some little tw*t has keyed the missus' car at work - legal advice plz

[Paul the 6th]

Vicky has just rang me to say she's going to be late home from work. A year 9 kid (13/14 years old) has vandalised 3-4 cars quite badly - vic's car (which she's only had for about 2 months) has been scratched from front to back all down the drivers side. The police are attending and they've got the kid as luckily there's cctv. Apparently, said kid is sat in a room with a great big smile on his face/laughing, even with police officers and teaching staff in there.

Because vic is working as a teaching assistant, she's not part of a union or anything so she's been told she'll either have to pay for the damage to be fixed herself, or claim on her insurance - and there's the good old "You park here at your own risk" sign in the carpark...

first, is this true? and second, if it is true, why the f8ck should she have to pay for damage which was intentionally caused by some little scumbag who she's never had any dealings with.

Vic detests her job (i cant put into words how depressed she's been over the past 8 months with the only thing going, her pgce course which starts in september... we've been counting down the number of working days she has left) and has just returned after 10 days off being ill with a bad chest infection & stress. She was contemplating not going back but I encouraged her and said it would only make her more depressed if she sat at home, so she pulled her self together and got stuck in there, only for 4 days of digs abuse from staff AND kids. Vic earns very little for the amount of shiite she has to put up with, and this car she got 2 months ago is the only little bit of pride & joy she's treated herself to in a very long time. Now some little **** has gone and done this...

also, vic's car insurance is up for renewal in 3 days - she was planning to switch to directline who's quote was around £200 compared with her current insurer (tesco) of £550. If she does have to claim, there's gonna be alsorts of grief over which insurer's responsibility it is, and she'll lose her NCB.

What's the standing with "criminal damage"? I'd have thought the law would say that when you've convicted of damaging another persons property to a criminal level, you'd be liable to put it right?

any advice on this would be greatly appreciated guys.

I'd be quite happy to find out where he lives and burn his house down... seems fair to me

[Viney]

Sadly yes, if they do not hold responsibility for parking then they can brush their hands of it. Thats as much as i know. However, as its on school property and the damage was conducted by a pupil who should be in the teachers/schools care etc, i dont know.

Verna had her car keyed a while ago, mainly the drivers door, and about £250 to get it sprayed. You could always try one of the 'Chips away' type paint companies.

[Daimo]

What about persuing a claim from the boys parents?

Why was the child not at school.

I certainly wouldn't lie down on this, and would have already given the little scroat a bloody hard belt round the head.

[dizzyblonde]

Tie him to the back of the car and drag him off to his parents....see how he likes being scratched?

[zsv650]

criminal damage i'm sure the parents are liable for damages best check with a legal bod for confirmation though.

[Stingo]

I know nothing...but what about a 'private prosecution' thingy against the individual/his family?

[Dave20046]

I'd try take the parentals to court.
If you lose/can't - kick the little ****'s head in.

[Ceri JC]

What about persuing a claim from the boys parents?

Why was the child not at school.

I certainly wouldn't lie down on this, and would have already given the little scroat a bloody hard belt round the head.

+1. Not sure of the legality, but common sense dictates the parent/legal guardian(s) of the kid responsible should pay.

[ThEGr33k]

Bring back the cain... little bleeder wouldnt be laughing or smiling then!!!! :smt036

[ophic]

There's no confusion over the insurance. The car was insured by Tesco at the time of the incident. Cut & dried.

[Owenski]

Tie him to the back of the car and drag him off to his parents....see how he likes being scratched?

+1

She works at the school I assume she can get his home address easy enough. If his parents dont like what they hear about their angel then f'em key their sodding car. I HATE MINDLESS VANDALLS!!!

