A cautionary tale about Highway (robbery) Insurance underwriters

[White16valver]

http://www.mazdarotaryclub.com/forums/showthread.php?t=28074&page=1

This is the reason I won't use Adrian Flux!

 

[TheCake]

I've just had to insure the striker with them.

 

[S77CCP]

No offence to the guy but his policy said no racing and he took the car to Santa Pod, if you break the terms of your agreement the insurance bods are entitled not to pay out.

 

[Djw John]

norfolkminis had huge problems with them as well-cowboy outfit by the sound of it

 

[Ross M]

yeah upon reading that i would have to agree he shouldnt have been payed out ... BUT the way they went about that was outrageous !
also i dont believe all the details are there ... tbh it would need more looking into.
also if the car costs so much why isnt he fighting it ?! somethings not right

(im a claims advisor lol ... home insurance tho so dnt shoot me)

 

[Djw John]

Read it all guys!!

He is fighting it and rightly so!

Pacey, it happened next to the M25 which last time I checked isnt an official raceway therefore he wa snot racing. I beleive he was pulling into a layby meeting otehr rex owners.

Dodgy dodgy company, I'll be sure to avoid them!

 

[smillie]

is highway part of Adrian Flux then?

 

[Griff]

I've said for years on this forum that Adrian flux are cowboys.

Insured my R5 GTT with them years ago and they were completely useless losing my details, insuring the wrong car initially and sounded like it was being run from some cafe by the noise in the background.

 

[Ross M]

first off mechanical failure is not covered ... althought im led to believe for fire they should cover the rest of the car apart from the part that was the cause.
also he lied and changed his story ... thats something u cant get out of no matter what as everything u say when u call the insurance is recorded by both being noted down and recorded for playback.

HOWEVER - i am in no way defended the insurance company as i do believe they should pay out as he has fully insured his car, declaring everything (if he is telling the truth) and thats all he can be expected to do. if he fights it he'll get it. end of !

oh and adrian flux are total shite !!!!

 

[Lam7r]

No offence to the guy but his policy said no racing and he took the car to Santa Pod, if you break the terms of your agreement the insurance bods are entitled not to pay out.

He didnt break anything tho regarding the no racing...Insurers dont cover you to race, fair enough but they HAVE to cover you to and from the race track providing your car is roadworthy. Going by what your saying everyone that does a trackday has to inform their insurance company saying they race the car? When it says no racing etc it means they wont pay out for any damage occuring while you are racing etc

If i am wrong i stand corrected however if i am wrong then an awful lot of people have insurance worth nothing if they are going to refuse to pay out as a few weeks previous they have found out you did a couple of laps of oulton park.

 

[Ross M]

^ technically they can get away with not covering you as you havent kept to the terms and conditions of having/giving the policy which state no racing ...

 

[Djw John]

Seriously? But then again a good point raised is the fact that without a race licence from the MSA you've never raced! Fight technicalty with technicalty!!

 

[cliokiz]

*Gulp*

Here's hoping i don't have to make a claim with Adrian Flux before my policy is up. I seriously doubt i'm going to renew my policy with them next year.

They've been alright so far but i haven't claimed with them. No doubt they'd find something on my car i didn't declare, like a sticker or something..

 

[Ross M]

first off mechanical failure is not covered ... althought im led to believe for fire they should cover the rest of the car apart from the part that was the cause.

going to correct myself .... ANY loss or damage caused by mechanical or electrical failure is NOT covered.

and back to the terms and conditions - itl state that 'fraud - if you or anyone on your behalf misrepresents or deliberately fails to disclose material facts at any time during the term of the policy and at inception that would have an impact on the terms and conditions will result in the cancelling and/or voiding of your policy'

so basically this is why that guy wasnt covered (both statements)

 

[White16valver]

Seriously? But then again a good point raised is the fact that without a race licence from the MSA you've never raced! Fight technicalty with technicalty!!

I like your style lol

 

[White16valver]

*Gulp*

Here's hoping i don't have to make a claim with Adrian Flux before my policy is up. I seriously doubt i'm going to renew my policy with them next year.

They've been alright so far but i haven't claimed with them. No doubt they'd find something on my car i didn't declare, like a sticker or something..

I told them EVERYTHING when I was with them 'cos I didn't trust them, even down to having white dials, different badges, etc...

 

[Djw John]

So what about 3rd party fire and theft? What does the fire bit cover? Vabdalism and spontaneous combustion only?!

