Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.




595 posts

Ultimate Geek

Subscriber

# 252818 13-Jul-2019 08:53
Send private message quote this post

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.


 


View this topic in a long page with up to 500 replies per page Create new topic
 1 | 2 | 3
4564 posts

Uber Geek


  # 2275654 13-Jul-2019 08:58
One person supports this post
Send private message quote this post

Insurance Ombudsman?


5108 posts

Uber Geek

Trusted
Lifetime subscriber

  # 2275657 13-Jul-2019 09:01
Send private message quote this post

Was it left out for everyone to see? Due care not taken I suspect

 
 
 
 


8753 posts

Uber Geek

Lifetime subscriber

  # 2275658 13-Jul-2019 09:01
Send private message quote this post

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?


3189 posts

Uber Geek


  # 2275660 13-Jul-2019 09:08
3 people support this post
Send private message quote this post

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.





Always be yourself, unless you can be Batman, then always be the Batman





595 posts

Ultimate Geek

Subscriber

  # 2275661 13-Jul-2019 09:14
Send private message quote this post

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.




595 posts

Ultimate Geek

Subscriber

  # 2275662 13-Jul-2019 09:16
Send private message quote this post

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.


5108 posts

Uber Geek

Trusted
Lifetime subscriber

  # 2275664 13-Jul-2019 09:21
Send private message quote this post

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

 
 
 
 




595 posts

Ultimate Geek

Subscriber

  # 2275666 13-Jul-2019 09:29
Send private message quote this post

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.


5108 posts

Uber Geek

Trusted
Lifetime subscriber

  # 2275668 13-Jul-2019 09:33
Send private message quote this post

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

Go Hawks!
941 posts

Ultimate Geek

Trusted
Subscriber

  # 2275669 13-Jul-2019 09:34
Send private message quote this post

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.

14 posts

Geek


  # 2275676 13-Jul-2019 09:39
One person supports this post
Send private message quote this post

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


1837 posts

Uber Geek

Subscriber

  # 2275677 13-Jul-2019 09:41
Send private message quote this post

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.

 

 


6835 posts

Uber Geek

Trusted
Subscriber

  # 2275683 13-Jul-2019 09:48
Send private message quote this post

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


143 posts

Master Geek


  # 2275684 13-Jul-2019 09:48
quote this post

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


xpd

Chief Trash Bandit
9820 posts

Uber Geek

Mod Emeritus
Trusted
Lifetime subscriber

  # 2275685 13-Jul-2019 09:50
Send private message quote this post

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. 





XPD / Gavin / DemiseNZ

 

Server : i5-3470s @ 3.50GHz  16GB RAM  Win 10 Pro    Workstation : i5-3570K @ 3.40GHz  20GB RAM  RX580 4GB Win 10 Pro    Console : Xbox One

 

https://www.xpd.co.nz - Games, emulation, geekery, and my attempts at photography.     Now on BigPipe 100/100 and 2Talk

 

Emulation - The art of getting your $4000 PC to run an 80's system - and still fails.


 1 | 2 | 3
View this topic in a long page with up to 500 replies per page Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Disney+ streaming service confirmed launch in New Zealand
Posted 20-Aug-2019 09:29


Industry plan could create a billion dollar interactive games sector
Posted 19-Aug-2019 20:41


Personal cyber insurance a New Zealand first
Posted 19-Aug-2019 20:26


University of Waikato launches space for esports
Posted 19-Aug-2019 20:20


D-Link ANZ expands mydlink ecosystem with new mydlink Mini Wi-Fi Smart Plug
Posted 19-Aug-2019 20:14


Kiwi workers still falling victim to old cyber tricks
Posted 12-Aug-2019 20:47


Lightning Lab GovTech launches 2019 programme
Posted 12-Aug-2019 20:41


Epson launches portable laser projector
Posted 12-Aug-2019 20:27


Huawei launches new distributed HarmonyOS
Posted 12-Aug-2019 20:20


Lenovo introduces single-socket servers for edge and data-intensive workloads
Posted 9-Aug-2019 21:26


The Document Foundation announces LibreOffice 6.3
Posted 9-Aug-2019 16:57


Symantec sell enterprise security assets for US$ 10.7 billion to Broadcom
Posted 9-Aug-2019 16:43


Artificial tongue can distinguish whisky and identify counterfeits
Posted 8-Aug-2019 20:20


Toyota and Preferred Networks to develop service robots
Posted 8-Aug-2019 20:11


Vodafone introduces new Vodafone TV device
Posted 7-Aug-2019 17:16



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.