Legally however, I think the school have the sign for this very reason. I'd file a complaint with the police and look into compensation etc.

but please please please bounce that little 5hit

[dizzyblonde]

he should be made an example of. If that was my son I'd expect someone to.
Theres not enough people in this world giving kids the right discipline, which is why they sit and think its funny when they get caught. As they know they can pretty much get away with it.

if my lad did that, it would be garanteed, he'd have his pants taken down and given a good smacked backside(but then hes only 7).....waits for the torrent of 'child abuse'. He'd be grounded, I'd empty his money box, he'd have the TV and Xbox taken out of his room....etc etc.
But i'm a responsible parent, so I doubt my lad would do that sort of thing in the first place, I can pretty much make a gamble by saying his parents won't give a toss what hes done.

[Dave20046]

There's no confusion over the insurance. The car was insured by Tesco at the time of the incident. Cut & dried.
Wouldn't vicky have to pay the excess though? :scratch:



Bring back the cain... little bleeder wouldnt be laughing or smiling then!!!! :smt036
Dunno, my brother in law told me the best way of dealing with the cain was to smile and laugh all the way through...

[Spiderman]

Some nobhead tried to steal on of those 3 wheeled pediscab things on a Friday night out in Soho right next to the gathered bikes of the Soho Massive.#

As he rode off he hit one bike and caused it to fall over and dominoe over 4 other bikes with it.
Thankfully being the crimefighter extrodinairre that i am, i gave chase and with the assistance of a couple of passing coppers caight the toe rag.

he was arrested for criminal damage and given a conditional dischanrge. the condition being he paid for all the damages to all the bikes. In all he had to pay over £4k!!!! to us all.

This kid is well over the age of criminal responsibility of 10yrs old so i cant see why the same cant be done with him and since he is a dependant of his parents then they have to pay for his crime.
Or worst case scenario, lets the cops prosecute and prove the guilt them take him to a small claims court and claim there, tho i'd be woried that the court might say he can pay you £1 a week from his pocket money for the next 20yrs or so.

Also this convrsation springs to mind...
LANCE
Still got your Malibu?

VINCENT
You know what some ****er did to it
the other day?

LANCE
What?

VINCENT
****in' keyed it.

LANCE
Oh man, that's ****ed up.

VINCENT
Tell me about it. I had the
goddamn thing in storage three
years. It's out five ****in' days
-- five days, and some dickless
piece of **** ****s with it.

LANCE
They should be ****in' killed. No
trial, no jury, straight to
execution.

As he cooks his heroin --

VINCENT
I just wish I caught 'em doin' it,
ya know? Oh man, I'd give anything
to catch 'em doin' it. It'a been
worth his doin' it, if I coulda
just caught 'em, you know what I
mean?

LANCE
It's chicken ****. You don't ****
another man's vehicle.

[Bluepete]

You need to wait and see if the Cops arrested the little darling. You should make an official complaint of damage and insist it is dealt with. If he is convicted at court, you should be awarded comensation. However, this will probably be paid at £1.50 a week!

Private prosecution? Satisfying maybe, but realistically, do the familly have the means to pay?

He should be arrested certainly, but I doubt you will get what you want out of it.

Pete

[ophic]

Wouldn't vicky have to pay the excess though? :scratch:
yes

[SoulKiss]

Wouldn't vicky have to pay the excess though? :scratch:




Dunno, my brother in law told me the best way of dealing with the cain was to smile and laugh all the way through...

She would have to pay the excess, but you would just add that to the amount claimed - you may even find that the Insurance Co would go after the money from the kids parents, eventually refunding the excess and re-instating no-claims bonus (which wouldn't help you now, but in the future....)

My advice, speak to the claims department at Tesco, you can do that WITHOUT having to actually make a claim.

[ThEGr33k]

Dunno, my brother in law told me the best way of dealing with the cain was to smile and laugh all the way through...


Yea... I think he would fail if it was me giving the punishment. Im pretty sure he'd crack before I got bored... he might also be bleeding. Im fairly certain that there is no one that can stand the cain long, you ever been whipped at all? OMFG the pain!!!! :smt010

[punyXpress]

Complain to the Home Secretary
Oh Sorry - too busy filling out expenses claim!

