|
Jon MW
|
 |
« Reply #15 on: February 05, 2009, 08:46:29 AM » |
|
If you fancy a gamble  They also probably tell you they'll do a lot more than they will. The cost of your claim has to be more than the cost of investigating it for it to be worthwhile remember. |
|
|
|
|
Logged
|
Jon "the British cowboy" Woodfield
2011 blonde MTT League August Champion
2011 UK Team Championships: Black Belt Poker Team Captain - - runners up - -
5 Star HORSE Classic - 2007 Razz Champion
2007 WSOP Razz - 13/341
|
|
|
|
Splash
|
|
« Reply #16 on: February 05, 2009, 08:59:09 AM » |
|
Tell them you "came into some money" and decided to have some time off teaching and let them figure out what you are.
|
|
|
|
|
Logged
|
".....and Buckley ponders how to play Aces to lose the maximum."
|
|
|
|
david3103
|
|
« Reply #17 on: February 05, 2009, 09:04:49 AM » |
|
If you fancy a gamble They also probably tell you they'll do a lot more than they will. The cost of your claim has to be more than the cost of investigating it for it to be worthwhile remember. Doesn't take much to make the cost worthwhile... i had a minor 'run into the back of the car in front' about 5 years ago. Virtually no damage to my car (cracked number plate) and on first look very little damage to the car in front. By the time the effing ambulance chasing lawyers had got involved and the driver and passenger had been off work with whiplash (at <10mph?) the total bill for the insurer was >£10k. Different address can change the premium by a lot. Toxteth vs Formby; Moss Side vs Wilmslow; insert your own examples... |
|
|
|
|
Logged
|
It's more about the winning than the winnings
5 November 2012 - Kinboshi says "Best post ever on blonde thumbs up"
|
|
|
|
byronkincaid
|
|
« Reply #18 on: February 05, 2009, 09:16:02 AM » |
|
has anyone actually told their insurers that they play poker for a living?
if so how much did the premium go up?
maybe everyone is worrying for no reason
|
|
|
|
|
Logged
|
|
|
|
|
Jon MW
|
|
« Reply #19 on: February 05, 2009, 09:18:22 AM » |
|
If you fancy a gamble They also probably tell you they'll do a lot more than they will. The cost of your claim has to be more than the cost of investigating it for it to be worthwhile remember. i had a minor 'run into the back of the car in front' about 5 years ago. Virtually no damage to my car (cracked number plate) and on first look very little damage to the car in front. By the time the effing ambulance chasing lawyers had got involved and the driver and passenger had been off work with whiplash (at <10mph?) the total bill for the insurer was >£10k. Different address can change the premium by a lot. Toxteth vs Formby; Moss Side vs Wilmslow; insert your own examples... Personal injury claims are always going to be hugely expensive if you remember to only damage property and not people that would help |
|
|
|
|
Logged
|
Jon "the British cowboy" Woodfield
2011 blonde MTT League August Champion
2011 UK Team Championships: Black Belt Poker Team Captain - - runners up - -
5 Star HORSE Classic - 2007 Razz Champion
2007 WSOP Razz - 13/341
|
|
|
|
david3103
|
|
« Reply #20 on: February 05, 2009, 10:12:23 AM » |
|
If you fancy a gamble They also probably tell you they'll do a lot more than they will. The cost of your claim has to be more than the cost of investigating it for it to be worthwhile remember. i had a minor 'run into the back of the car in front' about 5 years ago. Virtually no damage to my car (cracked number plate) and on first look very little damage to the car in front. By the time the effing ambulance chasing lawyers had got involved and the driver and passenger had been off work with whiplash (at <10mph?) the total bill for the insurer was >£10k. Different address can change the premium by a lot. Toxteth vs Formby; Moss Side vs Wilmslow; insert your own examples... Personal injury claims are always going to be hugely expensive if you remember to only damage property and not people that would help At the speed i was travelling there was no way I damaged people, and I offered to go to whichever court the insurer chose, without any cost to them to fight the case. But apparently there are doctors out there who 'specialise' in such issues... |
|
|
|
|
Logged
|
It's more about the winning than the winnings
5 November 2012 - Kinboshi says "Best post ever on blonde thumbs up"
|
|
|
|
Dingdell
|
|
« Reply #21 on: February 05, 2009, 10:30:26 AM » |
|
If my address is still wrong on my insurance should I be worried?
Yes - different address = different postcode = different insurance rates. Car parked on road or on drive or in garage all makes a difference. If you have a garage tell them even if you mainly keep it on the road as it should reduce premiums. If you haven't told them of change of address they will try and wiggle out of any claim. Any changes you have made to car - even down to non standard cd/radio and upgraded alarm system etc should be noted - different cd player may encourage more theft = higher prem. Better alarm system may deter theft = cheaper premium. Anything material should be advised - preferably in writing so you have a record of it. When I worked for a newspaper I did several articles on ins companies using this as an excuse not to pay - and they are legal to do so. |
|
|
|
|
Logged
|
|
|
|
|
kinboshi
|
|
« Reply #22 on: February 05, 2009, 10:41:27 AM » |
|
If my address is still wrong on my insurance should I be worried?
