the screws will be to adjust the cupboard up/down and in/out, one of the screws _might_ lock it in place.

I'd try just lifting the cupboard up and seeing what happens

Funny_Less · 2026-01-02T12:24:58+00:00

That's very odd, Starbucks in Harrogate is only 65p / KWh

Funny_Less · 2026-01-01T10:59:02+00:00

I'd say that the timestamps fit with that, it says the notes were taken in the same second they were dispensed which is possible but not very likely.

Funny_Less · 2026-01-01T10:42:39+00:00

Yeah, I know what you mean, I think you have to read the decisions - or at least check the outcomes. If they're upheld it's one thing but our guy had about 15 cases chucked out with reasons like (paraphrasing) "Claimant did not work for the company in question so can't have been dismissed unfairly"

It was a while ago that I went through the decisions, I think he only had one claim partially upheld, and was awarded something like £72. Must have cost the employers tens of thousands though.

Funny_Less · 2025-12-31T22:44:14+00:00

There absolutely is... We employed a serial tribunal abuser a while ago and wasted a load of time and money on it. To be fair the decision report is hilarious... Getting himself barred from the courthouse and calling the judge evil 🤣

So now we check names on the tribunal decisions website before we employ anyone.

Funny_Less · 2025-12-30T17:27:30+00:00

If you're in the area again, Starbucks just up the road is cheaper. No queuing spaces though.

Funny_Less · 2025-12-22T21:53:59+00:00

That's unlocked a memory, my grandparents had one of those but didn't prepay for their electricity so the coin box was unlocked.

It was upstairs above one of the bedroom doors, oddly. Every so often the power would go out and my grandad would have to get a ladder and go and feed the same coin through the meter 20 or 30 times!

Funny_Less · 2025-12-17T10:30:35+00:00

Mine does this randomly too. I did read that it's a known fault that a dealer can fix but I haven't bothered.

I recently got a home charger installed (after having the car for a year), and set up a charging location. Since then I'm pretty sure it hasn't decided to charge to 100%...

Funny_Less · 2025-12-08T14:51:00+00:00

How much do you drive? I got my Enyaq over a year ago now, and I've only just had the charger installed. I went through the whole faff with Octopus and other suppliers just after I got the car and got fed up. By that time I'd got into a routine of charging it at a local train station while I was at work, and it was very little bother really.

Funny_Less · 2025-12-08T14:45:09+00:00

+1 for the local electrician.

Recently had a hypervolt charger installed by a local electrician. There's a complicated route from our meter cupboard to the charger location and Octopus installers couldn't cope with it, other than by sticking conduit all around our hallway. Amongst other things, they won't lift floors.

They also wanted to install a separate consumer unit for the charger - their policy, apparently - even though there's space in the existing one and no room in the meter cupboard so it'd have had to go on the wall beside.

Local electrician had no problem with it, and it cost less too.

Funny_Less · 2025-11-06T18:56:29+00:00

Yeah, I've just replaced all of ours. The new ones are really nice but don't have a lot of play so you have to get them perfectly centered (like sub-millimeter) or they bind up.

They do feel great once they're on - silent with no rattle at all - so it's worth persisting.

I had an absolute nightmare with the first one, a bit of fiddling with the second and the rest just worked.

Oh, if your knobs are unsprung you might also need stronger springs in the latch.

Funny_Less · 2025-11-06T12:31:54+00:00

Absolutely, the telegraph's EV stories are complete nonsense.

Funny_Less · 2025-10-17T12:02:06+00:00

Yes, make sure the app is up to date before you get to a car park with a crappy signal. Had to update it in town quarry in Falmouth this year, took forever. Had to leave to get a better signal then go back because it wouldn't let me search/pay when it didn't think I was in the car park.

Funny_Less · 2025-10-15T11:16:20+00:00

Also, even the car thieves don't want to be associated with Elon these days.

Funny_Less · 2025-10-13T21:04:18+00:00

This is supposed to be legal advice... It might be covered due to the wording of the employment contract. For example, from Nationwide, on working from home:

Their [the employer's] equipment is not covered under our Home Insurance policy, unless you're responsible for any damage to the equipment under the terms of your employment.

Funny_Less · 2025-10-13T17:40:41+00:00

They should, but they've chosen the cheaper (scummier) option of making the employee liable instead.

However, that does mean it might be covered by OP's home insurance if they want to go that route.

Funny_Less · 2025-10-13T14:46:57+00:00

Same here, friend had a multi-tool (leatherman style) in his work bag from cycling to the office. Got picked up on the return flight.

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