278 replies to this topic

[Jonny dhr]

I just insured my SC'd 2.2 with Henderson Taylor and not only were they were the best price out of the bunch, but they were the easiest/quickest to get hold of and the nicest to talk to as well. Good customer service is a worth a lot in my opinion!

 

 

[gaffer1986]

I agree, Matt is very easy to deal with.

[P11 COV]

 

Renewed today with agreed value and unlimited TD's also. Stage ??? Harrop all singing all dancing 9 YNC aged 28 for £570. It seems ERS offer different perks for different brokers. A1 insurance couldn't match HT on agreed value if I were to park my car on my drive instead of the garage. Also only 5 TD a year. I'm happy with everything and the service from Matt.

What mileage per annum restriction have you got or is it unlimited ?

 

 

I think mine was 5000 miles but again, a bit like the number of trackdays, I've never been asked to confirm my mileage so how they going to know?  I suppose they could look at MOT's?

[PaulCP]

  I think mine was 5000 miles but again, a bit like the number of trackdays, I've never been asked to confirm my mileage so how they going to know?  I suppose they could look at MOT's?

Unlikely...........................................................................................until you make a claim 😉😉

[CocoPops]

I think mine was 5000 miles but again, a bit like the number of trackdays, I've never been asked to confirm my mileage so how they going to know?  I suppose they could look at MOT's?

Unlikely...........................................................................................until you make a claim 😉😉

Especially as MOT information is freely available online: For example: 19 June 2015 - 72,767 miles 3 June 2014 - 67,708 miles 27 May 2014 - 67,702 miles (Failed) 31 May 2013 - 62,054 miles 23 May 2012 - 56,783 miles etc etc etc

[siztenboots]

It's not a calibrated instrument so I doubt it would count in law.

[Mattyboi]

Got to be worth more than £8k?

 

Maybe, I was just estimating until I can get a report done. Its not agreed until I provide the report but I can provide it at any time and it kicks in.

[PaulCP]

It's not a calibrated instrument so I doubt it would count in law.

Hmmm, not sure about that Steve, but who would have the wear with all to take an insurance company to court on that technicality once they have been given the perfect excuse for denying a claim.

[Sutol]

 

It's not a calibrated instrument so I doubt it would count in law.

Hmmm, not sure about that Steve, but who would have the wear with all to take an insurance company to court on that technicality once they have been given the perfect excuse for denying a claim.

 

If you pranged it they would take the reading off the odemeter, they've got nothing else.

[siztenboots]

fair points

[P11 COV]

 

 

It's not a calibrated instrument so I doubt it would count in law.

Hmmm, not sure about that Steve, but who would have the wear with all to take an insurance company to court on that technicality once they have been given the perfect excuse for denying a claim.

 

If you pranged it they would take the reading off the odemeter, they've got nothing else.

 

 

Unless your MOT dates coincide with the Insurance start end dates it would be difficult to prove exactly in which bit of the year when the miles were done.  

[PaulCP]

 

 

 

It's not a calibrated instrument so I doubt it would count in law.

Hmmm, not sure about that Steve, but who would have the wear with all to take an insurance company to court on that technicality once they have been given the perfect excuse for denying a claim.

 

If you pranged it they would take the reading off the odemeter, they've got nothing else.

 

 

Unless your MOT dates coincide with the Insurance start end dates it would be difficult to prove exactly in which bit of the year when the miles were done.  

 

So you make a claim, your mileage between MOTs shows more than your insurance limit, same for previous year and your claim gets rejected. Its now up to you to prove that you didn't exceed your allowance.

 

Man in the street takes on insurance company during which time you are car less and it could take months to resolve. The odds are pretty much stacked against you unless you have a fool proof way of proving your case!

 

Its an argument i wouldn't want to take on for the sake of an extra £80 or so on the policy cost

Edited by PaulCP, 12 May 2016 - 09:03 PM.

[Mattyboi]

Does the mileage limit distinguish between road miles and track miles?

[P11 COV]

Does the mileage limit distinguish between road miles and track miles?

 

If you weren't insured for the trackday I would suggest it shouldn't (not sure how you would prove that though. If you were covered then I guess that would be part of your allowance.

 

Only guessing though.

[Sutol]

Does the mileage limit distinguish between road miles and track miles?

How can it? If you have a 5k limit on the car that's on track and road.

[gaffer1986]

You can't differentiate between the two so it must include all miles the car covers.

[techieboy]

REIS and Heritage both used to "not count" track mileage in annual mileage, if you could be bothered to record it.

[gaffer1986]

How would you prove it?

[techieboy]

Trust, maybe? Who the fcuk knows? I never bothered as I couldn't give a sh!t and would just pay for the next mileage band up when I went over just like most people who don't spend their entire lives staring at the odometer.

[Mattyboi]

I'm not to fussed, my 8000 miles is plenty and it didnt cost much more than 5000 miles.