Whose insurance should pay dealership's or the customers'?
Discussion
Well despite some people saying you will be covered, until the money is in your bank account, you're not covered. Especially from your keyboard.
A combination of denying claims, car stuck at dealer, security stopping anyone including insurance assessors from accessing vehicles, and insurers talking about reduction in values isn't a positive situation to be in.
And yet these lemmings will go back with their money to JLR time after time.
A combination of denying claims, car stuck at dealer, security stopping anyone including insurance assessors from accessing vehicles, and insurers talking about reduction in values isn't a positive situation to be in.
And yet these lemmings will go back with their money to JLR time after time.
If your car is insured by your own policy then it is covered.
You will “ probably “ have to pay your own excess unless as with the Luton fire some Insurers decide to make an ex gratia payment for whatever reason to cover this excess.
It is possible that your Insurer may well try and subrogate the amount they pay out from the garages insurance but I would personally doubt their chances at f success as being high.
You will lose your NCB unless protected and you may or may not pay more the following year or years.
The value paid out will be the same as would have been paid out prior to being at the garage.
Whether this is fair or not on the insured individual is not Insurers fault and is after all one reason for buying Insurance which is to put you back in the same financial position as pre loss.
I know Twig gets some flack over perhaps his style of posting and know he wasn’t working for an insurer but the advice and comments he makes always seem pretty spot on to me.
For my sins I was a specialist Insurance underwriter for nearly 4 decades and a broker for 5 years prior to that.
You will “ probably “ have to pay your own excess unless as with the Luton fire some Insurers decide to make an ex gratia payment for whatever reason to cover this excess.
It is possible that your Insurer may well try and subrogate the amount they pay out from the garages insurance but I would personally doubt their chances at f success as being high.
You will lose your NCB unless protected and you may or may not pay more the following year or years.
The value paid out will be the same as would have been paid out prior to being at the garage.
Whether this is fair or not on the insured individual is not Insurers fault and is after all one reason for buying Insurance which is to put you back in the same financial position as pre loss.
I know Twig gets some flack over perhaps his style of posting and know he wasn’t working for an insurer but the advice and comments he makes always seem pretty spot on to me.
For my sins I was a specialist Insurance underwriter for nearly 4 decades and a broker for 5 years prior to that.
QuickQuack said:
They take the value of the car into consideration when they calculate the insurance premium.
They also take into account that not every claim is going to write off the car completely. So in the above situation, some random person puts a scratch in your paintwork which you decide to claim for on insurance, and you're surprised that they won't replace the gearbox for free too?
But you were the last person “ in charge “ and “ allowed to drive “ prior to dropping off the car at the garage.
I know what that clause says but if you take the words too literally then you could never leave your car in a car park or hotel.
If the insurer wanted to exclude cover in those events it would need spelling out.
Personally would say it’s a terribly worded clause though and of course onus on the insured to read through the policy t and c prior to needing to make a claim.
I know what that clause says but if you take the words too literally then you could never leave your car in a car park or hotel.
If the insurer wanted to exclude cover in those events it would need spelling out.
Personally would say it’s a terribly worded clause though and of course onus on the insured to read through the policy t and c prior to needing to make a claim.
vikingaero said:
Well despite some people saying you will be covered, until the money is in your bank account, you're not covered. Especially from your keyboard.
A combination of denying claims, car stuck at dealer, security stopping anyone including insurance assessors from accessing vehicles, and insurers talking about reduction in values isn't a positive situation to be in.
And yet these lemmings will go back with their money to JLR time after time.
And why not? Once again JLR do not own the dealership. Inchcape own the dealership, why Inchcape choose to not move customer vehicles is not down to JLR.A combination of denying claims, car stuck at dealer, security stopping anyone including insurance assessors from accessing vehicles, and insurers talking about reduction in values isn't a positive situation to be in.
And yet these lemmings will go back with their money to JLR time after time.
alscar said:
But you were the last person “ in charge “ and “ allowed to drive “ prior to dropping off the car at the garage.
Difficult to claim you're "in charge" of the car if you've handed over the keys and somebody else has subsequently driven it, even if from one side of the dealership to another.I'm not entirely sure what they're trying to cover against here, but - for example - if you let a mate use the car on his policy's "driving other vehicles" clause, and it's then flooded or stolen, what then?
silentbrown said:
Just looking at MY policy exclusions and noticed this:
Based on that, surely they'd be able to refuse a claim if my vehicle was written off in a flood at a dealership? Unattended: tick, "last person in charge" :some bod at the dealership.
Have you looked at the policy wording because that looks like the 'easy reading' summary?Based on that, surely they'd be able to refuse a claim if my vehicle was written off in a flood at a dealership? Unattended: tick, "last person in charge" :some bod at the dealership.
QuickQuack said:
DP14 said:
Actual said:
Aretnap said:
What won't be covered by their insurance is whatever repairs the cars already needed doing before the flood.
Interesting. Seems that if a vehicle is faulty in some way then the insurance cover reduces by the value to rectify the fault and for a major component such as the main battery on an EV the vehicle's insured value is effectively worthless. A wizard wheeze by insurance companies. Insurance companies are scum.If you have, say, a BMW M3 with a broken gearbox parked on the street and someone crashes into it, why do you think you'd be entitled to the value of a fully functioning M3 rather than the value of an M3 with a broken gearbox?
It takes some pretty strange thinking to demand an insurance co pay out for the value of a fully working M3 worth maybe £20K when on the day of the write off, you would have happily let it go for £8K because it needed a new gearbox. You could almost be tempted to set it alight if that were the case.
silentbrown said:
I'm assuming it's using a "driving other cars" clause, which wouldn't cover fire or theft.
Would it cover when he’d finished driving it and parked it. Strict interpretation, it could be on your drive where it’s always parked but not insured if someone else parked it there after driving it on their “driving other cars 3rd party” cover.
I’d expect that to fail as soon as it was seriously challenged, but I’d not want to be the test case.
BertBert said:
silentbrown said:
I'm assuming it's using a "driving other cars" clause, which wouldn't cover fire or theft.
Why not?"You must bear in mind that you are only covered for Third Party Only benefits under this section of the policy which means that if the car is damaged or stolen we will not pay the cost to repair or replace it."
silentbrown said:
Because it doesn't. It's third-party insurance only.
"You must bear in mind that you are only covered for Third Party Only benefits under this section of the policy which means that if the car is damaged or stolen we will not pay the cost to repair or replace it."
But it does. Or it doesn’t…"You must bear in mind that you are only covered for Third Party Only benefits under this section of the policy which means that if the car is damaged or stolen we will not pay the cost to repair or replace it."
As ever, it’s down to your policy. I’ve got fully comp on any bike I’m riding under DOC (yes, for the pedants, I know it’s not a C!)
You can’t say it doesn’t. You probably can say YOURS doesn’t.
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