Lancaster Insurance

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N

Neil Paxman

Guest
Hi

Do any of you guys have any experience in insuring with Lancaster? My Series
3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
covered by Lancasters 'specialist' Land Rover comprehensive cover. I
recently sent off a few photographs to support my Agreed Valuation update.
Lo and behold, I have just had an email saying my cover is cancelled because
I 'clearly have a VAN', which is 'not part of our service under classic
vehicles'.

Would make some sort of sense if their current ad in Land Rover Monthly
didn't show as an example of their dedication to Land Rover cover a nice
glossy red Defender 90 HARDTOP...
Is my Landie persona non grata because she is limestone and green, old, a
series, or is this more sinister!

Van/Hardtop... whither mine??


 
In message <[email protected]>, Neil
Paxman <[email protected]> writes
>Hi
>
>Do any of you guys have any experience in insuring with Lancaster? My Series
>3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
>covered by Lancasters 'specialist' Land Rover comprehensive cover. I
>recently sent off a few photographs to support my Agreed Valuation update.
>Lo and behold, I have just had an email saying my cover is cancelled because
>I 'clearly have a VAN', which is 'not part of our service under classic
>vehicles'.
>
>Would make some sort of sense if their current ad in Land Rover Monthly
>didn't show as an example of their dedication to Land Rover cover a nice
>glossy red Defender 90 HARDTOP...
>Is my Landie persona non grata because she is limestone and green, old, a
>series, or is this more sinister!
>
>Van/Hardtop... whither mine??
>
>
I also have a hardtop and sent off some piccys and all seems well.
Mine does have those funny long windows with the rounded corners let
into the sides of my hard top though................
--
Mark Roberts
 
Mein Gott

maybe it is the amount of the agreed value, for all I have been saying about
insurance I have stuck with my purchase price of two grand as agreed value,
notwithstanding what I have spent.

Insurance is a con an imposition I consider it as a tax rather than any
benefit much as the road tax is, I don't really expect I shall ever get
anything back from them

Its a ****ing joke thats what it is.


--
Larry
Series 3 rust and holes



"Neil Paxman" <[email protected]> wrote in message
news:[email protected]...
> Hi
>
> Do any of you guys have any experience in insuring with Lancaster? My
Series
> 3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
> covered by Lancasters 'specialist' Land Rover comprehensive cover. I
> recently sent off a few photographs to support my Agreed Valuation update.
> Lo and behold, I have just had an email saying my cover is cancelled
because
> I 'clearly have a VAN', which is 'not part of our service under classic
> vehicles'.
>
> Would make some sort of sense if their current ad in Land Rover Monthly
> didn't show as an example of their dedication to Land Rover cover a nice
> glossy red Defender 90 HARDTOP...
> Is my Landie persona non grata because she is limestone and green, old, a
> series, or is this more sinister!
>
> Van/Hardtop... whither mine??
>
>


 
On Tue, 16 Aug 2005 19:52:01 +0000 (UTC), Neil Paxman wrote:

> Would make some sort of sense if their current ad in Land Rover
> Monthly didn't show as an example of their dedication to Land Rover
> cover a nice glossy red Defender 90 HARDTOP...

Perhaps you ought to quietly point this out with a copy to the ASA?

--
Cheers [email protected]
Dave. pam is missing e-mail



 
You should write to the letters page in Land Rover Monthly. Insurance
companies are getting scandalous.

I added soundproofing to my Series 3 and Sureterm Direct cancelled my
insurance. They said it was an unacceptable modification to add
soundproofing underneath the seats.

I am with Graham Sykes and at the moment I have had no problems. However, we
shall see if my Africa trip for four months causes any problems.

Andy

"Neil Paxman" <[email protected]> wrote in message
news:[email protected]...
> Hi
>
> Do any of you guys have any experience in insuring with Lancaster? My
> Series
> 3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
> covered by Lancasters 'specialist' Land Rover comprehensive cover. I
> recently sent off a few photographs to support my Agreed Valuation update.
> Lo and behold, I have just had an email saying my cover is cancelled
> because
> I 'clearly have a VAN', which is 'not part of our service under classic
> vehicles'.
>
> Would make some sort of sense if their current ad in Land Rover Monthly
> didn't show as an example of their dedication to Land Rover cover a nice
> glossy red Defender 90 HARDTOP...
> Is my Landie persona non grata because she is limestone and green, old, a
> series, or is this more sinister!
>
> Van/Hardtop... whither mine??
>
>


 
"Andrew Renshaw" <[email protected]> wrote in message
news:[email protected]...
> You should write to the letters page in Land Rover Monthly. Insurance
> companies are getting scandalous.
>
> I added soundproofing to my Series 3 and Sureterm Direct cancelled my
> insurance. They said it was an unacceptable modification to add
> soundproofing underneath the seats.

