Beware! Hidden excess @ 1st Central car insurance - is this even legal?

forgotmyname

born_again said:

You would be paying for it & had it fitted.

Most ins polices ask if you have factory fitted security or other devices.

Not that simple though because many cars have Thatcham 1 or 2 security as standard from the factory.  Some insurers word the
question to cause grey areas.  Sometimes the options are Factory Fitted or Factory Fitted Thatcham 1 or 2, many will just say
it's got 4 wheels and it's blue and not have a clue on the cars spec and security level.

DullGreyGuy

Marvel1 said:

Endoorment 3 is worrying, how would I/you know if the vehicle  has a Thatcham 1 or 2 immobolising device - I thought it was factory standard - maybe best ticking no when asked when taking out the policy?

Endorsement 3 will only be applied if you inform them that you have a Thatcham approved device fitted. It's likely that you've received a discount for declaring you have such a device fitted so not unreasonable to be expected to use it in return. 

Marvel1

Marvel1 said:

born_again said:

Marvel1 said:

Endoorment 3 is worrying, how would I/you know if the vehicle  has a Thatcham 1 or 2 immobolising device - I thought it was factory standard - maybe best ticking no when asked when taking out the policy?

You would be paying for it & had it fitted.

Most ins polices ask if you have factory fitted security or other devices.

Thank you, best saying no then if second hand as unsure.

Sorry to hijack the whole post.

Insurance renewal came through, £70 cheaper than last year 

Did a quote saying no to any security fitted and down another £20 

kutnarga

Thanks for everyone's comments, Indeed the schedule does show endorsements, but you only get that paperwork after you have taken out and paid for the policy.
Unfortunately Yes it is a high target vehicle, But surely thats why the insurance premium reflects that?
For those wondering, a Deer ran out in front of me, whilst there i believe it was unhurt as it ran off into the bush, it set off my pedestrian safety system, which is an expensive repair.

DullGreyGuy

kutnarga said:

Unfortunately Yes it is a high target vehicle, But surely thats why the insurance premium reflects that?
For those wondering, a Deer ran out in front of me, whilst there i believe it was unhurt as it ran off into the bush, it set off my pedestrian safety system, which is an expensive repair.

Insurers use both premiums and excess to control claims costs; that said premiums are normally used to deal with high value claims and excesses to remove liability for minor fender benders where claims handling costs are disproportionately high. 

Unfortunately deers, and most animals, will typically run off as much as is practically possible even if significantly injured. Have dealt with two Exmoor Ponies that our policyholders' had hit, both reported they thought the animal was fine as it had run off, unfortunately the vet bills we got afterwards showed that they weren't.