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  Topic Review (Newest First)
13-03-2012 15:47
Rosbotham
Quote:
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.
13-03-2012 14:26
Traveller_HA5_3DOM 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.
13-03-2012 14:05
erneboy
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.
13-03-2012 13:29
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.

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.
13-03-2012 12:55
johnthompson I have recieved this reply from Comfort after I emailed them to check that I was indeed covered for all of the uses I have for my Motor Home.

Quote}Thread on Forum

I think that if you read the thread in its entirety you will find that this particular individual has become confused between use and storage requirements. However, the rest of the thread should clarify the situation as it stands and there are no problems with the use to which you are putting your vehicle as indicated in your email.

I trust that this information is sufficient but if you do require further clarification please do not hesitate to contact us.

Comfort Insurance
Tel: 020 8984 0777
E-Mail: [email protected]
Web: www.comfort-insurance.co.uk
Address: Comfort House, 8 Goresbrook Road, Dagenham, Essex, RM9 6UR
{End Quote}

I now feel satisfied that the use I put my Motor Home to is covered.

John
13-03-2012 11:50
duxdeluxe A basic principle of any insurance is that you always have to act as if prudently uninsured - having read through all of the above, I don't see a problem with the MHF insurance as it stands. As for parking at Heathrow, once again it depends on where you park - on a side street when away for two weeks is pushing it a bit, but in a secured airport carpark I am sure would be regarded as acceptable. Best thing Heather I suppose is to check with them and get a definitive answer
12-03-2012 22:13
peribro
Quote:
Originally Posted by ched999uk
The bit that Heather was told over the phone about parked for over 36 hrs is classed as 'storage'. I can't see any mention of 36 hrs on policy!
There is no mention of 36 hours because there is no such limit. I am not disputing what Heather was told and it might be that 36 hours is a sensible yardstick but the policy definition of storage is "Your motor caravan will be considered to be stored or in storage when it is not in use for the purposes of travel or other day-to-day activity". So it could go into "storage" after one hour (or even less); conversely you could have a valid reason connected with your travels to park it up somewhere for 48 hours.
12-03-2012 22:01
erneboy If your policy does not detail this 36 hour rule then it does not and cannot be applied to you. In effect it does not exist, Alan.
12-03-2012 21:52
ched999uk
Quote:
Originally Posted by HeatherChloe

If I leave my van at a friend's house, for example suppose I drive to theirs and have a drink and get a taxi home, then I have to pick up the van within 36 hours otherwise it is classified as In Storage, and then it becomes uninsured.
The bit that Heather was told over the phone about parked for over 36 hrs is classed as 'storage'. I can't see any mention of 36 hrs on policy!

I agree that this thread was partly started due to a misunderstanding. But it has brought a few things to light.
12-03-2012 21:46
peribro
Quote:
Originally Posted by ched999uk
Looks like the policy wording needs rewriting so everyone 'understands' the policy and we don't have to either ring the insurance company to check if it's ok to park here or there or try and guess how long we are allowed to park, 36hrs or less?
So what bit of the policy do you think needs rewriting? I have a MHF policy and previously had a Comfort one and I can't see what needs rewriting. It seems abundantly clear to me that the policy covers my van whether I be wild camping, staying on a CC site or just driving about - including driving in even the least desirable parts of London. It would be a pity if unnecessary concern is being caused because of a misunderstanding during the OP's call with her broker.
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