Dave and Helen, I applaud your integrity and honesty. In April 2022, someone drove through a red light and hit my car and wrote it off. Contrary to your experience in the UK, the insurance company of the other party tried every trick in the book to get out of paying anything. Fortunately for me, the other party was also a good honest person who admitted to her fault and was very nice throughout. My second piece of luck was that my partner works for a major re-insurance company and therefore understood the technical lingo and could catch any spoken 'fine print' quickly and therefore detect any nonsense. In the end I got what was due to me although I was without a vehicle for more than a month as the courtesy car had been taken off of me after 2 weeks. My timing was lucky. Thanks to the pandemic pushing up the prices of second-hand vehicles (I wanted a new one, but would have had to wait over a year), my 16 year old Pajero was still worth just a bit north of a quarter of the price I paid for it brand new! (🇯🇵 experience)

Can’t buy integrity David and I wouldn’t have expected anything less from you mate. Good to see Willows again , we haven’t been this year. Thanks for sharing Helen and Martin

Hi This is jan n dave, first time ive ever done any thing like this,we are not very technicle,totaly agreewith your comments about insurance in your last video.We,ve seen evrery video its brilliant ,keep up the good work,Webeen caravaners for 33 years love it.

This ridiculous behaviour by insurance companies is why all of our insurance premiums are going through the roof. All this cost for a small mark on a wheel. It’s completely ridiculous and has to stop. I also don’t even see how he can claim for whiplash against his own insurance when he’s at fault and caused the accident ? Good on you for your integrity and honesty.

Dave, all credit to you (as I’d expected) - a real shame many others don’t show the same integrity, false/fraudulent claims impact us all. Shocking behaviour of the insurance company! The Hilux look great, but I agree it wouldn’t be practical for us either. Enjoy your GS 👍

This awful sorry for you both, seems to be happening all the time. Good on you being honest Dave 👍😃

I had exactly the same with the insurance company my van was with.i was hit from behind.police were involved.exchanged insurance details. And a couple of weeks later.i get a phone call from my insurance company.and it was exactly the same strap line.and the offer of £ thousands.if I speak to there claims department solicitor. I in no way had whip lash and none of the other drivers seemed to be complaining of that . They must be getting a back händer .also hire car charges . I think I once watched a video on Jay emm Chanel about a chap with a Porsche and the cost of the hire car charges.that Toyota you have that's more like a commercial vehicle. Fantastic video.thank you.

Insurance companies never cease to amaze me. I don’t think I could live with the Toyota Dave, for all the reasons you gave. Good to see you at Willows again. Take care and hope the Kia is back soon 😃👍🏻💙 Trev

Goodonya from Australia Dave and Helen, honesty and integrity are sadly lacking in many instances in the UK, here in Australia and elsewhere. We have lots of Utes in Oz, a lot of people need the towing and payload capacity. Over here many Utes have canopies on the back so plenty of storage. Enjoy your travels and stay safe.

Love your channel for the total honesty you provide, really enjoyed watching as always, having just moved back to a caravan from motorhoming we were considering a change of tow car from our Ford Kuga and were thinking of something like the Helix but taking on board what you say maybe it is not so practical, Maybe we will keep towing with the Kuga for a little longer til we really do know what we want. It is terrible that the insurance companies are pressuring people into making false claims which is mainly for them to make more money whilst the rest of us have to suffer the hike in premiums. Thanks for a great video

I saw the thumbnail and thought “why has Dave bought a pick up”. Gail sat down and said “They’ve never bought that surely”. I drove a Toyota Hilux around 15 years ago at work and from experience, in my opinion found it impractical. You almost need a step ladder to access the centre of the load area. Top marks for honesty though Dave 👍 and an eye opening video. I’ve been driving for 37 years and never claimed, yet insurance continues to rise and it’s become clear now why ! All the best to you both, Rob & Gail 😀

I have added insurance agents to "the list" alongside estate agents, solicitors, financial consultants...

