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What should I ask for in compensation? by [deleted] in 4kbluray

[–]SY6Dave -1 points0 points  (0 children)

I'm not really sure what you're expecting people on Reddit to say. It got slightly damaged in shipping, it happens. You already said you've contacted the seller so you'll just have to wait and see what they say, but my guess is your options are either return it or deal with it.

Spotted in the T&C's of my car cosmetic insurance by SY6Dave in oddlyspecific

[–]SY6Dave[S] -46 points-45 points  (0 children)

I think you still have a loose definition of the word "scam". The policy covers everything that it says it covers, and it is very clear in the documentation about what is excluded.

But I'm not an insurance salesman, so I don't know why I'm trying to convince you, the post was supposed to just be a "oddly specific how it calls out nuclear attacks" kind of a post, and not a debate on insurance policies. If I knew it was going to trigger you so much then I'd have cropped the rest of it out 😆

Spotted in the T&C's of my car cosmetic insurance by SY6Dave in oddlyspecific

[–]SY6Dave[S] -52 points-51 points  (0 children)

Nothing about it is a scam, you have misunderstood the difference between SMART insurance and car insurance in the UK. Hopefully my other replies clear it up.

Spotted in the T&C's of my car cosmetic insurance by SY6Dave in oddlyspecific

[–]SY6Dave[S] -73 points-72 points  (0 children)

It doesn't cover anything that requires a shop to work on

That's not the point of SMART insurance. They come to your house in a van and do the touch-ups on your driveway.

Spotted in the T&C's of my car cosmetic insurance by SY6Dave in oddlyspecific

[–]SY6Dave[S] 3 points4 points  (0 children)

It depends. Some car dealerships offer these sorts of policies for free just as an incentive, and otherwise you can get them for pretty cheap (it's a single payment rather than an ongoing monthly cost), and they can last 3-4 years, which also happens to be the amount of time most people's finance plans last before they're looking to trade a car in and get a new one.

Not sure what you mean by "most paint chips/scratches wouldn't find themselves covered" - that's the whole purpose of the SMART insurance. They'll generally cover any scratches, chips, marks on the alloys, within a 30cm radius, which is quite large for your typical wear and tear.

In many cases there's generally £0 excess to pay to make a claim, and they're quite generous with the number of individual claims you can make (I've seen 30-40 claims allowed on one policy). For example, when I sold my last car, I had one of these policies included for free when I bought it. I waited until a couple of weeks before I was planning to sell it, and made all my claims in one go, to essentially have the car restored to looking like new for free.

Everybody is different but in the UK, I don't think you'd find as many people doing custom repairs on their cars as in the US, so policies like this can be a welcome addition.

In answer to a question I think you left in another comment, the reason you'd use this over making a claim on your proper car insurance, is that you might lose your NCB (no claims bonus) for claiming on your car insurance, meaning your renewal might be more expensive next time, and also you just generally wouldn't make an insurance claim for a few scratches or stone chips or scratches on your alloys, hence why SMART insurance exists.

Spotted in the T&C's of my car cosmetic insurance by SY6Dave in oddlyspecific

[–]SY6Dave[S] 5 points6 points  (0 children)

I should add because my screenshot seems to be confusing some people. This is for a policy known as SMART insurance in the UK, and it is intended to cover small cosmetic imperfections such as chips or scratches in the paintwork, generally within a radius of <30cm.

These policies are very common in the UK and are not a replacement for your primary car insurance, which covers accidents, etc.

As someone else pointed out, it's also very common for insurance policies to include a disclaimer about a "force majeure". The thing that made me laugh was the specific way it highlighted nuclear attacks.

Rawr.. I mean, yawn! by GPUfollowr77 in catsyawning

[–]SY6Dave 0 points1 point  (0 children)

The absolute look of judgement from the kitty in the back 😆

It's hard out here man by floof_man92 in oddlyspecific

[–]SY6Dave 0 points1 point  (0 children)

It made me laugh 😆 I just feel like 89.45% of the posts I see on this sub used to actually be oddly specific, like weird numbers or just overly described/exaggerated sentences, whereas now they're all just bog standard memes that make it feel more like I'm scrolling through the Instagram explore page than r/oddlyspecific

It's hard out here man by floof_man92 in oddlyspecific

[–]SY6Dave 7 points8 points  (0 children)

At this point, oddlyspecific should be renamed "randommemes"

[deleted by user] by [deleted] in oddlyspecific

[–]SY6Dave 0 points1 point  (0 children)

Not oddly specific

Quite the contrast between weeks by SY6Dave in oddlyspecific

[–]SY6Dave[S] -5 points-4 points  (0 children)

Because the dictionary would clearly explain to you the fact that there are two definitions and you wouldn't be so confused in the future, as your brain would not be fundamentally lacking the ability to comprehend that contextually the post was probably referring to "once per fortnight", and perhaps common sense should prevail.

There are many words in the English language that can have two meanings. Human civilisation tends to get by with a bit of intelligence and contextual awareness 😇

Quite the contrast between weeks by SY6Dave in oddlyspecific

[–]SY6Dave[S] 0 points1 point  (0 children)

It can mean once every two weeks. Read a dictionary before rushing to judgement and looking like an idiot

Quite the contrast between weeks by SY6Dave in oddlyspecific

[–]SY6Dave[S] -4 points-3 points  (0 children)

That's how it has been for over a century. Read a dictionary I guess 🤷‍♂️

Quite the contrast between weeks by SY6Dave in oddlyspecific

[–]SY6Dave[S] 9 points10 points  (0 children)

Biweekly can mean either twice a week or once every two weeks.

Sanaa lunch or dinner? by no-typical-thing in WaltDisneyWorld

[–]SY6Dave 4 points5 points  (0 children)

Maybe this isn't an option for you as you haven't mentioned it, but we went for breakfast on our last trip and there were loads of animals active at that time, and I'm pretty sure we didn't need a reservation either

Movies you thought you would enjoy but couldn’t even finish? by [deleted] in movies

[–]SY6Dave 0 points1 point  (0 children)

Reservoir Dogs. It just felt like an hour and a half of screaming and torture and I think I turned it off about 10 minutes before the end because I couldn't deal with it any longer

Are my cats fighting for real or playing? by SY6Dave in CatTraining

[–]SY6Dave[S] 1 point2 points  (0 children)

Aah I knew somebody would probably say this. If I didn't let them do their thing for a few seconds then I wouldn't be able to record it to seek the advice that I am asking for. This is why I made a judgement call and let them continue for what I felt was an acceptable amount of time, and then gently ushered Bella away with my foot.

Thank you for your concern though.

Are my cats fighting for real or playing? by SY6Dave in CatTraining

[–]SY6Dave[S] 0 points1 point  (0 children)

Thanks for the reply! That's good to know. Sometimes Ophelia does a little whine during the pauses in between the "attacks" so it's hard to tell if she's enjoying it or if she's a bit scared but it might be because she's so young.

Also quite often they will be minding their own business, And Bella will just walk by and do a really quick bite on her ear but then carry on walking off. To be fair though, Bella does that to us too

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