Jump to content
READ ME - iOS Notifications - How To Enable - Guide

pigeon142

Members
 View Profile  See their activity

  • Posts

    124

  • Joined

  • Last visited

 Content Type 

Posts posted by pigeon142

    HTC Wildfire S

    in Non Automotive Items

    Posted

    I have just uprgraded to this phone but have decided I would like an HTC Flyer Tablet instead and so am selling it.

    It is brand new in the box and unlocked and apart from checking this unused. (I have tested it on Orange and 3UK SIMS)

    I will send via special delivery.

    £180

    Any questions please ask.

    200 mph MK2 Octavia Vrs

    in Skoda Octavia Mk I (1996-2004)

    Posted

    Yep - an Octavia Mk2 bodyshell went over 200mph

    Then again Ford Pop replica funny cars probably do that at Santa Pod depending what's under the skin

    "It retains its production-standard 2.0-litre four-cylinder TSI petrol engine but the standard turbo has been replaced with a more advanced unit from respected component firm Garret"

    Apparently had a second set of injectors & Fuel rail (due to lack of available uprated injectors for the tsi engine) and strengthened internals.

    Very impressive given this I think, although I doubt drivability will be a strong point.

    USC insurance policies cancelled

    in Insurance & Legal Issues

    Posted

    I believe looking at the DL policy wording that they have to give you a reason to cancel and can't just cancel.....Only the policy holder can 'cancel at anytime'

    In fact the DL policy does not mention track days besides the policy definition part and the only exclusion anywhere near this is the Nurburgring exclusion.

    I totally agree that they can't cancel your policy for 'motorsport'.

    If they could cancel the would put something along the lines of:

    No cover shall be extended whilst participating in motorsport, racing or time trials. The participation in motorsport racing or time trials in prohibited whilst the vehicle is insured under this policy and any evidence of the vehicle being involved in motorsport could make this policy invalid and your cover cancelled.

    This is what I read??

    "We have the right to cancel this policy by sending seven days

    written notice to your last known address. If we do, we will

    return the premium less an amount for the period the policy has

    been in force. The certificate of motor insurance remains our

    property and you must surrender it to us within seven days of the

    cancellation date."

    Just spoken to the insurance guy who lives near to me. He's not an insurance salesman but is high enough in the insurance industry to be making policy. This is not his area of expertise (he's a expert in 'geographic factors'), but this is what he had to say...

    He says that to terminate a policy an insurance company would have to show an increase in risk - not just during motorsport - but afterwards when the car is back on public roads. He doesn't know for sure but he could argue that there is probably a higher risk of catastrophic failure after taking part in motorsport.

    He would point to the fact that most warranties would be void - not just if the car breaks down during motorsport but if the car had ever taken part in motorsport prior to the breakdown. This shows that they believe the car is less reliable after motorsport - this would include manufacturers and if they think motorsport can create an issue - who are the insurance companies to disagree.

    He said that the insurance companies are not the only ones attending these events. He knows of at least one "very well known extended warranty company" that has recently started monitoring these events. I asked if it was Warranty Direct, but he wouldn't say.

    Again as long as you answer the questions in the proposal correctly it is for the insurance company to calculate risk. If, partway through the term of the contract. the insurer belives the risk is higher that is tough luck as they have entered into a contract to insure you. Both sides must abide by the terms of the contract and this contract does not preclude use either off road or on trackdays.

    Your only obligation is to be truthful, would taking a car at high speed in Germany make it more likely to fail? how would the insurer deal with a Porsche which is built for being taken at high speed?? Insurance companies spend a lot of time working out risk factors I agree but they are bound by contract law on this one.

    If they wish to exclude this use, the proposal would have to ask if at any time will your car be used for motorsport at a trackday or dragstrip for example. You would then have to answer truthfully and they could then possibly look at the risk.

    Is it possible that there is more to this like as mentioned before an undeclared modification?? (Not pointing fingers just asking)

    USC insurance policies cancelled

    in Insurance & Legal Issues

    Posted

    Pigeon,

    if the is a "no motorsport" comment in the T & C's of a policy then it means what it says. It cannot be argued about. You can try arguing contract law with an insurance company as long as you like; why do you think that their T & C's often seem so vague?

