Insurance Honda Insurance - Warning about exclusions

Parky · 30th April 2007, 23:45

I have just been reading the fine print in my Honda insurance pack and was shocked to find the following Exclusion :-

"Kept overnight - When your vehicle is kept at your home address overnight there will be no cover under Sections 4 (Fire and Theft) and 5 (Accidental Damage) of the policy for any loss or damage which happens between 10.00pm and 6.00am unless your vehicle is in a locked garage or on a driveway behind locked gates"

Now this is news to me and I would NEVER have taken out the insurance if I had been mad aware of those conditions. When I took out the policy they asked where the car was parked overnight and I said on the drive, they never stated it had to be behind locked gates to be covered. This is a real issue for me as I am now uninsured while on my own drive, this was not made clear when I made the purchase and is yet another loop hole for the insurer to use to not pay out. I will now have to have gates fitted or move insurers, which will not be easy if at all possible as I have a claim underway (stupid person reversed into me)

So be warned, if you don't have a lockable garage or can lock the car behind gates then AVOID Honda insurance (provided by Zurich)

Ian

Type S Bournemouth · 30th April 2007, 23:48

That is a complete joke that is and glad youve made everyone aware of it as i bet most dont realise this. As its not something they would like to advertise.

If i was you id make an official complaint to them about it.

Parky · 1st May 2007, 00:10

Having read the small print even more!!!

It now seems that the Endorsements listed in the documents only apply if they are specifically mentioned on your policy documents.

I have just checked my actual policy and it only states that Endorsement 25 applies, which relates to drivers under 25. Therefore the issue I have raised above (endorsement 44) does not actually apply to me - thankfully.

Sorry to have raised this, but it may be that they do try to apply it to some people, I suppose it may depend on the area you live in.

It is therefore not as bad as I originally painted it, sorry again.

Ian

PS I am also relieved!

apemonkeyman · 1st May 2007, 08:56

Quote:

Originally Posted by Parky

Sorry to have raised this, but it may be that they do try to apply it to some people, I suppose it may depend on the area you live in.

It is therefore not as bad as I originally painted it, sorry again.

Don't apologise!! You have just done a lot of CivInfo members, particularly under 25, a huge favour in giving them this info. I am insured with Egg but will be checking the exclusions very closely when I get home... like I should've done when I bought their insurance!

Well done.

grebble · 1st May 2007, 13:34

Now that's just a stupid exclusion. I can understand drivers aged under 25 having certain exclusions because they're statistically more likely to have an accident while they're driving, but why should their age make any difference as to the likelihood of them having their car damaged by fire or theft when it's parked at home?

Parky · 1st May 2007, 13:40

Quote:

Originally Posted by grebble

Now that's just a stupid exclusion. I can understand drivers aged under 25 having certain exclusions because they're statistically more likely to have an accident while they're driving, but why should their age make any difference as to the likelihood of them having their car damaged by fire or theft when it's parked at home?

I seem to have confused you. The two endorsements are not related to each other.

Endorsement 25 relates to drivers under 25 not being insured and Endorsement 44 relates to Kept Overnight and the rules that apply.

These only apply to your policy (as do any Endorsements), if they are specifically mentioned as being applied to your policy.

apemonkeyman · 1st May 2007, 14:00

So if I claim my car is kept garaged overnight & therefore my premium drops as a result, might they apply the exclusion 44 but it would be stated as such? Just trying to get this straight...

Parky · 1st May 2007, 14:08

Quote:

Originally Posted by apemonkeyman

So if I claim my car is kept garaged overnight & therefore my premium drops as a result, might they apply the exclusion 44 but it would be stated as such? Just trying to get this straight...

On your policy they state what is covered and part of that is a sections where they apply any special endorsements that they feel need to be applied to your specific policy.

SO if on your policy in the Endorsement section there is nothing listed then none of the specific endorsements apply. Only if Endorsement 44 was specifically mentioned would you need to have your car in a garage or locked behind gates.

