March 31, 20215 yr Sadly it sounds more like an insurance company trying to find a thin reason to wriggle out of a claim. How can an undeclared CCJ for a parking ticket be relevant to a building claim? I am surprised the guys own house insurance did not pay to take the builder to court, even if it bankrupted the builder and he had nothing left to pay anything there would be some sort of satisfaction in that. It makes me glad my PL insurance is no longer with Direct Line. (though they did pay out for one very small claim many years ago)
March 31, 20215 yr Author 1 minute ago, ProDave said: How can an undeclared CCJ for a parking ticket be relevant to a building claim? In fairness we don’t know what the other 2 CCJs were for but you always have to declare everything when you take out an insurance policy. It’s like people who take out travel insurance and don’t think to mention a health issue they’ve had in the past, meaning that when they have health problems on holiday they are not covered.
March 31, 20215 yr 1 minute ago, newhome said: In fairness we don’t know what the other 2 CCJs were for but you always have to declare everything when you take out an insurance policy. It’s like people who take out travel insurance and don’t think to mention a health issue they’ve had in the past, meaning that when they have health problems on holiday they are not covered. How about the other CCJs could relate to previous sub-standard work? The guardian are only publishing the parking ticket as that has no bearing on any claim.
March 31, 20215 yr Author 48 minutes ago, daiking said: How about the other CCJs could relate to previous sub-standard work? The guardian are only publishing the parking ticket as that has no bearing on any claim. Yep exactly!
March 31, 20215 yr Had a car insured with DL, was painful getting a claim settled, took about 18 months. A company best avoided. Think they were part of RBS once, and we know what shites they turned out to be.
March 31, 20215 yr Gosh, I do feel for the family, devastating. I know someone who had a ccj against him and he did not know till he wanted a mortgage and he is a financial advisor ?. Again it was over a parking fine. Perhaps the family didn’t have legal cover which should cover sueing the builder.
March 31, 20215 yr How can you NOT be aware of a CCJ against you. Were you not notified by post of the proceedings so you could attend? and then notified of the outcome?
March 31, 20215 yr 48 minutes ago, ProDave said: How can you NOT be aware of a CCJ against you. Were you not notified by post of the proceedings so you could attend? and then notified of the outcome? With the chap I knew he moved from London to Bristol and the correspondence didn’t follow him. My daughter also had a fine to pay (wrongly IMO) and moved house twice in a short period, eventually it did catch up with her and a £24 fine turned onto several hundred (bailiffs fees etc) I went to court with her and explained the circumstances and the fact that “they” failed to find her address but the court did find her. The judge said that happened quite a lot and reduced her fine to the original £24.
April 1, 20215 yr 14 hours ago, joe90 said: I know someone who had a ccj against him and he did not know till he wanted a mortgage Years ago that happened to me too. Turned out it was a remnant of living in a shared student house and I'd never seen any correspondence about it.
April 1, 20215 yr A pub I St Agnes had a kitchen fire. Insurance did not pay out as the landlord failed to mention he had been bankrupt a few years earlier. Just goes to show how poor at risk assessments actuaries are. In statistics you have to know when a past event can change the probability of a future event. This builder may have a CCJ against him as the last two buildings he worked on collapsed. He may also have a lot of assets to claim against. I do think it is up to the insurance broker/agent to make sure it is absolutely clear what needs to be declared and checked out. What is the point of them if they don't.
April 1, 20215 yr Author 47 minutes ago, SteamyTea said: Just goes to show how poor at risk assessments actuaries are. In statistics you have to know when a past event can change the probability of a future event. This builder may have a CCJ against him as the last two buildings he worked on collapsed. He may also have a lot of assets to claim against. I do think it is up to the insurance broker/agent to make sure it is absolutely clear what needs to be declared and checked out. What is the point of them if they don't. Why does this point at an issue with the actuary or insurance broker? If someone lies on their application or doesn’t declare something relevant that could make a material difference to the policy or ability to claim against it then the only person to blame is the policyholder surely? It’s like people on here who source a standard buildings and contents policy before the house is finished and don’t tell the insurer. If something happened and the house burnt down they may not be covered. That’s the risk you run if you do not disclose anything of relevance.
April 1, 20215 yr 1 hour ago, newhome said: Why does this point at an issue with the actuary or insurance broker Because the builder may not have realised. It is impossible to tell from the Guardian story who actually filled out the online forms, or who was actually present when the policy was taken out. If you said to me, "Get me the best dog food", I could interpret that many ways.
April 2, 20215 yr I got a ccj against a 1 director Ltd company recently. I hope it's knackering up his personal insurances too.
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