Classic car on Classic policy stolen, tell main insurer??

[Jamaica]

The initial message was deleted from this topic on 14 October 2021 at 08:11

[Truckosaurus]

Only at the next renewal when they ask 'have you made any claims?'

[randlemarcus]

If they are daft enough to ask if she has made any claims, she can honestly say No.

If on the other hand they ask the more normal "any incidents", she might have to tell them theft incident, no claim made.

Out of interest, when it was nicked, why no claim, and cancel the policy?

[Old Merc]

I don't understand, " no claim was made, car found and crushed" ?? if it was found why was it crushed? did the insurance pay out on a total loss.

[Jamaica]

randlemarcus said:

If they are daft enough to ask if she has made any claims, she can honestly say No.

If on the other hand they ask the more normal "any incidents", she might have to tell them theft incident, no claim made.

Out of interest, when it was nicked, why no claim, and cancel the policy?

She did not want the hassle and though if she did not claim it would not impact her insurance,

[Jamaica]

Old Merc said:

I don't understand, " no claim was made, car found and crushed" ?? if it was found why was it crushed? did the insurance pay out on a total loss.

There was no claim, she thought the car wouldn't turn up and did not want the hassle of going through insurance. It was found in the end it was damaged and the crushed it in the end.

[Jamaica]

Truckosaurus said:

Only at the next renewal when they ask 'have you made any claims?'

She has not made any claim.

[Parisien]

Doesn't matter, they clearly ask.....


Have you had any motor accidents, claims or losses in the past 5 years, no matter who was at fault or if a claim was made?

The answer is yes.

[CanAm]

Jamaica said:

Old Merc said:

I don't understand, " no claim was made, car found and crushed" ?? if it was found why was it crushed? did the insurance pay out on a total loss.

There was no claim, she thought the car wouldn't turn up and did not want the hassle of going through insurance. It was found in the end it was damaged and the crushed it in the end.

But she had notified insurer of the loss, so it will be on record.

[Old Merc]

Out of interest, what model and year was it? What was it worth?

[The spinner of plates]

To notify the insurer of the theft and then not claim is the worst of both worlds I’m afraid.

[InitialDave]

How on earth do people make these decisions?

Why would you tell the insurer if you're not going to claim, and cancel your policy?

[Cascade360]

Parisien said:

Doesn't matter, they clearly ask.....


Have you had any motor accidents, claims or losses in the past 5 years, no matter who was at fault or if a claim was made?

The answer is yes.

It depends on how the question is framed, different insurers ask different questions.

[MikeM6]

Cascade360 said:

Parisien said:

Doesn't matter, they clearly ask.....


Have you had any motor accidents, claims or losses in the past 5 years, no matter who was at fault or if a claim was made?

The answer is yes.

It depends on how the question is framed, different insurers ask different questions.

Indeed, when I bought insurance for a classic car a couple of weeks ago, they only asked about accidents, convictions and claims, they did not ask about losses. I can't remember any time I have been asked about 'losses' come to think of it, but I will try and remember!

[Dave.]

Déjà vu... with a slight twist... Shame that thread was deleted.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

[AlexRS2782]

Dave. said:

Déjà vu... with a slight twist... Shame that thread was deleted.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Yep, OP has form for these sort of threads. I remember that one. Claimed they had a car "stolen", but evidently Police had located it & recovered it to a depot within a few hours.

For some reason, not to dissimilar to the same reason given in this thread, the OP immediately cancelled their insurance, but was then unhappy when the Police told them they'd need to either pay to release the car and / or pay storage fees for every day it remained on site. Then they went into a rant about how unfair it was that the Police had refused permission to go on site & strip various parts off the car, so they could sell them later on Facebook or similar, and then expected the Police would be fine with paying to scrap whatever was left of the car

[MikeM6]

AlexRS2782 said:

Yep, OP has form for these sort of threads. I remember that one. Claimed they had a car "stolen", but evidently Police had located it & recovered it to a depot within a few hours.

For some reason, not to dissimilar to the same reason given in this thread, the OP immediately cancelled their insurance, but was then unhappy when the Police told them they'd need to either pay to release the car and / or pay storage fees for every day it remained on site. Then they went into a rant about how unfair it was that the Police had refused permission to go on site & strip various parts off the car, so they could sell them later on Facebook or similar, and then expected the Police would be fine with paying to scrap whatever was left of the car

Hadn't twigged it was the same chap! Yeah that is odd behaviour...

[CanAm]

InitialDave said:

How on earth do people make these decisions?

Why would you tell the insurer if you're not going to claim, and cancel your policy?

And then the car is recovered....... but you have it crushed!?!? As AlexRS2782 said,

AlexRS2782 said:

Yep, OP has form for these sort of threads. I remember that one. Claimed they had a car "stolen", but evidently Police had located it & recovered it to a depot within a few hours.
:

[The spinner of plates]

Ah, maybe we shouldn’t feed the troll then.