Thats nuts! They didn't bat an eye lid at a near on 200 bhp 4.2 Jag lump
and three speed auto conversion in my IIa .... then again it doesn't have
sound proofing either.

Lee D


 
In article <[email protected]>, Neil
Paxman <[email protected]> writes
>Hi
>
>Do any of you guys have any experience in insuring with Lancaster? My Series
>3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
>covered by Lancasters 'specialist' Land Rover comprehensive cover. I
>recently sent off a few photographs to support my Agreed Valuation update.
>Lo and behold, I have just had an email saying my cover is cancelled because
>I 'clearly have a VAN', which is 'not part of our service under classic
>vehicles'.
>
>Would make some sort of sense if their current ad in Land Rover Monthly
>didn't show as an example of their dedication to Land Rover cover a nice
>glossy red Defender 90 HARDTOP...
>Is my Landie persona non grata because she is limestone and green, old, a
>series, or is this more sinister!
>
>Van/Hardtop... whither mine??

NFU Mutual works for Marge. And they're not expensive either...


Regards,

Simonm.

--
simonm|at|muircom|dot|demon|.|c|oh|dot|u|kay
SIMON MUIR, UK INDEPENDENCE PARTY, BRISTOL www.ukip.org
EUROPEANS AGAINST THE EU www.members.aol.com/eurofaq
GT250A'76 R80/RT'86 110CSW TD'88 www.kc3ltd.co.uk/profile/eurofollie/
 
On or around Thu, 18 Aug 2005 11:05:28 GMT, SpamTrapSeeSig
<[email protected]> enlightened us thusly:

>In article <[email protected]>, Neil
>Paxman <[email protected]> writes
>>Hi
>>
>>Do any of you guys have any experience in insuring with Lancaster? My Series
>>3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
>>covered by Lancasters 'specialist' Land Rover comprehensive cover. I
>>recently sent off a few photographs to support my Agreed Valuation update.
>>Lo and behold, I have just had an email saying my cover is cancelled because
>>I 'clearly have a VAN', which is 'not part of our service under classic
>>vehicles'.
>>
>>Would make some sort of sense if their current ad in Land Rover Monthly
>>didn't show as an example of their dedication to Land Rover cover a nice
>>glossy red Defender 90 HARDTOP...
>>Is my Landie persona non grata because she is limestone and green, old, a
>>series, or is this more sinister!
>>
>>Van/Hardtop... whither mine??
>
>NFU Mutual works for Marge. And they're not expensive either...


Series III hardtop is listed as "van" with them, too - mine is.
--
Austin Shackles. www.ddol-las.net my opinions are just that
Satisfying: Satisfy your inner child by eating ten tubes of Smarties
from the Little Book of Complete B***ocks by Alistair Beaton.
 
Austin Shackles wrote:

> On or around Thu, 18 Aug 2005 11:05:28 GMT, SpamTrapSeeSig
> <[email protected]> enlightened us thusly:
>
>>In article <[email protected]>, Neil
>>Paxman <[email protected]> writes
>>>Hi
>>>
>>>Do any of you guys have any experience in insuring with Lancaster? My
>>>Series 3 hardtop (circa 1984) has been happily sitting on my drive for 6
>>>months covered by Lancasters 'specialist' Land Rover comprehensive cover.
>>>I recently sent off a few photographs to support my Agreed Valuation
>>>update. Lo and behold, I have just had an email saying my cover is
>>>cancelled because I 'clearly have a VAN', which is 'not part of our
>>>service under classic vehicles'.
>>>
>>>Would make some sort of sense if their current ad in Land Rover Monthly
>>>didn't show as an example of their dedication to Land Rover cover a nice
>>>glossy red Defender 90 HARDTOP...
>>>Is my Landie persona non grata because she is limestone and green, old, a
>>>series, or is this more sinister!
>>>
>>>Van/Hardtop... whither mine??
>>
>>NFU Mutual works for Marge. And they're not expensive either...
>
>
> Series III hardtop is listed as "van" with them, too - mine is.

FWIW they wouldn't touch my modified Discovery at all.

P.
 
It seems to me that all these stories of insurance do not show any
consistancy, it looks very random to me.

I guess to some extent they are trying to compute an overall picture of
risk, so that for some a big engine mod is not going to put them into the
boy racer category, but for others that is more likely.


--
Larry
Series 3 rust and holes


"Paul S. Brown" <[email protected]> wrote in message
news:[email protected]...
> Austin Shackles wrote:
>
>
> FWIW they wouldn't touch my modified Discovery at all.
>
> P.