Yes - different address = different postcode = different insurance rates. Car parked on road or on drive or in garage all makes a difference. If you have a garage tell them even if you mainly keep it on the road as it should reduce premiums. If you haven't told them of change of address they will try and wiggle out of any claim. Any changes you have made to car - even down to non standard cd/radio and upgraded alarm system etc should be noted - different cd player may encourage more theft = higher prem. Better alarm system may deter theft = cheaper premium. Anything material should be advised - preferably in writing so you have a record of it. When I worked for a newspaper I did several articles on ins companies using this as an excuse not to pay - and they are legal to do so. If you fit better brakes, you pay a higher premium - as it means to them that the car isn't standard and you're going to drive it faster. So it's sort of counter-intuitive. It wouldn#t surprise me if they said the same thing about an alarm system! Also, if it's insured as 'garaged' and you leave it outside the front of your house overnight and it gets broken into, be ready for them to piss you about. Of course, if you're away from home they wouldn't expect it to be garaged. Or if you have an import with no UK-model, they are stumped as to what is standard and what isn't and they make it all up as they go along. |
|
|
|
|
Logged
|
'The meme for blind faith secures its own perpetuation by the simple unconscious expedient of discouraging rational inquiry.'
|
|
|
|
Graham C
|
|
« Reply #23 on: February 05, 2009, 10:53:20 AM » |
|
If you fancy a gamble They also probably tell you they'll do a lot more than they will. The cost of your claim has to be more than the cost of investigating it for it to be worthwhile remember. i had a minor 'run into the back of the car in front' about 5 years ago. Virtually no damage to my car (cracked number plate) and on first look very little damage to the car in front. By the time the effing ambulance chasing lawyers had got involved and the driver and passenger had been off work with whiplash (at <10mph?) the total bill for the insurer was >£10k. Different address can change the premium by a lot. Toxteth vs Formby; Moss Side vs Wilmslow; insert your own examples... Personal injury claims are always going to be hugely expensive if you remember to only damage property and not people that would help At the speed i was travelling there was no way I damaged people, and I offered to go to whichever court the insurer chose, without any cost to them to fight the case. But apparently there are doctors out there who 'specialise' in such issues... Someone bumped into the back of my car once when I was sitting in a traffic jam and can't have been going more than 15mph. It nearly wrote my car off. Brand new car too, not sure why, someone did tell me they're designed to crumple a bit to protect people but I was quite surprised at the amount it cost to repair. Wish I'd claimed for whiplash too. It didnt' effect me till a few hours later but then I was in pain for about two weeks from it. I'd said I was fine though and to be fair, I don't think money compensation would made it better, just would have been handy  |
|
|
|
|
Logged
|
|
|
|
|
MC
|
|
« Reply #24 on: February 05, 2009, 11:50:44 AM » |
|
That's interesting cos I noticed yesterday that my car insurance people seem to think I'm still a student Maybe I should get that ironed out!  When I graduate, if I'm still playing poker, I'm just going to sign up to be a student again. The annual student fees are approximately equal to the council tax up here. Students are exempt from council tax, so basically, I'd be free-rolling on cut price pizza. Lol that's an interesting idea! Cheers for the heads up Amatay... |
|
|
|
|
Logged
|
"Success is not final, failure is not fatal"@epitomised
|
|
|
|
StuartHopkin
|
|
« Reply #25 on: February 05, 2009, 11:57:44 AM » |
|
My housemate wrote her car off at the start of december, trashed it and herself. On her insurance she was still down as a bank clerk, when they made an offer for settlement she rejected it on the basis 'i work as an accountant for Statstone Volvo and have access to trade prices all over the country' The insurance company immediately picked up on this and made a bit of a fuss, but they still paid out. Im pretty sure your insurance is still 'valid' for legal purposes, but when you come to make a claim you could get into trouble depending on the size of the claim and the company your with. Its all done on percentages. Surely a ring round of a few insurance companies should be able to find an answer as to what you declare yourself as. Personally I think it would be retired imo as its not like you degens really work or have a basic/guaranteed income. Especially that fishay amatay! Dont forgert to declare you play 10,000+ tourneys a month!  |
|
|
|
|
Logged
|
|
|
|
|
Jon MW
|
|
« Reply #26 on: February 05, 2009, 12:03:43 PM » |
|
... Personally I think it would be retired imo as its not like you degens really work or have a basic/guaranteed income. ....
If the taxman accepts retired, then officially, according to the state - you're retired. I don't see how an insurance company could argue with official records if you really pushed them on it. |
|
|
|
|
Logged
|
Jon "the British cowboy" Woodfield
2011 blonde MTT League August Champion
2011 UK Team Championships: Black Belt Poker Team Captain - - runners up - -
5 Star HORSE Classic - 2007 Razz Champion
2007 WSOP Razz - 13/341
|
|
|
|
julian
|
|
« Reply #27 on: February 05, 2009, 12:09:42 PM » |
|
has anyone actually told their insurers that they play poker for a living?
if so how much did the premium go up?
maybe everyone is worrying for no reason
direct line took me on for car & house after churchill cancelled, didn't go up much but i'm an old git now  |
|
|
|
|
Logged
|
|
|
|
|
byronkincaid
|
|
« Reply #28 on: February 05, 2009, 12:25:47 PM » |
|
has anyone actually told their insurers that they play poker for a living?
if so how much did the premium go up?
maybe everyone is worrying for no reason
direct line took me on for car & house after churchill cancelled, didn't go up much but i'm an old git now ty |
|
|
|
|
Logged
|
|
|
|
|
david3103
|
|
« Reply #29 on: February 05, 2009, 12:52:21 PM » |
|
has anyone actually told their insurers that they play poker for a living?
if so how much did the premium go up?
maybe everyone is worrying for no reason
direct line took me on for car & house after churchill cancelled, didn't go up much but i'm an old git now Who owns Direct Line and Churchill? Royal bank of Scotland Insurance Group... how does that work? |
|
|
|
|
Logged
|
It's more about the winning than the winnings
5 November 2012 - Kinboshi says "Best post ever on blonde thumbs up"
|
|
|
|
Author