Quick Question Thread

[GordonD]

6 hours ago, jimbaxters said:

Yasss!  Except the vacuous Kemah Bob, with her put on laugh.

Hadn't heard of her - I assumed she was a man, both from the name and because they usually have a 2-2 gender split.

I'm two minutes in and she's annoying the hell out of me already.

[vikingTON]

Two building-related questions for the collective experience and/or expertise of P and B to help me with. Any advice appreciated!

1) How much would  be a reasonable estimate for a builder to replace a single air brick (probably cast iron)? 

2) Would a builder also be the best tradesman to consult for a potential job of water and damp proofing an outbuilding (it's a coal cellar) - or is there a specialism within the trade I should be looking for instead? 

[jimbaxters]

33 minutes ago, GordonD said:

Hadn't heard of her - I assumed she was a man, both from the name and because they usually have a 2-2 gender split.

I'm two minutes in and she's annoying the hell out of me already.

Told you. She's absolutely awful. When I realised tonight's was a repeat it went off.

[jimbaxters]

1 hour ago, The Naitch said:

 

 

It's more repeats for another week or two yet - they've been recording a ton of episodes recently so new ones will be on soon.

Aye discovered it was a repeat when Ade Edmondson had his big moon boot in.

[supermik]

47 minutes ago, virginton said:

Two building-related questions for the collective experience and/or expertise of P and B to help me with. Any advice appreciated!

1) How much would  be a reasonable estimate for a builder to replace a single air brick (probably cast iron)? 

2) Would a builder also be the best tradesman to consult for a potential job of water and damp proofing an outbuilding (it's a coal cellar) - or is there a specialism within the trade I should be looking for instead? 

If only you knew someone who blows a lot of hot air at times, that would keep the damp at bay…

[alta-pete]

1 hour ago, virginton said:

Two building-related questions for the collective experience and/or expertise of P and B to help me with. Any advice appreciated!

1) How much would  be a reasonable estimate for a builder to replace a single air brick (probably cast iron)? 

2) Would a builder also be the best tradesman to consult for a potential job of water and damp proofing an outbuilding (it's a coal cellar) - or is there a specialism within the trade I should be looking for instead? 

1) probably too little to get them to come out to quote to then have to come back after you’ve price checked them. Everyone is run off their feet, piddly jobs ain’t a priority. Just get the local guy, he might deign to do it. 

2)I think you might find the cost disproportionate to any benefit you may be seeking. However, you’re looking for a basement tanking specialist. 

[Sergeant Wilson]

24 minutes ago, alta-pete said:

1) probably too little to get them to come out to quote to then have to come back after you’ve price checked them. Everyone is run off their feet, piddly jobs ain’t a priority. Just get the local guy, he might deign to do it. 

2)I think you might find the cost disproportionate to any benefit you may be seeking. However, you’re looking for a basement tanking specialist. 

Basement tanking specialist, do you mean Clyde?

[alta-pete]

4 minutes ago, Sergeant Wilson said:

Basement tanking specialist, do you mean Clyde?

Don’t you get involved with tanks again Sarge. This’ll blow your mind. 

[Rizzo]

A few months ago one of our cars was in a hit and run incident. It was parked outside OH's work at the time and no one was in it (a car towing a trailer gouged a hole in the side of the car as they drove past). Someone saw it happen, took photos and the police were able to identify the person responsible and he/she was insured. 

We were advised by our insurance company that the procedure would be that we would put in a claim so the car could be fixed and returned to us and that our insurance company would claim all costs from the other person's insurance including our excess and that the incident would in no way affect our premium or no claims bonus (there was a good 5+ of no claims on this car and more on the other).

Just had our renewal letter through and our annual premium has doubled after only going up marginally each year before. 

Were they talking mince about the incident not affecting our premium? Is it worth ringing them, or are we better just cutting our losses and looking for a new supplier.

[scottsdad]

10 minutes ago, Rizzo said:

A few months ago one of our cars was in a hit and run incident. It was parked outside OH's work at the time and no one was in it (a car towing a trailer gouged a hole in the side of the car as they drove past). Someone saw it happen, took photos and the police were able to identify the person responsible and he/she was insured. 

We were advised by our insurance company that the procedure would be that we would put in a claim so the car could be fixed and returned to us and that our insurance company would claim all costs from the other person's insurance including our excess and that the incident would in no way affect our premium or no claims bonus (there was a good 5+ of no claims on this car and more on the other).

Just had our renewal letter through and our annual premium has doubled after only going up marginally each year before. 

Were they talking mince about the incident not affecting our premium? Is it worth ringing them, or are we better just cutting our losses and looking for a new supplier.

Phone them up. I'd be looking elsewhere too. 

[Salt n Vinegar]

10 minutes ago, scottsdad said:

Phone them up. I'd be looking elsewhere too. 

Sound advice.

We always test the market before any renewal... we had never really done that before I read Martin Lewis' book "the money diet' many, many years ago. (No, I'm not on commission!) Companies love customer loyalty but it's usually to their benefit, not ours.

[Honest Saints Fan]

32 minutes ago, Rizzo said:

A few months ago one of our cars was in a hit and run incident. It was parked outside OH's work at the time and no one was in it (a car towing a trailer gouged a hole in the side of the car as they drove past). Someone saw it happen, took photos and the police were able to identify the person responsible and he/she was insured. 

