car stolen from repair garage

newfoundglory

My Aviva policy says under exclusions:

(several exclusions listed)

We will not withdraw this cover,
i. While your car is in the custody or control of;
a member of the motor trade for the purposes of maintenance or repair, or

(other exceptions to exclusions are listed)

MILLYMOLLY

davidjwest wrote: »

Slightly off topic but did anyone report this to the Police? In which case who reported it and what did they say?

Yes it was reported by the garage after my son went to pick it up, they gave him a crime no and spoke to the owner

pitkin2020

thats good the garage reported it to the police as it was in their possesion, thats a positive!

colino

Is this a high value car? With the huge excesses levied plus public embarassment and potential negative affect on business, I'm surprised the dopey garage didn't try to keep it away from insurance/police.

Sally_A

Hello!!! specialist motor trade broker here :wave::wave:

Most Motor Trade policies will exclude theft of vehicles with keys, unless violence or force is used, a few may consider deception but will probably turn it down.

The only policy (that I know of) that states how they will deal is Allianz on their Select or Headlight (for RMIF members) Select contract, ie a co-insurance of 35%, so a £10,000 car would have a £3500 excess, or whatever the policy excess is - the greater would apply. All reasonable care would still apply to the insurance settlement.

All policies have the "duty of reasonable care".

Just because it is not insured by the garage, does not mean they are not liable - please read up on Bailees duty of care, or Bailment. This could give you the edge - also if you have legal expenses built in to your car insurance, give them a call to see where you stand.

MILLYMOLLY

*Update*
Apparantly the garage has had the forms from our insurance co. but not his own and he states he's filled them in and sent them back.

It's a 3year old Astra

MILLYMOLLY

Sally_A wrote: »

Hello!!! specialist motor trade broker here :wave::wave:

All policies have the "duty of reasonable care".

Just because it is not insured by the garage, does not mean they are not liable - please read up on Bailees duty of care, or Bailment. This could give you the edge - also if you have legal expenses built in to your car insurance, give them a call to see where you stand.

Thanks will read up on this and check if we have legal cover

vax2002

Is the car still missing ?

MILLYMOLLY

vax2002 wrote: »

Is the car still missing ?

Yes not heard a thing since from the police

mackemdave

The telephone interview is normal..I had my car stolen off the drive way a few weeks ago....Burgled the house to find the keys...and the insurance co (Churchill) arranged for telephone interview.They then contact the police and see if the stories match

Churchill paid out on the claim quite quickly,about 3 weeks,after it was stolen.They will probably arrange for a loss adjuster to visit you to get more details of the car so that they can evaluate the pay out