Third Party, Fire & Theft Policy : doesn't cover fire brigade costs

hinault

A motor vehicle insurance policy defined as Third Party, Fire and Theft, doesn't provide insurance cover for the cost of the fire brigade services.

I had a motor vehicle insured by a very well known insurance company under a policy defined as third party, fire and theft.

The motor vehicle caught fire (engine block caught fire) and the local fire service arrived to extinguish the fire.

The insurance company sent assessors and investigators and they agreed that the fire was not started deliberately and was in all likelihood caused by a wiring fault.

The insurance company paid the value of the vehicle under the insurance policy but they refused to pay the cost of the fire services (nearly €1,000).

The insurance company claim that the "third party, fire, and theft" policy does not include covering fire brigade costs.
I'm disputing this with the insurance company because the policy sold to me through a broker had no provision to waive insurance costs in relation to fire brigade services.

I'd urge all third party fire and theft policy holders to check their policy with their broker/insurance company.

Atlantic Dawn

Interesting, yes I would think it would need to have a specific exclusion in the policy for them not to pay it. Most companies do have limits of €1000-€1500 for fire brigade call out.

dr.fuzzenstein

I think the principle in Ireland is, whoever calls the fire brigade, pays.
So have an unregistered phone when you call them and make sure to give your name as Enda. Then you can refuse the bill, saying you never called them.
Or just let the fcuker burn, once it's up in flames, it can't be saved anyway.

hinault

Atlantic Dawn wrote: »

Interesting, yes I would think it would need to have a specific exclusion in the policy for them not to pay it. Most companies do have limits of €1000-€1500 for fire brigade call out.

The insurance company are claiming that Section 9 of their "third party fire and theft" policy allows them not to have to pay the cost of the fire brigade service.

I've asked the insurance company to send me a copy of their "third party fire and theft policy"

Mycroft H

dr.fuzzenstein wrote: »

I think the principle in Ireland is, whoever calls the fire brigade, pays.
So have an unregistered phone when you call them and make sure to give your name as Enda. Then you can refuse the bill, saying you never called them.
Or just let the fcuker burn, once it's up in flames, it can't be saved anyway.

Afraid not Fuzz

Its the beneficial user who gets billed. This is to stop bystanders from not calling the fire services if they see a random house in flames for example.

dr.fuzzenstein

Mycroft H wrote: »

Afraid not Fuzz

Its the beneficial user who gets billed. This is to stop bystanders from not calling the fire services if they see a random house in flames for example.

dang. I'll just deny it's my house. :pac:

ironclaw

hinault, you may as well name the insurance company. If its part of there terms then its hardly going to affect them if someone knows as they can find out themselves if they read the policy. I'm guessing the company starts with an L?

hinault

ironclaw wrote: »

hinault, you may as well name the insurance company. If its part of there terms then its hardly going to affect them if someone knows as they can find out themselves if they read the policy. I'm guessing the company starts with an L?

Am I allowed name names?

Fred Swanson

This post has been deleted.

coylemj

hinault wrote: »

I've asked the insurance company to send me a copy of their "third party fire and theft policy"

Like, you're going to wait for them to post it out to you?

Every insurance company has their policy documents available to download from their website.

endacl

dr.fuzzenstein wrote: »

dang. I'll just deny it's my house. :pac:

Well, it wouldn't be your house. It'd be your site + ashes.

:pac:

coylemj

hinault wrote: »

Am I allowed name names?

Why not? We're dealing with facts here, the insurance company said their TPFT policy doesn't cover the fire brigade charge - what recourse would they have if you name them here?

You can't be sued for making a statement of fact if it's true.

16.— (1) It shall be a defence (to be known and in this Act referred to as the “ defence of truth ”) to a defamation action for the defendant to prove that the statement in respect of which the action was brought is true in all material respects.

http://www.irishstatutebook.ie/2009/en/act/pub/0031/sec0016.html#sec16

coylemj

Searching for the word 'brigade' in the various motor policy documents threw up these. RSA was the notable exception, they have no such provision.

