What do you have to declare to the Insurance companies

[chesney]

Well, my insurance is up for renewal next month so we will see ;)
Not having a pop, just disbelief.

[lambrettalad]

does a scooter count as another vehicle ? or how about if you have 2 alternatives both classics? I've seen the question on the forms and thought they wanted the chance to sell me more insurance.

[neil4030]

The main club insurer may well have underwriters specific to young members who don't have another insured car. It is just a case of anyone who is in the same position as me i.e. daily driving main use minor with no other insured car; making sure all is in order with the broker on the policy. It certainly wouldn't have been for me with our main insurer but that may be because of some other reason specific to my policy, age, grumpiness, telephone manner, impatience, dislike of listening to Vivaldi's Four Seasons whilst on hold for several hours etc etc....

[millerman]

DaveFJ, where are you ?

[dik]

Hmmm. this will affect a significant number of members if true, myself incuded. Surely if it is true then we will have some collective weight to make it untrue again...

d

[autolycus]

Insurance contracts, unlike, for instance, contracts to sell things, are contracts "of utmost good faith". In other words, the insured person must tell the insurer anything which would reasonably affect his decision on whether to accept that risk, and at what premium. There are various exceptions, particularly in respect of things that are everyday knowledge for an insurer (like "my Morris has a petrol engine") but you would have to tell him anything he might not know, like it having a Meteor tank engine.

In law, the insurer has the right to "avoid" any insurance contract where you have failed to disclose something material, and this could extend even beyond the claim that you're making that's lead to being found out. So, let's say you claim for theft of your alloy wheels, that you'd not told the insurer about. He could not only refuse to cough up for the wheels, but he could also demand back the money he paid out earlier in the same insurance year when you mowed down the bus queue. There are Association of British Insurers protocols that say they shouldn't do this, but is your insurer a member?

General principle: don't try to out-smart insurers. They're smarter than any of us, have more expensive lawyers, and have heard all the sophistry we might dream up. Ar best, they'll say "OK, thanks for telling us". At worst, they'll put a few bob on the premium or say they can't cover you, but isn't that better than discovering, too late, that you've got to sell everything to pay the bills.

This is a gross simplification of the law in England and Wales: if you want to read more, google "uberrima fides". If you think it's wrong that this is how insurance law works, write to your MP.

Kevin

[Dave@FJ]

Guys

Apologies, only just seen this. Thanks Lou for the PM also, have been up to my eyes the last few days so haven't logged on

I'm going to seek some clarification on this. I'll come back to you all as soon as I have a definitive answer.

[ASL642]

Dave - we look forward to hearing from you.

[chesney]

Well, I have an answer if sorts.
I renewed my insurance yesterday (FJ) and I asked the nice lady if I had valid insurance as it was my only insured car. She said as I was a member of the MMOC, and on the Young Members insurance scheme, I had valid insurance and that they were aware it was my only vehicle. She added that some policies required you to have a daily used car, but didn't say if that is the policy they follow.

[neil4030]

Dave FJ sent me a PM to the effect that the issue I had raised was to be dealt with at their end and he would get back to us on the forum in due course. Glad you are sorted out.

[aupickup]

come on dave
i am about t renew mine

[Dave@FJ]

Sorry Guys

I did have a look at this as Neil says, he was very helpful and sent me over his reference so I could look at the details and listen to the call.

There is currently no set requirement under the Morris Minor Owners Club scheme for you to have a seperate everyday vehicle. The issue is slightly more complicated as many of you are insured with us on different schemes despite being clun members and Morris Minor Owners. We are obliged to offer policyholders the cheapest rate from a variety of insurers hence why some of you are different schemes.

Whichever scheme you're on, you don't need to worry. If you've always used the Moggy as your daily and don't have a modern then there's no need to change anything, If you used to have a daily and now use the Moggy then do let us know and if your scheme doesn't support this we'll try to move you to one that does.

Sorry for the babble but it's more complicated that just a simple yes or no!

[aupickup]

ta dave

[chesney]

Thanks for clearing all that up Dave
Phew!