MegaSack DRAW - This year's winner is user - rgwb
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Both sons of customers. One an idiot one unlucky.
The idiot is 18 and has an insurance tracker in his car. His insurance bumped up from 2 grand to 5 after they tracked him doing 72 mph in a 30 zone. Apparently it's his mum's fault as she made him have the tracker fitted.
Mr Unlucky was driving home from the supermarket where he worked while wearing his uniform. Cops stopped him and said he was uninsured. He said he was covered and was told that it was only social and domestic cover.
Cops said they will examine his route on CCTV and then he will be stuffed. Seems over zealous buts let's be careful out there.
he needs to get Freddie Flintoff's lawyer
One an idiot
One is proving why insurance premiums are so high for teenage boys.
Cops stopped him and said he was uninsured. He said he was covered and was told that it was only social and domestic cover.
That's almost certainly bullshit, every personal insurance policy I've ever had has listed usage as "social, domestic and pleasure, and to and from work."
What are they going to prove by CCTV, that fact he was driving? They already did that. Sounds like piss and bluster to me, they pulled him over and couldn't find anything wrong so thought they'd stick the boot in. I do hope he got their badge numbers.
I thought all S,D&P policies also covered "travelling to and from a fixed place of work" almost by default.
SD&P was basically there to cover normal car use but not travelling salesmen types.
[quote=MoreCashThanDash said]I thought all S,D&P policies also covered "travelling to and from a fixed place of work" almost by default.
SD&P was basically there to cover normal car use but not travelling salesmen types.
http://www.confused.com/car-insurance/articles/what-are-the-car-insurance-classes-of-use
Yup I'd be amazed if the commute was excluded from his policy, however
http://www.theguardian.com/money/2011/nov/12/commuting-excluded-car-insurance
Good grief.
Well anyway, he wasn't commuting, he'd been to the shop.
I had to declare commuting on my recent renewal.
Are the police on commission these days?
Apparently it's his mum's fault as she made him have the tracker fitted.
Well he's right isn't he. If she hadn't, he wouldn't have been caught.
Another thing, when you take out insurance they always ask where you keep your car at night. Does that mean you have to return to the same spot every night or you're not covered? Also, what if you work nights?
One is proving why insurance premiums are so high for[s] teenage boys. [/s] [u]reckless drivers[/u]
Mine states commuting on the certificate, always has done for the main car, and business use too as it only adds about a tenner a year.
My other car's just s,d,p.
Did both of them run over cateyes ?
Footflaps > You spelt "****less" wrong.
You make a good point though - how come he's not lost his licence for that? Do they not give such data to the police? Double the speed limit is eligible for disqualification for experienced drivers, let alone new ones.
pretty sure I've seen commuter excluded insurance
pretty sure the cost is different if you park on drive/in garage rather than on the road. If your car gets stolen/burnt out while on the road when you've claimed it's locked in a garage you probably won't be getting an insurance pay out.Another thing, when you take out insurance they always ask where you keep your car at night. Does that mean you have to return to the same spot every night or you're not covered?
hope his mum gave him a slap and pointed out his error(s)Apparently it's his mum's fault as she made him have the tracker fitted.
Jambourgie - depends. One off reason, eg couldn't go on drive as we had a rubbish skip that day, I've paid claims out for that.
Long term issue, eg car not garages as it was stated it was because the garage was always crammed with the owners 15 niche bikes, I've turned them down.
But that was a few years ago when I was a claims manager, so rules may have changed
That's almost certainly bullshit, every personal insurance policy I've ever had has listed usage as "social, domestic and pleasure, and to and from work."
My first insurance was not including work, as I cycled. So if he didn't insure for it could very easily easily be true.
To and from one place of work = commuting.
I work between 2 offices so have to have business use.
I wonder if they'll start checking mileage next.
MoreCashThanDash, thanks, I get that bit. What I mean is; if say you went down from Scotland to see some relatives on the south coast and you stayed the night. If your car was stolen, could the insurance company deny payment because your car was not stored where you said it would be.
Also, using your example. What would happen if the car was registered as being kept on the road at the address, but then the owner decided that MTB'ing is a mugs game, flogged the 15 niche bikes and put the car in the garage. And then it got nicked?
The insurance didn't notify the cops and he is now walking as there's no way he can afford the premiums.
Not sure if his mum has hidden the keys and if it's off the road.
Jambourgie - that would not stand as a reason not to pay out. Wordings normally relate to the "usual" situation, occassional changes would not affect cover, unless there is a very particular warranty imposed eg tbe car must be kept in a locked garage overnight".
Our insurance premiums went down a whopping £8 a year after moving to a better postcode and parking on the driveway.
well Zippy me old mate. As myself, my wife and two sons live near to you and even nearer to your shop and are regularly riding our bikes around those roads I have to say that I'm glad idiot number one is off the road.
Sounds like old bill BS for case number 2.