Allianz:

We will pay for charges made by a Fire Authority under the Fire Services Act 1981 to:

Control or put out a fire in Your Car or remove the driver or passengers from the Car using cutting equipment. Provided the fire gives rise to a valid claim under Your Policy the maximum We will pay is €1,000.

Aviva:

We will pay for charges made by a fire authority under the Fire Services Act 1981 to:

• control or put out a fire in your car (in circumstances which have given rise to a valid claim under your policy); and
• remove the driver or passengers from the car using cutting equipment.

The most we will pay is €1,000.

Liberty:

We will pay for local-authority charges (in line with the Fire Services Act 1981) for putting out a fire in your vehicle if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers from your vehicle using cutting equipment. The most we will pay is €750.

Axa:

We will pay charges from a local authority (in line with the Fire Services Act 1981) for putting out a fire in your car if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers from your car using cutting equipment.

The most that we will pay for any one claim is €1,000 and a claim under this section will not affect your No Claims Discount

derry

I chose to not take out out fire and theft I only do third party insurance .
My policy is simple if my car catches fire I wont be calling the fire brigade if no life and limb is at risk .If the fire Brigagde chose to come for some unknown reason put out the fire when they send me letter which asks demands or otherwise requests cash the letter will be sent back with
Return to sender
No Liabilty I do not have and International treaty with you
I do not understand your intent
I do not recognize you
No assured Value
Note no full stops comas etc this reply will stop most solitors ( to soliticit to whore ) dead in thier tracks as thye know that means they are wasting thier time no contract exists with me and they can go fly a kite

full explantion at http://peoplesinternetradio.com/forum/topics/return-to-sender-step-by-step-explained-in-full
Many of friends said to they are also cutting costs an getting rid of the fire and theft as they know the theft side you always lose anyway and from the grape vine they heard the fire side is the insuranace compaines are finding too many get out clauses so screw them

the tax payers have all already paid for the fire brigade services as the few cars that catch fire each year for no criminal reason is small so not even worrth the time to collect it .Crimilan fire where cars are stolen why should the motorist suffer from this .My last car which was stolen cuaght fire set fire to other cars beside it ended up a claim against my insurace and the value of the car 2000 they offered me 200 so i told them to stick it and changed to another outfit insurance which did third party only

The only legal car insurance you have to have for the statues road traffic acts is third party insurance .So for me that is all I will give these thieving SOB car insurance companies

Derry

Fred Swanson

This post has been deleted.

Icepick

derry wrote: »

I chose to not take out out fire and theft I only do third party insurance .
My policy is simple if my car catches fire I wont be calling the fire brigade if no life and limb is at risk .If the fire Brigagde chose to come for some unknown reason put out the fire when they send me letter which asks demands or otherwise requests cash the letter will be sent back with
Return to sender
No Liabilty I do not have and International treaty with you
I do not understand your intent
I do not recognize you
No assured Value
Note no full stops comas etc this reply will stop most solitors ( to soliticit to whore ) dead in thier tracks as thye know that means they are wasting thier time no contract exists with me and they can go fly a kite

full explantion at http://peoplesinternetradio.com/forum/topics/return-to-sender-step-by-step-explained-in-full
Many of friends said to they are also cutting costs an getting rid of the fire and theft as they know the theft side you always lose anyway and from the grape vine they heard the fire side is the insuranace compaines are finding too many get out clauses so screw them

the tax payers have all already paid for the fire brigade services as the few cars that catch fire each year for no criminal reason is small so not even worrth the time to collect it .Crimilan fire where cars are stolen why should the motorist suffer from this .My last car which was stolen cuaght fire set fire to other cars beside it ended up a claim against my insurace and the value of the car 2000 they offered me 200 so i told them to stick it and changed to another outfit insurance which did third party only

The only legal insurce you have to have is third party so that is all I will give these thieving SOB car insurance companies

Derry

Your freeman nonsense only works in the Lalaland so make sure you only drive there.

