Ask Honest John

Most recently answered insurance excess questions
I have car insurance with Saga that gives me unlimited time in Spain. In April, on the way down to Spain, my windscreen was chipped by a stone. I contacted Saga but they have no agreement with any windscreen...
I was recently sat stationary at a junction when a third party drove into the back of me because he was waving at another driver in a vehicle in the next lane. The third party produced an ID in the form...
I have owned a 2011 BMW X3 2.0 from new. It's now done 55,000 miles and is in excellent condition. I'm thinking of changing it later this year or early next. Now, after over 10 years of no claims (protected),...
I'm hiring cars on three occasions this year, one in Italy and two in the U.K. What is the best way to get insurance to cover the excess?
My car was subject to a very minor accident whilst parked car outside my home, whilst a third party was attempting to park. The damage was very minor (possibly none to theirs and a small mark on my bumper)...
I've been passed my test just under one year and I've had my new car for three weeks. Last week, I was stationary when someone else hit me from behind. The other driver claimed responsibility straight...
The van driver cut in front of my grandson, luckily he was not hurt but his bike was run over. The driver apologised but left the scene without leaving his details. I think he should be reported for this...
Do I have to pay excess on a no fault accident?
I have use of a hire car after a minor ‘no fault’ incident. The hire company damage excess being £300 (reflecting that of my own policy) regardless of how any damage is caused. I have rightly but begrudgingly...
In poor visibility one morning last October, I ran over a temporary traffic lights sign lying, almost invisible, in the mud on a narrow country road. It sprang up and damaged my car. My insurers arranged...
 

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