Ask Honest John

Most recently answered insurance questions
If Tim Kelly is right about ignoring indicators at junctions (the Highway Code says 'should' not 'must') what is the point of indicators, which are required by law? If all drivers did what Tim says they...
My son was stopped on his way to work by the police for having a brake light out. When asked where he was going he told them to work. He has fully comprehensive insurance but was told that he didn’t have...
I was recently hit from the rear in my van and the engineer deemed it a Cat S write off. I have since bought the van back as all it needs is some minor metal work, a rear bumper and back doors. It says...
When I signed up with my insurance company, I estimated about 6000 miles in 12 months. It is about midway into the year, and I have done 5000 miles already. What is the implication of going above the 6000...
I recently attempted to change my insurance policy as I had a change of vehicle and the premium went up by £440. When I questioned how this could be, I was given the explanation of increased risk, breakdown,...
One of my neighbours attended a driver awareness course and was advised by the police that he does not have to inform his insurance company. I think that he does have to as it is a change in a material...
Why do insurers charge a higher premium if your car is kept in a locked garage?
I had my first licence when I was 17 and have now reached 84 and have been a full time driver all my life with no insurance claims. Yet my premium increases by almost £100 per year. I used a comparison...
I was rear ended in slow moving traffic and reported it to my insurer who is a broker. Within a few hours I have had offers to repair the car and manage the claim from: My broker My policy underwriter The...
My current motor insurer will not allow me to add my son as a named driver until he’s over 25. My son will be home for Christmas when he will be 24 years and 10 months. My insurance is due for renewal...