Insurance row over vicar's Jesus Christ car stickers
Discussion
age uk said:
all changes made from the manufacturers standard specification must be disclosed
Mine says something similar, including all manufacturer or dealer fitted optional extras that improve value, performance, appearance or attractiveness.So pretty much everything.
If someone buys a used car, how do they find out that years ago when ordered new, the first owner checked the options boxes for things like front parking sensors, auto dimming mirror, and storage nets on the back of the seats - and that they weren't just standard?
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.
I think it is about time the insurers were made to be a lot clearer on what they mean by modifications upfront, rather than relying on if in doubt phone some just above minimum wage call centre monkey who is on commission to charge you admin fees.
Unless manufactures have started to include a UK spec number plate in their 'standard specification', then not a single car on the road could be declared unmodified according to the statement "all changes made from the manufacturers standard specification must be disclosed"
Unless manufactures have started to include a UK spec number plate in their 'standard specification', then not a single car on the road could be declared unmodified according to the statement "all changes made from the manufacturers standard specification must be disclosed"
g3org3y said:
supertouring said:
J4CKO said:
Her faith is strong, drives a s
tty Zafira and still beleives in god.
She is being tested by Satan. tty Zafira and still beleives in god.
What other cars are a clear indication of a firm belief in God??
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"......
Every vehicle I have ever owned has been 'modified'.
Hell, even our 3 business vans have been fitted with alloys, colour coded bumpers etc. Astra VXR wheels on the Astra Sportive Van and Audi RS6 alloys on the VW Caddys.
I just like things to look nice, even if they are used by the employees for work
Hell, even our 3 business vans have been fitted with alloys, colour coded bumpers etc. Astra VXR wheels on the Astra Sportive Van and Audi RS6 alloys on the VW Caddys.
I just like things to look nice, even if they are used by the employees for work
NinjaPower said:
Every vehicle I have ever owned has been 'modified'.
Hell, even our 3 business vans have been fitted with alloys, colour coded bumpers etc. Astra VXR wheels on the Astra Sportive Van and Audi RS6 alloys on the VW Caddys.
And, more relevantly to the thread, signwritten?Hell, even our 3 business vans have been fitted with alloys, colour coded bumpers etc. Astra VXR wheels on the Astra Sportive Van and Audi RS6 alloys on the VW Caddys.
Do your insurers know?
Missingbadly said:
Another Insurance con. Pick out the non-normal cars/drivers and hammer them for no good reason.
But there is a very good reason, as has been explained on here.Large signwriting all across your car, declaring support for a religion / football team / political party or whatever is bound to be a target for vandals who disagree with the cause you are supporting. Thus the risk of a claim is increased. It's entirely different from a sticker in the window.
I don't know why so many people can't grasp that pretty simple fact.
TwigtheWonderkid said:
But there is a very good reason, as has been explained on here.
Large signwriting all across your car, declaring support for a religion / football team / political party or whatever is bound to be a target for vandals who disagree with the cause you are supporting. Thus the risk of a claim is increased. It's entirely different from a sticker in the window.
Its an excuse for insurers to up premiums. Simples. Large signwriting all across your car, declaring support for a religion / football team / political party or whatever is bound to be a target for vandals who disagree with the cause you are supporting. Thus the risk of a claim is increased. It's entirely different from a sticker in the window.
Missingbadly said:
TwigtheWonderkid said:
But there is a very good reason, as has been explained on here.
Large signwriting all across your car, declaring support for a religion / football team / political party or whatever is bound to be a target for vandals who disagree with the cause you are supporting. Thus the risk of a claim is increased. It's entirely different from a sticker in the window.
Its an excuse for insurers to up premiums. Simples. Large signwriting all across your car, declaring support for a religion / football team / political party or whatever is bound to be a target for vandals who disagree with the cause you are supporting. Thus the risk of a claim is increased. It's entirely different from a sticker in the window.
If my experience is anything to go by she'll also be banned from the local recycling centre with her commercial vehicle (council rules say "any vehicle with writing on the sides"
Frankly- whoever did the sign writing should also be shot for the awful use of our language... perhaps her insurance was withdrawn for grammatical reasons?
Frankly- whoever did the sign writing should also be shot for the awful use of our language... perhaps her insurance was withdrawn for grammatical reasons?
Plenty of people here asserting that having slogans written on the car makes this woman and the vehicle more of a target, but can anyone actually evidence this?
My dear old Mum has a private plate which is very obviously related to the local football team. The car is also adorned with a couple of window stickers and other things showing, very overtly, her support of the team. We've parked the car outside the stadium of fierce local rivals on the evening of a match and had absolutely no trouble, despite the presence of 3000 mostly drunk, unhappy locals.
