Insurance

Hi
I've been getting some good insurance quotes recently for my series 3 SWB V8
but they all seem to have a big restriction on the cover provided, something
like this:

"This policy will not cover loss or damage caused by fire to your car or it'
s accessories being stolen or taken without your permission if your car is
not in a securely locked garage between 2200 and 0600 hrs unless it is
temporarily parked or garaged during the course of a journey"

Since I can only park it on the street these policy's are not much use to me
but I am having trouble finding a policy that provides proper full cover, at
any cost. Anyone had problems like this before?

Thanks

Liam
www.sumpoil.pwp.blueyonder.co.uk

On Thu, 04 Aug 2005 15:37:13 GMT, Liam wrote:

> "This policy will not cover loss or damage caused by fire to your
> car or it's accessories being stolen or taken without your
> permission if your car is not in a securely locked garage between
> 2200 and 0600 hrs unless it is temporarily parked or garaged during
> the course of a journey"

Probably depends on where you live. I've not noticed(*) such a
restriction on any of my policies and I'm 99.9% sure I've told them
it's parked on the forecourt, our property but by the road no barrier,
and not garaged.

I'm curious about the wording of that quote it seems a bit woolly when
you *really* look at what it is saying.

(*)Makes mental note to go a check sometime...

--
Cheers [email protected]
Dave. pam is missing e-mail

> Since I can only park it on the street these policy's are not much use to
me
> but I am having trouble finding a policy that provides proper full cover,
at
> any cost. Anyone had problems like this before?

Have you tried Liverpool Victoria?
I found them very good.
TonyB

I had all that sort of nonsence to start with, which is as much to say as if
you don't put it in shrink wrap in a nuclear bunker you might as well forget
it, well those insurance companies surely dare not claim they are in the
insurance business so much as in the extortion one,

I eventually insured via Footman James on a classic policy with no
restrictions whatever.



--
Larry
Series 3 rust and holes


"Liam" <[email protected]> wrote in message
news:[email protected]...
>
> Hi
> I've been getting some good insurance quotes recently for my series 3 SWB
V8
> but they all seem to have a big restriction on the cover provided,
something
> like this:
>
> "This policy will not cover loss or damage caused by fire to your car or
it'
> s accessories being stolen or taken without your permission if your car is
> not in a securely locked garage between 2200 and 0600 hrs unless it is
> temporarily parked or garaged during the course of a journey"
>
> Since I can only park it on the street these policy's are not much use to
me
> but I am having trouble finding a policy that provides proper full cover,
at
> any cost. Anyone had problems like this before?
>
> Thanks
>
> Liam
> www.sumpoil.pwp.blueyonder.co.uk
>
>

On Thu, 4 Aug 2005 21:55:13 +0000 (UTC), "TonyB"
<[email protected]> wrote:

>> Since I can only park it on the street these policy's are not much use to
>me
>> but I am having trouble finding a policy that provides proper full cover,
>at
>> any cost. Anyone had problems like this before?
>
>Have you tried Liverpool Victoria?
>I found them very good.

Me too. Been with them for two years now. I felt a bit "disloyal"
switching from Direct Line right in the middle of them sorting out the
problems caused by a batty woman driving into the side of me, but I
saved over a 100 pounds a year.

Judith

That's odd, I didn't bother getting a quote from Footman James this year
because last year the documents they sent with the quote had the following:

"The insurance will not pay for any theft or malicious damage that occurs
between 10pm and 6am if the vehicle is not in a locked private garage and is
parked at or near;
* The proposers home; or
* any other address where the vehicle is normally kept that has been agreed
by us."

I think I'll give them a call to see if that has changed this year.
I still find it very strange that I can pay nearly the same price to insure
a new Jaguar, keep it on the road at night and have no such restrictions.
Considering something like a wing mirror or just the paint being scratched
will cost a hell of a lot more the repair than an old beat up Land Rover!

Liam
www.sumpoil.pwp.blueyonder.co.uk




"Larry" <[email protected]> wrote in message
news:[email protected]...
>I had all that sort of nonsence to start with, which is as much to say as
>if
> you don't put it in shrink wrap in a nuclear bunker you might as well
> forget
> it, well those insurance companies surely dare not claim they are in the
> insurance business so much as in the extortion one,
>
> I eventually insured via Footman James on a classic policy with no
> restrictions whatever.
>
>
>
> --
> Larry
> Series 3 rust and holes
>
>
> "Liam" <[email protected]> wrote in message
> news:[email protected]...
>>
>> Hi
>> I've been getting some good insurance quotes recently for my series 3 SWB
> V8
>> but they all seem to have a big restriction on the cover provided,
> something
>> like this:
>>
>> "This policy will not cover loss or damage caused by fire to your car or
> it'
>> s accessories being stolen or taken without your permission if your car
>> is
>> not in a securely locked garage between 2200 and 0600 hrs unless it is
>> temporarily parked or garaged during the course of a journey"
>>
>> Since I can only park it on the street these policy's are not much use to
> me
>> but I am having trouble finding a policy that provides proper full cover,
> at
>> any cost. Anyone had problems like this before?
>>
>> Thanks
>>
>> Liam
>> www.sumpoil.pwp.blueyonder.co.uk
>>
>>
>
>

Just found this on the website for Peter Best.
"Land Rovers must be garaged or parked on the drive - street parking is not
permitted"
Also they say they don't cover modified vehicles so there no help to me
anyway.

