Discussion
Just out of interest, for those of you who have Classic Line insurance. If you leave your TVR on the drive at any time, unless you are actually stood by it, you are not insured. It has to be in the garage day and night if you are not driving it. I cancelled my policy when I saw this, and went to Mannings.
Nic
Nic
I'm with Heritage and it's a similar clause in their terms and conditions. Although I'm okay with that part of it for now though.
Not sure if Classic Line has it as part of the insurance bundle, but Heritage offer as part of their package, European car recovery. I was quite happy about this, until I checked the small print that it didn't cover breakdowns at or near home. Not that a Griff would ever do that
. Brought my quote down by another 20 quid I think removing that option.
Cheers
John.
Not sure if Classic Line has it as part of the insurance bundle, but Heritage offer as part of their package, European car recovery. I was quite happy about this, until I checked the small print that it didn't cover breakdowns at or near home. Not that a Griff would ever do that
. Brought my quote down by another 20 quid I think removing that option. Cheers
John.
nicbowman said:
Just out of interest, for those of you who have Classic Line insurance. If you leave your TVR on the drive at any time, unless you are actually stood by it, you are not insured.
Nic
That's not true, my car is definitely insured for driveway parking through Classicline. When I took out the policy they asked if it was garaged, I said no. They then checked the area based on post-code and said it was ok to have the policy with driveway parking.
Your statement may be true if the car is declared as garaged? ...
zumbruk said:I agree with that,but 'garaged at night' should mean just that.In the daytime,you should be able to leave it on your drive really.
Many (most?) policies also do not cover the vehicle if it is outside at your home at night.
This is because if you say that the vehicle is garaged at night to reduce the premium, the ins co want you to garage it ...
Having read this thread I will be asking my broker (Peart) for clarification. Surely your car should be covered sitting in your drive or on the road outside your house!! After all it's less likely to be tampered with than if it is parked in a multi storey or any other car park. If you state the car is garaged I think when the car is at home it must be locked in your garage between certain hours for example 22.00pm - 06.00am
Hi, Mannings state 'must be garaged between 10pm and 6pm'. ClassicLine was 'must be garaged anytime it is not being used on a journey', i.e all day and night. This was very clear. I did not check if no-garage was an option, but it was not offered to me when I cancelled, and they must have known I was unhappy. Maybe best to check your policy if with Classicline.
Nic
Nic
ads said:
Mine is with Sunning hill and it states that the car should be garaged between the hours of 10pm and 6am if within a quarter of a mile from the garage, which makes sense a suppose.
So what happens for example if it's been snowing and you can't get your car all the way up the road to your house? Surely they can't refuse to payout in that case. Having said that, this is insurance companies we're talking about.
Insurers do make mistakes. I posted a while back as I took out a limited mileage policy with Mannings, only finding out later when reading the small print that I had to garage the car at night. I haven't got a garage so there's no way I would have knowingly taken out a policy like that. Mannings sorted it for me but I had to pay the balance for an unlimited mileage policy. Thank God no-one nicked the car from outside my house in the meantime.
Really worth checking, don't rely on the broker.
gooner
Really worth checking, don't rely on the broker.
gooner
Had a similar problem when I wanted to insure my Griff.My home has a private drive but no garage.I contacted several brokers and was told that I would have to pay a higher premium or was refused even a quote.I paid for a parking bay at a secure underground car park which has full shuttered gates which are swipe card activated, 24 hour CCTV and 24 hour maned security guards. When I approached the insurance companies again I was told that the garage needed to be within my homes boundary
After I convinced them to check out the underground car parks security they then offered me insurance
JT
ps I halved my insurance from £630 to £315 limited mileage
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