Car key breakdown cover add on

[Acuity30]

The initial message was deleted from this topic on 25 May 2023 at 00:10

[Searider]

They won’t want to pay for a key you lost before you took out the policy. To make a claim I’d suggest would be fraudulent.

If you want to know what the cover is read the policy terms.

[Acuity30]

I couldnt find anything in the policy wording which says the key must be lost at or after the time of taking the policy out

[Pica-Pica]

Acuity30 said:

I couldnt find anything in the policy wording which says the key must be lost at or after the time of taking the policy out

Do you really think you can take a policy out for a specific issue, then apply it retrospectively?

[Acuity30]

Pica-Pica said:

Do you really think you can take a policy out for a specific issue, then apply it retrospectively?

Yes if the policy wording has no rules against it

[dhutch]

Searider said:

They won’t want to pay for a key you lost before you took out the policy. To make a claim I’d suggest would be fraudulent.

Especially having posted all about it on the internet!

[shtu]

Acuity30 said:

I lost my primary car key a few weeks ago, still have the spare and hadn't got it replaced.
I'm due to get new breakdown cover soon and there is an optional extra to buy car key cover. In that case if I claim will they pay out for a new spare key and fob? if I do it myself thru Volvo I'd be looking at £300ish, only brand new keys can be coded to the car using their special software, so it's dealership only. I'm just not sure on how this cover is meant to be interpreted, since it's not an emergency with no access to the vehicle, I just want a spare backup key

Naughty boy. Bad boy. In your bed.

[CraigyMc]

Acuity30 said:

Pica-Pica said:

Do you really think you can take a policy out for a specific issue, then apply it retrospectively?

Yes if the policy wording has no rules against it

Hilarious lack of acuity.

[shtu]

Acuity30 said:

Pica-Pica said:

Do you really think you can take a policy out for a specific issue, then apply it retrospectively?

Yes if the policy wording has no rules against it

I'm off to Lloyds to insure HMS Titanic against iceberg damage. Flawless plan.

[Rough101]

shtu said:

I'm off to Lloyds to insure HMS Titanic against iceberg damage. Flawless plan.

Join the queue, I’ve checked their policy wording and it says NOTHING about the Titanic!

[Foss62]

shtu said:

I'm off to Lloyds to insure HMS Titanic against iceberg damage. Flawless plan.

The main flaw is that an HMS Titanic never existed (RMS).

[rayny]

Foss62 said:

shtu said:

I'm off to Lloyds to insure HMS Titanic against iceberg damage. Flawless plan.

The main flaw is that an HMS Titanic never existed (RMS).

Also, the iceberg has melted - so you do not have an address to which to serve the writ

[Acuity30]

shtu said:

I'm off to Lloyds to insure HMS Titanic against iceberg damage. Flawless plan.

No such thing as the HMS Titanic lol! Silly

[vikingaero]

shtu said:

Acuity30 said:

I lost my primary car key a few weeks ago, still have the spare and hadn't got it replaced.
I'm due to get new breakdown cover soon and there is an optional extra to buy car key cover. In that case if I claim will they pay out for a new spare key and fob? if I do it myself thru Volvo I'd be looking at £300ish, only brand new keys can be coded to the car using their special software, so it's dealership only. I'm just not sure on how this cover is meant to be interpreted, since it's not an emergency with no access to the vehicle, I just want a spare backup key

Naughty boy. Bad boy. In your bed.

I got a new Volvo remote key coded and cut for my Uncle for £120 from a mobile locksmith. Granted the remote was a Chineseum copy, but it works well enough, so definitely not dealership only.

I know of an acquaintance who bought a Google Pixel 7 Pro, dropped it a week later because he's a tight, useless manchild and has taken out a phone policy to use to repair the already damaged phone. Some people have morals, others don't.

[Olivergt]

Is this how it works now? Wait for an unfortunate event to happen, and then take out insurance to cover it?

As others have said, some people have morals, others don't.

If you go ahead with your cunning plan, don't EVER complain about the price of insurance!!!!!

[CraigyMc]

Acuity30 said:

I lost my primary car key a few weeks ago, still have the spare and hadn't got it replaced.
I'm due to get new breakdown cover soon and there is an optional extra to buy car key cover. In that case if I claim will they pay out for a new spare key and fob? if I do it myself thru Volvo I'd be looking at £300ish, only brand new keys can be coded to the car using their special software, so it's dealership only. I'm just not sure on how this cover is meant to be interpreted, since it's not an emergency with no access to the vehicle, I just want a spare backup key

Predictably followed by

Acuity30 said:

The initial message was deleted from this topic on 25 May 2023 at 00:10

when OP realised that insurance fraud isn't a great thing to commit to on a public forum

[alscar]

Posted by the same person a while ago.


Purely out of curiosity, no I don't have any undeclared mods on my own car. However I've read many times of people saying if you were in an accident, particularly an at fault claim, with an undeclared remapped motor, the insurers can take the car away, have it dynoed and void your insurance.
Well, has this ever happened to anyone? Or other things like not declaring aftermarket alloys, or debadging/rebadging etc. What difference do those make in the grand scheme?