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3puttssuck

744 posts

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#252818 13-Jul-2019 08:53
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My Company supplied car was broken into my Radar Detector was stolen. Third time in 11 years this has happened.


I made a claim against my contents policy. My insurance company had previously paid out on the other identical claims in 2009 & 2016.


I couldn't remember which policy, contents or vehicle to claim against, so I did their online chat and they told me contents and I was covered. I then saved the chat transcript.


When I made the claim, they called me to declined it.


I asked to speak to someone as high up as I could. She said 2009 & 2016 was accepted in error. The person on the online chat was wrong to say they would accept my claim.


She then quoted the reason as it was an accessory.


Now a direct quote from my policy...


"Contents covered for present value. Parts & accessories of motor vehicles, motorcycles, motor scooters (other than mobility scooters), trailers and caravans that are not in them or attached to them"


Also....


"Accidental loss. You're covered for sudden & accidental loss to the contents if the loss happens during the period of cover while the contents are in the home or temporarily removed from the home for use anywhere else in New Zealand" 


They were lost to me because they were nicked.


Am I reading these clauses wrong?


Where do I stand and what are my options to pursue?


TIA.


 


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quickymart
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  #2275654 13-Jul-2019 08:58
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Insurance Ombudsman?




Linux
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  #2275657 13-Jul-2019 09:01
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Was it left out for everyone to see? Due care not taken I suspect

  #2275658 13-Jul-2019 09:01
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ask for the reason it was declined?

 

did you take all practical steps to prevent the detector being stolen? or was it just sitting in your windscreen?




scuwp
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  #2275660 13-Jul-2019 09:08
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But it says that you are covered for vehicle accessories that at the time are not in them (which I assume to mean in the vehicle). As the detector was in the vehicle at the time that means you are not covered for that item under this policy.





Lazy is such an ugly word, I prefer to call it selective participation



3puttssuck

744 posts

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  #2275661 13-Jul-2019 09:14
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Jase2985:

 

ask for the reason it was declined?

 

did you take all practical steps to prevent the detector being stolen? or was it just sitting in your windscreen?

 

 

This was the reason they are quoting...."Contents covered for present value. Parts & accessories of motor vehicles, motorcycles, motor scooters (other than mobility scooters), trailers and caravans that are not in them or attached to them"

 

It was attached to the windscreen.


3puttssuck

744 posts

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  #2275662 13-Jul-2019 09:16
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Linux: Was it left out for everyone to see? Due care not taken I suspect

 

It was attached to the windscreen, just like thousands of others are every day in NZ. They didn't mention anything about "Due care" being a factor in rejecting the claim.


Linux
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  #2275664 13-Jul-2019 09:21
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I bet you they have declined the the claim as you left the radar detector out in full view

3puttssuck

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  #2275666 13-Jul-2019 09:29
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Linux: I bet you they have declined the the claim as you left the radar detector out in full view

 

Yes, possibly. But it was in full view back in 2009 & 2016. They need to be consistent.


Linux
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  #2275668 13-Jul-2019 09:33
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3puttssuck:

Linux: I bet you they have declined the the claim as you left the radar detector out in full view


Yes, possibly. But it was in full view back in 2009 & 2016. They need to be consistent.



Rules change / terms and conditions are updated over time

wazzageek
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  #2275669 13-Jul-2019 09:34
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Usual disclaimers, and on the basis of the information provided...

It seems strange that the reason is that “previous claims where in error”. I believe you need to put all this in writing.

I would also contact the insurance ombudsmen.

On the face of it, it would seem that there is a precedence - and there is 4 or 5 years between claims - so whilst there is a trend, it’s not like it’s every month.

I suspect that there may be a case for “company supplied car” - so without seeing the full policy, it’s hard to determine if that’s part of the “paid out in error”.

Good luck.

Mahon
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  #2275676 13-Jul-2019 09:39
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I thought radar detectors became illegal a few years back? Maybe they just talked about making them illegal.


Goosey
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  #2275677 13-Jul-2019 09:41
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sorry to say this, but leaving a radar detector on ya windscreen is asking for trouble. Even if you leave the suction cups / brackets up... a good thief will know to simply check ya glovebox etc.   Given you have lost three now for the same reasons... perhaps best to get a concealed radar install instead.

 

 


cyril7
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  #2275683 13-Jul-2019 09:48
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Mahon:

 

I thought radar detectors became illegal a few years back? Maybe they just talked about making them illegal.

 

 

Not correct, they are legal, as for the OP, I think the other posters have covered it, the detector was in full view and therefore undue care, the fact that the previous claims were accepted is more likely a staff member not realising or understanding the item.

 

Cyril


marej
186 posts

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  #2275684 13-Jul-2019 09:48

just on the due care issue.  I was covered after a break in when the door was left unlocked.  Theft is theft.


xpd

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  #2275685 13-Jul-2019 09:50
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Mahon:

 

I thought radar detectors became illegal a few years back? Maybe they just talked about making them illegal.

 

 

No, still legal, but to get one that actually works properly these days costs a decent whack. 





       Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand

 

                      LinkTree

 

 

 


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