refused insurance!
Discussion
Flat in Fifth said:
errr but surely the point is that he now has to answer YES to the question "have you ever been refused insurance?"
Well yes, he does have to mention that - as do I after being told "We can't insure you because you have a modified car" - but I don't bang on about it, you just get on with it...
Incinuating that because of one insco declining to cover him would entail a life on the dole and "oh, the humanity" useless handwringing is considerably beyond a joke, don'tcha think?
Am I alone in thinking there's more to this than has been stated?
The only underwriting risk implied is that he might have a heart attack. That does not mean a heart attack whilst driving, just the risk of heart disease generally.
Has anyone ever heard of this before anywhere with anyone?
Something does not ring true here, as underwriting is a very statistical science.
All very strange.
The only underwriting risk implied is that he might have a heart attack. That does not mean a heart attack whilst driving, just the risk of heart disease generally.
Has anyone ever heard of this before anywhere with anyone?
Something does not ring true here, as underwriting is a very statistical science.
All very strange.
CB-Dave said:
Well yes, he does have to mention that - as do I after being told "We can't insure you because you have a modified car" - but I don't bang on about it, you just get on with it...
Surely not? That's not *you* being refused insurance, that's *your car*. Or should I be declaring the two companies that declined to quote me on the grounds that the car I wanted to insure was too high an insurance group for my age? Somehow I think not.
deckster said:
Well yes, he does have to mention that - as do I after being told "We can't insure you because you have a modified car" - but I don't bang on about it, you just get on with it...
Surely not? That's not *you* being refused insurance, that's *your car*. Or should I be declaring the two companies that declined to quote me on the grounds that the car I wanted to insure was too high an insurance group for my age? Somehow I think not.
The way I've always understood the terminoligy is "Have you ever been refused insurance" - I have been, due to the choice of car and modification made to it, so in essence the terms are fulfilled...
You can bet that if I'd said "no" to that question, a bit of keyboard tapping would have revealed it, or if the worst come to the worst - it would give them a wriggling avenue to avoid paying - I wouldn't be surprised
That's an interesting point. I've occasionally asked companies for a quote on the Griff which they've declined to do because it's modified.
If I've ever subsequently been asked if I've ever been refused insurance, I've said no. It wouldn't occur to me that I'd been refused; I'd simply asked a company for a quote on something which was outside of their market. We've never even got as far as them offering/declining me insurance - I say it's got mods, they say 'we don't do that'.
Similarly, some of the people who will quote me for the Griff will not quote me for the daily driver, because it's in a different market. That's not me being refused though...
If I've ever subsequently been asked if I've ever been refused insurance, I've said no. It wouldn't occur to me that I'd been refused; I'd simply asked a company for a quote on something which was outside of their market. We've never even got as far as them offering/declining me insurance - I say it's got mods, they say 'we don't do that'.
Similarly, some of the people who will quote me for the Griff will not quote me for the daily driver, because it's in a different market. That's not me being refused though...
i actually work for directline and this is the biggest load of bull ive heard. The medical history of your parents has nothing to do with your insurance. as long as you stay in accordance with your lic we cannot do anything to load,invoke endorsements on your policy or place special terms.
are you sure it was direct line?
are you sure it was direct line?
Yeah, bit much that.
Infact, no one could be insured, because we will ALL die at some point, perhaps while driving?
Thought the whole point of insurance was "just in case" something happens. Ie, balancing the risk of payouts against their premiums.
Wonder why so many people just don't bother with insurance
Dave
Infact, no one could be insured, because we will ALL die at some point, perhaps while driving?
Thought the whole point of insurance was "just in case" something happens. Ie, balancing the risk of payouts against their premiums.
Wonder why so many people just don't bother with insurance
Dave
CB-Dave said:
CB-Dave said:
Well yes, he does have to mention that - as do I after being told "We can't insure you because you have a modified car" - but I don't bang on about it, you just get on with it...
Surely not? That's not *you* being refused insurance, that's *your car*. Or should I be declaring the two companies that declined to quote me on the grounds that the car I wanted to insure was too high an insurance group for my age? Somehow I think not.
The way I've always understood the terminoligy is "Have you ever been refused insurance" - I have been, due to the choice of car and modification made to it, so in essence the terms are fulfilled...
You can bet that if I'd said "no" to that question, a bit of keyboard tapping would have revealed it, or if the worst come to the worst - it would give them a wriggling avenue to avoid paying - I wouldn't be surprised
I've had to change insurers recently because my previous company cancelled my insurance because of modifications. I checked with the new company as I was concerned about the whole refused/cancelled insurance thing and the nice lady said that that didn't count (although I didn't check what did count.) HTH
Just found this thread and it sounds like a wind up to me.
In 25 years I've never even been asked if I HAD parents when applying for car insurance, let alone if they had heart disease. What if you were adopted? How the hell are you going to answer that question?
Even Direct Line only ask the following:
All Drivers are at least 17 years of age, hold a valid driving licence and are permanently resident in the U.K.
The total number of fault accidents or claims, including theft claims for all drivers does not exceed 3 in the last 3 years.
