Insurance Refusing to settle

unholyangel

SHAFT wrote: »

Do you have a source for that in relation to vehicle insurance and the question about loss when applying for a policy?

Are you being serious?

SHAFT

unholyangel wrote: »

Are you being serious?

Yes I am.......

unholyangel

SHAFT wrote: »

Yes I am.......

That the loss has to be one that can attributed a value, not necessarily money? Just want to make sure I understand your question right.

How about every single motorvehicle insurance claim ever? A motorvehicle is not money. However, it is something of value.

ETA: search for "quantifiable loss".

SHAFT

unholyangel wrote: »

That the loss has to be one that can attributed a value, not necessarily money? Just want to make sure I understand your question right.

How about every single motorvehicle insurance claim ever? A motorvehicle is not money. However, it is something of value.

ETA: search for "quantifiable loss".

In this case there was no claim.

unholyangel

SHAFT wrote: »

In this case there was no claim.

No but you asked for a source to back it up from an insurance perspective. My response was that every single insurance claim has been of the case where the loss was not money, but something of value.

SHAFT

unholyangel wrote: »

No but you asked for a source to back it up from an insurance perspective. My response was that every single insurance claim has been of the case where the loss was not money, but something of value.

So again its just your opinion that it would be counted as a loss.

unholyangel

SHAFT wrote: »

So again its just your opinion that it would be counted as a loss.

If by "just your opinion" you mean the fundamental basis of any damages claim in tort or breach of contract (and civil law as a whole tbh), then sure.

Are you trying to suppose that when they say loss, they mean you misplaced the vehicle?

SHAFT

unholyangel wrote: »

If by "just your opinion" you mean the fundamental basis of any damages claim in tort or breach of contract (and civil law as a whole tbh), then sure.

Are you trying to suppose that when they say loss, they mean you misplaced the vehicle?

So in this case where is the damage claim?

dacouch

unholyangel wrote: »

You are usually only covered for other cars on fully comp if:
1) The vehicle isn't owned by a spouse/family member that lives with you
2) That its a one-off event, there's no regularity to it
3) That you have permission of the owner


If any of those fails then they'd need to be a named driver on your policy or insure the vehicle in their own name to cover their use.

1) Some not all Insurers exclude vehicles owned by spouse / family member living with you
2) I have never seen an Insurer with such a stipulation
3) Correct

There are plenty of Insurers that include Driving Other Cars on TPF&T cover

unholyangel

SHAFT wrote: »

So in this case where is the damage claim?

So if someone damaged your car, you wouldn't consider that you had suffered a loss? Interesting.

dacouch wrote: »

1) Some not all Insurers exclude vehicles owned by spouse / family member living with you
2) I have never seen an Insurer with such a stipulation
3) Correct

There are plenty of Insurers that include Driving Other Cars on TPF&T cover

Hence the "usually" part of my post.

As for having never seen an insurer with such a stipulation as 2, have a search. A few decades ago it wouldn't have been common but since then they've became increasingly common.