I hit a fox late one night and it did a surprising amount of damage to my VW Golf. I got a quote for the repairs. I talked to the insurance agent and he said I would lose one year’s NCB on top of the excess for claiming. I asked if that meant that in a year my insurance premium would return to the same as then and he said no, it wasn’t that straightforward as there were other issues to consider. It turned out that by claiming it would take seven years for my insurance bonus to recover to the point it was at the time of the accident. That worked out at several times the cost of the repairs so I said I would not be claiming. I then went to the body shop to make an appointment. They asked for my insurance details and when I said that it was me who was paying he went back to his computer and came back with a different quote about 30% cheaper than the original. He pointed out that the cost was always less for private customers than insurance customers. I presume in my case the extra £600 or so that the insurance company would have paid out would have been shared between the repairer and the insurance agent. No wonder insurance rates keep on rising.

It would have been nicer with a tonneau cover on the back bed…lovely motor John. I would have bought some big plastic boxes to contain the shopping ,cool box etc..and enjoyed my holiday in that corker..

Totally agree mate. Somebody bumped into my wife’s car in a car park. We tracked down the offender who had driven off. Went through the insurance because they had driven off, but insurance company tried to get us to claim for whiplash even though no one was in car at time of accident. We didn’t claim obviously. It’s no wonder insurance prices have gone through the roof!

Hi Helen and Dave. Insurance companies are unbelievable, and they take a liberty when it comes to claims. I was thinking about changing the kia for a pick up and now I will think long and hard about this. Its good to know how you've got on with it. Tha ls for sharing Paul and Sarah

We have a L200 pickup truck, the third in a row. It has a hardtop but the easy way to carry shopping etc is to place it in plastic trays in the tub as it’s known. Cheers

Hi Helen and Dave, can’t say it was a shock to learn about the insurance companies’ shenanigans but well done for staying out of it, you must be one of the few. We’ve had our second trip out with our Freedom micro caravan and eager for more. I notice that your (own) tow car is an automatic. Our tow car is a Citroen C3 Picasso automatic and wondered if it best to drive in auto-mode or gear-selection mode when towing? I notice that the car doesn’t seem to like 6th gear when the caravan is behind. BTW I had the caravan and car matched on the “Towsafe” online service. Keep up the good work!

I had a similar experience recently. A minor prang in a car park, car that hit me doing only about 2 M.P.H, I was stationary by the way, scuff around the wheel arch and a bit of paint off the centre of the alloy wheel. Thought like you, don't see why I should be out of pocket, car had slight damage and it would not T Cut out so reported to my insurance company. Took it for repair assessment and all was good, damage noted and date fixed for repair to be done. Next thing is I get a call from my insurance saying the car was "unsafe to drive because of damage to the wheel", which was ridiculous and the repair assessor definitely did not say that, if that was unsafe I would guess 90% of all cars on the road with alloy wheels would be unsafe, kerbing, loss of paint, etc. I challenged this and they backed down, I was an aero engineer for 30 years so I have a good idea what is safe, no further comments from them. Took the car in for repair and they had it for about 10 days, hire car obviously, did not see why I should be inconvenienced and I do pay extra for "like for like car replacement", I thought it should have been 2- 3 days but hey ho. The point is, that insurance companies are trying to drive up cost of repairs through use of hire cars, no the wonder insurance premiums are going up in the UK. Incidentally a vlogger I follow " the electric Viking" advises these steep increase in insurance premiums is a UK only issue, not seen in the USA or Australia. To my mind the insurance companies need to be investigated, there is something fundamentally wrong and possibly illegal about the way they are operating.

Well said that man!! Good for you being honest 👍

I salute your honesty Dave... I agree with absolutely everything you said both about the insurance companies situation and the Toyota... you've done the right things and that's all that counts in the end... similar thing happened to us when our car was reversed into 5 years ago and it won't make your premiums go up through a no fault accident contrary to what's been said... anyway cheers for another great video... Dave and Jane 👍

Good for you, this is why Insurance costs keep going up, its a right game isnt it

Hi Dave & Helen. We were given a similar vehicle a few years ago by the insurance company & like you it towed fantastic but the ‘boot’ space was horrendous & this had a cover on it . Try kneeling on the ribbed base when you need to get bags etc from it !! One good point was I was thinking about getting one for work but thankfully decided against it due to the impracticality of it & being so high up at the back aswell! Insurance companies are so bad at pestering you to make a claim!! Still get pestered now 5 years after a major accident! Well done for saying no . Great video again 👍👍

I have a dashcam, I always park so the nose of the car is facing outwards (ie I reverse into the parking space) and a ALWAYS leave my dash cam running for exactly this reason. Oh, I also have an older version of your hire truck. Yes, the parking spaces are an absolute pain - but there is hope on the horizon due to spontaneously exploding EV's - as most car parks are now looking to increase the space allocation due give people more room to escape if they are unlucky enough to be next to spontaneously exploding said EV's!! Oh, and I have a hard top on the tub and a reversing camera. Brilliant. Does exactly what I want. Shame they didnt give you one with a top. I dont use my truck for work, it is really an SDP vehicle but tows so nicely. I have had cars that are supposed to tow my caravan, and they have all fallen short. This doesnt.

Well done David for sharing your experience of a minor incident being totally blown out of proportion. The third party that collided with you should be ashamed/ the insurance company that advised you to claim for whiplash should be struck off & named( i know you can’t do that!!) The evidence of the damage you are asking for should have not even gone through the insurance companies, surely a claim would cost the third party more than the £250 you were asking for in the long run? It just shows the state of this country where insurance companies & lawyers are dragging out stupid claims & must be making money I suppose!!!!?🤔🧐🥳

I nearly bought a Ford Ranger Raptor pick up but was told they aren't very good to drive. Glad I opted for a Volvo XC60 Inscription Pro D5 Auto, fabulous car and a great one for towing, especially with the airbag suspension. Really fancy a stay at that site :)

I noticed you went past Elveden Centreparcs at Thetford , always our choice now to join with the family and grandchildren, been visiting all of the various U.K. Centreparc sites for more than 30 years now..

Excellent point of view on all accounts!!! Thought it was just me that couldn't see the insurance thing! But Norwich Union rule the roost, and dictate the rules to all insurance providers who brooker themselves out!!! No good insurance companies until they pay out? Boy do you get clobbered when you dare after no the next year!!! All a big CON!!

What a fantastic campsite. Loved that vid.

The little jet was a phenom used by RAF Cranwell as a taxi cum flying trainer for multi engined jets. the dominie was the predecessor to this type. happy holidays.

We got a pick up with an electric roll over cover absolutely fabulous, had to pick up from site wet awning, carpet etc, so much better than a car for that. Tows twin wheel caravan like a dream much better than the car as it’s wider too, think you change mind if you had a decent cover over the but of the pick up it’s a must!

I was so surprised what your insurance company said, that I sat bolt upright throwing my head back giving myself whiplash, who should I claim from 🤣

Nice to see some realism at the start, small spaces can look like a bombs hit it, with just a few cups left on the side etc....great job licking it into shape Helen. The gas guzzling toyota tank is far too much to tow a caravan, and certainly not practical for your needs....Insurance is nothing but a rip off that we pay under duress. Most of them are sleazy and untrustworthy to my mind. Wrap up, gonna get colder!!!!

