So, Insurance??

D

Dewi

Active member
 A tripe shop doorway somewhere in Lancashire
Just rung my insurers, LV, to change the reg number over to the new one. All done & no charge (surprise, surprise) but before she put the phone down the girl asked if the car had a tracker fitted - which it hasn't and I told her so. She then informed me that the car isn't insured for theft unless it has one fitted! No mention of it whatsoever when I took out the policy in Sept. I've never even heard of such a thing before, load the pilicy yes but to just refuse theft cover because it's not got one seems just plain daft.

I took the policy out in Sept last year by ringing them, (not online) and all the relevent questions were asked then, including: has it got a tracker fitted - no. Does it have an alarm / immobilser fitted - yes, etc etc. At no point was it mentioned that I''d have to have a tracker fitted in order to be insured for theft. I've not pursued it yet as I wanted to check my policy shedule etc to see if there's any mention of it - and there isn't so they'll be getting a call back when I have the time

Theres' no point in me having fully comp insurance then really is there if that's the case? Next time I'll just insure it third party and f*ck them! I hate insurance companies they're nothing but legalised thieves who make the rules up as they go along.
 
Quite common these days. Going third party would seem drastic though. Would one of the £30 Amazon trackers fulfil their requirements.
 
Was listening to the radio yesterday in regards an article concerning stickers on cars. Apparently you are supposed to declare whatever you've got or run the risk an insurer won't pay out. WTF, if that wasn't mad enough there were some half wits phoning in and agreeing with the sentiment. Also couldn't understand Jeremy Vine suggesting if you paint your car yellow when previously it was brown that in itself made you a bad driver and an insurance risk. Still trying to figure that one out - and failing!
 
srhutch said:
Quite common these days. Going third party would seem drastic though. Would one of the £30 Amazon trackers fulfil their requirements.
Click to expand...

The point is that no mention of having to have a tracker was mentioned at the time of taking out the policy, and there's no mention of it in my insurance schedule either. The first I heard of it was when the girl commented this morning when I rang to change over to the new reg number. I don't feel compelled to fit a tracker just because they decide to move the goalposts mid term, whether it's 30 or 300 quid one.

The car never goes anywhere it can be stolen anyway, it's locked in my garage overnight and on days it's not used. It's not my daily driver so if needs be I will just insure it 3rd party next time, all I want and expect from any insurance these days is a bit of paper to make the car legal to drive. The robbing gits will always try to wriggle out paying up anyway, We have a lad lives in our road who bought a Z4 Coupe around the same time as I bought my Z. A few days after he got it, it was crunched badly by a bin wagon and his insurers are still dicking about with his claim 4 months later! The car is sat untouched in a BMW dealership. He's fully comp and no nearer a resolution now than he was when it happened.
 
Had my Z seven years now and never had a prob getting insurance without a tracker it is written on my policy documents tracker fitted No

Hope you get sorted
 
Insurance is just a lottery. I have rang the same insurer on different days and got the answer I wanted eventually, asked for them to confirm in writing.

It's amazing how they can be manipulated at times. I ended up with full no claims after two years after holding them to an introductory NCB they stated on a policy. The policy just said NCB.

H.
 
I find with any insurance that you only find out what you're covered for is when you make a claim.

I do not recall Chris Knott asking for a tracker to be fitted, try them for a quote. Although my Z4 is kept in a locked garage, I still don't trust folk not to break in so I fitted a tracker with a lifetime subscription.

I wonder if there is much difference in policy cost between TP and FC?
 
DumfriesDik said:
I find with any insurance that you only find out what you're covered for is when you make a claim.
Click to expand...

Or when you make a change to your policy details it would seem. I've e.mailed LV rather than ring them asking for clarification, I'd like whatever they tell me to be actually written down and not just a verbal account over the 'phone.
 
Just had a reply to the e.mail I send to LV:



"Dear Mr xxxxxxxxxx


Thank you for your email.

I’m sorry that you’ve been told that you’d require a tracker in order to cover the vehicle for theft.

I can confirm that there is no tracker requirement and you will be covered for theft without a tracker.
Due to a system error, a tracker requirement was shown to the advisor, so I’m sorry this happened in the first place.

Please keep this email as proof that we have discussed this.



Kind regards

Andy Warner

Customer Service"


That clears that up then!
 
Sorry, "please keep this email as proof" , I think I would rather they mended their system and ensured there is no chance of any future ambiguity. :?
 
You must log in or register to reply here.
Back
Top Bottom