Insurance

Probably depends on where you live. I've not noticed(*) such a restriction on any of my policies and I'm 99.9% sure I've told them it's parked on the forecourt, our property but by the road no barrier, and not garaged.

I'm curious about the wording of that quote it seems a bit woolly when you *really* look at what it is saying.

(*)Makes mental note to go a check sometime...

Have you tried Liverpool Victoria? I found them very good. TonyB

I had all that sort of nonsence to start with, which is as much to say as if you don't put it in shrink wrap in a nuclear bunker you might as well forget it, well those insurance companies surely dare not claim they are in the insurance business so much as in the extortion one,

I eventually insured via Footman James on a classic policy with no restrictions whatever.

Me too. Been with them for two years now. I felt a bit "disloyal" switching from Direct Line right in the middle of them sorting out the problems caused by a batty woman driving into the side of me, but I saved over a 100 pounds a year.

Judith

That's odd, I didn't bother getting a quote from Footman James this year because last year the documents they sent with the quote had the following:

"The insurance will not pay for any theft or malicious damage that occurs between 10pm and 6am if the vehicle is not in a locked private garage and is parked at or near;

• The proposers home; or

• any other address where the vehicle is normally kept that has been agreed by us."

I think I'll give them a call to see if that has changed this year. I still find it very strange that I can pay nearly the same price to insure a new Jaguar, keep it on the road at night and have no such restrictions. Considering something like a wing mirror or just the paint being scratched will cost a hell of a lot more the repair than an old beat up Land Rover!

Liam

Just found this on the website for Peter Best. "Land Rovers must be garaged or parked on the drive - street parking is not permitted" Also they say they don't cover modified vehicles so there no help to me anyway.

Liam

Well I have used them before, and the only restriction is limiting property damage to £20,000 so I had better be carefull whose shed I demolish.

Perhaps because my agreed value is that high and that I have not made any claims off them in respect of the landie yet they are not worried.

I guess there are no general rules with insurance at all, it depends upon the indiviual and the vehicle, as I got all manner of BS from NFU and others.

so Larry was, like...

And don't hit a Rolls Royce or you'll be spending the rest of your life in debtors' prison. This is a hell of a restriction - most 3rd party liability insurance covers you for 1-2 million these days. Seriously, you could have an accident with any other car (or cars) on the road. How far is 20K going to go - and can you foot the rest?

Property as in hedges walls and shacks, not as in cars, there is a difference.

And anyway you can't sue a debtor can you :)

I live by the Micawber principle .. something will turn up.