MoreCashThanDash - Member
Jambourgie - that would not stand as a reason not to pay out. Wordings normally relate to the "usual" situation, occassional changes would not affect cover, unless there is a very particular warranty imposed eg tbe car must be kept in a locked garage overnight".
Got it. Thanks. As you were.
Many policies exclude commuting (as drivers are stressed out and roads are busier at commuting times). For younger drivers unfortunately the price differential can be significant.
FWIW though, I kept finding my last insurer made minor "mistakes" on the certificate every time I called to change something, so just went with someone else online (so I could enter the data myself not have it massaged by someone else). Not sure I could've proved what I'd said in phone calls in the event of a very thorough policeman or refused claim though.
But idiot and his mum are both to blame.
His insurance bumped up from 2 grand to 5 after they tracked him doing 72 mph in a 30 zone
Another few years and these will be installed on all cars, and something like this would get him a ban instead bump in his insurance. Probably not such a bad thing.
I've had an insurance policy which excluded commuting.
Surely the police must have had some other reason for stopping the Sainsbury's guy ? This story doesn't sound likely.
I added business use onto my car insurance as I occasionally pop to a site on the way to work and so on, the premium actually went down by £5!
Not sure if his mum has hidden the keys and if it's off the road.
What's the car, out of interest?
Back when I was learning, it was a bit of a sport to find out low insurance group cars that weren't totally crap as a first car. The number of young lads I see these days hooning around in Scoobys and Evos rather than a Dacia Sandero or something just staggers me.
massive generalisation alert*
They'll be in the uninsured drivers group then...
Another few years and these will be installed on all cars
I do wonder why we don't all have to have them as such a good way of checking on how we drive which seems a good thing. Hopefully cameras also one day so 'accidents' can be viewed.
Surely the police must have had some other reason for stopping the Sainsbury's guy ?
If you're young you get pulled over all the time.
The number of times I've been pulled over has decreased steadily from getting my first car till now (18->25 years old). At times it just seemed like they thought younger folks were an easy target.
my wife got pulled over by some youth of a policeman (solo) a while back -- excuse was that the tyres were a bit flat (they weren't) but basically we reckon it's because the car is pretty old (P reg) and looks a bit tired (hub caps missing etc). I think the lad of a PC got a shock though when he looked in the window and was presented with a lady of a certain age peering over her driving glasses at him, not what he expected..
re youths in scoobys & Evos, plenty of that here, lots of well-paid jobs (farming, fabrication, even off-shore) for folk prepared (maybe) to do the insurance fronting game, who stays at home, maybe work on a farm as well so insurance is farm insurance?
Another thing, when you take out insurance they always ask where you keep your car at night. Does that mean you have to return to the same spot every night or you're not covered?
I used to insure with Admiral. They told me they charged a slightly higher premium if the car was parked on a drive or in a garage because they kept getting claims for numpties driving into their gates and garage doors.
Probably untrue but amused me at the time.
If my motorbike is nicked within half a mile of home they wont cover it as I have said i keep it in garage.
I used to insure with Admiral. They told me they charged a slightly higher premium if the car was parked on a drive or in a garage because they kept getting claims for numpties driving into their gates and garage doors.
Admiral told me the same thing. I no longer park in the garage.
People need to read the small print on commuting insurance. I too have had policies that excluded it, and some also reckon you need business use if you carry your employers goods around in your vehicle...and that included laptops on the commute. I get business use to make sure I am covered - it rarely costs anything.
As above, always check your policy. Month ago I renewed a multicar policy. Two policies came with 'commuting' and one didn't!! apologies from the insurance company when I rang them immediately.
Unsure how it would have gone if involved in an accident or police checked.
Funny that. My insurance includes business use for no extra cost.
Mind you, there is nothing that makes insurance affordable like the long slide to old fart-dom. My premiums have dropped significantly since passing 45.
BMW 320d Sport? Fully comp, protected? £230 to you sir.
Smashing.
It's great isn't it ScottChegg 🙂
I suppose it offsets the grey hair & the extra ones that now feel the need to grow out of your ears & nose :/
Was idly looking at cars last month & got a quote for a 530d Estate £203 FC with PNC. Multisplendid
Cougar - ModeratorYou make a good point though - how come he's not lost his licence for that? Do they not give such data to the police? Double the speed limit is eligible for disqualification for experienced drivers, let alone new ones.
Speed cameras, radar and laser guns or speedometers in police cars will all be calibrated and home office approved as means of gathering proof of speeding to an evidential standard, the insurance company's own black box trackers will not.
Admiral told me the same thing. I no longer park in the garage.
I'm with Admiral because they were the only affordable insurer when I passed my test.
On my original quote I said that I had a car alarm.
Realising later that I had an immobiliser too, I called back up and said that I had both an alarm AND immobiliser. They had to requote me and it went UP by £200!
I asked how it was possible for my car to be a higher insurance risk than before, despite it being the exact same car as before, but actually having better security.
Apparently, their statistics show that cars with alarms and immobilisers are more likely to be stolen than cars with just alarms. The woman couldn't understand why I was a bit cheesed off 🙂