 
On Tue, 16 Aug 2005 19:52:01 +0000 (UTC), "Neil Paxman"
<[email protected]> wrote:

>Hi
>
>Do any of you guys have any experience in insuring with Lancaster? My Series
>3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
>covered by Lancasters 'specialist' Land Rover comprehensive cover. I
>recently sent off a few photographs to support my Agreed Valuation update.
>Lo and behold, I have just had an email saying my cover is cancelled because
>I 'clearly have a VAN', which is 'not part of our service under classic
>vehicles'.
>
>Would make some sort of sense if their current ad in Land Rover Monthly
>didn't show as an example of their dedication to Land Rover cover a nice
>glossy red Defender 90 HARDTOP...
>Is my Landie persona non grata because she is limestone and green, old, a
>series, or is this more sinister!
>
>Van/Hardtop... whither mine??

I had mine with lancaster, and im pretty sure that the photos i sent
them were of it sporting a hardtop. It has side windows in though if
that makes a difference to them?


 
Yup

Having had a 'conversation with a telesales clone yesterday, it appears that
the absence of 'windows' whether they are proper windows or those dinky
little window lights set into the roof is the reason I now drive a Van not a
hardtop.

Result, insurance 45 quid dearer,

Nice scam Lancaster. The clone even had the cheek to say "there weren't many
of your type made..." Lets see, Land Rover Series 3 hardtop... mmmm, about
fifty thousand?

Thanks for all the comments guys

"Tom Woods" <[email protected]> wrote in message
news:[email protected]...
> On Tue, 16 Aug 2005 19:52:01 +0000 (UTC), "Neil Paxman"
> <[email protected]> wrote:
>
> >Hi
> >
> >Do any of you guys have any experience in insuring with Lancaster? My
Series
> >3 hardtop (circa 1984) has been happily sitting on my drive for 6 months
> >covered by Lancasters 'specialist' Land Rover comprehensive cover. I
> >recently sent off a few photographs to support my Agreed Valuation
update.
> >Lo and behold, I have just had an email saying my cover is cancelled
because
> >I 'clearly have a VAN', which is 'not part of our service under classic
> >vehicles'.
> >
> >Would make some sort of sense if their current ad in Land Rover Monthly
> >didn't show as an example of their dedication to Land Rover cover a nice
> >glossy red Defender 90 HARDTOP...
> >Is my Landie persona non grata because she is limestone and green, old, a
> >series, or is this more sinister!
> >
> >Van/Hardtop... whither mine??
>
> I had mine with lancaster, and im pretty sure that the photos i sent
> them were of it sporting a hardtop. It has side windows in though if
> that makes a difference to them?
>
>


 
so Paul S. Brown was, like...
> >>> NFU Mutual works for Marge. And they're not expensive either...
>>
>>
>> Series III hardtop is listed as "van" with them, too - mine is.
>
> FWIW they wouldn't touch my modified Discovery at all.
>
> P.

Funnily enough, I went into a branch of NFU the other day (not my local one)
to ask if they would accept a Disco with modifications. The basic answer,
once you had untangled all the wherefores and hereinafters, was - no chance,
unless you already do a lot of business with us, in which case we might do
it as a favour to a big customer. I'm going to try my local office - as
others have said, it's all a bit random. I have a feeling that Saga won't
wear the intercooler and chip I've just had done.


--
Rich
==============================
Disco 300 Tdi auto
S2a 88" SW
Tiggrr (V8 trialler)


 

"Neil Paxman" <[email protected]> wrote in message
news:[email protected]...
> Yup
>
> Having had a 'conversation with a telesales clone yesterday, it appears
that
> the absence of 'windows' whether they are proper windows or those dinky
> little window lights set into the roof is the reason I now drive a Van not
a
> hardtop.

i'm in a self built motorhome club, and members have had problems being
allowed onto campsites if their van's don't have side windows (some
deliberately don't want side windows, they have roof windows, but want it to
be a stealth camper... i.e. look like a panel van to the general public)

Their solution.... get some black vinyl stickers made up in the shape of
windows, they got that magnetic backing on them, and when they come to a
camp site, they stop just down the road, and plonk the fake windows on the
side of the van,

Maybe you could do something like that, send in new photo's, with some fake
'heavily tinted' windows on the back section.


 
so CampinGazz was, like...
> i'm in a self built motorhome club, and members have had problems
> being allowed onto campsites if their van's don't have side windows
> (some deliberately don't want side windows, they have roof windows,
> but want it to be a stealth camper... i.e. look like a panel van to
> the general public)
>
> Their solution.... get some black vinyl stickers made up in the shape
> of windows, they got that magnetic backing on them, and when they
> come to a camp site, they stop just down the road, and plonk the fake
> windows on the side of the van,

Wouldn't work on a Landy with ally panels, but great idea.

