Chat & Social > The Bar - General Chat
agreed value insurance
lambert:
the only risk of higher claims from driving a byway comes if those claiming can't accept responsibility for their own actions. i.e. if i were to slide on a loose surface into a hole and bend my car then i would fix it my self not claim on my insurance. equally if there was already another car at the bottom of said hole as i landed i would expect a third party claim if i could not offer a repair to the other vehicle, but i would not claim for my car to be fixed as it was obviously my fault and therefor my responsibility.
Saffy:
--- Quote from: lambert on March 25, 2010, 08:10:33 ---the only risk of higher claims from driving a byway comes if those claiming can't accept responsibility for their own actions. i.e. if i were to slide on a loose surface into a hole and bend my car then i would fix it my self not claim on my insurance. equally if there was already another car at the bottom of said hole as i landed i would expect a third party claim if i could not offer a repair to the other vehicle, but i would not claim for my car to be fixed as it was obviously my fault and therefor my responsibility.
--- End quote ---
But that's your personal choice and probably not alone - insurance company wouldn't care that people do that - its laughing that you have such morals and sitting comfortable because people fear making small claims because of fear of losing no claims bonus (unfair con), unfairly increased policies (they gambled and lost - unfair again), stress of making claims (its by design to make it horrible to see a claim to end) etc.. Then there are others that will claim a new paint job because they got a scratch and they are entitled to do so. But I wonder what you would do if you injury yourself greenlaning - maybe jarr your back, preventing you going to work for a wee while and you had adequate insurance cover to make a claim (max payout for personal cover is not that much either)
lambert:
as a farmer there is no such thing as a day off regardless of what you have done to yourself; livestock has no sympathy and needs looking after.
Saffy:
--- Quote from: lambert on March 25, 2010, 09:18:24 ---as a farmer there is no such thing as a day off regardless of what you have done to yourself; livestock has no sympathy and needs looking after.
--- End quote ---
didn't realise farmer where endowed with super powers :roll: back on planet earth the rest of us will probably make the claim if we had to as that is what we paid the cover for.
big andy w:
Hi, I'm with frank pickles and they beat anyone by far for sevic. And value! :)
all greenlaning covered full comp
club organised OffRoading events covered full comp
Market value for similar modified vehicle, as long as u take pictures and list mods!
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