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BTTD
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PostPosted: 07:48 - 13 Oct 2017    Post subject: Re: ANPR - Information Reply with quote

Triton Thrasher wrote:
One sort of logic would say just get passenger cover.


Insurance logic:
Admin fee £30 + premium uplift £2 = round up to £95.
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M.C
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PostPosted: 01:05 - 14 Oct 2017    Post subject: Reply with quote

stinkwheel wrote:
M.C wrote:

It's strange how the police seem to take an interest in insurance particulars, surely if you have a policy in place that's all that matters, whether you're commuting or delivering cakes shouldn't matter.


It's a fallback for when they've stopped you because you are flagrantly in posession of a face they do not like the look of and have failed to find anything you've actually done wrong. They just start making shit up to justify their existance. Out of the same box as giving you a producer when all pertinant data is on the PNC.

Most people will pay the fixed penalty because the potential actual penalty for no insurance is very high.

I think they actually seize the vehicle in that situation as they consider it to be uninsured, but I see we've done this before Smile
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suburban myth
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PostPosted: 08:43 - 14 Oct 2017    Post subject: Re: ANPR - Information Reply with quote

Triton Thrasher wrote:
Mrjoolz wrote:
Quick Question;

If I am riding with pillion and my insurance doesnt have pillion cover, will ANPR highlight this if I get seen by ANPR Camera ?


One sort of logic would say just get passenger cover.


When I was checking gocompare a few years ago for my old '50, the cheapest quote with pillion cover was cheaper than without. Never carried a soul on the back (because would be stupid) but I saved about 12% in the end.
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Qyburn
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PostPosted: 11:03 - 15 Oct 2017    Post subject: Reply with quote

M.C wrote:
It's strange how the police seem to take an interest in insurance particulars, surely if you have a policy in place that's all that matters, whether you're commuting or delivering cakes shouldn't matter.

Insurance covers the vehicle and it's use. Look at your own certificate, mine gives details of the bike, people insured to ride it, limitation on use, exclusions. If your use of the bike is outside those terms then you're not insured. The insurer may still be obliged to pay out a third party term, but none the less you would be committing the offence.
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M.C
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PostPosted: 14:22 - 15 Oct 2017    Post subject: Reply with quote

Qyburn wrote:
M.C wrote:
It's strange how the police seem to take an interest in insurance particulars, surely if you have a policy in place that's all that matters, whether you're commuting or delivering cakes shouldn't matter.

Insurance covers the vehicle and it's use. Look at your own certificate, mine gives details of the bike, people insured to ride it, limitation on use, exclusions. If your use of the bike is outside those terms then you're not insured. The insurer may still be obliged to pay out a third party term, but none the less you would be committing the offence.

So if the vehicle's meant to be garaged but you park it on the street one night, can they seize it?
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Qyburn
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PostPosted: 15:06 - 15 Oct 2017    Post subject: Reply with quote

M.C wrote:
So if the vehicle's meant to be garaged but you park it on the street one night, can they seize it?

Does it state that limitation on your certificate? If so I wouldn't like to put it to the test. I don't quite understand why you have a problem with this concept - you take out insurance, tell the broker you don't need cover under certain circumstance, but you seem surprised that you might not then receive cover under the circumstances you asked them to exclude.

Having said that I'm sure garaged or not is really to do with cover for theft or damage so I'd be surprised if it was stated on the certificate, I think it would probably only be followed up in the event of a claim.

Anyway thinking about commuting or business exclusions, people have definitely been prosecuted under those. My guess from what I've seen reported informally is that the Police data base includes that information when they check a vehicle. Pillion cover maybe not as that's specific to bikes and therefore very much a minority.
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duhawkz
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PostPosted: 17:49 - 15 Oct 2017    Post subject: Reply with quote

M.C wrote:

So if the vehicle's meant to be garaged but you park it on the street one night, can they seize it?


No as it still has third party cover in force which is the minimum cover requiredto gave it on the road, but if it was stolen then expect a big fat Middle Finger Laughing From your insurance when you try to claim
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Rogerborg
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PostPosted: 18:22 - 15 Oct 2017    Post subject: Reply with quote

duhawkz wrote:
M.C wrote:
So if the vehicle's meant to be garaged but you park it on the street one night, can they seize it?

No as it still has third party cover in force

Does it?

The crux of the matter is insurers claiming that they can void policies on a whim, and the 5-0 agreeing.

Is that a "use"? Or more to the point, might an insurer claim that it is?
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M.C
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PostPosted: 18:40 - 15 Oct 2017    Post subject: Reply with quote

Qyburn wrote:
M.C wrote:
So if the vehicle's meant to be garaged but you park it on the street one night, can they seize it?

Does it state that limitation on your certificate?

It does.

Qyburn wrote:
I don't quite understand why you have a problem with this concept - you take out insurance, tell the broker you don't need cover under certain circumstance, but you seem surprised that you might not then receive cover under the circumstances you asked them to exclude.

My problem's the police getting involved. When claims are refused for something being mis/undeclared, are the police then contacted and are you retrospectively prosecuted for not having had insurance?

Qyburn wrote:
Having said that I'm sure garaged or not is really to do with cover for theft or damage so I'd be surprised if it was stated on the certificate, I think it would probably only be followed up in the event of a claim.

As it would for commuting etc., I'm fairly certain I was asked where I was going during a claim (I was on my way to work), had I not had commuting 'cover' it probably would have been an issue.

Qyburn wrote:
My guess from what I've seen reported informally is that the Police data base includes that information when they check a vehicle. Pillion cover maybe not as that's specific to bikes and therefore very much a minority.

I'm not sure, I've been asked by a copper (when stopped) if I was heading to work, the work jacket might have given that away, but they seem to need to check directly with the insurer to make sure (if you even have a policy).
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Old Thread Alert!

The last post was made 6 years, 166 days ago. Instead of replying here, would creating a new thread be more useful?
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