Liam


"Liam" <[email protected]> wrote in message
news:[email protected]...
> That's odd, I didn't bother getting a quote from Footman James this year
> because last year the documents they sent with the quote had the
> following:
>
> "The insurance will not pay for any theft or malicious damage that occurs
> between 10pm and 6am if the vehicle is not in a locked private garage and
> is parked at or near;
> * The proposers home; or
> * any other address where the vehicle is normally kept that has been
> agreed by us."
>
> I think I'll give them a call to see if that has changed this year.
> I still find it very strange that I can pay nearly the same price to
> insure a new Jaguar, keep it on the road at night and have no such
> restrictions. Considering something like a wing mirror or just the paint
> being scratched will cost a hell of a lot more the repair than an old beat
> up Land Rover!
>
> Liam
> www.sumpoil.pwp.blueyonder.co.uk
>
>
>
>
> "Larry" <[email protected]> wrote in message
> news:[email protected]...
>>I had all that sort of nonsence to start with, which is as much to say as
>>if
>> you don't put it in shrink wrap in a nuclear bunker you might as well
>> forget
>> it, well those insurance companies surely dare not claim they are in the
>> insurance business so much as in the extortion one,
>>
>> I eventually insured via Footman James on a classic policy with no
>> restrictions whatever.
>>
>>
>>
>> --
>> Larry
>> Series 3 rust and holes
>>
>>
>> "Liam" <[email protected]> wrote in message
>> news:[email protected]...
>>>
>>> Hi
>>> I've been getting some good insurance quotes recently for my series 3
>>> SWB
>> V8
>>> but they all seem to have a big restriction on the cover provided,
>> something
>>> like this:
>>>
>>> "This policy will not cover loss or damage caused by fire to your car or
>> it'
>>> s accessories being stolen or taken without your permission if your car
>>> is
>>> not in a securely locked garage between 2200 and 0600 hrs unless it is
>>> temporarily parked or garaged during the course of a journey"
>>>
>>> Since I can only park it on the street these policy's are not much use
>>> to
>> me
>>> but I am having trouble finding a policy that provides proper full
>>> cover,
>> at
>>> any cost. Anyone had problems like this before?
>>>
>>> Thanks
>>>
>>> Liam
>>> www.sumpoil.pwp.blueyonder.co.uk
>>>
>>>
>>
>>
>
>

Well I have used them before, and the only restriction is limiting property
damage to £20,000 so I had better be carefull whose shed I demolish.

Perhaps because my agreed value is that high and that I have not made any
claims off them in respect of the landie yet they are not worried.

I guess there are no general rules with insurance at all, it depends upon
the indiviual and the vehicle, as I got all manner of BS from NFU and
others.


--
Larry
Series 3 rust and holes



"Liam" <[email protected]> wrote in message
news:[email protected]...
> That's odd, I didn't bother getting a quote from Footman James this year
> because last year the documents they sent with the quote had the
following:
>
> "The insurance will not pay for any theft or malicious damage that occurs
> between 10pm and 6am if the vehicle is not in a locked private garage and
is
> parked at or near;
> * The proposers home; or
> * any other address where the vehicle is normally kept that has been
agreed
> by us."
>
> I think I'll give them a call to see if that has changed this year.
> I still find it very strange that I can pay nearly the same price to
insure
> a new Jaguar, keep it on the road at night and have no such restrictions.
> Considering something like a wing mirror or just the paint being scratched
> will cost a hell of a lot more the repair than an old beat up Land Rover!
>
> Liam
> www.sumpoil.pwp.blueyonder.co.uk
>
>
>
>

so Larry was, like...
> Well I have used them before, and the only restriction is limiting
> property damage to £20,000 so I had better be carefull whose shed I
> demolish.

And don't hit a Rolls Royce or you'll be spending the rest of your life in
debtors' prison. This is a hell of a restriction - most 3rd party liability
insurance covers you for 1-2 million these days. Seriously, you could have
an accident with any other car (or cars) on the road. How far is 20K going
to go - and can you foot the rest?

--
Rich
==============================
Disco 300 Tdi auto
S2a 88" SW
Tiggrr (V8 trialler)

Property as in hedges walls and shacks, not as in cars, there is a
difference.

And anyway you can't sue a debtor can you

I live by the Micawber principle .. something will turn up.


--
þT

L'autisme c'est moi

"Space folds, and folded space bends, and bent folded space contracts and
expands unevenly in every way unconcievable except to someone who does not
believe in the laws of mathematics"



"Richard Brookman" <[email protected]> wrote in message
news:[email protected]...
>
> And don't hit a Rolls Royce or you'll be spending the rest of your life in
> debtors' prison. This is a hell of a restriction - most 3rd party
liability
> insurance covers you for 1-2 million these days. Seriously, you could
have
> an accident with any other car (or cars) on the road. How far is 20K
going
> to go - and can you foot the rest?
>
> --
> Rich
> ==============================
> Disco 300 Tdi auto
> S2a 88" SW
> Tiggrr (V8 trialler)
>
>