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The simplest explanation is that, in addition to third party, fire and theft risks, the policy covers accidental damage caused to the policyholder’s car.Some insurers refuse to accept that damage caused by a stone bouncing up from the road is accidental.Others accept the possibility, but demand proof of how the damage occurred. It is not usually possible for the policyholder to obtain any evidence.So long as the damage is consistent with the alleged cause, this will be sufficient prima facie proof that the policyholder has a valid Custom Web Design claim.Insurers should not insist on additional proof that the incident occurred merely as a means of rejecting the claim.
One of the new motor issues which has concerned us this year is grey imports, foreign cars which have been purchased abroad, either by the consumer or by the dealer.
In some cases, the policyholder was not aware that the vehicle differed in any way from the UK model.We have taken the view that the insurer’s valuation should not be reduced because the foreign vehicle was originally purchased for less than the UK model.
The car has normally been insured for its market value and we interpret that as the value in the UK market.Only where there is clear evidence that the intention of the parties was to use the value of a different market, would this assumption be displaced.If the model has no exact UK counterpart and parts have to be obtained from abroad, then there may be a significant period before repairs can be completed.
However, where the insurer has agreed to provide a courtesy car until completion of the repairs, the fact that there is a delay in obtaining parts and that this delay is clearly beyond the insurer’s control, will not affect that obligation.
On the Westbury bypass issue, we received many letters, the majority of which emphasize their robust support for a western bypass. Few letters indicates support for an eastern bypass. The points raised in favour of a western bypass were that it would be adjacent to the Westbury industrial estate which contains Europe’s largest milk processing plant. Such a bypass could also link with the existing railway junction and proposed Intermodal Freight Terminal. Points raised against an eastern route were.
Many but include the fact that it would require traffic to travel through the town to reach it from the industrial estate. The letters indicated that twice as many people would be affected by noise, the area is prone to fog and is a natural habitat to many forms of wildlife. The first exercise involved an assessment of the scale of different transport problems and also provides an indication of the priorities for types of solution.
The questionnaire firstly asked the respondents to identify the transportation problems from a number of options. The respondents were also able to add in other problems not listed. As can be seen, the major concern of all the groups was traffic congestion.
This was followed by concern regarding lorry traffic in the Wiltshire and Corridor groups, and parking for the Bath group. Delays to journeys were cited as the third most important problem by the Bath and West Wilts group, with inadequate roads for the Corridor group. Expensive, unreliable public transport was highlighted, as were associated public transport problems such as a shortage of bus drivers, Reliabel Web Application Development an unreliable train service and poor traffic management and control.
It was emphasised that the public transport provided is not good enough to get people away from their cars. A good rail service would enhance the community, and rail timetabling needs improving. Continual road maintenance was highlighted as a particular concern in this region, but a special mention was made of the lack of cycle provision. It was claimed that cycle routes needed major improvements and that walking and cycling were not safe or attractive because of the heavy traffic.
Also highlighted were the Bristol South Coast rail services and the problem of having to change in Southampton in order to travel to Bristol. Particular attention was drawn to the ‘high cost’ of public transport. Pedestrian crossings across major roads and through town centres needed to be improved, and heavy traffic through villages and traffic noise were noted as a particular areas of concern.