Car insurance - interesting exclusions!

RichardD

Just reading my new insurance terms and conditions and spotted this clause

gadgetboy · Posted: Tue Mar 03, 2015 9:23 am Post subject:

That's nothing new Richard. That or similar clauses have been in insurance policies for many years.

RichardD · Posted: Tue Mar 03, 2015 9:27 am Post subject:

Probably, but I've not spotted it before.

This insurer is making everything very clear, something I like!

gadgetboy · Posted: Tue Mar 03, 2015 10:11 am Post subject:

It's actually an offence in Northern Ireland to leave your car unsecured. Rarely enforced now but still an offence nonetheless.

Nightbar · Posted: Tue Mar 03, 2015 12:13 pm Post subject:

Useful - thanks.

** GED ** · Posted: Tue Mar 03, 2015 12:13 pm Post subject:

absquatulation · Posted: Tue Mar 03, 2015 1:07 pm Post subject:

Is it true there was once an insurance exclusion about going to Liverpool.
I.E. If you go to Liverpool you're not covered for theft....

** GED ** · Posted: Tue Mar 03, 2015 1:23 pm Post subject:

YUP.

certain postcodes are not covered by some companies, L8 being one of them

also, courier and delivery vans had clauses put on that in certain areas, the load was not insured.

http://www.clickliverpool.com/news/local-news/1...-8-residents.html

my postcode is not covered by......

you ready for this.......

Liverpool Victoria Rolling Eyes

Nightbar · Posted: Tue Mar 03, 2015 1:24 pm Post subject:

And Liverpool tried to give Clarkson a hard time about what he might have implied Cool

** GED ** · Posted: Tue Mar 03, 2015 1:26 pm Post subject:

nope, some people gave Clarkson a hard time because the local rag misrepresented what he actually said.

you know, responsible journalism

ps, the local rag is printed in..........

Manchester....

xamtex · Posted: Wed Mar 04, 2015 2:38 am Post subject:

i bet this guy wished he had taken the keys out before he went to assist someone?????
http://www.bbc.co.uk/news/uk-england-manchester-31688824

when i first read it i thought it must be in liverpool but no,manchester???

** GED ** · Posted: Wed Mar 04, 2015 7:27 am Post subject:

not many cars get nicked here now.

but hey, old stereotypes and all that Rolling Eyes

could be worse i suppose.

could be scottish Shocked

cynic-al · Posted: Wed Mar 04, 2015 7:51 am Post subject:

We used to have an ex sas soldier as a lorry driver who also drove for netto and carried a large machete. In certain areas they would pinch food out the back at traffic lights and stuff out his cab whilst unloading.

I believe if they take the keys from your house by walking through your unlocked front door and picking them up some will refuse to payout. :/

RichardD · Posted: Wed Mar 04, 2015 9:12 am Post subject:

RichMayo · Posted: Wed Mar 04, 2015 9:36 am Post subject:

Out of interest what was the result of that in the end? Did they get the insurance pay out? I guess the argument was the keys were behind a locked door regardless of where they were in the house.

I think there is an element of "don't make it easy" for the thieves. A bowl by the door ain't so great in that sense... unless it's least hidden / non-obvious. I guess it starts getting a bit hard to quantify from a legal perspective what is "sufficient steps"... as given enough time and effort on the thieves behalf they'll find keys. I always think of leaving them by the door does leave you exposed in a similar way to leaving your keys in the ignition at the road side in the sense an opportunist might just pop their head through the door in case there's a quick and easy grab - unless you lock the door every time you go through it.

I was chatting with my friend about the security of my vehicles the other day and he pointed out it might take them a while to find one which starts and if they do it might be blocked in by one of the ones which doesn't start...

RichardD · Posted: Wed Mar 04, 2015 9:56 am Post subject:

The cars were recovered with minor, but expensive damage. One was a big Merc and the thief abandoned it in a hawthorn hedge.

The insurers (different companies for each car but playing the same trick) paid out and although I don;t know the exact details I understand they agreed to cough up for all the repairs, car hire and legal fees - a nice trick for Johnny as he was the lawyer and it covered his time - but not for inconvenience and hassle.

xamtex · Posted: Wed Mar 04, 2015 12:19 pm Post subject:

would this be taking reasonable care??

RichMayo · Posted: Wed Mar 04, 2015 12:27 pm Post subject:

Hah yeah I guess! Depends what the dog is trained to do...

"I need to make a claim - my dog stole my car..."

** GED ** · Posted: Wed Mar 04, 2015 1:19 pm Post subject:

w3526602 · Posted: Wed Mar 04, 2015 4:55 pm Post subject:

Hi,

I ran out of petrol near RAF Weeton not a house in sight Walked back the following day, with a can. Unlocked door, put keys in ingition, walked round the back, removed filler cap, starter to pour ..... starter motor began to churn ...

I assume the tramp had come through a hedge. ??? Whatever, he had a fine pair of heels. Very Happy

There was a feature on TV a few years ago. The "victim" agreed to go out for the evening, leaving usual security in place, reckoned the volunteer burglar wouldn't get in. It was a professional burglar, who was going straight, but willing to act the part for the evening.

He did get in, found the keys to the Land Rover, hooked up the horse box trailer .... and filled it with the contents of the house.

602

( Gray ) · Articulating Joined: 15 Apr 2012 Odometer: 597

RichardD · Posted: Wed Mar 04, 2015 6:51 pm Post subject:

If someone wants it badly enough, they will take it.

Locks are there for the casual or opportunist thief only, the pro will know how to take it cleanly.

cynic-al · Posted: Wed Mar 04, 2015 10:05 pm Post subject:

Some people I know leave the keys downstairs at night rather than by the bed so that if someone breaks in they take the car and don't come upstairs. I guess you could have a smashed up key safe in your house and just say they were in it?

Someone my dad worked with had his garage broken into one Christmas, they managed to start both cars, dumped them on the road and nicked the contents of the freezer Very Happy