[Owenski]

Can we keep this thred going cos I'd like to know what the outcome is.

As in just exactly what is seen as justice with things like this?

[Luckypants]

also, vic's car insurance is up for renewal in 3 days - she was planning to switch to directline who's quote was around £200 compared with her current insurer (tesco) of £550. If she does have to claim, there's gonna be alsorts of grief over which insurer's responsibility it is, and she'll lose her NCB.

Not sure on the rest, but this I can help with. There is not problem over which insurer has responsibility, it is the insurer who was insuring the car on the date of the incident, i.e. her current insurer.

As to losing her NCB, she will lose two years most likely (if she has full NCB) but she may get that back if there is clear evidence of who the perp is (CCTV right?) and the insurance co can claim back all the money from the perp's parents. Not too sure about this.

[Paul the 6th]

You need to wait and see if the Cops arrested the little darling. You should make an official complaint of damage and insist it is dealt with. If he is convicted at court, you should be awarded comensation. However, this will probably be paid at £1.50 a week!

Private prosecution? Satisfying maybe, but realistically, do the familly have the means to pay?

He should be arrested certainly, but I doubt you will get what you want out of it.

Pete



cheers pete, exactly the kind of advice I was after. Gonna have a proper look at it when I get in and take photo's etc. If it's just on the surface then a good few hours and a dolop of elbow grease & t-cut could sort it. If not it'll have to wait.

I'm guessing I'd have to pop into the main police station to make a complaint if the police decide not to prosecute? Never really had any legal dealings (other than with the taxman, and I won) so I'm a bit clueless when it comes to this stuff.

[Paul the 6th]

where's ed when you need help? Ed!

[Dave20046]

Ah that's a good point ophic. You mean pay the excess, get it sorted and claim it off the little ****.
I think for the paint work you're looking about £400ish, speak to your insurer see how much excess + future premiums will amount to.
Yea... I think he would fail if it was me giving the punishment. Im pretty sure he'd crack before I got bored... he might also be bleeding. Im fairly certain that there is no one that can stand the cain long, you ever been whipped at all? OMFG the pain!!!! :smt010
nah he got whipped daily man he's from sierra leone
Anyway that's a discussion for another thread/pm.

[Paul the 6th]

cheers for all the replies guys. Calmed down a bit now...

Think I'm just going to do the sensible thing and find out where he lives, then demonstrate how criminal damage is done properly. Just need to pick up some props... petrol, sledge hammer, maybe a screwdriver and some brake fluid...

[Paul the 6th]

oh and further update:

the useless headmaster has said the kids will be excluded for 2 days... no order of appology or anything, the guy is useless. Turns out vic has never had any dealings with this child so there's no motivation... just for a laugh.

the police have said that they can't take the kids into custody without their parents being there, so they're going to be picked up tomorrow morning and taken down the station for an interview/statements etc...

the kid who did it apparently shouted at vicky "i'm sorry I didn't realise", she mentioned this in her statement with the police so it's gone down in writing.

As for the damage, it sounds like vicky's got off quite lightly with a 20 inch scratch along the drivers side. I'm going to have a look when I get home from work & take pictures. The lady police officer said she would ring vic tomorrow night to let her know how the day had gone/whether police would be interested in moving forward with the incident... She advised vic not to do anything to the car until then as if they do decide to move forwards, the car is technically evidence and could possibly have repairs paid for by the scrote's parents.

so:

1) assess damage when I get home & take pictures...

2) wait for police feedback tomorrow evening and go from there.

Just hoping it's worse than it looks and can be t-cutted out. i.e. cosmetic scratch and not a physical gash in the paintwork... it wouldn't be half as bad if vic enjoyed her job, had money to fix it and it was an old banger, but unfortunately her job makes her seriously depressed, she earns just short of £500 per month to take abuse from kids in a school where none of the other staff care, and this is her one luxury/bit of pride and joy which she's had for 8 weeks...