We were advised by our insurance company that the procedure would be that we would put in a claim so the car could be fixed and returned to us and that our insurance company would claim all costs from the other person's insurance including our excess and that the incident would in no way affect our premium or no claims bonus (there was a good 5+ of no claims on this car and more on the other).

Just had our renewal letter through and our annual premium has doubled after only going up marginally each year before. 

Were they talking mince about the incident not affecting our premium? Is it worth ringing them, or are we better just cutting our losses and looking for a new supplier.

Yes they were talking mince. Any accident, even if non fault will affect your premium. It may be the case that, if they have not recovered their losses yet, it's affecting the renewal premium more than if the claim was settled as non fault. 

You'll obviously need to declare the incident to all insurers you approach if you look elsewhere.

[jimbaxters]

41 minutes ago, Rizzo said:

A few months ago one of our cars was in a hit and run incident. It was parked outside OH's work at the time and no one was in it (a car towing a trailer gouged a hole in the side of the car as they drove past). Someone saw it happen, took photos and the police were able to identify the person responsible and he/she was insured. 

We were advised by our insurance company that the procedure would be that we would put in a claim so the car could be fixed and returned to us and that our insurance company would claim all costs from the other person's insurance including our excess and that the incident would in no way affect our premium or no claims bonus (there was a good 5+ of no claims on this car and more on the other).

Just had our renewal letter through and our annual premium has doubled after only going up marginally each year before. 

Were they talking mince about the incident not affecting our premium? Is it worth ringing them, or are we better just cutting our losses and looking for a new supplier.

[Salt n Vinegar]

39 minutes ago, Honest Saints Fan said:

Yes they were talking mince. Any accident, even if non fault will affect your premium. It may be the case that, if they have not recovered their losses yet, it's affecting the renewal premium more than if the claim was settled as non fault. 

You'll obviously need to declare the incident to all insurers you approach if you look elsewhere.

Pretty sure that's correct. One bloke in an office I worked in when he was in a similar situation was told, in effect, that it's a "no-claims" bonus, not a "no blame" bonus.

[GordonD]

On 17/07/2023 at 12:06, jimbaxters said:

Except the vacuous Kemah Bob, with her put on laugh.

FFS. Shoot her now.

[alta-pete]

1 hour ago, Rizzo said:

A few months ago one of our cars was in a hit and run incident. It was parked outside OH's work at the time and no one was in it (a car towing a trailer gouged a hole in the side of the car as they drove past). Someone saw it happen, took photos and the police were able to identify the person responsible and he/she was insured. 

We were advised by our insurance company that the procedure would be that we would put in a claim so the car could be fixed and returned to us and that our insurance company would claim all costs from the other person's insurance including our excess and that the incident would in no way affect our premium or no claims bonus (there was a good 5+ of no claims on this car and more on the other).

Just had our renewal letter through and our annual premium has doubled after only going up marginally each year before. 

Were they talking mince about the incident not affecting our premium? Is it worth ringing them, or are we better just cutting our losses and looking for a new supplier.

Somebody posted on here not so long ago about their renewal premium doubling from last year. Mine looks like going from £400 to £600 this year with no changes being made. 

[Rizzo]

1 hour ago, scottsdad said:

Phone them up. I'd be looking elsewhere too. 

Will see what they have to say today.

1 hour ago, Salt n Vinegar said:

Sound advice.

We always test the market before any renewal... we had never really done that before I read Martin Lewis' book "the money diet' many, many years ago. (No, I'm not on commission!) Companies love customer loyalty but it's usually to their benefit, not ours.

Aye, usually we shop around for pet and home insurance each time they're up for renewal. It was just the car insurance had barely gone up at all in the 5 years or so we'd had it so we stuck with them.

1 hour ago, Honest Saints Fan said:

Yes they were talking mince. Any accident, even if non fault will affect your premium. It may be the case that, if they have not recovered their losses yet, it's affecting the renewal premium more than if the claim was settled as non fault. 

You'll obviously need to declare the incident to all insurers you approach if you look elsewhere.

That's what I thought at the time but it was OH who dealt with it over the phone and he was adamant that this was what he'd been told. If the person responsible had been honest enough to stop and admit fault at the fime he would have just bought a new panel and repaired the car himself to avoid going through the insurance.

Alas the guy just drove off so it all had to be reported as a hit and run. 

1 hour ago, jimbaxters said:

I know! Probs going to be moving down to one very soon.

16 minutes ago, alta-pete said:

Somebody posted on here not so long ago about their renewal premium doubling from last year. Mine looks like going from £400 to £600 this year with no changes being made. 

I did wonder if places were just going to start charging a heck of a lot more with the climate being the way it is. We've noticed pretty much all of our various insurance policies going up over the past 6 months if they've been due for renewal so we've cancelled a few and moved providers. 

[jimbaxters]

1 hour ago, GordonD said:

FFS. Shoot her now.

Told you. Haa haa haaaa!

[Nkomo-A-Gogo]

Ive been waiting on a refund to paypal but now i see it can take up to thirty days! Anyone had an experience of this? 

 

[welshbairn]

42 minutes ago, Nkomo-A-Gogo said:

Ive been waiting on a refund to paypal but now i see it can take up to thirty days! Anyone had an experience of this? 

 

The couple of times I've had one it's been surprisingly quick, could be just covering themselves in case there's a dispute.