Knowing how most on here feel about both private plates and football, surely you'd think that if nothing happens to that car in those circumstances, it's as near as makes no difference absolutely unlikely that anything will befall this poor woman's Nutter-Mobile. Even if a risk does exist, it cannot be sufficiently severe as to warrant a major insurer outright refusing to offer cover from the get-go, as they are making out in this instance.
I do see the point being made by Twig and others, that there could be a chance that the vehicle would be targeted, but then, there's that chance with about a billion other things too.
Insurers insure against risk, that's what premiums are for. This, to me, seems awfully like an insurer vastly exaggerating the risk posed by a set of circumstances in order to avoid their responsibilities.
As an aside, I can't wait until FaceAche/The Wail gets hold of this story and, somehow, makes it into a "Muslim woman at insurance company hates Christian woman so refuses her cover" story.
Simon.
My dear old Mum has a private plate which is very obviously related to the local football team. The car is also adorned with a couple of window stickers and other things showing, very overtly, her support of the team. We've parked the car outside the stadium of fierce local rivals on the evening of a match and had absolutely no trouble, despite the presence of 3000 mostly drunk, unhappy locals.
Knowing how most on here feel about both private plates and football, surely you'd think that if nothing happens to that car in those circumstances, it's as near as makes no difference absolutely unlikely that anything will befall this poor woman's Nutter-Mobile. Even if a risk does exist, it cannot be sufficiently severe as to warrant a major insurer outright refusing to offer cover from the get-go, as they are making out in this instance.
I do see the point being made by Twig and others, that there could be a chance that the vehicle would be targeted, but then, there's that chance with about a billion other things too.
Insurers insure against risk, that's what premiums are for. This, to me, seems awfully like an insurer vastly exaggerating the risk posed by a set of circumstances in order to avoid their responsibilities.
As an aside, I can't wait until FaceAche/The Wail gets hold of this story and, somehow, makes it into a "Muslim woman at insurance company hates Christian woman so refuses her cover" story.
Simon.
ferrariF50lover said:
Plenty of people here asserting that having slogans written on the car makes this woman and the vehicle more of a target, but can anyone actually evidence this?
My dear old Mum has a private plate which is very obviously related to the local football team. The car is also adorned with a couple of window stickers and other things showing, very overtly, her support of the team. We've parked the car outside the stadium of fierce local rivals on the evening of a match and had absolutely no trouble, despite the presence of 3000 mostly drunk, unhappy locals.
Knowing how most on here feel about both private plates and football, surely you'd think that if nothing happens to that car in those circumstances, it's as near as makes no difference absolutely unlikely that anything will befall this poor woman's Nutter-Mobile. Even if a risk does exist, it cannot be sufficiently severe as to warrant a major insurer outright refusing to offer cover from the get-go, as they are making out in this instance.
I do see the point being made by Twig and others, that there could be a chance that the vehicle would be targeted, but then, there's that chance with about a billion other things too.
Insurers insure against risk, that's what premiums are for. This, to me, seems awfully like an insurer vastly exaggerating the risk posed by a set of circumstances in order to avoid their responsibilities.
As an aside, I can't wait until FaceAche/The Wail gets hold of this story and, somehow, makes it into a "Muslim woman at insurance company hates Christian woman so refuses her cover" story.
Simon.
The insurance company in question insure loads of people so if they want extra premiums or to decline insurance completely, they must have had previous incidents to support this stance. Otherwise they are turning away perfectly good business for no reason, and why would they do that. My dear old Mum has a private plate which is very obviously related to the local football team. The car is also adorned with a couple of window stickers and other things showing, very overtly, her support of the team. We've parked the car outside the stadium of fierce local rivals on the evening of a match and had absolutely no trouble, despite the presence of 3000 mostly drunk, unhappy locals.
Knowing how most on here feel about both private plates and football, surely you'd think that if nothing happens to that car in those circumstances, it's as near as makes no difference absolutely unlikely that anything will befall this poor woman's Nutter-Mobile. Even if a risk does exist, it cannot be sufficiently severe as to warrant a major insurer outright refusing to offer cover from the get-go, as they are making out in this instance.
I do see the point being made by Twig and others, that there could be a chance that the vehicle would be targeted, but then, there's that chance with about a billion other things too.
Insurers insure against risk, that's what premiums are for. This, to me, seems awfully like an insurer vastly exaggerating the risk posed by a set of circumstances in order to avoid their responsibilities.
As an aside, I can't wait until FaceAche/The Wail gets hold of this story and, somehow, makes it into a "Muslim woman at insurance company hates Christian woman so refuses her cover" story.
Simon.
Your mum's experience is that of one individual, so is pretty meaningless. I know a young driver who have never made a claim, but that doesn't prove they aren't a higher risk.
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