As others have said Dave, kudos to you and Helen for not being tempted into what is essentially a fraudulent claim. To be honest, these things really p*** me off. Like you, I've been driving 40+ years. No accidents and no claims but an ever increasing premium. On a lighter note. I have been looking at a new tow car lately but a pickup is definitely out of the question. Unless of course you fancy one of those awful fifth-wheel thingamabobs. I'm guessing not 😆👍

I was bumped by a courier in a Mercedes sprinter on Halfords car park…the guy accelerated away fast…i found out from the police who it was….his manager admitted on the phone he was going to do something about it…the estimate was about £500…then a week later he said his van was off the road that day.. Then some unidentified insurance bloke came to look at the damage..result….he got away with it…my car was brand new….my advice …keep on the public road if you can then the police are interested..

Roll cover and compartment dividers in the rear and the pickup is way more versatile than a standard car. Not overly expensive options either.

Sorry to hear of your problems. I have an incredibly strong dislike of insurance companies, my favourite line when looking to renew is to ask for a quote that is cheaper than the fine for not having insurance! As a quick footnote, ask your insurer if they are still covering you even though they have supplied you with a vehicle not fit for purpose. I think you will find the towball is not compatible with your alko hitch. There is a version of it that is though but the ball neck is taller. Excellent presentation as usual.

So a colleague of mine decided to play bumper cars in our car park. Hit my car whilst reversing into a space. Both company cars. We have an accident repair company next to us. They estimated the repair to both vehicles to be in excess of 6k for something that a smaller body repair centre has repaired for less than 1k. No doubt they just wanted to generate a parts list and an invoice, then return the parts. With regards the pickup, I totally get they are not for everyone. But I tow with a SsangYong Musso pickup. For me it works very well. Fuel consumption doesn’t bother me as it’s a company car so it’s my only expense. With two kids the space in the pickup bed is very useful indeed, though as you said you do really need a hard top or tonneau cover to make the space useful. It also tows extremely well.

Hi, if you don't mind me asking, where did you buy your fitted bedding and base valance sheet, we are picking up a new Swift Major 4sb in December which has the same layout as your, looks fantastic by the way 😊

Hi Helen and Dave I agree with everything you've said about the vehicle lovely but just not practical for your needs. You were very lucky to be given a tow car of any sort... I had some vandalism done to my vehicle a Toyota Land Cruiser the only courtesy car I could get from my insurance company admiral was a little Nissan micro.. no use at all had to cancel many trips in the caravan was not happy!!!

Use a VW Amarok 2.0L BiTurbo auto - tow 2ton Hobby no problem 28mpg. When we got the caravan we put a back on the Amarok and storage is huge - in fact you can put a 1000kg in the back and tow 2tons with ease the only downside is very occasionally with parking spaces - definitely wouldn’t change - insurance is a rip off and your experience sadly is no surprise

Completely agree. We had a similar situation a few years ago and were inundated with calls from companies pushing us to make a claim. Like you we refused to do so. Well done you. On the case of the Hilux. Yes lovely car but for us it would be impractical. Travelling Robert gets away with it because the parking spaces in the States are so much bigger. We have an Eccles Sport 554 towed with a Santa Fe. Back from a summer trip down to Croatia. No problems.

Yes great honestly and Inwiuld feel the same as you. It really disgusting what people are claiming for and shouldn’t be allowed. On the tow car , We pull a twin axle with a Kia 2.2 Sorento that’s a great tow car at 34mog… we were thinking of purchasing a similar pick up but yes I believe with the sliding cover they still aren’t water proof ??? On 2 minds here also Dave . Interested to hear any of the comments and thoughts back at me :-)

Hi, We love your informative videos but I would love to know your thoughts on your Kia Sportage, like how do you like the auto box and towing capacity etc. Many Thanks

Well done for your honesty regarding fraudulent insurance claims. It’s disgraceful that it is actively encouraged ( by your own company!). As you say for what was clearly a minor collision it has been needlessly escalated into a many £ k claim. Then we as motorists ultimately pick up the bill by having to pay increased premiums, when in fact we haven’t even claimed 🤬🤬. With regard to the Toyota Hilux pick up. We tow with the 2.8 litre one, which I personally think is a great tow vehicle ( I get low 20 mpg when towing 1700kg van and high 20’s when driving solo) I have it for work purposes and have a canopy fitted over the rear. With a canopy fitted it becomes a huge useable space which when caravanning is great for throwing all types of stuff in without having to worry about it getting dirty etc. Totally understand that the one the insurance company have supplied is open to the elements and as such isn’t a lot of use ! Hope you’re Kia is returned soon 🤞.

