Insurance row over vicar's Jesus Christ car stickers
Discussion
Policy booklet seems pretty clear to me:
http://www.ageuk.org.uk/Documents/EN-GB/Products/M...
"you must tell us about any of the changes below"
"Cosmetic changes such as alloy wheels"
"Changes to the bodywork, such as spoilers or body kits"
"This is not a full list of all possible changes - all changes made from the manufacturers standard specification must be disclosed"
This would come under that category. I doubt there would be much of a loading - I wouldn't imagine that a van that says 'Joe's Plumbers' on the side is higher risk than one that doesn't, but you should disclose. Although I suppose if you class this like go-faster-stripes on a chav chariot, then it's probably a good indicator of risk - because the people who put those sort of things on their cars are clearly massively higher risk than normal people.
http://www.ageuk.org.uk/Documents/EN-GB/Products/M...
"you must tell us about any of the changes below"
"Cosmetic changes such as alloy wheels"
"Changes to the bodywork, such as spoilers or body kits"
"This is not a full list of all possible changes - all changes made from the manufacturers standard specification must be disclosed"
This would come under that category. I doubt there would be much of a loading - I wouldn't imagine that a van that says 'Joe's Plumbers' on the side is higher risk than one that doesn't, but you should disclose. Although I suppose if you class this like go-faster-stripes on a chav chariot, then it's probably a good indicator of risk - because the people who put those sort of things on their cars are clearly massively higher risk than normal people.
Edited by thelawnet on Sunday 1st February 15:59
Negative Creep said:
How many people have ever declared their PH stickers?
bit of a difference between a sticker on the window and what amounts to signwriting.Although I have to say if it comes down to it lots of things could potentially offend - some people put Christian fish on their car, some people put Darwin fish, some people put those 'Chorley Fm coming in your ears' stickers. But it seems fairly clear that this is more than just a sticker in the window.
Every insurance policy has acceptance criteria. These, as the name suggests, dictate the type of customer or cars the insurance company is will to offer cover for. It might be there don't wish accept customers with a certain claims history, cars kept at within certain postcode or for certain types of car. It may be they don't wish to accept cars that have been visually modified.
Age UK have said that it doesn't meet their acceptance criteria. It has nothing to do with her religion OR trying to wriggle out of a claim. They are making the point that if they had been told of quite the quite substantial visual modification to the car when the policy was incepted they would not have offered her a policy in the first place as they deem it to present an unacceptable risk. Other insurers may have offered cover, but Age UK have decided that visual modification isn't for them. If she had told them from day one, they would have told her 'no we cannot offer cover' and she would have then found an insurer that could provide cover and then she wouldn't be in the ridiculous situation where she is claiming Age UK are anti Christian. They are 'anti stickers covering a car regardless of content'.
It may not be linked at all, but the article says she had a part stolen from her car, there is the possibility it was targeted due to the large signs she has covering the car.
Age UK have said that it doesn't meet their acceptance criteria. It has nothing to do with her religion OR trying to wriggle out of a claim. They are making the point that if they had been told of quite the quite substantial visual modification to the car when the policy was incepted they would not have offered her a policy in the first place as they deem it to present an unacceptable risk. Other insurers may have offered cover, but Age UK have decided that visual modification isn't for them. If she had told them from day one, they would have told her 'no we cannot offer cover' and she would have then found an insurer that could provide cover and then she wouldn't be in the ridiculous situation where she is claiming Age UK are anti Christian. They are 'anti stickers covering a car regardless of content'.
It may not be linked at all, but the article says she had a part stolen from her car, there is the possibility it was targeted due to the large signs she has covering the car.
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