    Sorry, but this problem has been known about for years in the motor sport world, which is why there are specialist companies out there.

    "if the is a "no motorsport" comment in the T & C's of a policy then it means what it says" - Where does it say that ??? It usually says (on the certificate only) no cover shall be extended whilst participating in motorsport, racing or time trials for example which by implication means that it is allowed or it would say that participation is forbidden and voids the policy.

    I don't doubt that an insurance company would attempt cancellation and indeed they claim that right in the contract to cancel without any reason. This does not mean it has any basis in law (which the insurance company is subject to), just look at their disregard for discrimination law.

    It is not an insurance company that I would be arguing with but I would consider a challenge for breach of contract after researching the basis of their generic term allowing them to cancel without cause.

    My point is that they may have had the right to cancel but he has not breached the contract in anyway by taking his car off road to use as he pleases and to suggest otherwise is wrong.

    USC insurance policies cancelled

    in Insurance & Legal Issues

    Posted

    Yes, although not declaring mods is fraud or breach of contract at best.

    I have read through direct line policy terms online there is no reference to cancelling policy for trackday use which is defined as

    "Track day – when your car is driven on a racing track, on an airfield or at an off-road event."

    In fact it defines a track day in the terms but then does not mention it again in the policy???

    "Use on airfields



    We will not cover any injury, loss, damage or liability caused by using

    your car in any area where aircraft are normally found to be landing,

    taking off, moving or parked"

    Surely if this voided the policy it would say here, it seems they have simply exercised the generic cancellation term rather than for a specific breach of the insurance contract.

    USC insurance policies cancelled

    in Insurance & Legal Issues

    Posted

    If the policy says "excludes motorsport use" (or words similar), which most do, then taking part in any type of motorsport, on the track or road, will immediately invalidate that policy. It doesn't matter whether it is likely to result in a claim or not. As far as the insurance company's are concerned that driver becomes a greater risk, even if he actually doesn't. I'm afraid that in the Insurance world motorsport is perceived as dangerous and risky.

    The "track day" use is more problematical, since in general this is not classed as motor sport as it is untimed and not generally subject to MSA or other regulatory bodies regulations, however even here companies have cancelled policies because they haven't been told about it.

    Insurance is a minefield, and as I said earlier, a lot of people do not bother to read the T & C's of their Policies, and then complain when they find they have problems. A little research can solve lots of these.

    I'm lucky as my standard fully comp policy covers me up to and including National B level motorsport of all types in the UK, and is very unusual. My Motor Club arranged it years ago and it has been carried forward for members ever since.

    EDIT.

    He has now got to mention he has had a polcy cancelled every time he applies for insurance in the future!

    This is incorrect an insurance companies perceptions are irrelevant as this is a matter of contract law. Excludes motorsport means that you are not covered for motorsport ie there is no cover in place whilst taking part not that it invalidates the poicy. I am well within my rights to insure the car with a separate company one example is pizza delivery drivers. It is not a list of restrictions on you but on the cover provided.

    Having checked my policy I only have to declare a change in employment at renewal, if I decide to deliver pizzas most companies provide insurance for the time that you are working (ie carriage of goods) you therefore do not need to increase cover with your existing insurer. I would therefore be under no statutory or contractual obligation to declare this, except at renewal, as I would be properly insured.

    This is a case of of the company abusing their power

    Edit:

    On the other hand an insurance company can cancel a policy without reason according to their terms, although this may be inbreach of various legislation including UCTA and EU law.

    HTC Desire

    in Non Automotive Items

    Posted

    Android is to the phone what windows/linux is to a computer. For example it means you can get updates earlier, increase memory available for apps and increase/decrease cpu speed, the latter reduces battery usage. If you don't have any interest in 'tinkering' then stick with the official firmware.

    HTC Desire

    in Non Automotive Items

    Posted

    its a hacked android version

    Android can't be "hacked" its open source?? :thumbup: Just being pedantic, it means it runs an operating system from an aftermarket source, you can run either official HTC (with or without vodafone bloatware)also and allows administrator access to the OS.

×
×
  • Create New...

Important Information

Welcome to BRISKODA. Please note the following important links Terms of Use. We have a comprehensive Privacy Policy. We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.