has anybody heard of this?

[marc nelson]

sorted out some insurance out today on my evo IX im only 24 and paying £2500! with £1000 excess! on the cover note it says:

special conditions, restrictions and/or excesses (in addition to standard policy excess)

£ 1000 fire and theft excess

5000 limited miles

excluding theft when not in garage !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

please note!
A £500 compulsory excess applies
includes driving other cars


what does this mean to you excluding theft when not in garage????? only covered when garaged and not if it gets robbed from the shop?

what you think people?

cheers

 

[quakes]

honest m8 s.h.i.t.e

what ncb u got

m8 u would b better off gettin a traders policy, my m8 is 24 1 years ncb and he's got a traders and payin 1100 for it and he can have up 2 15 motors on it.
his main car is a ver 3 wrx

 

[quakes]

i think its a little compamy called the trademan i will get number 4 u

 

[Nick]

I would be very cautious. I would want that clarified in writing.
And I be checking the rest of the docs very carefully!

PS Quakes, Write in English please

 

[quakes]

PS Quakes, Write in English please

lol what u tryin 2 say, i speak perfik english it might not b the queens english but its black country english m8 lol

 

[marc nelson]

i know what u mean, i wrote word 4 word whats on the paper! think there trying to say not insured if its robbed unless its out the garage!! so the shop is out the question? jokers quick to take a deposit but never thought to say this!!

Quakes iv got 4 years ncb!

 

[quakes]

i not quite sure on what 2 think about it m8
as nick says read your policy summary very carefully m8 there is alot of excess's

£500 compulsory which no matter what, u have to pay it b4 u get the car back

 

[quakes]

m8 i no its a joke but have u try'd the comfused.com.......

have u try'd keith micheals thats how i'm with they import specialists (but stay away from groupama) i am class'd as an inexperinced driver in they eye(dew 2 bein my first high performance car) 6 years ncb and only payin £860 comp with all mods on or added with driving other cars.

then i phoned A plan they couldn't match it but said come back renewal and we will half that so will b tryin them july

keith micheals number
0845 3373380

 

[marc nelson]

yeh it might just mean if the car get nicked outside the house out the garage over nite it aint covered!? gonna spk 2 then 2morrow!

comfused.com £3000 and keith micheals said no chance haha

im insured from 2morrow and ment to get the car but if this aint sorted no go cant chance my nice new evo (pride and joy) for this!

ill keep you all posted cheers for the advice!

 

[ElDopesta]

Hi Marc,
It is obvious that the terms refer to where it is parked over night. If you had a claim in which you told them that the car has been stolen over night, they would ask the police for a full report including your statement when they ring them for the crime ref number. In this report they would pay very close attention to see if there were signs of forced entry into your Garage before they even consider a pay out.

If you had an accident, they would send an assessor out to inspect the car and check the mileage, if your car was over the 5k limit then they will not pay out.

If your car is stolen whilst out shopping or something then you are covered. If you stay over in another town over night it might not be covered. You will have to clarify this with them and tell the person on the line to email you a confirmation of the complete terms and conditions if you do not already have them.
If you were hit by some one and it was decided by both yours and the other persons insurers that it was not your fault, you would get your excess fee back.

You have a 14 day cooling off period, if you have not received a cover note through the post yet, you are entitled to a full refund. Try looking a little harder for cover.

A traders policy is no good for you.

Let us know how you get on buddy.

El