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post #71 of 74 (permalink) Old 13-03-2012, 13:29
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Most policies and contracts of insurance are based on the information supplied when the contract is made between the two parties; the insurance company and you.

If for any reason the information that you supplied at that time changes you should inform your insurance company of this and they may make a decision on what effect that would make to the continuation of the cover at the price you paid. In other words you have given them an excuse to review your contract.

If you choose not to tell them then whilst they will not be able to withdraw the legal third party cover they will almost certainly try to wriggle on the rest of it.

As to if a legal challenge would succeed in extracting blood from this quite wealthy stone depends on your nerve and depth of you pockets.

It would seem to hinge on the question "Where is the vehicle normally stored" To use the test of what a 'reasonable man' would consider to be Normally Stored is a useful but hardly a definitive test. Normality is usually considered to be the usual state of affairs where as temporary variation from it is just that and as such is not the Normal.
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post #72 of 74 (permalink) Old 13-03-2012, 14:05
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Quote:
Originally Posted by Traveller_HA5_3DOM
Most policies and contracts of insurance are based on the information supplied when the contract is made between the two parties; the insurance company and you.
Of course they are and if you fit within the parameters an Insurer is willing to cover you are then offered a standard policy. If not they may decline to quote or apply terms to your policy.

In an insurance dispute, or any other dispute for that matter, the law should be regarded a last resort. First discuss any issue with the company and if that does not result in a resolution you can then refer it to the ombudsman, Alan.
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post #73 of 74 (permalink) Old 13-03-2012, 14:26
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Erneboy: Did not mean to suggest the legal route before other options but merely emphasise the easy trap to fall into when you vary the conditions in which your contract exsists.

Some have suggested phone calls to agents or Insurance companies. I personally would never consider a phone call on a matter of cover.

If you are unsure of what the terminology of your policy document is meaning in relation to the use you put the vehicle to then write to them and do not include a telephone number in your letter.

For instance if you think you need an explanation of Normally Stored they will no doubt ask their underwriters and should be able to write to you with a reply. At this point you can then decide if you need to inform them that you are outside that criteria.
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post #74 of 74 (permalink) Old 13-03-2012, 15:47
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Originally Posted by Traveller_HA5_3DOM
For instance if you think you need an explanation of Normally Stored they will no doubt ask their underwriters and should be able to write to you with a reply. At this point you can then decide if you need to inform them that you are outside that criteria.
Funnily enough Comfort are sensible about that in reverse, too. My motorhome's usually in a secure compound, but a couple of years ago it was snowed in on my drive. So I rang them and they confirmed it was a variation on the policy, which obviously they allowed on a goodwill basis, but insisted I formalise the situation by email both at the point of notification and when I could eventually move the van.

I have it in the back of my mind the "leaving for more than X hours = storage" is something that's come up with Comfort in the past, in that they were unwilling to provide coverage when a van was left at an overseas airport. At least they're upfront about it when asked.
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