 

[McBunny]

when it says no racing it mean that they wont cover you if you crash there not that if you do a bit of drag racing then a month later sat at home your car goes up in smoke because of a fault or you then crash going to the shops they wont cover you

 

[Ross M]

yeah john i believe so because the sole purpose of that insurance is to cover the 3RD PARTY in case of an accident and not yourself which is why its the minimum legal requirement (now that 3rd party only is going).

and mcbunny - if youve not informed the insurance comany your doing this and they find out then your violating your terms and conditions so they dont need to cover you because the racing can cause or speed up the process of mechanical/electrical failure or wear and tear therefore they can get out of it that way. but they would only find out if they dig hard.

 

[Djw John]

ffs no wonder so many people dont bother, seems like bugger all point paying it! Guess thats why you never see an insurance company struggling!

 

[Ross M]

yup ^ but the point in insurance is to cover an incident of damage. any sort of mechanical/electrical breakdown is the responsibilty of a warranty/extended warranty or maintenance contract and not the insurance.

therefore if your car went on fire due to a mechanical fault and you have a warranty then the warranty would cover it but if the warranty has run out and there is no extended warranty then its your own responsibility.

 

[White16valver]

and mcbunny - if youve not informed the insurance comany your doing this and they find out then your violating your terms and conditions so they dont need to cover you because the racing can cause or speed up the process of mechanical/electrical failure or wear and tear therefore they can get out of it that way. but they would only find out if they dig hard.

But you said earlier that they won't cover mechanical wear and tear, so they wouldn't have to pay out anyway?

lol

 

[White16valver]

It still seems very wrong to me that they won't pay out for an unintentional fire.

I mean, if you came down to your car in the morning and found it a burnt out shell, and the fire brigade said it was some sort of electrical fault, how the hell were you supposed to know it had one?

 

[Ross M]

But you said earlier that they won't cover mechanical wear and tear, so they wouldn't have to pay out anyway?

lol

yeah but if your lieing to them then theyll just say no we wont cover you. i dont think i explained that to well. lol.

 

[Ross M]

It still seems very wrong to me that they won't pay out for an unintentional fire.

I mean, if you came down to your car in the morning and found it a burnt out shell, and the fire brigade said it was some sort of electrical fault, how the hell were you supposed to know it had one?

i dont know lol. all i know is if thats found to be the case then the warranty would cover it if there is one.

 

[Djw John]

What if everyone crashed into the insurance company buildings and then the cars went on fire, what would happen then?!

 

[Ross M]

lol its a crash so youll get payed out ... aslong as u dont admit it was deliberate.

 

[White16valver]

i dont know lol. all i know is if thats found to be the case then the warranty would cover it if there is one.

Nice.

So you lose your entire car if you're unlucky enough to be poor and unable to afford a 'new' car...

What would be the case if they couldn't discover a cause??

 

[Djw John]

lol its a crash so youll get payed out ... aslong as u dont admit it was deliberate.

hmmmmmmmmmmmm :evil: :evil:

 

[Djw John]

Nice.

So you lose your entire car if you're unlucky enough to be poor and unable to afford a 'new' car...

What would be the case if they couldn't discover a cause??

I guess you must get a payout in that case

 

[Ross M]

yeah if no cause could be discovered im unsure.

 

[McBunny]

hippy gort a payout after her car just went up in flames in a carpark once renault admitted it was a manufacturing fault

 

[TheCake]

How did hippychick claim when her red 172 combusted in a petrol station?

{You stalking my brain McBunny!}

 

[Ross M]

maybe her insurance company paid out but recovered the costs from renault seeing as they admitted liability for it ?!
otherwise you would have to ask her insurance company why.

 

[McBunny]

How did hippychick claim when her red 172 combusted in a petrol station?

{You stalking my brain McBunny!}

it was black and in staples car park

 

[McBunny]

just read my direct line cover and it doesnt mention about fire caused me failure

 

[Liverpool_Nick]

Sounds about right. Claims investigators will to strange lengths to ensure that nothing is missing. They have targets to meet as well not just the sales and service departments. But if this person feels they have been treated unfairly, i tell everyone this i know but, the FSA will take the information and give a decision on whether or not Highway should have paid out.

 

[Ross M]

They have targets to meet as well not just the sales and service departments.

ehhhhh .... deffinetly dont

 

[Liverpool_Nick]

Really, so there is no turn around time? I'm guessing you don't work for the same insurer? Thought not

 

[Ross M]

i work for many companies ... yes theres time scales etc but theres no targets such as fail so many claims a week (for example) which is what i thought u were meaning ??