Honestly, who raises their kids to do these things? If had a child who had done something like this, I'd have already made arrangements for the damaged car to be collected and put back to how it was, and said child would be in more trouble than I care to share here...

[Owenski]

Honestly, who raises their kids to do these things? If had a child who had done something like this, I'd have already made arrangements for the damaged car to be collected and put back to how it was, and said child would be in more trouble than I care to share here...

You kind of answer your own question, kids arnt raised anymore they are spawned.

[Luckypants]

You kind of answer your own question, kids arnt raised anymore they are spawned.

Really not true, there are many many good kids out there. My kids regularly make me proud (OK they are in their 20's now), just last night my daughter phoned me (a bit ****ed) to say she has won a prestigious student award and was nominated for two others. My 21yo son is dealing with some issues his g/f has in a very mature fashion.

There are bad parents, but in the main most of us try to bring up our kids to be good people.

[Paul the 6th]

sad but I find myself thinking "In my day, neither me or any of my mates would have spoken to people the way that 13 year old lad/girl just did" and I'm only 23!

I can feel a new thread & poll coming up "Would you take the law into your own hands?" or something along those lines...

[Owenski]

Really not true, there are many many good kids out there. My kids regularly make me proud (OK they are in their 20's now), just last night my daughter phoned me (a bit ****ed) to say she has won a prestigious student award and was nominated for two others. My 21yo son is dealing with some issues his g/f has in a very mature fashion.

There are bad parents, but in the main most of us try to bring up our kids to be good people.

Your kids are my age, as I imagine are the parents of the kid Paul speaks of. I know im assuming and been negative and that some young parents are brilliant I mean no disrespect (my dad was in his teens when I first graced this planet). But my misses is a teacher and I see what crap she gets for trying to help so I feel for Paul and Vic.

Kids have nothing, they value nothing but they still feel pain. I got hit and I learnt lessons a lot faster than when people just said "no, naughty"

[TheStudent]

Save yourself the stress of a civil court case which you will have to finance yourself, and may lose, and get it sprayed when you can afford it. Even if you win a civil case, they will only pay £1pw.

It's a crap system, but that's the system.

[davepreston]

insist on prosicution to the police if possible have a word with plod and have them say to the parents "the victim is insitant on pursuing this matter to it furthest extent but may i suggest if the damage was paid for in full it may save your son from having a criminal record" the cops should be happy enough to do this (check with pete) if not court it is go armed with bills and time expences eg time off work you had to take to sort it out and the parents should be hit with the bill anyway

[Sally]

Mate got his couple month new car keyed, along with his mums car.
It wasn't a kid, was a 21 y/o man, but they know he did it, just can't prove it.
At least you have cctv on you're side.

Even if parents try to raise their kids well, some just reject the teachings and do what they want.

[missyburd]

Really sorry to read this Paul, you and Vic must be so pi$$ed off :-( What's with everyone having such bad luck these days! :confused:

Just to say it amuses me how straight away people start bringing out the violence card. It's a kid ffs. And no I'm not condoning what the little b4stard's done, not at all but not really going to help matters threatening to kick it's head in! He needs a good slapping and a few nights in a dark room with no food or water (yep I'd be a good parent :)) but kicking the $hit out of him and dragging him behind cars, really? Sorry but it just strikes me as amusing people make these threats and there's no way in hell you'd actually do it. Bless internet personas eh? :smt003

ANYWAY, I sincerely hope you and Vic can get something back out of all this, someone needs to pay, you should not be losing out because of this. Damn, the British justice system sucks :(

You kind of answer your own question, kids arnt raised anymore they are spawned.