Big Nasty

derry wrote: »

I chose to not take out out fire and theft I only do third party insurance .
My policy is simple if my car catches fire I wont be calling the fire brigade if no life and limb is at risk .If the fire Brigagde chose to come for some unknown reason put out the fire when they send me letter which asks demands or otherwise requests cash the letter will be sent back with
Return to sender
No Liabilty I do not have and International treaty with you
I do not understand your intent
I do not recognize you
No assured Value
Note no full stops comas etc this reply will stop most solitors ( to soliticit to whore ) dead in thier tracks as thye know that means they are wasting thier time no contract exists with me and they can go fly a kite

full explantion at http://peoplesinternetradio.com/forum/topics/return-to-sender-step-by-step-explained-in-full
Many of friends said to they are also cutting costs an getting rid of the fire and theft as they know the theft side you always lose anyway and from the grape vine they heard the fire side is the insuranace compaines are finding too many get out clauses so screw them

the tax payers have all already paid for the fire brigade services as the few cars that catch fire each year for no criminal reason is small so not even worrth the time to collect it .Crimilan fire where cars are stolen why should the motorist suffer from this .My last car which was stolen cuaght fire set fire to other cars beside it ended up a claim against my insurace and the value of the car 2000 they offered me 200 so i told them to stick it and changed to another outfit insurance which did third party only

The only legal car insurance you have to have for the statues road traffic acts is third party insurance .So for me that is all I will give these thieving SOB car insurance companies

Derry

Oh you're back, great!

derry

Fred Swanson wrote: »

This post has been deleted.

I havent found that to be the case for me . Every year at renewal I shop around full no claims 2 liter diesel car 75BHP age 50 ish and the quotes I got were more third party fire and theft and then i ask for third party only and tell them thats all i want . If they will quote me the price is cheaper but still often more than what i all ready pay so they dont get the busness . Most companies only do third party fire and theft quotes which best I can figure is illegal to strap on extra to third party insurce which is under statues road traffic act compulsary where the re is no compulsary part regured for fire and theft . I havent the time to take them to court on these issues but I am sure somebody will one day and sue thier a$$ for the theft they do

Another friend of mine in ROI gets an irish company to insure him third party and then gets some Dutch insurance comapny to do his comprehensive insurance . He is in the insurance broker racket so not sure if others can pull that off but he gets the comprehensive for 10% the price of Irish companies .

I dont do new cars so I dont need or want the comprhensive so its SEP somebody elses problem

derry

dr.fuzzenstein

derry wrote: »

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Derry

I'm afraid that Freeman on the Land crap doesn't wash with the judiciary.


edit:
I do love your posts though...:)

fmcg_scribe

derry wrote: »

I havent found that to be the case for me . Every year at renewal I shop around full no claims 2 liter diesel car 75BHP age 50 ish and the quotes I got were more third party fire and theft and then i ask for third party only and tell them thats all i want . If they will quote me the price is cheaper but still often more than what i all ready pay so they dont get the busness . Most companies only do third party fire and theft quotes which best I can figure is illegal to strap on extra to third party insurce which is under statues road traffic act compulsary where the re is no compulsary part regured for fire and theft . I havent the time to take them to court on these issues but I am sure somebody will one day and sue thier a$$ for the theft they do

Another friend of mine in ROI gets an irish company to insure him third party and then gets some Dutch insurance comapny to do his comprehensive insurance . He is in the insurance broker racket so not sure if others can pull that off but he gets the comprehensive for 10% the price of Irish companies .

I dont do new cars so I dont need or want the comprhensive so its SEP somebody elses problem

derry

Interestingly, in the UK at least, it is becoming increasingly common for third party insurance quote to be higher than comprehensive insurance quotes - for full driving licence holders, at least. It's easy to test this in price comparison sites. When underwriters are questioned about this, they make the point that statistics indicate that third party (fire and theft) insurance policy holders tend to be involved in more accidents/incidents.

