Insurance Jonahs

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L

Larry

Guest
So much for all those insurance Jonahs who have been saying that if you so
much as put a cigarette lighter in you invalidate your insurance.

My insurance comes up this month so I though I might as well tell them that
I have taken the seats out the back and converted the thing to a camper.

No worries, makes no difference. It has gone up slightly to £134, but thats
still fully comp, unlimited mileage and I can leave it where I like
overnight (within reason, I guess they would not approve if I left it in
tidal waters overnight)


--
Larry
Series 3 rust and holes


 

"Larry" <[email protected]> wrote in message
news:[email protected]...
> So much for all those insurance Jonahs who have been saying that if you so
> much as put a cigarette lighter in you invalidate your insurance.
>
> My insurance comes up this month so I though I might as well tell them
> that
> I have taken the seats out the back and converted the thing to a camper.
>
> No worries, makes no difference. It has gone up slightly to £134, but
> thats
> still fully comp, unlimited mileage and I can leave it where I like
> overnight (within reason, I guess they would not approve if I left it in
> tidal waters overnight)
>
>
> --
> Larry
> Series 3 rust and holes

Ok, so enlighten us as to whom this really good insurance company is then
please, so that all can benefit.
Badger.


 
In news:[email protected],
Larry <[email protected]> blithered:
> So much for all those insurance Jonahs who have been saying that if
> you so much as put a cigarette lighter in you invalidate your
> insurance.
>
> My insurance comes up this month so I though I might as well tell
> them that I have taken the seats out the back and converted the thing
> to a camper.
>
> No worries, makes no difference. It has gone up slightly to £134, but
> thats still fully comp, unlimited mileage and I can leave it where I
> like overnight (within reason, I guess they would not approve if I
> left it in tidal waters overnight)

For the record, who's that with?

--
"He who says it cannot be done should not interrupt her doing it."

If at first you don't succeed,
maybe skydiving's not for you!


 
On Tue, 9 Aug 2005 18:31:25 +0100, "Larry" <[email protected]>
wrote:

>So much for all those insurance Jonahs who have been saying that if you so
>much as put a cigarette lighter in you invalidate your insurance.
>
>My insurance comes up this month so I though I might as well tell them that
>I have taken the seats out the back and converted the thing to a camper.
>
>No worries, makes no difference. It has gone up slightly to £134, but thats
>still fully comp, unlimited mileage and I can leave it where I like
>overnight (within reason, I guess they would not approve if I left it in
>tidal waters overnight)

whether it affects the premium is not really the issue. The fact you
have declared the change means that they can't use it against you in
the event of a claim.

BTW, does anyone know what the rules are for losing no claims bonus?
The Volvo is in for a new rear wing and door (the dent was a wedding
present from Mandy). Will I lose all my (full) NCB, or just part of
it?

Mandy's Dad laughed when she said she'd crashed my car. He stopped
smiling when he heard who's car she'd run into....


--

Tim Hobbs

'58 Series 2 88" aka "Stig"
'77 101FC Ambulance aka "Burrt"
'03 Volvo V70
 
On Tue, 09 Aug 2005 21:53:52 +0100, Tim Hobbs <[email protected]> wrote:

>whether it affects the premium is not really the issue. The fact you
>have declared the change means that they can't use it against you in
>the event of a claim.

Do you really believe that?

>BTW, does anyone know what the rules are for losing no claims bonus?

There aren't any.

Insurance companies are, without exception, scum.
(No, I haven't lost a claim, but have had to sit and decide upon too
many claim appeals, some of which have gone to SCC and am totally
fed-up with the parasites). Sad really. I had a chap claim it was
cheaper for him to run all of his company trucks without insurance
then pay for any 'loss' as needed. He provided firm financial
evidence to prove this to be true. Sad. He should be free to prove
it again in a couple of months, too.

I've just ordered a 'black hat' for one particular insurance company.

 
On Tue, 09 Aug 2005 23:10:13 +0100, Mother <"@ {m} @"@101fc.net>
wrote:

>On Tue, 09 Aug 2005 21:53:52 +0100, Tim Hobbs <[email protected]> wrote:
>
>>whether it affects the premium is not really the issue. The fact you
>>have declared the change means that they can't use it against you in
>>the event of a claim.
>
>Do you really believe that?

Yes. They can't say "you didn't disclose..." (assuming you have the
mods in writing). They will, of course, find something else...

>
>>BTW, does anyone know what the rules are for losing no claims bonus?
>
>There aren't any.

Oh good...

>
>Insurance companies are, without exception, scum.

Yes.


