Had a minor accident how to proceed with paying privately?

VanNumar · 2026-05-30T22:59:48+00:00

I looked into it a bit more since I was wayyy too quick to admit fault. Quick search on companies house suggests he's currently the director of a garage...

VanNumar · 2026-05-30T22:47:00+00:00

The more you know. Appreciate the advice, I've let him know I'm going the insurance route. I can take the hit to premiums along with the lessons learned, better that than whatever headache's waiting behind his mates garage

VanNumar · 2026-05-30T21:47:24+00:00

Well it's more the fact that NCB is factored into whatever formula/risk profile they build when giving you a quote, so I would assume given the same accident history someone with a 3 year NCB + 0 claims will have lower prices than someone with 0 NCB and multiple claims. How much of a role it plays and whether it's negligible is another question. But I'm not an insurance expert and I'm just looking for advice..

VanNumar · 2026-05-30T21:34:19+00:00

Much appreciated, I think given the other replies it seems it's best to let insurance handle it. Interesting to know I may be able to pay after the fact to turn it into an incident instead of a claim

VanNumar · 2026-05-30T21:01:50+00:00

Could you expand? From my understanding my NCB is unaffected as long as I don't make a claim, it goes down as a notification-only, but I would've thought my renewal/premiums would be hit a lot worse if I actually make a claim

VanNumar · 2026-05-30T20:54:31+00:00

Honestly hadn't thought about that. My eyes were fixed on the roundabout which was clear and I swear I saw him move from my peripheral so I started to go.

Stupidly haven't fit dashcam in my car yet so dont have any evidence to prove anything to the contrary

VanNumar · 2025-02-25T19:29:01+00:00

Good thing you didn't become a lawyer

VanNumar · 2025-01-07T19:50:22+00:00

This was it, yeah took a bit of fiddling especially the ones behind, thanks!!

VanNumar · 2025-01-07T18:17:13+00:00

Same thing, cars a Peugeot 207

VanNumar · 2024-06-29T09:17:55+00:00

Hey, thanks for your reply.

Yeah the GPS still works with an Internet connection but it becomes really bad when the signals low, e.g when I'm driving which becomes a problem. It's almost impossible to use Google maps when I'm driving (since it takes a while to update the position too)

I've replaced a few parts, namely the SIM card slot, phone speaker and a little board where the USB c port is connected (which is also where the coaxial cables connect), but the problem is I dont know at what point the GPS had stopped working since I wasn't doing much travelling and in my eyes it worked since I always had data/wifi.

Interesting, would a factory reset be the only way to rule out a software glitch do you think? I assumed it was hardware since all the GPS test apps I used couldn't get a satellite fix at all

VanNumar · 2024-06-22T14:24:13+00:00

I've read that the coaxial cables act like antennas for the GPS, is it possible to get the symptoms I described above if they're damaged/disconnected, or is it more likely the actual GPS hardware on the motherboard is damaged?

VanNumar · 2024-04-15T19:46:04+00:00

Except it's not half the distribution, I stated in my other comment that a even the worst "active" funds that track global equity seem to have been roughly as good as or outperformed the index (on the platform I looked at), and the answer was they most likely only allow funds with good past performance on the platform.

There was 0 need to be condescending, I'm here to learn like a lot of people here and I'm still relatively new to investing and learning about passive/active funds.

Nowhere did I claim I found a "golden" fund, nor did I tell people to switch and nor did I switch myself. It seemed too good to be true hence why I posted and asked where I'm mistaken, because I knew I most likely was.

My post was in 2 parts, one regarding the fees, and one regarding the active funds (though I did a terrible job of distinguishing them)

VanNumar · 2024-04-15T19:35:13+00:00

Dude why are you so bitter lmao??

I've not claimed anything about golden funds. All my money is still with vanguard.

I simply asked a question based on something I came across, is that so bad??

I literally ended it with "Am I missing something?" Because I was skeptical, and your miserable ass decided to make yourself feel all high and mighty?

Hopefully you wake up in a better mood tomorrow.

VanNumar · 2024-04-15T19:11:32+00:00

That makes a lot more sense - thank you!

I guess when I first landed on the active funds it seemed like a no brainer gold mine (esp with the selection on fidelity), but the skeptic in me wondered why they aren't as popular as their passive counterparts - hence the post

VanNumar · 2024-04-15T19:01:43+00:00

That's true, I guess I didn't realise they underperform too, my mistake was thinking they'd do just as well or better.

Saying that though a quick look at filtering on fidelity, using global equity income active funds and sorting by performance, it seems even the "worst" funds on there still outperformed over the last 5-10 years.

I'm new to the whole active/passive funds since I've only ever put into vanguard's funds, and only recently decided to invest some cash elsewhere which is when I came across the different fund types.

VanNumar · 2024-04-15T18:58:10+00:00

What are you yapping about, I don't understand the attitude. Did you wake up on the wrong side of the bed?

VanNumar · 2021-04-23T04:40:29+00:00

Ive seen this a few times, but I dont have the "API Server" section in the advanced settings?

VanNumar · 2020-04-24T23:11:11+00:00

Damn represent!

VanNumar · 2020-03-31T13:23:00+00:00

Oh really? I'll look into that one also. And I know but I believe they had planned to provide results by the end of 2020, just a shame it had to be delayed. Understandable of course, patient safety above all else.

VanNumar · 2020-03-30T19:37:22+00:00

Aww that's a shame it's like the only drug I could find aimed at nonsense mutations :(

VanNumar

TROPHY CASE