Insurance companies are always risk averse
would you insure an uber?
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| Author: | grandad [ Tue Oct 06, 2020 8:56 pm ] |
| Post subject: | interesting insurance exclusion |
Any driver over 25 years old with relevant and appropriate licence and badge. Cat S5 Tracker required for vehicles valued over £60,000 Adjustments as and when Maximum Seats 8 plus driver Excluding owner drivers Excluding Uber work Excluding Self Drive Hire |
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| Author: | jimbo [ Wed Oct 07, 2020 6:32 am ] |
| Post subject: | Re: interesting insurance exclusion |
grandad wrote: Any driver over 25 years old with relevant and appropriate licence and badge. Cat S5 Tracker required for vehicles valued over £60,000 Adjustments as and when Maximum Seats 8 plus driver Excluding owner drivers Excluding Uber work Excluding Self Drive Hire I was asked if I worked for Uber at all, last year. |
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| Author: | edders23 [ Wed Oct 07, 2020 3:49 pm ] |
| Post subject: | Re: interesting insurance exclusion |
Insurance companies are always risk averse would you insure an uber?
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| Author: | jimbo [ Wed Oct 07, 2020 5:12 pm ] |
| Post subject: | Re: interesting insurance exclusion |
edders23 wrote: Insurance companies are always risk averse would you insure an uber?Well someone does. Don’t they? |
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| Author: | heathcote [ Wed Oct 07, 2020 5:20 pm ] |
| Post subject: | Re: interesting insurance exclusion |
jimbo wrote: edders23 wrote: Insurance companies are always risk averse would you insure an uber?Well someone does. Don’t they? There must not be many companies, lots of dodgy insurance certificates were floating around. |
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| Author: | grandad [ Wed Oct 07, 2020 5:24 pm ] |
| Post subject: | Re: interesting insurance exclusion |
Another thing that has just come to light with our new quote is that the company don't insure electric vehicles. This has thrown a spanner in the works because we have a Nissan Leaf. The broker iss trying to ssort out cover at similar terms. He did say that if I hadn't spotted the exclusion and just gone ahead then the company would have had to honour the policy because it was them that missed it on the schedule of vehicles. I don't think I would have liked to have tested that. |
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| Author: | edders23 [ Wed Oct 07, 2020 7:16 pm ] |
| Post subject: | Re: interesting insurance exclusion |
jimbo wrote: edders23 wrote: Insurance companies are always risk averse would you insure an uber?Well someone does. Don’t they? probably at a much higher premium
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| Author: | jimbo [ Wed Oct 07, 2020 8:59 pm ] |
| Post subject: | Re: interesting insurance exclusion |
edders23 wrote: jimbo wrote: edders23 wrote: Insurance companies are always risk averse would you insure an uber?Well someone does. Don’t they?[/quote probably at a much higher premium Oh dear, what a pity, never mind. |
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| Author: | wannabeeahack [ Thu Oct 08, 2020 10:45 am ] |
| Post subject: | Re: interesting insurance exclusion |
what about... "do you take cash in the vehicle"?............ |
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| Author: | Sussex [ Thu Oct 08, 2020 8:35 pm ] |
| Post subject: | Re: interesting insurance exclusion |
Spoke to my insurance broker today about the Uber question. He said it doesn't effect the premium. I said in that case under data laws they shouldn't ask and record the answers. He agreed. |
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| Author: | edders23 [ Fri Oct 09, 2020 5:57 am ] |
| Post subject: | Re: interesting insurance exclusion |
It is a material fact that can alter the risk the insurers are taking. |
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| Author: | Sussex [ Fri Oct 09, 2020 8:39 pm ] |
| Post subject: | Re: interesting insurance exclusion |
edders23 wrote: It is a material fact that can alter the risk the insurers are taking. If it was then the premiums would be different, but my broker assures me it makes no difference. |
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