You kind of make a point there really Matt. Although I do know some nice kids I also know the majority of kids in schools these days are little $hits, foul-mouthed, full of backchat and generally destructive. That's this generation though unfortunately. Luckypants' reply to this post referred to his kids who are my age and I can safely say our generation has done alright for itself from my experience. I think we're the last of a dying breed, sad though it is to say it. I was brought up with what's right and wrong, to be honest and respectful of those elder than me and I can only thank my folks for that.

Sorry Paul, I think we're going off on a tangent :rolleyes: Keep us posted on this.

[Dave20046]

Sorry but it just strikes me as amusing people make these threats and there's no way in hell you'd actually do it. Bless internet personas eh? :smt003


You took them seriously :confused:

I'd gouge his eyes out with my car keys :smt024

[missyburd]

You took them seriously :confused:

I'd gouge his eyes out with my car keys :smt024
Lol no that's the point. Just amuses me, but at least it makes them feel better.

[Speedy Claire]

Firstly sorry to hear of your trouble, mindless acts of vandalism but a potential little thug! You know stuff like this sometimes makes me think bring back the birch.

Not quite the same but 7 cars in our staff car park were damaged last year by some roofing that came of a nearby warehouse. They all had to claim of their own insurance to have the damage repaired. Worst still they also had to pay the excess

[dizzyblonde]

You kind of answer your own question, kids arnt raised anymore they are spawned.


I really beg to differ:smt079

[punyXpress]

Paul:
If you end up claiming on insurance, can you do it on a ' No Fault ' basis?
Not sure how it works, but someone on here might.
Might just save some of the no claims

[yorkie_chris]

insist on prosicution to the police if possible have a word with plod and have them say to the parents "the victim is insitant on pursuing this matter to it furthest extent but may i suggest if the damage was paid for in full it may save your son from having a criminal record" the cops should be happy enough to do this (check with pete) if not court it is go armed with bills and time expences eg time off work you had to take to sort it out and the parents should be hit with the bill anyway

First bit, best way. The threat of prosecution should put the $hits far enough up them to get to their chequebook.

Court, there's the risk that the payout would be so slow as to not be worthwhile considering the PITA it is.


Just to say it amuses me how straight away people start bringing out the violence card. It's a kid ffs. And no I'm not condoning what the little b4stard's done, not at all but not really going to help matters threatening to kick it's head in!

A good dose of terror is usually a good remedy for further acts of stupidity though.

[missyburd]

A good dose of terror is usually a good remedy for further acts of stupidity though.
Hence the lock em in a small dark room for a while :p

[Lozzo]

First bit, best way. The threat of prosecution should put the $hits far enough up them to get to their chequebook.


You really think so?

I've worked with these type of kids[1], and 9 times out of 10 the parents are as bad, or if not worse. Part of the reason I chcked that job was the amount of damage they were doing to my bike when parked outside the unit. When I told the boss he simply said "park it further away, they're too lazy to walk far to damage it". I parked it at home and didn't bother going to work any more... problem solved.

[1] A horrible thankless job that I wouldn't recommend to anyone. Scum like that laugh at the threat of court action and won't pay the fines even when they get them - it's like a running challenge to see how many they can skip payment on at any one time. The cheapest way to deal with problem kids like this costs 75p each, and a soldier with a good aim.

[yorkie_chris]

You really think so?

I've worked with these type of kids[1], and 9 times out of 10 the parents are as bad, or if not worse. Part of the reason I chcked that job was the amount of damage they were doing to my bike when parked outside the unit. When I told the boss he simply said "park it further away, they're too lazy to walk far to damage it". I parked it at home and didn't bother going to work any more... problem solved.

[1] A horrible thankless job that I wouldn't recommend to anyone. Scum like that laugh at the threat of court action and won't pay the fines even when they get them - it's like a running challenge to see how many they can skip payment on at any one time. The cheapest way to deal with problem kids like this costs 75p each, and a soldier with a good aim.

Depends on the kid and the family. It's gotta be worth a try for nowt.

