21+ hour, 51+ min ago (330+ words) Experienced drivers are at risk of losing valuable years of no-claims discount (NCD) through no fault of their own, due to a growing practice across the insurance industry that artificially limits the information provided in renewal documents. In simple terms, insurers award a percentage discount based on years of claim-free driving, but those are two distinct measures. The discount may stop increasing after a certain point, but the number of claim-free years shouldn't. To understand how widespread this issue is, we contacted a range of insurers to ask how they document long-standing NCD. Their responses, as well as publicly available information, reveal a patchwork of practices: The Financial Ombudsman Service (FOS) has published clear guidance on the matter, stating: "If a customer has a higher no-claims bonus than you'll accept, we'd still expect you to provide proof of the amount…...

2+ mon, 3+ week ago (379+ words) The RAC and the Road Surface Treatments Association (RSTA) have today written to the Minister for the Future of Roads Lilian Greenwood calling for the Government to introduce mandatory training for councils who carry out little or no maintenance to prevent potholes forming. At the start of Pothole Prevention Week (8-14 September), the two organisations have joined forces with a view to getting councils to understand the benefits of low-cost preventative maintenance treatments that seal the road surface from water ingress and keep them in better condition for longer." The"RSTA"says many highway authorities are ignoring preventative treatments that typically could be applied from year five after a new road surface is laid to keep roads in good condition for longer. Instead, many are leaving them untreated and allowing potholes to form, before eventually having to replace the top layer…...

3+ mon, 6+ day ago (289+ words) Cheaper policies, regardless of the provider, will generally include roadside assistance. This means a mechanic will be sent to your location to attempt the repair at the roadside, and tow you to the nearest local garage if they can't get the job done themselves. That's what a cheaper policy is likely to cover, whether it comes from a big box brand or an independent." You might also consider a cheaper policy a smart move if you're driving a newer, more reliable car and don't need to travel particularly long distances. If this is the case, breakdowns are fairly unlikely to be a major concern." If you are going to choose a smaller provider, it's vital that you look for signs of a reliable business. Things like an "Excellent' Trustpilot rating are always a good indication that you can put your…...