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General Chat (Vincent Related)
Insurance. Read the small print.
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<blockquote data-quote="BigEd" data-source="post: 126380" data-attributes="member: 161"><p>My bike insurance comes up for renewal in September. I was looking at last years documents for the cost last time. I noticed a few things that I hadn't seen before. (The "small print" was actually not so small <strong><u>I</u></strong> just hadn't bothered to read it properly!) </p><p></p><p>Named Insured Persons section. One of the stipulations states:</p><ul> <li data-xf-list-type="ul">The vehicle must <strong><u>not</u></strong> be available for the regular use by you or a named insured person.</li> </ul><p>Limitations of Use section.</p><ul> <li data-xf-list-type="ul">Vehicles insured by this program <u>will be operated on a limited basis consistent with the operation of a classic vehicle</u>. All drivers of the vehicles insured by this policy will also own a regular use vehicle that is used for <u>normal everyday driving to and from work or school and general transportation</u>. Coverage is dependent on compliance with these conditions.</li> </ul><p>I do own other vehicles and have stated an annual mileage. My Rapide is my vehicle of choice and I ride it often for general transportation. Not wishing to be too cynical, I wonder how the bits I've highlighted in the bulleted points might be interpreted in a disputed claim.</p><p></p><p>The above comes from a policy with Hagerty. Other insurers may have similar stipulations so I'm not getting at Hagerty and may or may not insure with them again. I will, however, be looking at the "small print" when I am comparing quotes.</p></blockquote><p></p>
[QUOTE="BigEd, post: 126380, member: 161"] My bike insurance comes up for renewal in September. I was looking at last years documents for the cost last time. I noticed a few things that I hadn't seen before. (The "small print" was actually not so small [B][U]I[/U][/B] just hadn't bothered to read it properly!) Named Insured Persons section. One of the stipulations states: [LIST] [*]The vehicle must [B][U]not[/U][/B] be available for the regular use by you or a named insured person. [/LIST] Limitations of Use section. [LIST] [*]Vehicles insured by this program [U]will be operated on a limited basis consistent with the operation of a classic vehicle[/U]. All drivers of the vehicles insured by this policy will also own a regular use vehicle that is used for [U]normal everyday driving to and from work or school and general transportation[/U]. Coverage is dependent on compliance with these conditions. [/LIST] I do own other vehicles and have stated an annual mileage. My Rapide is my vehicle of choice and I ride it often for general transportation. Not wishing to be too cynical, I wonder how the bits I've highlighted in the bulleted points might be interpreted in a disputed claim. The above comes from a policy with Hagerty. Other insurers may have similar stipulations so I'm not getting at Hagerty and may or may not insure with them again. I will, however, be looking at the "small print" when I am comparing quotes. [/QUOTE]
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Insurance. Read the small print.
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