Why a good aim? You only need to stand far enough away to avoid getting blood on your shoes.

[davepreston]

when i am i required for duty :)

[Paul the 6th]

thanks for the support of outright terror & revenge guys..

I've tickled the car with with a bit of t-cut and it does look a tiny bit better. I reckon another half an hour and lots of rubbing will make it almost invisible.

It sounds like north yorkshire police have responded very well & been very understanding/supportive. To be honest, vic is more angry with the headmaster. I've mentioned before just how incompetent this guy is - he doesn't give a crap, just sits in his office and keeps his head down until ofsted come, at which point he excludes all the worst kids from the school. Then when ofsted give another average score and disappear, he brings all the bad kids back in. It's a breeding ground for thugs and criminals, and the head teacher is pouring petrol on the flames by putting these little f*ckers before his staff. Staff are verbally abused on a daily basis and attacked once to twice a week... This is starting to turn into a rant, but the bottom line is there's no consequences for these kids, so scratching a car gets you a 2 day holiday (exclusion) from school and thats about it.


Just waiting for the police to report back on whether they're going to prosecute after taking the kids in for questions/statements/general scare.

I think if vic earned more, enjoyed her job and had an old banger, she wouldn't have taken this so personally, but because she earns bugger all, detests her job and can only just afford this one little luxury in her life, it's hit her quite hard, especially after how down she's been.

Thanks to blue pete, davepreston and the woozle for advice :) everyone else, feel free to start another thread giving details of how you'd take the law into your own hands :)

[yorkie_chris]

You want to know how to wire up a high voltage tazer circuit? Run that through the bodywork and let them try key it again...

[454697819]

If the little ****s parents have household insurance actions by the familly are covered usually by a third party liability that you have to have these days, It is probably worth at least asking for the details and getting a solicitor to write strong letter to his parents.

Just cause the **** is a **** doesnt mean the rents are.....

[Lou M]

You kind of make a point there really Matt. Although I do know some nice kids I also know the majority of kids in schools these days are little $hits, foul-mouthed, full of backchat and generally destructive.

My experience is the opposite (as said a thousand times on here) I work in a secondary school and find that actually the majority are lovely. We were discussing/working out the other day that we reckon 1% are trouble makers, we have nearly a 1000 pupils.
I was worried when I got the job, but our teenagers have proved me wrong. And this last week with Years 11 and 13 leaving has been very emotional, for staff and students - Good luck to a fabulous bunch of kids!

[missyburd]

My experience is the opposite (as said a thousand times on here) I work in a secondary school and find that actually the majority are lovely. We were discussing/working out the other day that we reckon 1% are trouble makers, we have nearly a 1000 pupils.
I was worried when I got the job, but our teenagers have proved me wrong. And this last week with Years 11 and 13 leaving has been very emotional, for staff and students - Good luck to a fabulous bunch of kids!
Depends on the area of course, but many inner city schools are as I've mentioned unfortunately. My mother used to teach in those secondary schools and although she doesn't take crap from kids, she was the only one who didn't, the others were just bullied into "submission" :rolleyes:

Anyway as Paul has said this is besides the point in hand really!

[sookie]

Just a wee word on "scroats" and the like. A while ago my kids were outside playing in their garden and I heard screaming and shouting. Going out to investigate I see one young gentleman with my daughters hair grasped in his hand, bending her over, about to boot her in the face, again. I "reacted" and ended up getting charged with "Assaulting a minor".
A few days later I went to his parents house and err explained the situation to his father and the charges were dropped, fortunately enough, but sometimes a clear head and rational thinking are needed. Just a word to the wise, sometimes the system is on the wrong side.:confused:

[Jamiebridges123]

I went to his parents house and err explained the situation to his father and the charges were dropped, fortunately enough, but sometimes a clear head and rational thinking are needed. Just a word to the wise, sometimes the system is on the wrong side.:confused:

True, and yes unfortunately it often is.

