My lovely 911 stolen last night
Discussion
num2uk said:
Adam B said:
that is very fair of them - could they argue that you deliberately undervalued your car to decrease premium, and therefore insurance was invalid as your car was more attractive to thieves than you declared?
I guess they could, if they thought I had undervalued the car at the time. When I took out the policy I had just purchased the car and I valued the car at the purchase price. The garage also backed me up on the rise of the market price of the model. It did take a bit of fighting, but I got the impression that the insurance company had a process for going through this type of fight.I wonder how many 911 R buyers insured for £140k or the silly £600k they shot up to?
citychap26 said:
The annoying thing is that one does not think about these things, in this day and age, It's just too simple to auto renew.
So ladies and gents, make sure that your car is insured for it true value. Thus far the only winner here is the c*nt criminal(s) who have nicked my lovely car. The police couldn't give a f*** and the insurance company are ducking and diving.
So true about it being too simple to auto-renew and also to forget to think about increases in value. Problem is, you only start thinking about it once you need to make a claim (by which time it is too late).So ladies and gents, make sure that your car is insured for it true value. Thus far the only winner here is the c*nt criminal(s) who have nicked my lovely car. The police couldn't give a f*** and the insurance company are ducking and diving.
Not sure I agree about the police not caring. I think the truth is more that they are chronically underfunded and understaffed. They don't have the resources to provide the policing required and so trying to catch car thieves is probably on a very long list of things they would like to follow up but simply can't. From their perspective any time spent on such cases is likely a waste of time because they know they won't be able to spend time solving them. Massively frustrating if you are at the receiving end of course.
another thread running........where burglars (3) broke in to steal my 911 (997) on Wednesday.
The police in fairness were very motivated when there was a chance of getting them...........as I returned home mid robbery. Turned up on mass in a few minutes.
Then full forensics etc.
What I gleaned though, was there are many more much worse things happening pretty much simultaneously over hearing the radios.
The car hugely important to me, but nobody hurt etc.
Also Forensics person next day.............had come from something much much worse than an attempted robbery.
It's hard, but they just don't have the money.
The police in fairness were very motivated when there was a chance of getting them...........as I returned home mid robbery. Turned up on mass in a few minutes.
Then full forensics etc.
What I gleaned though, was there are many more much worse things happening pretty much simultaneously over hearing the radios.
The car hugely important to me, but nobody hurt etc.
Also Forensics person next day.............had come from something much much worse than an attempted robbery.
It's hard, but they just don't have the money.
Esceptico said:
Not sure I agree about the police not caring. I think the truth is more that they are chronically underfunded and understaffed. They don't have the resources to provide the policing required and so trying to catch car thieves is probably on a very long list of things they would like to follow up but simply can't. From their perspective any time spent on such cases is likely a waste of time because they know they won't be able to spend time solving them. Massively frustrating if you are at the receiving end of course.
Hmm, not sure the police are underfunded if they can afford to spend so much time harassing motorists and tracking down those who upset someone on line!
belfry said:
My local broker (Norfolk) Adrian Flux's most competetive quote was
£3,250.00
"because of the theft". Apparently having your car stolen is your fault as they don't have anyone else to claim against. Makes a tracker look good value.
wow - still kept on the roadside?£3,250.00
"because of the theft". Apparently having your car stolen is your fault as they don't have anyone else to claim against. Makes a tracker look good value.
The Targa is beautiful though.
You really can't win can you with insurance.
schmunk said:
I think you're misconstruing that clause - it says that the insurer should pay:
(amount insured for) / (actual value of insured property) * (loss)
In this case, the loss is 100% of the car's actual value (£45k), so the payout should be limited to (£20k) / (£45k) * (£45k) = £20k.
For a partial loss, the payout would be 20/45 of the actual loss of value.
You do not get average clauses on motor insurance policies. (amount insured for) / (actual value of insured property) * (loss)
In this case, the loss is 100% of the car's actual value (£45k), so the payout should be limited to (£20k) / (£45k) * (£45k) = £20k.
For a partial loss, the payout would be 20/45 of the actual loss of value.
The Selfish Gene said:
double wow - did you lose your NCB in entirety?
Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
Sorry selfish gene, I might be wrong here but I thought once you claimed for a total loss on a policy that policy was in effect terminated. the should leave the OP to take up a new policy with whoever he chooses.Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
I might be wrong not having much personal dealings with insurance companies (never claimed), just what I have gleaned from PH.
MB140 said:
The Selfish Gene said:
double wow - did you lose your NCB in entirety?
Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
Sorry selfish gene, I might be wrong here but I thought once you claimed for a total loss on a policy that policy was in effect terminated. the should leave the OP to take up a new policy with whoever he chooses.Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
I might be wrong not having much personal dealings with insurance companies (never claimed), just what I have gleaned from PH.
Makes the thieving scum even more of a nightmare.
The Selfish Gene said:
MB140 said:
The Selfish Gene said:
double wow - did you lose your NCB in entirety?
Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
Sorry selfish gene, I might be wrong here but I thought once you claimed for a total loss on a policy that policy was in effect terminated. the should leave the OP to take up a new policy with whoever he chooses.Not sure who you use (sorry just spotted it's AF) - but I find Classic Line rather excellent - maybe for renewal time?
I might be wrong not having much personal dealings with insurance companies (never claimed), just what I have gleaned from PH.
Makes the thieving scum even more of a nightmare.
That’s what Understand too. Although small I’m comparison I was told my windscreen claim could affect my premium next year despite my NCB being unaffected. It still counts as a claim in their eyes which pushes the premium up. Same with “no fault” claims, still can push it up, just not as much as at fault. If your NCB is unharmed you then get the discount from the premium. At least that’s how I think it works :/
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