--

Tim Hobbs

'58 Series 2 88" aka "Stig"
'77 101FC Ambulance aka "Burrt"
'03 Volvo V70
 
In news:[email protected],
Mother" <"@ {m} @ <"@ {m} @"@101fc.net> blithered:
> On Tue, 09 Aug 2005 21:53:52 +0100, Tim Hobbs <[email protected]> wrote:
>
>> whether it affects the premium is not really the issue. The fact you
>> have declared the change means that they can't use it against you in
>> the event of a claim.
>
> Do you really believe that?
>
>> BTW, does anyone know what the rules are for losing no claims bonus?
>
> There aren't any.
>
> Insurance companies are, without exception, scum.
> (No, I haven't lost a claim, but have had to sit and decide upon too
> many claim appeals, some of which have gone to SCC and am totally
> fed-up with the parasites). Sad really. I had a chap claim it was
> cheaper for him to run all of his company trucks without insurance
> then pay for any 'loss' as needed. He provided firm financial
> evidence to prove this to be true. Sad. He should be free to prove
> it again in a couple of months, too.

I thought that was specified acceptable under the legistlation, although I seem to
recall a bond of X amount had to be lodged, where X is a rather large number.

>
> I've just ordered a 'black hat' for one particular insurance company.



--
"He who says it cannot be done should not interrupt her doing it."

If at first you don't succeed,
maybe skydiving's not for you!


 
"GbH" <[email protected]> wrote in message
news:[email protected]
> In news:[email protected],

>> Insurance companies are, without exception, scum.
>> (No, I haven't lost a claim, but have had to sit and decide upon too
>> many claim appeals, some of which have gone to SCC and am totally
>> fed-up with the parasites). Sad really. I had a chap claim it was
>> cheaper for him to run all of his company trucks without insurance
>> then pay for any 'loss' as needed. He provided firm financial
>> evidence to prove this to be true. Sad. He should be free to prove
>> it again in a couple of months, too.
>
> I thought that was specified acceptable under the legistlation,
> although I seem to recall a bond of X amount had to be lodged, where
> X is a rather large number.
>

BT do this for their fleet of vehicles which is HUGE!


 
On Wed, 10 Aug 2005 11:19:41 +0100, "GbH"
<[email protected]> wrote:

>I thought that was specified acceptable under the legistlation, although I seem to
>recall a bond of X amount had to be lodged, where X is a rather large number.

Quite correct and a suitable solution for any large fleet operator
provided the correct process has been adhered to. However, running
half a dozen pick-ups without insurance (or tax, or MOT) and
attempting to 'bung' someone a few hundred quid when some half asleep
driver runs down the side of their car does not count.

 
In news:[email protected],
Mother" <"@ {m} @ <"@ {m} @"@101fc.net> blithered:
> On Wed, 10 Aug 2005 11:19:41 +0100, "GbH"
> <[email protected]> wrote:
>
>> I thought that was specified acceptable under the legistlation,
>> although I seem to recall a bond of X amount had to be lodged, where
>> X is a rather large number.
>
> Quite correct and a suitable solution for any large fleet operator
> provided the correct process has been adhered to. However, running
> half a dozen pick-ups without insurance (or tax, or MOT) and
> attempting to 'bung' someone a few hundred quid when some half asleep
> driver runs down the side of their car does not count.

Ah, me sees!

--
"He who says it cannot be done should not interrupt her doing it."

If at first you don't succeed,
maybe skydiving's not for you!


 
On 2005-08-09, Larry <[email protected]> wrote:

> So much for all those insurance Jonahs who have been saying that if you so
> much as put a cigarette lighter in you invalidate your insurance.

Ditto, uprated the engine in my 110 to pump out about 140BHP, took the
roof off and replaced it with a ragtop, put a roll-hoop in, told
National Farmer's Union about it all and they couldn't care less.
Insurance is still fairly cheap, 600 quid to insure both the landy and
a 5 grand Audi A4 diesel auto. Cheaper than the rivals I went to
speak to, including Footman James and various big names.

--
For every expert, there is an equal but opposite expert
 
I guess it actually pays to stick to the same company, rather than shop
around as the ads encourage, in that the broker has a more accurate
assesment of your real risk by past record.

Hence you find NFU to suit you, and I find Footman James best for me.

The problem comes when you are insuring for the first time, or there is
something about you that shouts out risk.


--
Larry
Series 3 rust and holes


"Ian Rawlings" <[email protected]> wrote in message
news:[email protected]...
> On 2005-08-09, Larry <[email protected]> wrote:
>
> Ditto, uprated the engine in my 110 to pump out about 140BHP, took the
> roof off and replaced it with a ragtop, put a roll-hoop in, told
> National Farmer's Union about it all and they couldn't care less.
> Insurance is still fairly cheap, 600 quid to insure both the landy and
> a 5 grand Audi A4 diesel auto. Cheaper than the rivals I went to
> speak to, including Footman James and various big names.
>
> --
> For every expert, there is an equal but opposite expert


 
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