As a separate point:
When you took out the policy what did you reply when they asked where the car would be kept overnight? If you said 'in a locked garage' and in fact this was not true then you would not be insured if it was stolen from your house as you had not in fact told the truth when you bought the policy.

apemonkeyman · 1st May 2007, 14:21

Ain't it strange how we keep worthless junk locked up in a garage & an expensive car outside on the driveway.... & why do house builders build garages so small you'd be hard pressed to get anything bigger than a mini into one?

czechplastik · 4th May 2007, 07:27

Always read the smallprint, sometimes things really aren't what they seem

pariah · 5th May 2007, 20:17

Honda (Zurich) was also the most expensive of all the quotes I had for the Civic.

Obo · 5th May 2007, 20:20

I just did mine on Thursday and it was over double my quote with my current insurer, (plus now I see these odd exclusions), the girl just laughed when I told her they're obviously used to it, she was really helpful and friendly though one of the nicest sales people I've ever had to ring

pariah · 5th May 2007, 20:27

I thought that they were very polite and helpful aswell, shame it was such a duff price!!

STX1300man · 5th May 2007, 20:35

If the Civic was a motorcycle you would find it very hard to get insurance if you did NOT accept the conditions quoted in the original post.

MC Hammer · 5th May 2007, 21:54

Quote:

Originally Posted by STX1300man

If the Civic was a motorcycle you would find it very hard to get insurance if you did NOT accept the conditions quoted in the original post.

So true! My M/C isn't insured for theft or damage within 0.5 Miles of my home address unless it's locked in the garage!

Charles_Harding · 6th May 2007, 11:34

Quote:

Originally Posted by pariah

Honda (Zurich) was also the most expensive of all the quotes I had for the Civic.

's funny that!

I got my best quote from those guys, so they got my business - and I got £25 M&S vouchers thrown in as well!

"Metaphors be with you!"

Charles H.

pariah · 6th May 2007, 12:00

Quote:

Originally Posted by Charles_Harding

's funny that!

I got my best quote from those guys, so they got my business - and I got £25 M&S vouchers thrown in as well!

Charles H.

Isn't insurance an unpredictable beast...

pariah · 6th May 2007, 12:01

Quote:

Originally Posted by MC Hammer

So true! My M/C isn't insured for theft or damage within 0.5 Miles of my home address unless it's locked in the garage!

Mine aswell!!

Charles_Harding · 6th May 2007, 12:14

Quote:

Originally Posted by pariah

Isn't insurance an unpredictable beast...

So's the flipping filler flap!

"I don't understand why people take years in writing a book. You can buy one few a few quid in Tesco's!"

Charles H.

Harps · 6th May 2007, 16:33

Must get around to reading the small print on my policy...BTW Honda insurance was £5500 for me!!!

30th April 2007, 23:45	#1 (permalink)
Parky Triangular Exhaust Join Date: 4th July 2006 Posts: 335 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Honda Insurance - Warning about exclusions I have just been reading the fine print in my Honda insurance pack and was shocked to find the following Exclusion :- "Kept overnight - When your vehicle is kept at your home address overnight there will be no cover under Sections 4 (Fire and Theft) and 5 (Accidental Damage) of the policy for any loss or damage which happens between 10.00pm and 6.00am unless your vehicle is in a locked garage or on a driveway behind locked gates" Now this is news to me and I would NEVER have taken out the insurance if I had been mad aware of those conditions. When I took out the policy they asked where the car was parked overnight and I said on the drive, they never stated it had to be behind locked gates to be covered. This is a real issue for me as I am now uninsured while on my own drive, this was not made clear when I made the purchase and is yet another loop hole for the insurer to use to not pay out. I will now have to have gates fitted or move insurers, which will not be easy if at all possible as I have a claim underway (stupid person reversed into me) So be warned, if you don't have a lockable garage or can lock the car behind gates then AVOID Honda insurance (provided by Zurich) Ian

5th May 2007, 20:35	#14 (permalink)
STX1300man Supporter Valve Cap Join Date: 17th September 2006 Posts: 28 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Just be happy its not a Honda M/C If the Civic was a motorcycle you would find it very hard to get insurance if you did NOT accept the conditions quoted in the original post.

