Car Insurance during Covid restrictions/guidelines.

[Jim44]

I was told that police were stopping drivers at Soutra today, asking people where they were going and adding that they should check the small print on their insurance policies as they could be invalidated if there was a clause stating that they shouldn't be driving if travel guidelines are in place.

[Killiehibbie]

I was told that police were stopping drivers at Soutra today, asking people where they were going and adding that they should check the small print on their insurance policies as they could be invalidated if there was a clause stating that they shouldn't be driving if travel guidelines are in place.

Does that mean the driver gets 6 points?

[Future17]

Does that mean the driver gets 6 points?

The police wouldn't know what each individual's policy terms were

[Killiehibbie]

The police wouldn't know what each individual's policy terms were

Sounds like a scare tactic.

[calumhibee1]

Would make sense. We all know insurance policies will try every get out possible.

[Killiehibbie]

https://www.taxi-point.co.uk/post/your-car-insurance-could-be-invalid-if-you-choose-to-drive-non-essential-journeys-warns-expert

[Future17]

Sounds like a scare tactic.

Possibly and I'm not against that in these circumstances to be honest.

On the other hand, if it's true, it's helpful advice.

[Killiehibbie]

Possibly and I'm not against that in these circumstances to be honest.

On the other hand, if it's true, it's helpful advice.

They must have better things to do than waste time giving out false advice.

[Future17]

They must have better things to do than waste time giving out false advice.

It doesn't sound like they were stopping them specifically for that purpose and it doesn't take long to say "check your insurance".

[Killiehibbie]

It doesn't sound like they were stopping them specifically for that purpose and it doesn't take long to say "check your insurance".

It doesn't sound like they would be within their rights to even mention it.
How many pages of small print does the average insurance policy have?

[Future17]

It doesn't sound like they would be within their rights to even mention it.
How many pages of small print does the average insurance policy have?

No idea. Why wouldn't they be within their rights to mention it?

[Killiehibbie]

No idea. Why wouldn't they be within their rights to mention it?

Because it's not true

[Bostonhibby]

Because it's not trueAgreed, worked directly for and indirectly with the industry for decades, the clause referred to has never existed.

A contact at a very large motor insurer says they haven't made any changes because of Covid except to give some rebates where people drive less miles thereby reducing the chance of an accident.

You never know, but making the change doesn't just happen, to be effective they'd have to write to every single customer with a notice of change and explaining what it means if it isn't already in the contract.

Pretty expensive and time consuming to do, and why start 8 months into the pandemic?

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[Just Alf]

Agreed, worked directly for and indirectly with the industry for decades, the clause referred to has never existed.

A contact at a very large motor insurer says they haven't made any changes because of Covid except to give some rebates where people drive less miles thereby reducing the chance of an accident.

You never know, but making the change doesn't just happen, to be effective they'd have to write to every single customer with a notice of change and explaining what it means if it isn't already in the contract.

Pretty expensive and time consuming to do, and why start 8 months into the pandemic?

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I agree that they won't change anything, I wonder though if it's some sort of interpretation of the "war, natural disaster, act of God, terrorist" clause that you see sometimes? ... it sounds like one of these things that's based on a grain of truth that then grows arms and legs?

[Bostonhibby]

I agree that they won't change anything, I wonder though if it's some sort of interpretation of the "war, natural disaster, act of God, terrorist" clause that you see sometimes? ... it sounds like one of these things that's based on a grain of truth that then grows arms and legs?

It's a big generalisation but most "acts of god" are in fact insured against, storm, flood,fire etc.

I've looked forward to seeing, but never seen, the litigation challenging a true act of god defence since it presumes the defendant can prove god exists[emoji6]

I'm an atheist!

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[Just Alf]

It's a big generalisation but most "acts of god" are in fact insured against, storm, flood, fire etc.

I've looked forward to seeing, but never seen, the litigation challenging a true act of god defence since it presumes the defendant can prove god exists[emoji6]

I'm an atheist!

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:greengrin

[Future17]

Because it's not true

It's not true that people should check the small print on their insurance policies?

[blackpoolhibs]

My car insurance has come down £165 with the same company (Hastings). Although they wanted to charge me £225 more if I just carried on with another year with them. I called them up to cancel, and they matched the quote I had from another company. 😁

[Killiehibbie]

It's not true that people should check the small print on their insurance policies?

If they do they will find that clause is not there.

[Future17]

If they do they will find that clause is not there.

Which I would imagine will be reassuring. :greengrin