Insurace get outs

[Finn]

Good article in Practical Classics, take your car to a show and it gets damaged, if you have a "barrier" around your car i.e. a length of rope, your cover is invalid, the liability is your own.

Put your car on a club stand? again your own policy is invalid, as the club "should" have its own public liability cover. Finn.

[mexman123]

And......

[Finn]

and what? the purpose of the post was to alert people that they can fall foul of a non claim due to an insurance company bringing fine print into play, that O.K. Finn?

[mexman123]

All private motor insurers will have exclusions in their policies to exclude such things as hire and reward, rallying, motor sport, trials and it dosn't surprise me if it isn't covered whilst being exhibited at a show either.

After all the insurers are covering 'road risks'

Liability cover for a show should be in force anyway.

I think the reason behind it possibly is if that car was for example being moved around a showhall and reversed into someone knocking them down and breaking their legs (or worse) then would the insurance company be liable as its not a public road or right of way??

Therefore any claim for liability would have to be made under a pulblic liabilty policy....Thats how i understand it.

[Vista]

All private motor insurers will have exclusions in their policies to exclude such things as hire and reward, rallying, motor sport, trials and it dosn't surprise me if it isn't covered whilst being exhibited at a show either.

 

You forgot to mention "paying out at all if it can be possibly avoided"

[mexman123]

True to an extent Vista...

However, did you know....(gets anorak on), if your motor insurance policy ran out, lets say 6 months ago and you are still driving it around uninsured....and you go and lose control and mow down 20 people at a bus stop and kill half of them.....who pays the millions of pounds potential compensation claim from relatives???

Answer below.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yep, the onus falls on the LAST KNOWN INSURER of that vehicle.

So i dosn't always fall in the insurance companies favour all the time after all....

[Vista]

I'd like to get my own back on insurance companies...............but not enough to consider mowing down everyone on the pavement

[Russian Bear]

Good article in Practical Classics, take your car to a show and it gets damaged, if you have a "barrier" around your car i.e. a length of rope, your cover is invalid, the liability is your own.

Put your car on a club stand? again your own policy is invalid, as the club "should" have its own public liability cover. Finn.

 

The polices we offer do have cover for Rallies, Shows and Events...

 

it states:

Participation in rallies shows and events is included under this insurance provided there is no involvement in racing, pace making,

speed testing or time trials nor the vehicle is used for hire or reward.

 

to break this down further and to give you two scenarios.

 

if the vehicle is in motion on the show field or event (whether driven or a hand brake snaps and causes the vehicle to roll), and subsequently hits a third party (vehicle or person) the motor policy would cover the claim...

 

If however the vehicle is static, not moving and left on show...maybe some drives into the vehicle or a child has climbed on it and fallen off...the events public liability policy would be used to claim off.

 

If people have any worries about events however small speak to the evnts organiser to see what public liability they have in place...

[Finn]

The company that were answering P.C's questions was Adrian Flux, a well established firm in Classic Insurance.

There are a lot of companies offering insurance, some policies are better than others, more suitable to what you want to do with your classic.

My 1968 Cortina I drive every day, and is insured as such, my 1986 Capri only runs in Summer, and she is on a laid up policy for the rest of the year.

The point I was raising is that the fine print can bite you in the Arse, still, got a bit of a discussion going. Finn.