The total number of convictions, fixed penalties or disqualifications for each driver does not exceed 2 in the last 5 years.
The vehicle is owned and registered by yourself, at your address and has not been modified or altered in anyway (including wheels, suspension, bodywork and engine).
If you selected one of the following occupations when obtaining your car insurance quotation then the vehicle may only be used for Social, Domestic or Pleasure purposes: Motor Trade, Retired, Housewife / Househusband, Drivers, Students and Unemployed. For all other occupations the vehicle may be used in connection with your business or those of your spouse / partner (not business partner). If you have a part time occupation, require additional drivers to have business use or are uncertain about the type of use you require, please save your quote and contact us.
Your business or the business of your employer is not in anyway connected with any of the following: the entertainment and fashion industry, professional sports, foreign service or diplomatic personal, scrap or salvage merchants, general dealers or market traders, mini-cab drivers or controllers.
The vehicle must be a UK model or built to UK specifications (unless the vehicle description selected specifically states 'Import').
I confirm the above statements are TRUE and that I have read the car policy summary
Somebody snap his rod!
In 25 years I've never even been asked if I HAD parents when applying for car insurance, let alone if they had heart disease. What if you were adopted? How the hell are you going to answer that question?
Even Direct Line only ask the following:
All Drivers are at least 17 years of age, hold a valid driving licence and are permanently resident in the U.K.
The total number of fault accidents or claims, including theft claims for all drivers does not exceed 3 in the last 3 years.
The total number of convictions, fixed penalties or disqualifications for each driver does not exceed 2 in the last 5 years.
The vehicle is owned and registered by yourself, at your address and has not been modified or altered in anyway (including wheels, suspension, bodywork and engine).
If you selected one of the following occupations when obtaining your car insurance quotation then the vehicle may only be used for Social, Domestic or Pleasure purposes: Motor Trade, Retired, Housewife / Househusband, Drivers, Students and Unemployed. For all other occupations the vehicle may be used in connection with your business or those of your spouse / partner (not business partner). If you have a part time occupation, require additional drivers to have business use or are uncertain about the type of use you require, please save your quote and contact us.
Your business or the business of your employer is not in anyway connected with any of the following: the entertainment and fashion industry, professional sports, foreign service or diplomatic personal, scrap or salvage merchants, general dealers or market traders, mini-cab drivers or controllers.
The vehicle must be a UK model or built to UK specifications (unless the vehicle description selected specifically states 'Import').
I confirm the above statements are TRUE and that I have read the car policy summary
Somebody snap his rod!
A few years back I had a Renault 5 turbo as a toy - had the engine pepped up a bit and had the most interesting conversation ever with a big insurance company. They already insured the standard pre mod car, so I called them before I modified it and the bloke on the phone just couldnt understand what I was talking about. Kept coming back to the same question - but why do you want to modify it ? You dont need a car with that much power. Jeez is he my dad ? I was 33 at the time ! So guess what - made a few calls and got it insured in its modified form for £100 less :-) All it takes is a few hours on the phone.
mechsympathy said:
I've had to change insurers recently because my previous company cancelled my insurance because of modifications. I checked with the new company as I was concerned about the whole refused/cancelled insurance thing and the nice lady said that that didn't count (although I didn't check what did count.) HTH
That does help!! I'm due for my renewal soon and if it doesn't step below the £1k mark I'll be shopping around - that's very handy to know - I only have to declare the mods and 6 points now!
Cheers!
Flat in Fifth said:
jeez, talk about going over the top - it was one ins co, there are millions... so they said they wouldn't insure you - big deal, get over it - less of the hand-wringing, hit the yellow pages, get a quote and get on with it.
errr but surely the point is that he now has to answer YES to the question "have you ever been refused insurance?"
The person who summarised insurance cos are in the risk business, but don't want to bear any risk is more or less right. On the other hand remember the Simpsons episode where Ned Flanders house burned down and didn't have insurance because he considered it a form of gambling.
In answer to Streaky there are families where genetically they suffer heart disease which shortens life span. So maybe you are right.
would it not depend on how they ask the question, as open as that yes, but if they ask have you refused insurance due to convictions or penalties.... then he can reply no with a clear mind.
julianc said:
Sure they weren't trying to fit you out for life insurance?
That sounds more like it.......
My thought too was that whoever was on the other end of the phone clicked in the wrong place and was doing a quote for life rather than car insurance too ! Call up someone else and stop sulking !
>> Edited by te51cle on Thursday 15th September 20:05
camper said:
i have just been refused motor insurance as both my parents had heart disease! FFS!, this means I now have to quit work as my place of work is not on a bus route and is 20 miles away!, also funny hours!, am i going to have a heart attack then as the insurance co seem to think i am!, ah well seems like a life on the dole for me then!, may as well enjoy it then!
another indigenous Englishman denied the right to work! yet disabled peeps are positavely encouraged to seek work? EH?
camper
Sniffs [/qoute] Can I smell troll [/quote]
Next sniff [/quote] you may be right ! [/quote]
Drifting
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff