chrisp65

But why would it be excess? Surely it would be his as it's 100% his fault. My car was parked and he bumped into it. Surely the claim won't affect my no Claims or excess? why? Personal experience. Different insurers have different attitudes and different small print and once you are dealing with them, with some of them, logic doesn't always win the day. I've been with Axa for a few years - they aren't the cheapest, but if and when there's a question or a claim they play it straight. Excellent no quibble service for me. I found the AA on the other hand, started pulling out sub clauses from an early draft of the magna carta to dick me about with. You're right, you shouldn't need to worry about no claims and excess but have a quick read up on what you've got first. I'm absolutely no insurance expert, I just know after 30 years of driving that what looks like a straightforward policy sometimes isn't. Perhaps phone the number of the company of the van and have a word. if you get an instant confession and apology they might want to just give you a quick bit of cash to close it down. Equally, they might claim absolutely no idea what you're talking about. You'll get an idea of how awkward they will try and be? Anyway, best of luck, it's a pain in the nuts.

Find out the cost of repair. If mates rates makes it cheap enough to avoid the hassle, its annoying but that's possibly the way to go. Also, how good is the no claims? Is it protected so you've got a 'free claim' as it were without losing your no claims? What's your threshold for claims? If you have to pay the first £200 due to your excess and the repair costs £250 you might as well pay it all and leave the insurance alone? You need to get a quick estimate from your mate and read up what insurance you actually have.

wrong end of the wrong stick with that photo, they were highlighting their plight in a protest but hey, let's not bother with research when we like looking at that sort of stuff

Cardiff city centre on a weekend evening is certainly a cultural sight to behold.

Roses are red, Violets are blue, Show me your fanny Never worked. Yet. there's one out there Xela, there's one out there, somewhere

I was allowed to have my roast beef dinner on a tray, in front of the telly! (I did cook the dinner, so it an easy negotiation)

and I'm just going to pop up the garage to get my last two tins of imported by me Cisk lager was keeping them for a special occasion, this is it

well done, and actually worth watching so a real bonus my bro was at the game, every time the camera showed him he was dicking about with his phone

I ended up enjoying that.

talk through your mouth Robbie, give your arse a rest

I dislike Robbie Savage more every time he draws a breath

come on thennnnn

Hints of 'House of the Rising Sun' here? https://www.youtube.com/watch?v=dWfGMkQmyPE just a bit

https://www.youtube.com/watch?v=QAlomfDIk3E

Since when did Stef work in a speedy gonzales cartoon ? I was disguising my voice! It was part of the clue it was 'us'. It was kinda part of the joke. Nevermind, I'll just go and stick my beef in the oven.

a hushed silence falls over Leicester as they fear...the new manager bounce

Give us the phone number, we'll phone in with bogus i.t. problem and drop clues about the score. 'Hello senorita? yeeees, sherwood appreciate your heeeelp, IT'S **** 2:1!!!! we're gonna do it!!!!! I can't get my mouse to work, any ideas?'

M&S Percy Pigs are made in Germany and therefore auto trump all other efforts. It's like a crazy dream ticket, jolly little pig shaped sweets, made in Germany, sold in M&S.

Can I join in the stars in pubs thing? When I worked in a bar, Bernie Winters, Schnorbitz AND Isla St Clair all came in together.

Did you get over to Sheppey and see the big new wind turbine? I've been up that and had a look out of the top!

Yesterday's Guardian had just over half a page article saying that the killer had a section on his facebook that was specifically anti all religion and that his favourite film which he watched repeatedly was Falling Down. They were suggesting it clearly was a hate crime from somebody that self declared hated religion. Guardian yesterday: But I have to say, in the grand scale of things, that story is unfortunately minor in comparison with recent Boko Haram massacres. In terms of relevance to the UK, it's minor in comparison with somebody spraying bullets into a cafe holding a discussion on freedom of expression.

You've got to have the wacky home shirt once every ten years or so imo. The famous Hummel one linked above, the purple(!) NTL one with no blue whatsoever, the stripy one from the 2000 cup final. I think we are overdue a weird one actually. I heard that if we stay up we're having a white shirt with a cock on it next year. No pallet photo yet though so could be rubbish talk.

I keep meaning to go to the Maritime museum down there, timing never quite works out. Fascinating area, I stayed at a pub a few weeks ago that Charles Dickens had also stayed at a few times. I'm working on a building at the moment down around there that has listed status. The items specifically named in the listing are the bullet holes and strafing in the brickwork from an early zeppelin raid. Yeah, I know, really interesting!

Sharknado!