I hit a car at about 2 miles an hour and the insurance said the other party had claimed for whiplash and did I want to claim ! Like you I told them to go away!

Hi guys I have just got me a Mazda cx60 great tow car but like you said insurance through the roof solely for this reason,other people claiming for nothing really.only had the van a couple of months and looking for sites next to airfields,looks a great site what’s the prices like and does it get busy in the summer months.both retired so it would be mainly in midweek great videos by the way.

Hi Dave, I agree with you totally mate. I too had my car bumped and was asked if I wanted to claim for neck injury even though I said I was ok. They phoned another four times, trying to get me to change my mind. The truck nice but agricultural I feel.

Not sure how suitable the Hilux is on narrow British roads, but in Australia that is the country's number one selling vehicle, followed by the Ford Ranger. Our caravans tend to be heavier than British ones, so the need for something with a 3,500kg towing capacity is popular. The Dodge RAMs are gaining popularity, along with the Chevrolet 2500 and Ford F-150/F-250 models. British caravan parks seem more like carparks. Do you have caravan parks that are more holiday themed parks with facilities for children etc? Seeing caravans without roof mounted AC units is an odd sight. We got to 37°C yesterday here, and couldn't survive without AC, except for perhaps two months of the year. One of the more popular activities is what we call "free camping", where you grab your caravan or camper and just go find a remote spot all to yourselves. We owned a caravan, but now have a 12.5m tag axle coach converted into a motorhome. With a 1,000 litre water tank, and enough solar to not plug in for months on end (we haven't plugged into a caravan park powerpoint since February), we are pretty well self-sufficient. Good for you too in not succumbing to the insurance request. Fraudulent claims like that do nothing for insurance premiums. Safe travels and best wishes from a new Australian subscriber.

We were hit in the back 3 years ago. I have one of the first new Defenders and in the ice a van went in the back of me as I was waiting to turn right. The van lost its front end and minimal damage was done to the Defender, except they couldn’t decide if the deployable tow bar was damaged or not. The car went away for 5 weeks as it was so new there were no spares. I got a replacement RR because there was nothing similar at over £700 a day! Plus, like you the insurance company tried to get me and the better half to claim non existent injuries. In the end I took my car back early but had to sign a disclaimer saying that I wouldn’t tow until the bar had been replaced. No wonder insurance is skyrocketing!

Hi dave it's John and Tina we met you at yarmouth that's disgraceful that explains why my insurance as doubled this year I been driving 40 yrs no claims and we paying because of claims like that plus fuel I no what you mean swapped volvo xc 60 for the ml 350 wow can it drink great video as usual

Great points about insurance, and also, please report them for fraud! Along with every single "aeroplane" that's claiming for no existent fuel !

Hi D & H, I'm with the Hilux is absolutely no use to you both, the only way you can secure goods in the flatbed is by using tubes and load straps, but even then it's still open to the elements. I really must arrange a mid week trip to The Willows with some buddies, one of which is a huge model aircraft builder, and would love it there. Until next time TC and safe travels, Neil

Nice looking car with good towing capacity but not for us either. Disgusting the way insurance companies are operating and yet you try to claim on your own insurance and they will do anything in their power not to pay out!! Well done Dave 👍

Well done for highlighting such underhanded and dishonest claims no wonder we are ripped off on insurance renewals,this is happening everyday of the week.I hope someone in government sees this .I agree about your tow car👏

My jag ( only had it six months) was hit drivers side , front and rear doors whilst I was in Aldi 's. Luckily the driver stayed and we exchanged details. Drivers insurance covered all costs but my insurance shot up because of the claim. Good job it wasn't my harley or I'd be doing time for manslaughter.

The trouble is, even though the accident was not your fault and his insurance company will be responsible, what normally happens with insurance companies, is that they have an agreement to share the costs of claims between them, behind the scenes, (like laying off a bet) and you will definately be required to confirm on your next insurance quote, that you have been involved in a no fault accident, within the last five years, which will definately put up the cost of your insurance for 5 years, each time you insure your vehicle, until after 5 years, when you no longer will have to declare that accident for an insurance quote.

I have 3 Porsche cayennes ranging from 2005 to 2008 and my 3rd party ins is £160 each and I get roadside recovery for that in Dubai.🤷‍♂️I’ll also add that I had to close my self drive van rental business which was purely for the film and tv industry, due to wiplash claims where cars would brake check you and 5 Nigerians would pile out. My insurance went from £35k to sorry we can’t insure you anymore.

In South Africa we use these vehicles for caravan towing because of the stability and load carrying capability. Isuzu, Toyota, Ford, Mitsubishi and Mazda "double cabs" are about the only tow vehicles you see by us. A shame really as a good SUV does make more sense!

I have a Hilux with cover on the back, just got a 23 plate and changed the tow hitch to Alko. Dreading to go to (eventually) an SUV as the back (with cover) is so big!!

Hi Helen and Dave, Well we think we have heard it all now, insurer's trying to basically sell false claims, good on you for your honesty Dave 👏. We both 30+ yrs with no claims, but insurance keeps going up. This may well be the answer 🤔 Anyway, on a more positive note, the pick looks nice, but yes, it's not practical. Hope this did not spoil your trip and hope you get the sportage back soon. Take care as always. Paul and Joanne 👍 😊

New drive looks good 👍

Hi Dave & Helen, is your Kia Sportage the 2.0L 134bhp or 180bhp? I’ve seen a couple and didn’t know if the 134bhp would be enough to pull a fair sized caravan? Thanks, Adam.

Good on you 👍

Words fail me Dave! Good luck with everything, dare I say there is perhaps a link between the military and integrity?

My experience. I have a Toyota Hilux, a Ford Ranger and a Ford Everest SUV. The Hilux is crap at towing more than two ton but a great work truck. The Ranger can tow 3.5 ton easily, i do that all the time and is also a great work truck. The Ford Everest is just so much better to live with as both a tow car with the capacity to carry luggage without it getting wet or damaged. Putting heavy items in the caravan is a good way to destroy the seals around the walls.

It's often unscrupulous solicitors that make those phone calls. I've lost count of the number of calls I've had like that, despite not having had an accident. I think all solicitors carrying out this practice should be banned from trading, because in reality, it is costing us all a small fortune. We've also owned a Hi Lux Invincible in the past. It towed very well, but was a little bit light on the back end, especially when going around roundabouts in the wet. We had a fibreglass hard top fitted to ours and it enabled us to take an inflatable dinghy and a decent size outboard motor away with us. You obviously wouldn't want to take that sort of equipment in an SUV or car due to petrol fumes etc.

I have a 09 Hilux 3 litre Invincible. I love it, getting nearly 35mpg, goes down to mid to high 20s towing. Mine has a canopy but you could have put a cheap tarp over the load bed would have sorted your load problem.

Well said Dave, see ya soon xx

12:00 Strangely Dave, the back of the pickup is called a bed, short for cargo bed. My wife's car got hit in a car park while she was stationary, with her parents in the vehicle. The poor old boy in the other car was virtually deaf, so had no idea he had made contact with her car but admitted liability. Long story short, our insurer outsources the entire repair process including loan cars to a middle company. The other party's insurer contacted me and offered a reasonable cash sum bonus to handle the repair (cutting out the middle company) and I could still use my preferred repairer. There's no gain with any of this when you factor in the time and inconvenience.

