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Insurance

You've summarised this fairly Karl - basically the policy holder has to disclose any relevant information to being able to assess and underwrite the risk, so its not an opportunity to give false information. If I recall correctly the rule change referred explicitly to companies' refusing claims due to spurious points of detail that couldn't have a material impact on assessing the risk.

I guess there will still be instances where claims are refused, sure - I'm just suggesting that this isn't as frequent an issue as it was a few years ago.
 
Well put Karl.

Maybe there are less people lying, aka giving false information these days now Dave.
 
This is the ombudsman's guidance, which I think summarises it pretty well (this is aimed at the insurance company, BTW):

When a customer buys or renews an insurance policy, CIDRA says the customer needs to “take reasonable care not to make a misrepresentation”. When you’re deciding if a customer has taken reasonable care, you’ll need to think about:

  • the type of policy taken out
  • any documentation you gave to the customer
  • how clear and specific the questions were
  • whether an agent was involved, like an insurance broker
If the customer didn’t take reasonable care and misrepresented some information that affected the policy, you’ll then decide whether the misrepresentation was careless or deliberate.

If the customer did take reasonable care, then even if there was a misrepresentation, you can’t take any action against the customer.
 
Good as far as it goes, but it says"guidance".
The insurance companies can ignore it and make their own rules regardless, however they see the situation, (their company their rules) and make the final decision anyway.
Whether we agree one way or the other, everyone still needs to very careful wording applications that could in reality be seriously detrimental to them. Personally, I dont want that risk.
I'll carry on telling them the truth with no wrangling or comebacks which maybe as serious as prosecution/paying my own damage/someone elses/or any injuries worst case scenario.
 
CIDRA is the consumer insurance act - the ombudsman quote is about interpretation of this. In practice any insurance company ignoring this would almost certainly lose if the case was referred to the ombudsman.

I guess my point is that some of the comments about the companies just trying to get out of claims is maybe a bit out of date.

But I completely agree with you - for my modified vehicles I tend to declare anything that I think could be considered relevant when it comes to modifications - so suspension, tyres, etc. As you say, better to be sure, and it gives very little room for the insurer to argue, especially in the context of CIDRA.
 
Mmmn, I don't know whether to say Insurance companies are crooks or quite like crooks.

March is an insurance month for me, so this is how I got on.

Fleet insurance with NFU. £5550 for 3 trucks, not too bad and on request couldn't do any better, asked for claims experience certificate to be emailed to me and next morning along with the CEC was a revised quote for £4100.

80 auto renewal quote came through at £280, forgot about it and it auto renewed so I couldn't complain. ( Ad Flux)

120 renewal came through, £450, Maria commutes with it so I expected it to be a bit high, a little chat and it was £375. ( Ad Flux)

Last but not least the 90 V6.
Quote came in at £405, another chat and it was £250 inc key loss/ replacement up to £1500. ( Ad Flux)

As they say " it's good to talk".
 
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I believe that the insurance rules changed this year in that companies should quote you the same as someone getting a new quote. I'm just about to look at bike and car insurance, and I must say not a fun thing to do
 
WTF :wtf:

"this policy only covers your vehicle . The driving and riding of other vehicles is not included"

When did this become the norm as the girl who just phone me from Flux informed me it was ?

I have always assumed that two legal drivers/vehicles could drive each others car legally ?
 
Depends entirely on the policy Shayne. Most policies used to allow you to drive any vehicle not belonging to you on third party cover only, but its not always the case, especially on specialist policies.
 
Yes it used to be standard, And AF used to offer you fully comp on other vehicles for a small fee too. But now it isn’t always included, I had it on my Honda but not on the FJ when I had two policies.

Also beware as the cover is for ‘emergency use only’ ie if you had to collect a friend’s car if they were taken ill etc, not for borrowing their car when yours is off the road.
 
I read the first policy and it was obviously ok then , but i've just renewed the same policy every year so i have no idea when it changed .

Surely it should be recognized that as enthusiasts we don't want to be driving anything else .

But if i have a pint the mrs drives home or visa versa and when the kids say something wrong with the car or just the random mate says take this somewhere for me , i won't be spending an hour on the phone and throwing money at insurers every time .

I would call that an outright irresponsible policy .
 
All my FC policies, for both car and bikes, had and still have the "drive other vehicles not owned by me" facility with 3rd party cover only and no "emergency use" caveat either. Any vehicles you drive in this situation must be fully insured by the owner though.
 
That's my point TP - its down to the individual policy terms. If Shayne's terms changed at any time, then AF should have made this clear at the time of renewal. Private car insurance policies still usually have this, but specialist and commercial policies often don't.

@Shayne - remember AF are just brokers, I'm guessing that they changed the insurance company on you at some point in the renewal process, and the terms changed when they switched companies (at least that would be my guess). If its a recent thing then you have grounds to go back and challenge that they should have notified you of the change prior to the renewal, or offer you an alternative underwriting company.
 
They rang as i read the renewal email sent a few days ago so i haven't renewed . Its no good to me as is so i might just sorn the truck until swambo's insurance is due and then do a joint multi car or whatever .
 
I do give my cars to friends (sometimes for months as well) and used to ask them to drive me when I am drunk and vice versa. I always had this confusion but too many rules to make life narrower so stopped looking at them.
However, while taking insurance I ask to give everything. Comprehensive, use of other vehicles etc etc and also add my wife's name on cars by default as she is my emergency driver. I am yet to teach her how to drive LandCruiser, all controls are the same as her car but the turnings need some practice due to its van like size.
 
Be worth you asking AF to re-quote to include other vehicle cover - they should have multiple underwriting companies available - see what they come back with. Else try NFU or similar.
 
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