Hibernian Renewal Issue..

Ronanom · 22-03-2007 7:21pm #1

They said that before they will quote me for a renewal on my motor insurance they want a letter telling them why I have 5 permanent vehicle change overs in the year.

I really don't see why I should be obliged to produce such a letter..

Any thoughts?

Anan1 · 22-03-2007 7:26pm

My immediate response would be to call FBD.

colm_mcm · 22-03-2007 7:30pm

presume they're trying to cut down on lads insuring a micra, then transferring cover to something like a Levin etc. as they have to cover you IIRC.

Trampas · 22-03-2007 7:37pm

But why have you made 5 perm subs this year

Ronanom · 22-03-2007 7:39pm

Trampas wrote:

But why have you made 5 perm subs this year

Because I changed over my car 5 times...duhh

colm_mcm · 22-03-2007 7:40pm

not unreasonable for them to ask though.

Alun · 22-03-2007 8:16pm

I'd hazard a guess that they might think you're trading (are you?) and that might somehow contravene the terms of the policy.

Rudolph Claus · 22-03-2007 8:22pm

Or they might think you`re the worlds worst driver and wrote off the 1st 4 cars and are now on a 5th in the space of a year.

legs11 · 22-03-2007 8:58pm

don't see why anyone would need 5 cars in the space of a year anyway....seems abit dodgey

JohnCleary · 22-03-2007 9:12pm

Because you're buying and selling car's for profit which is trading and your insured under a private insurance policy

colm_mcm · 22-03-2007 9:15pm

who says they're for profit!

JohnCleary · 22-03-2007 9:17pm

colm_mcm wrote:

who says they're for profit!

The price tag generally

6ix · 22-03-2007 9:41pm

Alun wrote:

I'd hazard a guess that they might think you're trading (are you?) and that might somehow contravene the terms of the policy.

This is exactly why. It's not a big deal to write a letter anyway, and if they're the most competitive it'll be worth your while.

Fey! · 22-03-2007 9:53pm

Maybe he just bought the worst 5 cars in the country and had to get rid of each of them...

Guy:Incognito · 22-03-2007 10:29pm

Is this you OP? http://www.carzone.ie/usedcars/index.cfm?fuseaction=car&carID=579513

bazz26 · 23-03-2007 12:06am

My guess also would be that they think the OP is trading in cars through a private insurance policy.

Dermo123 · 23-03-2007 1:17pm

I did a few permanent transfers also last year with Hibernian and was asked over the phone why I am doing it. I told them I only owned one car at a time in my name and was doing it as a hobby. I got no more questions from them and my renewal came recently with no surprises.

I would be willing to pay extra if they were able to offer me the facility to insure as many changeovers as I liked but they could not give it to me as a private punter.

michaelanthony · 24-03-2007 11:30am

If you change your car, is the insurance company legally obliged to insure the new one?

Hibernian Renewal Issue..

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