Insurance row over vicar's Jesus Christ car stickers
Discussion
True, of course, that the above story is merely that of one person, but then, I've never seen or heard of any car being attacked because of the signwriting or slogans or bumper stickers down the side. What I was hoping for was some evidence, rather than the continuation of the "it stands to reason" argument we've so far seen.
Does anyone here have any actual data to show that slogan adorned cars are a higher risk? A link to a newspaper article? Some actual information rather than just supposition? I'd rather it wasn't that slightly embarrassing Top Gear in America incident, but aside from that, I'd be happy with anything.
Simon.
Does anyone here have any actual data to show that slogan adorned cars are a higher risk? A link to a newspaper article? Some actual information rather than just supposition? I'd rather it wasn't that slightly embarrassing Top Gear in America incident, but aside from that, I'd be happy with anything.
Simon.
RedBull said:
Whilst I am no fan of insurance companies generally, and tend to distrust most of them, I do think they have a very valid point in this case. We aren't talking about a simple PH sticker or the usual and naff things like "powered by Fairy Dust", or any number of minor and unnoticeable changes some on here are comparing them to; this woman has plastered religious slogans in massive letters all over her car. I can easily see how this car would be a much more likely target for vandalism than the same car without the stickers. I can't stand people who try to ram their religious beliefs down other peoples throats, so I have no sympathy for her at all TBH. I would never dream of damaging someone elses property but I have no doubt that there are many out there for whom that car would be like a red rag to a bull. If I were her insurer I would load her premium massively, and expect plenty of claims.
Agreed - ignoring the question over signage, I'd load the premium based on her belief in imaginary friends 
Surely it's the threat of no insurance due to extra lighter socket that's the real worry
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
article said:
The company first objected to the stickers when she tried to claim on her policy after a part was stolen from the car and photographs were submitted as part of the claim.
She was given 10 days to explain why she had not told them about the stickers, and an additional cigarette lighter point in the boot, when she took the policy out.
She was warned: "The policy may be declared void".
Age UK told her in a letter: "These modifications do not fit our acceptance criteria for motor insurance and cover would have been declined if we had been made aware of these at the time of purchasing your policy.
http://www.bbc.co.uk/news/uk-wales-south-west-wales-31064998She was given 10 days to explain why she had not told them about the stickers, and an additional cigarette lighter point in the boot, when she took the policy out.
She was warned: "The policy may be declared void".
Age UK told her in a letter: "These modifications do not fit our acceptance criteria for motor insurance and cover would have been declined if we had been made aware of these at the time of purchasing your policy.
Edited by saaby93 on Monday 2nd February 13:34
TooLateForAName said:
I'm curious.
The stolen part and the extra socket?
Did she have some sort of roof-lights? or displayboard fitted?
The bit about the socket bothers me, at face value. An insurance company refusing a claim on the basis of such a thing really is scraping the barrel. We've got an extra set of four hardwired into the boot of our V70 for camping purposes. They're not declared to the insurance - there's declaring mods and there's the insco taking the piss.The stolen part and the extra socket?
Did she have some sort of roof-lights? or displayboard fitted?
Dog Star said:
The bit about the socket bothers me, at face value. An insurance company refusing a claim on the basis of such a thing really is scraping the barrel. We've got an extra set of four hardwired into the boot of our V70 for camping purposes. They're not declared to the insurance - there's declaring mods and there's the insco taking the piss.
What if there was a fire claim as a result of a fault on one of these extra sockets you've put in?TwigtheWonderkid said:
What if there was a fire claim as a result of a fault on one of these extra sockets you've put in?
Crikey I had better check to make sure my fuses are the right OE then, oh and the brake pads, and while I'm about it I might as well fess up I don't have and antifreeze in the washer bottle. Better ring Insurers and notify them of the changes to the policy.
Missingbadly said:
and while I'm about it I might as well fess up I don't have and antifreeze in the washer bottle.
Well, if you're driving around with a filthy 'screen, because the washers aren't working because they're frizzed solid, and as a direct result you flatten that bus queue of nuns-with-kittens, you might just find the "maintain in a roadworthy condition" clause biting you in the chuff.Missingbadly said:
TwigtheWonderkid said:
What if there was a fire claim as a result of a fault on one of these extra sockets you've put in?
Crikey I had better check to make sure my fuses are the right OE then, oh and the brake pads, and while I'm about it I might as well fess up I don't have and antifreeze in the washer bottle. Better ring Insurers and notify them of the changes to the policy.
Also I imagine an insurance company would be interested to know if you were using OE spec fuses on a car that had an electrical fire
.279 said:
But then in my book installing additional 12v sockets broadly has the same level of claim risk as upgraded speakers/ radio considering most insurers do not offer like for like on audio gear, but they'd still like you to declare that.