[Dave20046]

Just a wee word on "scroats" and the like. A while ago my kids were outside playing in their garden and I heard screaming and shouting. Going out to investigate I see one young gentleman with my daughters hair grasped in his hand, bending her over, about to boot her in the face, again. I "reacted" and ended up getting charged with "Assaulting a minor".
A few days later I went to his parents house and err explained the situation to his father and the charges were dropped, fortunately enough, but sometimes a clear head and rational thinking are needed. Just a word to the wise, sometimes the system is on the wrong side.:confused:
Indeed, my uncle lamped a man mugging his daughter and got charged for 'assaulting a minor' the guy was 18 in a couple of months.

[yorkie_chris]

Hmmm the police and authorities showing themselves to be the enemy? Who'd have thought it...

[metalangel]

Just a wee word on "scroats" and the like. A while ago my kids were outside playing in their garden and I heard screaming and shouting. Going out to investigate I see one young gentleman with my daughters hair grasped in his hand, bending her over, about to boot her in the face, again. I "reacted" and ended up getting charged with "Assaulting a minor".
A few days later I went to his parents house and err explained the situation to his father and the charges were dropped, fortunately enough, but sometimes a clear head and rational thinking are needed. Just a word to the wise, sometimes the system is on the wrong side.:confused:

Yup. When we were being kicked in by a group of chavettes I had to try damned hard to just block their blows and not hit back as I'd have been undoubtedly done for assaulting minors had I given the little bitches the booting they deserved.

[Jamiebridges123]

Just hit them back Metal, they would sure as heck think twice about doing it again if they went running off with broken noses.

[Bibio]

Also this convrsation springs to mind...
LANCE
Still got your Malibu?

VINCENT
You know what some ****er did to it
the other day?

LANCE
What?

VINCENT
****in' keyed it.

LANCE
Oh man, that's ****ed up.

VINCENT
Tell me about it. I had the
goddamn thing in storage three
years. It's out five ****in' days
-- five days, and some dickless
piece of **** ****s with it.

LANCE
They should be ****in' killed. No
trial, no jury, straight to
execution.

As he cooks his heroin --

VINCENT
I just wish I caught 'em doin' it,
ya know? Oh man, I'd give anything
to catch 'em doin' it. It'a been
worth his doin' it, if I coulda
just caught 'em, you know what I
mean?

LANCE
It's chicken ****. You don't ****
another man's vehicle.

i said none of that i'll have you know...


and about claiming off the kid ... good luck...

i know the courts up here pay the compensation up front then gain it back from prosecuted... well that's how it used to be but it takes months and months...

[Staffz]

Possibly this is very wrong to suggest in a public forum but...
Do Direct Line not advertise vandalism claims not affecting your no claims? Would seem cost effective way of claiming to put car right, harsh for insurance but a technically victimless crime! The damage did actually happen, you just delay saying when and where it happened when it really took place.

Just a suggestion, but would save you losing your no claims before getting the £300 saving when you change company based on current history, and preserve it after?

[yorkie_chris]

They'll want a crime number, and it's already been reported to the coppers. Probably not even worth trying that one.

[SoulKiss]

Possibly this is very wrong to suggest in a public forum but...
Do Direct Line not advertise vandalism claims not affecting your no claims? Would seem cost effective way of claiming to put car right, harsh for insurance but a technically victimless crime! The damage did actually happen, you just delay saying when and where it happened when it really took place.

Just a suggestion, but would save you losing your no claims before getting the £300 saving when you change company based on current history, and preserve it after?

And when they investigate, find the fraud, prosecute and you end up in prison for the amount of £300............

[punyXpress]

And when they investigate, find the fraud, prosecute and you end up in prison for the amount of £300............

First dibs 'exercising' Paul's bike while he's inside.

[Paul the 6th]

I'm a hardened crim me... I know the hardest man in Bradford & sometimes break the speed limit