CAR INSURANCE

[sarahandher6dachshunds.]

i checked my car insurance,policy and certificate, also called insurers to check insurance.asked what happens to my car insurance when i tow?reply was the car insurance drops down to 3rd party,on the car.WHAT i go.the car but its fully comp.to cut a long story short the moment i hitch up i am only 3rd party on my car, that is the car not the van or trailer.i have now changed and fast to.

how can car insurance drop for the car,

i understand that it is 3rd party for the caravan.

why is this not shown in documents,or certificate,i checked all exclusions.

i check every year and this is a 1st,i also state that i tow a avondale 556/6 caravan each year.

please check your policies.

i know i live in Ireland but it was through a big company.one that operates in the U K they use yellow recovery trucks.

i would hate to think that anyone thought they were fully comp when it could be 3rd party only,just because you are towing.

CAR IS ONLY 3RD PARTY WHEN HITCHED UNHITCHED IT IS FULLY COMP.

PLEASE CHECK******************

 

[emmitdb]

Greetings Sarah,

I don't know whether the Republic has different Civil Law Statues to the UK but, if it isn't in their terms and conditions and it cannot be found on any of their exclusions or other printed matter then you have fully comp for when you are towing and when you are solo.

A contract is a contract and they can say what they want but if it isn't in the terms and conditions agreed at the time of the formation of the contract then you have the right to go after them with a legal big stick come the occasion that a claim arises.

 

[Steve L]

I wouldn't get too excited just yet.

Sarah you mention that you read the T's & C's of the policy, did you read the T's & C's of the proposal form too?

If you did and can prove it with photo copies of the forms etc, then your insurer can not change these terms without prior notification and signed acceptance by you their customer.

A lot of folks get hung up on disclosing tow bars to inbsurers as well. I am in the process of changing my car and I went online to my insurer swift cover and they clearly state they do not want to know about tobars as long as they are type approved.

I always keep copies of all communications with insurers simply because you never know when you might need to rely upon the evidence.

So far (touch wood)I have not failed in getting my just deserves out of my insurers.

Atb Steve L.

 

[sarahandher6dachshunds.]

I wouldn't get too excited just yet.

Sarah you mention that you read the T's & C's of the policy, did you read the T's & C's of the proposal form too?

If you did and can prove it with photo copies of the forms etc, then your insurer can not change these terms without prior notification and signed acceptance by you their customer.

A lot of folks get hung up on disclosing tow bars to inbsurers as well. I am in the process of changing my car and I went online to my insurer swift cover and they clearly state they do not want to know about tobars as long as they are type approved.

I always keep copies of all communications with insurers simply because you never know when you might need to rely upon the evidence.

So far (touch wood)I have not failed in getting my just deserves out of my insurers.

Atb Steve L.

yes yes yes asked

 

[sarahandher6dachshunds.]

sarah here i changed promptly over to different insurers, i asked i stated read certificate all paperwork did not say not even exclusions eg,e6,e9,ect.only found out because i asked.

what happens to car insurance when i tow my caravan?

they know its a avondale dart 556,

all policies here thru the aa,are the same,all drop to 3rd party when hitched for the car,we asked.

must have missed it 4 years in a row and 3 calls as well.

would not have insured thr them in the first place had i known,

gave next company a tough time checking checking,read and reread all paperwork,and i mean all paperwork,

please check.lucky i have not had an accident or i would be screwed.sarah

 

[sarahandher6dachshunds.]

sarah here i changed promptly over to different insurers, i asked i stated read certificate all paperwork did not say not even exclusions eg,e6,e9,ect.only found out because i asked.

what happens to car insurance when i tow my caravan?

they know its a avondale dart 556,

all policies here thru the aa,are the same,all drop to 3rd party when hitched for the car,we asked.

must have missed it 4 years in a row and 3 calls as well.

would not have insured thr them in the first place had i known,

gave next company a tough time checking checking,read and reread all paperwork,and i mean all paperwork,

please check.lucky i have not had an accident or i would be screwed.sarah

i am so careful got caught out once but insurers did pay out,i was only 20 then got thru as i had checked out policy with the chief superintendent of traffic police,all thought i was covered,

very careful now,

declared, drop foot,spinal cord injury,for hubby,

uk license,

date of accident 91

towing caravan

north of border and uk

length of visit to uk

double checked which uk license to photocopy and why,why not other one,mine,

named on policy.

and gave the poor bloke a good ear bashing on every towing aspect.