Ahhh - the old ones are the best!!

These excuses were on accident claim forms of a major insurance company. ere asked for a brief statement describing their particular accident.

1. The other car collided with mine without giving warning of its intention.
2. I thought my window was down but found it was up when I put my hand through it.
3. A pedestrian hit me and went under my car.
4. The guy was all over the place. I had to swerve a number of times before I hit him.
5. I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.
6. The accident occured when I was attempting to bring my car out of a skid by steering it into the other vehicle.
7. I was driving my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before.
8. I was on my way to the doctor's with rear-end trouble when my universal joint gave way, causing me to have an accident.
9. As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.
10. The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.
11. To avoid hitting the bumper of the car in front, I struck the pedestrian.
12. My car was legally parked as it backed into the other vehicle.
13. An invisible car came out of nowhere, struck my vehicle and vanished.
14. When I saw I could not avoid a collision, I stepped on the gas and crashed into the other car.
15. The pedestrian had no idea which direction to go, so I ran him over.
16. I saw the slow-moving, sad-faced old gentleman as he bounced off the hood of my car.
17. Coming home, I drove into the wrong house and collided with a tree I don't have.
18. The indirect cause of this accident was a little guy in a small car with a big mouth

Keep an eye on the kids

Children cause more than 850,000 accidents in the home every year and the resulting damage costs nearly £230 million.

According to new research young children are the number one cause of damage in their households, and are responsible for 42 per cent of all accidents.

It may be surprising to learn that teenagers are not the biggest culprits as far as causing accidents are concerned, they account for just one in five accidents around the home or 250,000 accidents a year, resulting in £68 million worth of damage.

With the summer holidays in full swing and the usual English summertime weather, school-age children will be in and around the home for most of the day. So parents are being warned to keep an eye on their clumsy kids.

And even those without kids can’t escape the damage they cause, because of the 850,000 accidents last year, 250,000 of them happened in someone else's home while visiting.

Making a false insurance claim could cost you your home

False claims and policyholders exaggerating the cost of damage costs the insurance industry £1.5 billion a year.

With fraudulent claims on the up and the cost of recent flood damage rising, insurance companies are continuing to crack down on false or inflated claims.

One of the ways they deter false claims is by sharing information with mortgage lenders and credit card providers, which could potentially make it much harder for claims cheats to obtain credit.

John Beadle, RSA's counter fraud manager, said: "The reality is that insurance fraud adds a significant amount to overall claim costs and it's the honest policyholders who are the true victim, Fraud adds five per cent onto their insurance bills"

He added "Consumers need to be aware that in the near future we will be able to monitor fraud across a spectrum of financial products. So if a person commits fraud on a claim and is detected, other companies, like mortgage lenders and credit card providers will be aware of it".

You've been warned!

How the neighbors DIY could end up costing you.

Homeowners in the south-east of the UK are the worst culprits in terms of DIY disasters, according to new research.

Some 29 per cent of the recorded incidents of damage caused to neighbours' properties as a result of property renovation occurred in the south-east, a new Halifax study indicates.

A cumulative £173 million worth of damage is caused by neighbours undertaking home improvement projects, with one-third of those affected having to cover the cost themselves, while others split the cost.

David Rochester, head of underwriting at Halifax Home Insurance, said: "A number of errant DIYers are not just damaging their properties, but their neighbours' homes too

DIY fans expected to cause up to £25 million damage this Easter

DIY enthusiasts could cause up to £25million worth of damage in British homes this Easter weekend - one of the most popular periods for taking on home improvements.

Research suggests that a clumsy 16 per cent of people have damaged their homes or their property carrying out a DIY improvement and the industry expects to pay out anything up to £25 million for DIY-related damage this Easter.

A survey of 2,000 householders by Allianz Insurance also found that nearly 30 per cent of people admit they have injured themselves or someone else while carrying out a DIY job. This figure is supported by the fact that an estimated 200,000 DIY enthusiasts turn up at hospital each year.

Worryingly, 55 per cent admitted to starting a DIY job without the correct tools and almost 50 per cent said that they had started a DIY job without really knowing how to do it - including electrical and plumbing jobs.

So if you're looking to start those long-awaited home improvements this weekend - you just mind how you go!

Earthquake could result in 3,250 home insurance claims

The insurance industry is bracing itself fro as many as 3,250 home insurance claims as a result of last week’s earthquake, which reached 5.2 on the Richter Scale.

It estimates that collectively these could run into tens of millions of pounds. However, with one in 20 households without buildings insurance, the bank warns that there will be a number of homeowners who will find themselves having to foot significant repair bills themselves.

Those who think that earthquakes are rare and that it won't happen to them should consider this.

There are more earthquakes in the UK than in any other European country – so there!