Where the hell was this from?
- Thread starter ukracer
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More Amps
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I'm more than a little unclear how they can simultaneously "not load the premium for having a towbar fitted" while also refusing the claim on the basis that "they were not told"
Either they weren't told about the towbar (and so couldn't load the premium) or they refused the claim as they hadn't been told about the towbar.
Logically they could not have kept the premium low by not acknowledging the presence of the towbar they didn't know about in order to then be in a position to refuse the claim when the existence of the towbar became apparent...
There is a good reason why there's an insurance ombudsman to adjudicate on disputes!
I disagree, forgetfulness doesn't come into it, imo insurance companies behave in every other way but being charitable.
Insurance companies are powerful bodies, Governments are afraid of them, the UK among them, they allow insurance companies to behave and act as licences to print money, this especially so for younger drivers.
Why? because these companies control massive pension pots, pay pensions this or any government could not afford, have bought into our infrastructure, insurance companies are all about profit and dividends.
Should they apologise for this, no they are a business with a business mentality and profitable business model.
Comparison websites while convenient, work against the public when it comes to pricing and value imo.
When it comes to say car insurance claims, the majority of claims will be settled but rarely to the customers satisfaction.
Insurance companies will take your money but do not act in good faith when it comes to claims.
Health and pet claims come to mind.
The whole industry requires a thorough shaking and rethinking.
As a start, not sure how it would work, how about a flat rate, government set, insurance wide and administered social car insurance scheme for all drivers with a licence, or God forbid, no requirement for vehicle insurance at all, see prices tumble then to a more reasonable level.
I'm ranting.
I would kind of expect the roof to support the weight of the car, not that I'm in any way suggesting putting another car on your roof rack
Stu
Agroshield
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I quite like that as a measure of distance. Plenty of space for parallel parking.
Morris
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They don't all work like that. There are good club schemes that allow blanket modifications and some specialist insurers that allow mods with no penalties.
I've used Classic line via the NSRA and it's based on value only, very reasonable and unlimited mileage.
Morrisman
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When I insured my bike with Carole Nash I was emailed the cover note, which includes a list of modifications and alterations that no longer needed reporting on the insurance application. It was an extensive list, and rather surprising how much was in it. I don’t know if car insurance has such a thing.
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Possibly because when towing you're likely to drive more carefully?
The ombusman sided with the insurance company.
They shouldn't have, they clobbered the claimant and gently tapped the hand of the insurance company with some light criticism as to wording and transparency, unjust decision imo.The ombusman sided with the insurance company.
zzr1200
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Also some car models are NOT RATED for towing by the manufacturers, the Audi TT is one I believe, however there are other car models that share an almost identical floor pan, but different upper body panels (ie: different models), that fall into the non-tow rated class, Fords Fiesta can tow but a Ford Ka can not as I understand.
But I think because of the floor pan being basically the same design you could fit a Fiesta towbar to a Ka on certain models, but I could be wrong it's a long time since I've looked under a Ka.
But I think because of the floor pan being basically the same design you could fit a Fiesta towbar to a Ka on certain models, but I could be wrong it's a long time since I've looked under a Ka.
addjunkie
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Mines the same, though during the discussion at renewal they dont care what Im towing as long as its legal and not too heavy.
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I had similar some years ago, I was getting insurance for a classic Range Rover and I asked how much it would be to add my wife as a named driver, the quote came down, apparently, if you're in a relationship you are a lower risk.
Morris
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Not sure I follow that logic. My second wife turned me into a stressed out wreck with homicidal tendencies (just one homicide).
addjunkie
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Thats your fault though…you married her!
The roof structure as a whole probably will - however, then put that through a few point loads to rain gutters . . .I would kind of expect the roof to support the weight of the car, not that I'm in any way suggesting putting another car on your roof rack
Stu
james butler
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there is good reason for this as the dynamic load is what is often stated yet the static load can be up to 4 times greater
this is how people get around fitting roof top tents on the roof of the vehicle as it weighs less then 75kg with no one in it yet can weigh up to 250kg with two people in it but you arent going to drive it when popped up
