Trackday Insurance - Is a Schedule of Insurance a binding co

[datasafe]

My Ariel Atom is insured with Chaucer through Adrian Flux Insurance Brokers.

My original quote was £340 + an additional £50 for unlimited trackday cover (£2000 trackday excess). So I paid the £390 and received my insurance certificate last week. On reading the certifiacate it clearly states the insurance DOES NOT include trackdays.

I rang the brokers to clarify and was told I am covered and they have it on their records and it's mentioned in the 'schedule of insurance'.

My question:

Assuming my schedule of insurance states that I am covered for trackdays (I haven't been able to check this yet), is a schedule a legally binding contract enforceable in law?

I don't want to find that having written my Atom off (worst case scenario), I'm then faced with a bloody legal battle to get a payout.

[cirks]

some brokers will extend the standard insurance and do the track-day cover bit themselves. However, I would have thought the most sensible thing to do would be to ask them to put it in writing to you rather than you relying on the phone call. We all know that verbal contract is, in law, as strong as written but it is a hell of a lot more difficult to prove should you need to. After all, you've also paid £50 extra for the track-day cover so you've should have some documentary evidence what that is for!

[mmm-five]

From my own experience, you should watch out with Adrian Flux as they have a habit of keeping your certificate of insurance 'in a safe place' for you. I would insist that they send it to you as if you ever need to produce your insurance at a cop shop they will not accept your 'schedule' and will also not accept a faxed copy of it either.

Also when you get suspicious and ask to speak to a supervisor/manager - they actually put you through to a colleague sitting next to them who will claim to be the supervisor/manager and promise you the world. When the promises fail to materialise and you call back to speak to the same supervisor/manager, you find out that they were on holiday and couldn't possibly have made those promises.

When I eventually got my certificate (for my insurance premium which was paid in one lump some) it was dated to start from when I had last phoned them, and the cop shop wouldn't accept it as it didn't cover the period of the producer. A couple of very thinly veiled death-threats later (involving ram raid, shotgun and someone's brains) and I was called back by the 'customer service manager' who was initially very defensive of his staff and reminded me that all calls are monitored, so I suggested he go back to my calls of xx time and date to see what promises had been made and that I needed the proper certificate to stop possible police prosecution.

All in all it took 4 weeks of calling every other day to get my 'proper' certificate and in the end that was from a different underwriter than my schedule stated.

Cancelled my policy a week later and demanded a pro-rata refund.

[hearsay]
The rumour at the time was Adrian Flux were doing something dodgy with their underwriting and selling more insurance than they had cover for - hence they couldn't send out all their certificates as they only had a limited number. This worked quite well, as most of they time the 'insured' don't claim and Adrian Flux could keep the premium without ever having actually paid the underwriting fees. [/hearsay]

>> Edited by mmm-five on Thursday 8th December 11:36

[gtdc]

You should get some sort of paperwork explaining what information you need to collate in the event of an accident on a trackday. For example, if you insure through Egger Lawson you get a form for the trackday organiser to fill in if you have an accident.

Melindi
www.goldtrack.co.uk

[datasafe]

Thanks for the reply everyone, most helpful.

I have written to AF asking them to confirm that I do have trackday cover. It's not enough for one of their staff to confirm it on the phone.

I've always found AF to be most helpful and I'm sure there wont be a problem.

Cheers

John