For a moment I thought you had purchased another vehicle..... I'm always weary of parking my vehicle anywhere...... Some motorists are so ignorant even on people towing caravans, I take it steady tough your behind me. Hopefully you get the kia back soon.

Lovely to see how much the man of the caravan helps out

I agree with all your points. However, it’s an unfortunate fact that you’ll probably be loser in all this as your insurance renewal will increase which I think is totally unfair when in instances like this it’s a no-fault claim. Would be interested to hear what it actually goes up, although it’s going to be difficult to get a true comparison due to the hefty increases everyone is paying this year.

Can't believe the insurance scenario. No wonder we all pay through the nose for insurance. Just an aside, here in Australia Kia Sportage would certainly not be used as a caravan tow vehicle. We have an Isuzu MUX which is great and more like a car. It's stablemate the Isuzu DMAX ute wasn't suitable for us. Like you Helen and Dave, we like the extra space inside the vehicle. Cheers

What has happened to the World! Completely crazy. Just got a quote for our car insurance renewal - full no claims and they wanted double the premium. Eventually rrnegotiated them down to an increase of about 20%. It’s just a disgrace. Feel your pain Dave

Hi Dave & Helen Good on you, shame on them i salute you great vlog as always.ATB Joe & Tracey

I was hit from behind just before going on a caravan holiday, luckily I was not towing at the time. The car had to be repaired and I was given a curtesy car of the same make and model but no tow bar. I told them about it when it was delivered and they were great, they took it straight back and fitted one the same day.

Hi Dave and Helen my insurance went from £300 to £600 this year and that was before I had bought my discovery getting fed up with it 🧐

Like you I've never had any insurance claims in 54 years yet for my sportage it increased this year by £240 ( my first 4 vehicles combined didn't cost that 😂)

As you said insurance company seemed to want it to cost as much as possible then as for the dishonest injury claim, as soon you said they’d hired that for you I thought would it not be easier to send you a check for £250

A question for Helen please, love the valence idea around the bed base. What size did you use and where did you get it from? Love the video and totally agree with your stand with the Insurance 😊

Wow. The nerve of some people. Makes my blood boil. I had the similar think happen to me a few years ago. I was fuelling up my car. Stood with the pump in my hand when a car reversed up In front of mine. Hitting my front bumper braking my number plate. And he had the nerve to get out and say I drove into him. 😮. Luckily a witness sore it all happen. He owned up in the end and ended up just paying £20 cash for a no plate for me. Could have claimed for totally new bumper. But I’m not like that. I’m honest and no liar. Hope you get it all sorted🙂

unfortunately been through the same situation. Still get calls today trying to get me to claim 😞

Hi Dave and Helen, Some people are just not honest, and his only shooting himself in the foot by claiming on his own policy, I'm a paramedic in Yorkshire and it is something we come across all the time at RTC's. People at low speed impact crashes are always complaining of neck and back pain, when the vehicle's have very very light damage, and in one case there was no damage at all to the car, but the man said he was unable to get out of the car, his attitude soon changed once the police and fire service arrived, and he was told that if he was not able to get out of the car then car roof would be removed, and the police said a report would be sent to the insurance company with photographic evidence of the lack damage, he was then out of the car in seconds and didn't complain of any pain. I claimed for a dumper repair years ago from a man that hit the back of my car, when i went to renew my policy in the section have you had any claims in the last 5 years, I put NO, two days later the insurance company called and said I had not been honest and if I wanted the policy it would cost an extra £50.00. I explained that i had not claimed on my policy, there answer was no but you claimed off someone else, but that not on my policy, the lady agreed but she said they still class it as a claim according to the insurance companies. Have a great time keep warm and safe.