>
> Maybe you could do something like that, send in new photo's, with
> some fake 'heavily tinted' windows on the back section.

Until you have an accident, having left the "windows" at home, and the
assessor clocks that it is really a van. Then you have misinformed them,
and they have the right not to pay out, and you're driving uninsured. Great
idea to fool campsite operators, but I'd be more cautious with insurers.

BTW, what's the deal with "driving whilst uninsured" these days? When I
learned to drive back in 1970, I was taught that it was about the worst
thing you could do. What if you mowed down a bus-queue of pregnant women
who were the sole supporters of large families, etc. More important that a
current MoT, for instance. Now it seems to be an optional extra. I read in
the local paper of people caught with no licence, insurance and so on - the
usual penalty seems to be a small fine and a 6-month ban for someone who
can't legally drive anyway.

Sorry to ramble - too much Tia Maria for this time of night.

--
Rich
==============================
Disco 300 Tdi auto
S2a 88" SW
Tiggrr (V8 trialler)


 
On Tue, 23 Aug 2005 22:21:58 +0100, "Richard Brookman"
<[email protected]> wrote:

>BTW, what's the deal with "driving whilst uninsured" these days? When I
>learned to drive back in 1970, I was taught that it was about the worst
>thing you could do. What if you mowed down a bus-queue of pregnant women
>who were the sole supporters of large families, etc. More important that a
>current MoT, for instance. Now it seems to be an optional extra. I read in
>the local paper of people caught with no licence, insurance and so on - the
>usual penalty seems to be a small fine and a 6-month ban for someone who
>can't legally drive anyway.

Allow me to reassure you that there are no ambiguities so far as
sentence is concerned here in 't Norf. If it's clear cut, it's passed
to Crown Court who can dosh out longer than 6 months in custody - and
do so, on a happily regular basis.


 
so Mother" <"@ {m} @ was, like...
> On Tue, 23 Aug 2005 22:21:58 +0100, "Richard Brookman"
> <[email protected]> wrote:
>
>> BTW, what's the deal with "driving whilst uninsured" these days?
>> When I learned to drive back in 1970, I was taught that it was about
>> the worst thing you could do. What if you mowed down a bus-queue of
>> pregnant women who were the sole supporters of large families, etc.
>> More important that a current MoT, for instance. Now it seems to be
>> an optional extra. I read in the local paper of people caught with
>> no licence, insurance and so on - the usual penalty seems to be a
>> small fine and a 6-month ban for someone who can't legally drive
>> anyway.
>
> Allow me to reassure you that there are no ambiguities so far as
> sentence is concerned here in 't Norf. If it's clear cut, it's passed
> to Crown Court who can dosh out longer than 6 months in custody - and
> do so, on a happily regular basis.

Glad to hear it. Perhaps you could send a few of your people down here to
Pembrokeshire. Usually there is a defence solicitor who pleads a difficult
childhood and "he has a steady girlfriend and a job now and is trying to
keep to the straight and narrow" and the scrote gets off with a small fine
(which he won't pay) and a short ban. Only he hasn't got a f*cking licence
to start with, for God's sake!


--
Rich
==============================
Disco 300 Tdi auto
S2a 88" SW
Tiggrr (V8 trialler)


 
On or around Tue, 23 Aug 2005 22:21:58 +0100, "Richard Brookman"
<[email protected]> enlightened us thusly:

>Until you have an accident, having left the "windows" at home, and the
>assessor clocks that it is really a van. Then you have misinformed them,
>and they have the right not to pay out, and you're driving uninsured. Great
>idea to fool campsite operators, but I'd be more cautious with insurers.

I don't think "campervan" implies any particular configuration of windows.
You are required to have things like sinks and cookers, I believe.
--
Austin Shackles. www.ddol-las.net my opinions are just that
Appearances: You don't really need make-up. Celebrate your authentic
face by frightening people in the street.
from the Little Book of Complete B***ocks by Alistair Beaton.
 
Austin Shackles wrote:

> I don't think "campervan" implies any particular configuration of windows.
> You are required to have things like sinks and cookers, I believe.

And a fixed bed AFAIK.

Steve
 
On Wed, 24 Aug 2005 09:14:04 +0100, Steve Taylor
<[email protected]> wrote:

>Austin Shackles wrote:
>
>> I don't think "campervan" implies any particular configuration of windows.
>> You are required to have things like sinks and cookers, I believe.
>
>And a fixed bed AFAIK.

Ask Lee_d, as his 101 is an 'official' motorcaravan now, as he had to
do it for his MOT. (The place i took mine to keep letting me off as
its fairly obvious i'm working on it!)

I don't think a bed is necessary - just the 'fixed' sink and cooker.

most 'proper' camper vans don't have a fixed bed - on some they are in
an extendable roof section.
 
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