stolen car no payout

Oscar_The_Grouch

Agree with Huckster on this. You need to complain. I'll post again once I've reviewed the FOS website and the Admiral policy to give you some pointers.

jamesb1239

Junkyard_Willie wrote: »

silly girl isnt giving full story, and/or has a low IQ.

Does it make you feel good about yourself abusing other posters? Does it make you feel a little less inadequate? I'm sure that your less than perfect and maybe it is you that is suffering with the low IQ, so i'll help you out a little with that, Right hand side of the screen theres a part with the title FORUM ETIQUETTE I suggest that you take a little time to read it, mainly this part ' Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.'

Oscar_The_Grouch

Twinkle,

I've had a look at the Admiral policy. The clause they are relying on is:

We will not pay where your car is taken or driven without your consent by a family member, spouse or partner.

This clause is contained under the Theft section and is also contained in the General Exceptions. The issue here is that they do not define what is meant by "family member", so they would be limited to excluding claims involving "all decendants of a common ancestor" and "a group of people related by blood or marriage" (Oxford English Dictionary). As such, you should confirm to Admiral that your "cousin" is called a "cousin" because he is a close family friend but is of no blood relation to any member of your family.

If you'd like a hand writing the complaint letter, send me a private message (click on my name and select the option). If you can let me know the date of the theft and the date of the last letter you received from them, that would be great.

Finally, please ignore people on this site who try to throw around insults. Most of us are here to help, but some people have nothing better to do than show their ignorance.

dacouch

Oscar_The_Grouch wrote: »

Twinkle,

I've had a look at the Admiral policy. The clause they are relying on is:

We will not pay where your car is taken or driven without your consent by a family member, spouse or partner.

This clause is contained under the Theft section and is also contained in the General Exceptions. The issue here is that they do not define what is meant by "family member", so they would be limited to excluding claims involving "all decendants of a common ancestor" and "a group of people related by blood or marriage" (Oxford English Dictionary). As such, you should confirm to Admiral that your "cousin" is called a "cousin" because he is a close family friend but is of no blood relation to any member of your family.

If you'd like a hand writing the complaint letter, send me a private message (click on my name and select the option). If you can let me know the date of the theft and the date of the last letter you received from them, that would be great.

Finally, please ignore people on this site who try to throw around insults. Most of us are here to help, but some people have nothing better to do than show their ignorance.

Thi arguement will not work if you are from Norfolk...

adouglasmhor

Do Admiral not also have a clause about keeping your keys safe? Left in an unlocked drawer may fail to meet this condition if they do.

dacouch

adouglasmhor wrote: »

Do Admiral not also have a clause about keeping your keys safe? Left in an unlocked drawer may fail to meet this condition if they do.

Keeping your keys in a draw in your own house could not be seen as being reckless, where do you propose people keep their keys in their own house?

gordikin

dacouch wrote: »

Keeping your keys in a draw in your own house could not be seen as being reckless, where do you propose people keep their keys in their own house?

..in a drawer perhaps? :rotfl:lol

flea72

i think the problem is, the OP has referred to this person as a cousin to their insurer, and this is where the main confusion is arising from - the insurer has just took them at their word, and not thought that its not a true relative

although i may refer to my friends' mums as 'auntie', in formal circumstances, i would refer to them by their proper title - so the next question is, why do you refer to them as your cousin? as tbh 'cousin' is a bit of an odd pet name to give someone. Brother, sister, auntie or uncle yes, but cousin?

F

pastra

The wording is very open in the exclusions and family isn't in the definitions. It may be possible to argue that your definition of a family member doesn't extend beyond people who do not reside at the same address as you.

huckster

The definition of family applied by Motor Insurers is generally those related to the polcyholder and would include foster children and those adopted. It is basically the family you let into your home and allow them the freedom to live there as if they were your immediate family.

In the OP's case the person who stole the car is not related in any way, so the FOS should rule in their favour if they complained. I suppose it would depend on the statements of the Police and other details.