Cleveland Hot Pocket

derry wrote: »

I chose to not take out out fire and theft I only do third party insurance .
My policy is simple if my car catches fire I wont be calling the fire brigade if no life and limb is at risk .If the fire Brigagde chose to come for some unknown reason put out the fire when they send me letter which asks demands or otherwise requests cash the letter will be sent back with
Return to sender
No Liabilty I do not have and International treaty with you
I do not understand your intent
I do not recognize you
No assured Value
Note no full stops comas etc this reply will stop most solitors ( to soliticit to whore ) dead in thier tracks as thye know that means they are wasting thier time no contract exists with me and they can go fly a kite

full explantion at http://peoplesinternetradio.com/forum/topics/return-to-sender-step-by-step-explained-in-full
Many of friends said to they are also cutting costs an getting rid of the fire and theft as they know the theft side you always lose anyway and from the grape vine they heard the fire side is the insuranace compaines are finding too many get out clauses so screw them

the tax payers have all already paid for the fire brigade services as the few cars that catch fire each year for no criminal reason is small so not even worrth the time to collect it .Crimilan fire where cars are stolen why should the motorist suffer from this .My last car which was stolen cuaght fire set fire to other cars beside it ended up a claim against my insurace and the value of the car 2000 they offered me 200 so i told them to stick it and changed to another outfit insurance which did third party only

The only legal car insurance you have to have for the statues road traffic acts is third party insurance .So for me that is all I will give these thieving SOB car insurance companies

Derry

Welcome back
I enjoy reading your drivel

Where can I sign up for your newsletter?

Fred Swanson

This post has been deleted.

endacl

endacl

derry wrote: »

I havent found that to be the case for me . Every year at renewal I shop around full no claims 2 liter diesel car 75BHP age 50 ish and the quotes I got were more third party fire and theft and then i ask for third party only and tell them thats all i want . If they will quote me the price is cheaper but still often more than what i all ready pay so they dont get the busness . Most companies only do third party fire and theft quotes which best I can figure is illegal to strap on extra to third party insurce which is under statues road traffic act compulsary where the re is no compulsary part regured for fire and theft . I havent the time to take them to court on these issues but I am sure somebody will one day and sue thier a$$ for the theft they do

Another friend of mine in ROI gets an irish company to insure him third party and then gets some Dutch insurance comapny to do his comprehensive insurance . He is in the insurance broker racket so not sure if others can pull that off but he gets the comprehensive for 10% the price of Irish companies .

I dont do new cars so I dont need or want the comprhensive so its SEP somebody elses problem

derry

Age 50ish? Seriously?!?

Yawns

coylemj wrote: »

Searching for the word 'brigade' in the various motor policy documents threw up these. RSA was the notable exception, they have no such provision.

Allianz:

We will pay for charges made by a Fire Authority under the Fire Services Act 1981 to:

Control or put out a fire in Your Car or remove the driver or passengers from the Car using cutting equipment. Provided the fire gives rise to a valid claim under Your Policy the maximum We will pay is €1,000.

Aviva:

We will pay for charges made by a fire authority under the Fire Services Act 1981 to:

• control or put out a fire in your car (in circumstances which have given rise to a valid claim under your policy); and
• remove the driver or passengers from the car using cutting equipment.

The most we will pay is €1,000.

Liberty:

We will pay for local-authority charges (in line with the Fire Services Act 1981) for putting out a fire in your vehicle if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers from your vehicle using cutting equipment. The most we will pay is €750.

Axa:

We will pay charges from a local authority (in line with the Fire Services Act 1981) for putting out a fire in your car if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers from your car using cutting equipment.

The most that we will pay for any one claim is €1,000 and a claim under this section will not affect your No Claims Discount

123.ie is underwritten by RSA and this is on their policy

6. Fire Brigade and Emergency Service Fees
We will indemnify You and any named driver using Your Car against liability for fire brigade
and emergency services call out charges to a limit of €1500 provided there is a valid claim
on Your Policy for the event.

https://www.123.ie/downloads/RSAMotorPolicy0714.pdf

Haven't checked for a policy on the RSA site itself, but they might have something similar.

coylemj

Yawns wrote: »

Haven't checked for a policy on the RSA site itself, but they might have something similar.

I did and they don't.

http://www.rsagroup.ie/ProductServices/Motor/pdf/Private_Car_Policy_Booklet_02.13.pdf

But realistically, if the broker says the cover is included, it must be standard in RSA policies. I note that the 123 document you quoted has a later date than the RSA policy document so perhaps RSA haven't posted their latest policy to the web.

Yawns

Always possible. Anyone that's with them, would be advised to check their policy documents and if unsure, ring and ask directly.