Well done for shaming insurance companies. My own insurance quote for the coming year went up by £10 per month and I haven't made a claim since the 1980s. Needles to say I switched company, but still had an increase in my premium, just not as much. As you said in your video they don't seem to care about keeping existing client/customers. Thanks for your content 👍🏻

Sadly, honesty and integrity are becoming rare these days, good on your for sticking to your guns. If you get the chance have a go in a VW Toureg, oodles of space, oodles of power, ride is silky, but about the same mpg as the Hilux I would think.

I had a bus hit me ‘ was a little hurt but two days later all good , I never claimed a penny but had a hundred calls from people wondering why I never claimed and I’m not exaggerating

If you are claiming from a 3rd party who has admitted fault, your insurer not only gets the sum due to you, but they also charge a fee (%) for processing additional claims for you, increasing their cut and income as your insurer. Hardly surprising that they are so keen to add extra claims when they are not paying, but… if they are doing that to other insurers do they honestly believe that others don’t do it to them when it is their insured that is (even partially) responsible.

One insurance company offered me £600 upfront if I didn't claim for whiplash etc...by the way I've just come across your channel...I've subscribed. ..😊

Little wonder premiums are going through the roof!

100% happened to my wife and I. It made me so angry I told them to send the car back because £480 a day was just stupid what should of been a £350 claim tops must of been 5k plus easy and if I had not sent the car back in disgust you could add a few more Ks too. Good to know there are honest people like ourselves so well don’t to you sir. James

I had a police officer in an unmarked car crash in back of our tow car , long story had to inform insurance no damage to my car didn’t think anything about it next years insurance quote increased £300 due to a non fault accident!!!!! Not happy to say the least 20 years driving without points/accidents they was not bothered at all police officer said he was distracted because he was on his way to court !!!!

I cannot express what I think of insurance companies on here, so… Well you can get a lot of Ghost Ship to bring with you in that. Had a Navara way back as a tow vehicle, not so stable with nothing in the back, but now thinking about an Amarok so I can get a mobility scooter in it with a crane thingy, that will help stability. Trouble is all the issues with lithium battery EV fires, am somewhat put off, so scooter may need a V8 or similar, bigger crane will be needed, more weight in the back, even better stability, should be well sorted.

Pick ups aren’t for everyone. But for me it works with very well, a roller shutter on the back, full of lawnmowers in the week then awning etc and tows the caravan on the weekend, and the benefits of tax savings being self employed. But they aren’t practical for everyone. Shocked at the actions of your insurance company no wonder they are increasing premiums constantly!

I'd report the tale to the ombudsman. I am sure they would be interested. Craig had a similar vehicle from work he hated it.

Yes it's not surprised we are the rip off capital of the world 😢 glad to hear you haven't parted with your kia. I have a mark 1 sorento had it for 14 year's now & it has been 100% reliable & only goes in to a garage at mot time & i service it my self, shame I can't say the same about my last tow car a 300tdi discovery 😢

Hi Dave and Helen. Well done with your honesty on your claim. Insurance companies are just a joke, unfortunately it's a legal requirement and they play to that. It's disgusting that they promote this type of behaviour and we wonder why our premiums are going up at a ridiculous rate. I'm afraid the Toyota would not be for me and totally agree with all the issues you raised. Thanks again for another interesting vlog. Cheers Terry

Lol, I was right with my comment on Facebook.

hi you two great show name and shame the insurance company Dave its a national scandal regards Kev xplore 402

So what have you done about your insurance company encouraging you to make a false injury claim? These calls are generally recorded so submit a Subject Access Request for a transcript or copy of your conversation. Then once this evidence is in your possession make a formal complaint to the insurance company and when that goes nowhere, refer your complaint to the insurance ombudsman. Report them to Trading Standards. Get in touch with Martin Lewis the financial expert. Report them to the Police, last time I checked, fraud by false representation was still a crime. Although you didn’t succumb to their suggestion I’m sure many others will have so there will be numerous lines of enquiry for the Police to follow up if they make the effort. You have an opportunity here to put a stop to a multi million pound fraud loophole which I have no doubt many if not all the insurance companies entertain in one form or another.