Insewerance Bastards (Again)

External Since: Feb 15, 2005 Posts: 336

I was chatting with my sister this evening, and she's made a somewhat
worrying discovery. She's been borrowing a car for a few days, driving
it on the "car not owned by you..." bit of her (Direct Line) policy.

She needed to use it for work, and rang Direct Line to check that she'd
be covered (expecting them to say "not for work").

It turns out that she's not covered *at all*.

Direct Line say that in the small print of the policy booklet it says
such cover only operates "in an emergency". They're right, it does, in
the explanatory notes.

Their definition of "an emergency" is (apparently) such things as moving
the vehicle after an accident. You're definitely (according to them)
*not* covered for a "my car's broken, can I borrow yours?" type event.

That's surprised me quite a bit, and it seems I've (unknowingly) done
quite a few un-insured miles in the last few years.

Time to change insewerance companies, I think. Unless, of course,
they're all the same...

I think I'll be checking the fine print on the bike policy too.

--
Wicked Uncle Nigel - Manufacturer of the "Champion-105" range of rearsets

WS* GHPOTHUF#24 APOSTLE#14 DLC#1 COFF#20 BOTAFOT#150 HYPO#0(KoTL) IbW#41
ZZR1100, Enfield 500 Curry House Racer "The Basmati Rice Burner",
Honda GL1000K2 (On its hols) Kawasaki ZN1300 Voyager "Oh, Oh, It's so big"

External Since: Oct 28, 2004 Posts: 5873

In article <l5tWuY38JMQCJwMH DeleteThis @rcav8r.demon.co.uk>, Wicked Uncle Nigel
says...
> I was chatting with my sister this evening, and she's made a somewhat
> worrying discovery. She's been borrowing a car for a few days, driving
> it on the "car not owned by you..." bit of her (Direct Line) policy.

I recently confirmed that I had TPO cover while driving herself's motor,
and she on mine (she's also with DL) and they said a hearty "yes, you
are."

But they are utter, unmitigated cunts. They stitched herself up over an
accident she had, where the other party was at fault, yet they called it
50/50 because the other party was also a DL customer, so it makes good
economic sense for them to knacker 2 sets of NCB.

As soon as I'm able to afford to go elsewhere I shall. Sadly, despite
their shit service (or, more likely, because of), they're the cheapest
for me (and her) by quite a margin.
--
Bear