Insuring flat towed car
Submitted: Friday, Sep 06, 2013 at 19:26
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MickMew
In the process of updating accessories with Allianz I was informed that my Suzuki that is comprehensively insured by Allianz is only insured when being towed by a towing company. The implication of this is that it is not insured when towed behind my motorhome. I have the Motorhome insured by Ken Tame and I think they will cover the vehicle being towed but who do other flat towers have to insure their towed car. Ironically Ken Tame is also underwritten by Allianz.
Mick & AM
Reply By: The Bantam - Saturday, Sep 07, 2013 at 09:44
Saturday, Sep 07, 2013 at 09:44
Yep, just another one of those complications of flat towing.
Insurance underwriting polocies can be very interesting and often puzzling.
The major insurance companies in general if they do not understand a risk or it is a bit unusual they will simply not cover those risks.
There are all sorts of smaller insurance companies and agencies that specialise in covering unusual risks and have their own specialiased terms and conditions and underwriting polocies....and rates that match.
The truth is most of theses smaller speciaised companies are either directly owned or underwritten by one of the 4 major parent insurers.
OH and read those terms and conditions
cheers
AnswerID:
517767
Reply By: get outmore - Saturday, Sep 07, 2013 at 12:58
Saturday, Sep 07, 2013 at 12:58
mmmmmmmm I would doubt that. remember they can say what they like but thier PDS is thier legal contract with you
get the PDS (ive had a quick look through it)
like I said its a quick look but i cant see that clause.
if you call them up with the PDS in front of you if they tell you that then get them to direct you to where it says that on the PDS . Some things like that can be a bit obscure so im not saying it isnt there but if they cant show you where on your legal contract with them then it doesnt exist and you will have to excallate it to thier manager and get proper clarification as to where it is stated.
remeber your PDS is a legal document no worker either manager or phone jockey can override it
AnswerID:
517771
Follow Up By: get outmore - Saturday, Sep 07, 2013 at 13:02
Saturday, Sep 07, 2013 at 13:02
should say ive done this and it didnt work in my favour
I believed damage to my house although caused accidently by me was covered. Upon being informed by them it wasnt I queried it and was directed to some wording which showed them to be right \
now my mind was at ease they wernt just ripping me off I just did the repair myself
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Reply By: allein m - Saturday, Sep 07, 2013 at 15:14
Saturday, Sep 07, 2013 at 15:14
we had a interesting run in with a insurance company
my wife and I fell in love with a puppy at the RSPCA she was small dog but sadly mistreated the original owner stepped on her back leg braking it but sadly they did not seek medical treatment till it was too late and she had her right rear leg removed '
she had not been feed properly as
well
she is fine now but may need help later in life with the remaining leg the vet said only time and the way we care for her will tell ie she cannot put too much weight on
so my wife rang up several pet insurance company's not one would accept insurance they said because we cannot say exactly what she will be like in ten years health wise
so why do we have these companies out there ?
AnswerID:
517779