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This thread is about: Honda Insurance - Warning about exclusions, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; I have just been reading the fine print in my Honda insurance pack and was shocked to find the following Exclusion :- "Kept overnight - ...

30th April 2007, 23:48	#2 (permalink)
Type S Bournemouth Supporter Magic Rear Seat Join Date: 3rd October 2006 Location: Bournemouth Posts: 989 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	That is a complete joke that is and glad youve made everyone aware of it as i bet most dont realise this. As its not something they would like to advertise. If i was you id make an official complaint to them about it.

1st May 2007, 00:10	#3 (permalink)
Parky Triangular Exhaust Join Date: 4th July 2006 Posts: 335 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Having read the small print even more!!! It now seems that the Endorsements listed in the documents only apply if they are specifically mentioned on your policy documents. I have just checked my actual policy and it only states that Endorsement 25 applies, which relates to drivers under 25. Therefore the issue I have raised above (endorsement 44) does not actually apply to me - thankfully. Sorry to have raised this, but it may be that they do try to apply it to some people, I suppose it may depend on the area you live in. It is therefore not as bad as I originally painted it, sorry again. Ian PS I am also relieved!

1st May 2007, 13:34	#5 (permalink)
grebble Wheelnut Join Date: 7th March 2007 Location: Kettering, Northants Posts: 82 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Now that's just a stupid exclusion. I can understand drivers aged under 25 having certain exclusions because they're statistically more likely to have an accident while they're driving, but why should their age make any difference as to the likelihood of them having their car damaged by fire or theft when it's parked at home?

1st May 2007, 14:00	#7 (permalink)
apemonkeyman Supporter Magic Rear Seat Join Date: 2nd February 2007 Location: Gloucester Posts: 672 Thanks: 3 Thanked 0 Times in 0 Posts iTrader: (0)	So if I claim my car is kept garaged overnight & therefore my premium drops as a result, might they apply the exclusion 44 but it would be stated as such? Just trying to get this straight...

1st May 2007, 14:21	#9 (permalink)
apemonkeyman Supporter Magic Rear Seat Join Date: 2nd February 2007 Location: Gloucester Posts: 672 Thanks: 3 Thanked 0 Times in 0 Posts iTrader: (0)	Ain't it strange how we keep worthless junk locked up in a garage & an expensive car outside on the driveway.... & why do house builders build garages so small you'd be hard pressed to get anything bigger than a mini into one?

4th May 2007, 07:27	#10 (permalink)
czechplastik King of the rodeo Civinfo guru Join Date: 24th October 2006 Location: Belfast Posts: 4,726 Thanks: 0 Thanked 3 Times in 3 Posts iTrader: (0)	Always read the smallprint, sometimes things really aren't what they seem

5th May 2007, 20:17	#11 (permalink)
pariah My other car is a bike... Wheelnut Join Date: 4th May 2007 Location: Telford, UK Posts: 83 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Honda (Zurich) was also the most expensive of all the quotes I had for the Civic.

5th May 2007, 20:20	#12 (permalink)
Obo Rusty Nut! Magic Rear Seat Join Date: 15th March 2007 Location: Weston-super-Mare Posts: 614 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	I just did mine on Thursday and it was over double my quote with my current insurer, (plus now I see these odd exclusions), the girl just laughed when I told her they're obviously used to it, she was really helpful and friendly though one of the nicest sales people I've ever had to ring

5th May 2007, 20:27	#13 (permalink)
pariah My other car is a bike... Wheelnut Join Date: 4th May 2007 Location: Telford, UK Posts: 83 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	I thought that they were very polite and helpful aswell, shame it was such a duff price!!

6th May 2007, 16:33	#20 (permalink)
Harps Supporter Triangular Exhaust Join Date: 31st January 2007 Location: Leicester Posts: 327 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Must get around to reading the small print on my policy...BTW Honda insurance was £5500 for me!!!