Car stolen by son - advised not covered

starrystarry

gravitytolls wrote: »

Has he been arrested and charged? This could make the world of difference to 'intention'. If he hasn't, why not? He must face the consequences of his actions.

The original post confirmed he's been to court and been punished.

amandar74

The insurer is Swinton / Premier. The man from the insurance company referred to and gave me the clause as stated above, that is word for word as it reads in the policy booklet.

starrystarry

amandar74 wrote: »

The insurer is Swinton / Premier. The man from the insurance company referred to and gave me the clause as stated above, that is word for word as it reads in the policy booklet.

Dear oh dear (puts head in hands).

vaio

The clause as stated looks to be unenforceable in the circumstances so I can’t see why you wouldn’t get paid out.

I thought more common was a clause which removes theft cover if the car is stolen by a member of your family. If such a clause is there then you are going to struggle to get round it

themull1

antrobus wrote: »

The exclusion clause states;



Is there any evidence that you son intentionally crashed the car?



Is there any evidence that you gave any permission or encouraged your son to damage the car?

As the man said;



Therefore you need to explain to the insurance company (or argue if you like) that the exclusion clause does not apply.

I'm a laydee.!!

Sally_A

Right, I'm gonna get well bolleauxed here by the PC parade.

Your son should have known darn well he could not drive the car.
He commited theft by taking it.
Your insurers would have had to pay out any TP damages, which could amount to £millions.

Why are you more disappointed at your insurers, than your son???

I can see no way you will get the payment, the keys were not taken by break-in, force or hijack.

Only the best part of 52 years to pay back £27k at £10 per week @ 0% interest. A valuable lesson to all.

amandar74

Sally_A wrote: »

Right, I'm gonna get well bolleauxed here by the PC parade.

Your son should have known darn well he could not drive the car.
He commited theft by taking it.
Your insurers would have had to pay out any TP damages, which could amount to £millions.

Why are you more disappointed at your insurers, than your son???

I can see no way you will get the payment, the keys were not taken by break-in, force or hijack.

Only the best part of 52 years to pay back £27k at £10 per week @ 0% interest. A valuable lesson to all.

I am not more dissapointed with the insurance company than my son I am just looking for advise on the insurance matter, which is why I posted on the insurance forum. My son is being dealt with as he should and as any other victim of a crime when I have paid my insurance premium to cover theft I expect to be paid out if I suffer a loss.

Quote

I might have missed this, but when did it happen?

ILW

It is not quite theft when the keys are left available for the thief to pick up at will.

amandar74

ILW wrote: »

It is not quite theft when the keys are left available for the thief to pick up at will.

My Son was charged with Aggravated vehicle taking