Also I imagine an insurance company would be interested to know if you were using OE spec fuses on a car that had an electrical fire.
I think the Paranoid Police need to be called immediately there's a worryer at large. Also I imagine an insurance company would be interested to know if you were using OE spec fuses on a car that had an electrical fire
.Missingbadly said:
Crikey I had better check to make sure my fuses are the right OE then, oh and the brake pads, and while I'm about it I might as well fess up I don't have and antifreeze in the washer bottle.
Better ring Insurers and notify them of the changes to the policy.
Considering there is a thread on ph dedicated to grassing up random people on ebay selling cars with undeclared engine swaps you never know who might be reading your confession.Better ring Insurers and notify them of the changes to the policy.
KM666 said:
Missingbadly said:
Crikey I had better check to make sure my fuses are the right OE then, oh and the brake pads, and while I'm about it I might as well fess up I don't have and antifreeze in the washer bottle.
Better ring Insurers and notify them of the changes to the policy.
Considering there is a thread on ph dedicated to grassing up random people on ebay selling cars with undeclared engine swaps you never know who might be reading your confession.Better ring Insurers and notify them of the changes to the policy.
Munter said:
carl_w said:
What is "Christ must be Saviour" supposed to mean?
I think it means that Christ should put a bit more away in savings. The funny thing is if you google "christ must be saviour" you only get references to this story about the minister and her car and a link to a pro atheism site.
With these feet said:
Missingbadly said:
Is a Zafira the main car for those inclined towards the Good Lord? Theres one near me with one of those 'fish' badges on it.
What other cars are a clear indication of a firm belief in God??
More the issue is how they fail to understand how to park considerably outside their fWhat other cars are a clear indication of a firm belief in God??
king churches.On my way home there is a small church with a country road next to it. There is a small area that can be parallel parked or as they see fit head on blocking half the lane. Add to this some park in passing bays and then opposite to make a chicane. They have the cheek to stare at you when drive really close to their car as if its their bloody car park!
I might get some notes made up saying "Pray all you like but your parking's sending you straight to hell"......
THe insurance companies are really just taking the piss.
Most of you have all been brainwashed into being witty people about well what if the car is targeted for having the slogans it has, you could be targeted for anything by any group.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
It has just went too far - no doubt in 5 years everyone will see they are taking the total piss, there will be a fulll inquest how the industry became like this, politicians will promise to overhaul it blah blah blah
utter nonsense.
Most of you have all been brainwashed into being witty people about well what if the car is targeted for having the slogans it has, you could be targeted for anything by any group.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
It has just went too far - no doubt in 5 years everyone will see they are taking the total piss, there will be a fulll inquest how the industry became like this, politicians will promise to overhaul it blah blah blah
utter nonsense.
IATM said:
Most of you have all been brainwashed into being witty people about well what if the car is targeted for having the slogans it has, you could be targeted for anything by any group.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
Anyone owned up to having a PH sticker
IATM said:
THe insurance companies are really just taking the piss.
Most of you have all been brainwashed into being witty people about well what if the car is targeted for having the slogans it has, you could be targeted for anything by any group.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
It has just went too far - no doubt in 5 years everyone will see they are taking the total piss, there will be a fulll inquest how the industry became like this, politicians will promise to overhaul it blah blah blah
utter nonsense.
Absolutely bang on. Why is everyone afraid of their own shadow? Have we become a country of lily livered creatures that will be scared to do anything we perceive to be out of line with faceless Insurers? If I had an additional socket I wouldnt even mention it to insurers, not to hide it but because it wouldn't even occur to me to mention something so trivial. Yes if you speak to the girlie in the call centre and volunteer 'ooh I have some modifications to my Cerbera I have had a socket fitted' she's either going to:Most of you have all been brainwashed into being witty people about well what if the car is targeted for having the slogans it has, you could be targeted for anything by any group.
If such conversations existed 10 years back and someone said well technically your insurance could be invalid if you add in an extra light socket, you would probably have a few of your light sockets punched out for being so daft.
It has just went too far - no doubt in 5 years everyone will see they are taking the total piss, there will be a fulll inquest how the industry became like this, politicians will promise to overhaul it blah blah blah
utter nonsense.
a) Up the premium because of some ill conceived perception that the car has been totally pimped because theres a tick box in front of her to put it in, despite the fact she doesnt know what the heck a Cerbera is anyway.
Or b) If shes chatty she will confide that her Cerbera hasnt been serviced recently so shes now on Shagfinder.com
Its all nuts. Has everyone on PH declared their modded valves or anyone taken cylinder heads off to prove the valves are OE after a knock? Are they taking a risk they are uninsured if they dont do so?
Common sense will hopefully prevail amongst the more paranoid and sanity will return.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff