What is a Small Claims Court?

Written by John Mussi


A Small Claims Court is a court set up to deal quickly with claims for small amounts of money. If you are suing someone or they are suing you for a small amount of money this is where you may end up. The Small Claims Courts can be found in your local County Court.

If someone owes you money or you have bought faulty goods and you are unable to settlerepparttar matter in any other way, you may decide to issue a claim throughrepparttar 146517 courts.

The small claims court is less formal than other court procedures and you do not need a solicitor.

You can issue claims for a variety of reasons, including, bad workmanship, damage to property, road traffic accidents, goods ordered and paid for but not supplied and personal injury. The county court in England andrepparttar 146518 sheriff court in Scotland deals with these types of claims, referred to as "small claims" or "small claims court".

The system for handling small claims is designed to be quick, cheap and easy to use and you do not need to use a solicitor, although you can do so if you wish. It will usually only apply to claims for 5,000 or less (or 1,000 or less ifrepparttar 146519 claim is for personal injury or housing disrepair), against a person, firm or company in England and Wales , and claims for 750 or less against a person, firm or company in Scotland .

Ifrepparttar 146520 amount of money claimed is 5,000 or less then it is likely to be heard inrepparttar 146521 Small Claims Court.

However, if your claim is for personal injury it will only be heard inrepparttar 146522 Small Claims Court ifrepparttar 146523 claim forrepparttar 146524 injury itself is not more than 1,000.

For housing cases involving a landlord's failure to repairrepparttar 146525 propertyrepparttar 146526 claim will be heard inrepparttar 146527 small claims court ifrepparttar 146528 cost of repairs orrepparttar 146529 compensation claimed is not more than 1,000.

5 Steps To Cheap Car Insurance Premiums

Written by UK Insurance Index


Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money.

Step 1 - Excess The easiest way to cut your car insurance premiums is to cutrepparttar risk and accept a higher voluntary excess. An insurer's standard excess may be 100 but if you meetrepparttar 146492 first 250 of any claim, you'll see a reduction in your premium. This is because you're taking on more ofrepparttar 146493 risk so you get a discount. But it's a gamble, be aware that you might have to meetrepparttar 146494 cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.

Step 2 - Security Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.

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