miles_hot":2n0f7z6g said:
One thing that shocked me this year was I discovered that even though I am fully comp I am not insured to drive other cars on TPFT. This was always the case in the past but apparently over the last few years some / many companies have quietly dropped this benefit to reduce costs etc. The number of times I might have been uninsured driving mates cars fills me with dread.
Something I will certainly be checking at the next renewal when I change companies!
Miles
Proves the rule that one should always read the conditions of the policy!
This is something pretty much what all the insurers are doing and to be fair to them, one of the main reasons is that it was never a "right", merely a side benefit. a benefit which was being abused by a number of people and assisted the decisions to deprive honest drivers of the facility. It was there purely so you could drive in an emergency as be honest, who would allow their mates to drive their motor under third party 'cos if they had an accident, the car isn't covered - I certainly wouldn't #-o
I knew one couple, albeit a number of years ago, each with a car, insured as sole drivers ('cos it was cheaper) but swapped cars regularly. They were too thick to realise it was TPF&T so would have lost out if had an accident and worse - these people would be uninsured if the company knew what they were doing.
I have absolutely no sympathy for insurance companies, they are there to make money for the shereholders but there's always another side to the story and they are favourite for joe public to screw. I'd question anyone who says they haven't encountered someone who's inflated a claim, put their son / daughter on a policy as occasional driver when they use the car most of the time. etc. etc. etc. So maybe we're all paying the price for the dishonest people out there.
I can't count the number of times I'm asked to make sure my repair estimates are for "insurance claim" :wink: so they can get the excess back. Some of them are annoyed that I refuse to do so!
I'm refering to general insurance, not just motor.
Bob
PS Roger - LV = Liverpool Victoria