In reply to Post #25
Just pulling your chain mate, good to see you have a sense of humour... By the way, you're wrong, as my gear was not specifically in the boot - it was 'in the car'. Seats were folded flat and in there were an unhooking mat, low chair and a sling with 3 rods/reels, landing net and sticks... I was going pike fishing the next day and car stolen at 4am, just an hour before I was due to get up. I suspect the crims had no idea that gear was in there. It was a 3 month old Audi RS4 - I had GAP insurance, so clawed back every penny (£70k). Direct Line didn't ask if the tackle was in the boot, in fact you'd need a big boot to get most rods in anyway - it was in the car, good enough for them to pay out and my current Policy with Aviva definitely covers me for theft from the car, no mention if it has to be in the boot or on the the front seat, what ever. Agree with you - check the small print, as I have almost renewed a Policy with another insurer and then seen a list of conditions in the event of a claim.
Just pulling your chain mate, good to see you have a sense of humour... By the way, you're wrong, as my gear was not specifically in the boot - it was 'in the car'. Seats were folded flat and in there were an unhooking mat, low chair and a sling with 3 rods/reels, landing net and sticks... I was going pike fishing the next day and car stolen at 4am, just an hour before I was due to get up. I suspect the crims had no idea that gear was in there. It was a 3 month old Audi RS4 - I had GAP insurance, so clawed back every penny (£70k). Direct Line didn't ask if the tackle was in the boot, in fact you'd need a big boot to get most rods in anyway - it was in the car, good enough for them to pay out and my current Policy with Aviva definitely covers me for theft from the car, no mention if it has to be in the boot or on the the front seat, what ever. Agree with you - check the small print, as I have almost renewed a Policy with another insurer and then seen a list of conditions in the event of a claim.
In reply to Post #29
Thanks buddy, glad that helped. As everyone is saying, check the small print, as not all Policies offer the cover you need. I mentioned this to a mate yesterday and he claimed for a rod/reel that went over the side of the boat when he was trolling for pike - he was quite surprised to find the house insurance covered accidental loss of sport equipment - bingo, he claimed, they paid, albeit he had to pay a small excess.
Thanks buddy, glad that helped. As everyone is saying, check the small print, as not all Policies offer the cover you need. I mentioned this to a mate yesterday and he claimed for a rod/reel that went over the side of the boat when he was trolling for pike - he was quite surprised to find the house insurance covered accidental loss of sport equipment - bingo, he claimed, they paid, albeit he had to pay a small excess.
In reply to Post #31
Most policies are “new for old” in the first year on new cars, shouldn't have needed the gap.......
Most policies are “new for old” in the first year on new cars, shouldn't have needed the gap.......
In reply to Post #30
Thanks Spod for the advice; really helps, as I'm sure others reading these pages 👍
Makes me feel a bit better knowing that if something gets pinched, I can get it replaced 😁
Thanks Spod for the advice; really helps, as I'm sure others reading these pages 👍
Makes me feel a bit better knowing that if something gets pinched, I can get it replaced 😁
In reply to Post #31
You were lucky mate as I know for a fact the Direct Line wording 100% says that belongings in the car are covered only if the vehicle is locked, windows closed and items are out of view in a luggage compartment. It was probably the fact that your car was stolen that made the difference as they didn't actually break into the car to steal the items but stole the car instead!
I also know Aviva policies very well, which policy have you got with them because most of their policies have exactly the same wording...the high net worth products may be different but you pay a premium price for those...
You were lucky mate as I know for a fact the Direct Line wording 100% says that belongings in the car are covered only if the vehicle is locked, windows closed and items are out of view in a luggage compartment. It was probably the fact that your car was stolen that made the difference as they didn't actually break into the car to steal the items but stole the car instead!
I also know Aviva policies very well, which policy have you got with them because most of their policies have exactly the same wording...the high net worth products may be different but you pay a premium price for those...