Our car policies are jointly up for renewal soon, and the renewal notice required a couple of changes such as reducing the annual mileage on the run about, and changing ownership/keeper details.
So as ever I read through the current Terms and Conditions and was quite surprised at the extension of conditions relating to the cars electronic safety and data systems. Basically the insurer has the right to access the cars retained or transmitted data in the event of a claim. Also there is an obligation on the policyholder to ensure that all data updates relating to safety systems are installed. This isn't just for recalls. So assuming an owner takes the car in for its annual service it receives updates, but the owner may not have to go for another service in some cases for 2 years. Is the owner in default if they have a claim in month 20 and updates have been issued in month 12 and not installed? Assuming of course the updates may have affected the claim. It potentially could affect home DIY on the cars as they get older, or owners who use garages that do not have access to the update registers.
So as ever I read through the current Terms and Conditions and was quite surprised at the extension of conditions relating to the cars electronic safety and data systems. Basically the insurer has the right to access the cars retained or transmitted data in the event of a claim. Also there is an obligation on the policyholder to ensure that all data updates relating to safety systems are installed. This isn't just for recalls. So assuming an owner takes the car in for its annual service it receives updates, but the owner may not have to go for another service in some cases for 2 years. Is the owner in default if they have a claim in month 20 and updates have been issued in month 12 and not installed? Assuming of course the updates may have affected the claim. It potentially could affect home DIY on the cars as they get older, or owners who use garages that do not have access to the update registers.