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I was philosophical, knew I couldn’t win, so it went down as a two vehicle accident caused by me. My insurers weren’t interested in my uncorroborated version of events. No points or legitimate police involvement. So I lost my first ever year’s NCD and faced higher premiums from loading for a...

In the early 90’s I was driving down Edward Street towards the Pavilion/Church Street in the rush hour. All cars in both lanes were then heading north. I went across a green turning to amber …. several cars in both lanes crossed the lights after me. It was a police trap. A copper on his...

Always been the way. I was a novice driver in 1983 when a car drifted into my lane opposite Roedean mini golf course and we crashed. The 70 year old driver apologised profusely, "all his fault" we exchanged details. A lovely bloke, a retired copper. We were the only two cars in sight on a...

My advice is to do the right thing and see this through. An independent witness was a great help to me on a Sussex country road 5 years ago, when an idiot in a car came flying out of a builders yard into my brand new car. All told, the dope cost insurance companies north of £20k. At first he...