What does this Admiral clause mean...

[BertBert]

In re-reading my admiral cover for the carrying petrol thread, I came across an exception of which I am not sure of the meaning.

Anyone shed any light?

Admiral said:

You will not be covered for any liabilities you may have for any of the following:
...
Any accident, injury, loss or damage arising from the use of public emergency
service vehicles, military and law enforcement vehicles, motor coaches
and omnibuses, tramways (including trolley-buses) or any vehicles on rails,
contractors plant and equipment.

It seems to me that it is the word "use" here that stops clear meaning. "Use" by whom?
Bert

[over_the_hill]

Are they exclusions to DOC cover.

[LukeSi]

I'd read that as they won't cover if you have an accident while in one of those vehicles.

[BertBert]

So there's a turn up. It could be to do with DOC which is listed in the certificate as to whether you have it or not.

In my portal on Adnmiral's website I can see 2015 certs (covering the same date range). One which has DOC and one which doesn't.

So now I have to find out which one is the right one. I always want DOC cover and I suspect a fast one going on here by accident or intention. When I renewed, the first quote was much higher than the previous. Lots of chat on the phone got the price down. I am guessing that one cert was pre haggle and one after. Although at no point in the haggle did we discuss removing the DOC.

As I am an anally retentive tt, I will have in my filing system my contemporaneous notes plus copies of the docs at the time to help me unravel this.

Fortunately I don't use DOC much, but thinking you have it and not having it is not exactly useful. Slippery buggers these insurance companies. That'll teach me.

Bert

[Johnnytheboy]

DOC?

[TwigtheWonderkid]

OP, does your occupation involve the possible driving of any of those vehicles?

[ZOLLAR]

DOC isn't used in the process of "haggling"
DOC is only given if you meet certain criteria, if you have a lease car, work with cars (taxi, mechanic etc) or are under the age of 25 you won't have it (other exceptions exist too)
Removing DOC isn't an option so it won't reduce or increase premium.

Edited by ZOLLAR on Tuesday 26th May 12:00

[PorkInsider]

Johnnytheboy said:

DOC?

Drive other cars.

[Johnnytheboy]

PorkInsider said:

Johnnytheboy said:

DOC?

Drive other cars.

Thank you - I thought twas something like that but wanted to check.

[jamie g]

Maybe your car won't be covered for damage if it is being towed/moved by one of those vehicles.

[JayBM]

ZOLLAR said:

DOC isn't used in the process of "haggling"
DOC is only given if you meet certain criteria, if you have a lease car, work with cars (taxi, mechanic etc) or are under the age of 25 you won't have it (other exceptions exist too)
Removing DOC isn't an option so it won't reduce or increase premium.

Edited by ZOLLAR on Tuesday 26th May 12:00

I'm not sure whether it is true for the majority but my policy certainly includes DOC and its for a lease car; insurer is LV.

[ZOLLAR]

JayBM said:

ZOLLAR said:

DOC isn't used in the process of "haggling"
DOC is only given if you meet certain criteria, if you have a lease car, work with cars (taxi, mechanic etc) or are under the age of 25 you won't have it (other exceptions exist too)
Removing DOC isn't an option so it won't reduce or increase premium.

Edited by ZOLLAR on Tuesday 26th May 12:00

I'm not sure whether it is true for the majority but my policy certainly includes DOC and its for a lease car; insurer is LV.

It was in relation to Admiral not other insurers.

[sad61t]

DOC on my insurance is an itemised extra at about £7.50 (not got the quote on me)

[JayBM]

ZOLLAR said:

It was in relation to Admiral not other insurers.

Ah sorry Zollar, my apologies.

[ZOLLAR]

JayBM said:

ZOLLAR said:

It was in relation to Admiral not other insurers.

Ah sorry Zollar, my apologies.

No worries, I should have made it clear.

[BertBert]

ZOLLAR said:

DOC isn't used in the process of "haggling"
DOC is only given if you meet certain criteria, if you have a lease car, work with cars (taxi, mechanic etc) or are under the age of 25 you won't have it (other exceptions exist too)
Removing DOC isn't an option so it won't reduce or increase premium.

Edited by ZOLLAR on Tuesday 26th May 12:00

Indeed wasn't expecting it to be part of deal doing (especially as it wasn't mentioned). The issue is that I think I don't have it and should have it (acdording to what looks like the current documents). So not too stressed about it although I have used DOC on odd occasions in this policy year. My mistake is that I checked all the docs that came through initially. Had a long conversation about how the NCB is allocated on a fleet policy which got the premium close enough and thgen didn't go through again with a fine enough tooth comb. I'm sure it'll be resolvable.

Back to the original question, the exclusion must be to do with DOC on those specific vehicles. As that's the only thing that makes sense.

Bert

[BertBert]

TwigtheWonderkid said:

OP, does your occupation involve the possible driving of any of those vehicles?

nope, why do you ask?
Bert

[akirk]

ZOLLAR said:

JayBM said:

ZOLLAR said:

DOC isn't used in the process of "haggling"
DOC is only given if you meet certain criteria, if you have a lease car, work with cars (taxi, mechanic etc) or are under the age of 25 you won't have it (other exceptions exist too)
Removing DOC isn't an option so it won't reduce or increase premium.

Edited by ZOLLAR on Tuesday 26th May 12:00

I'm not sure whether it is true for the majority but my policy certainly includes DOC and its for a lease car; insurer is LV.

It was in relation to Admiral not other insurers.

don't want the thread to go too far off topic...
but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...

[ZOLLAR]

akirk said:

don't want the thread to go too far off topic...
but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...

When did your policy last start/renew as it's a fairly new change.

[CYMR0]

ZOLLAR said:

When did your policy last start/renew as it's a fairly new change.

What's the reason behind it, by the way?

I can't see any logical link between people who have contract hire, and people who drive cars that don't belong to them (and aren't hired to them).