RedMod3
Member
Just tried that on CompareThe Market. Cheapest Admiral Essential price went up from £509 to £576.
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LV insurance hike - quick sense check
- Thread starter spon88
- Start date
PITA
Model 3 Performance
I always spell our Post Code phonetically to make sure they understand...
KC6 9WH
Kilo Charlie 6 9 Whisky Hotel
For some reason... my quotes are always expensive.
Wattsisname
MY Red/White/Gems
Is the garage at the house or a lockup?
If the latter, they usually attract a higher premium. Otherwise, as you say, counter-intuitive.
People prang their cars putting them into garages, and if a thief breaks into the garage they have more time to break into the car without being seen. Cheapest is nearly always on a driveway.
Wattsisname
MY Red/White/Gems
Which therefore, is safest. Depending on access/egress width, one or two retractable posts/bollards would enhance security and might even attract a premium reduction. Though breath should not be held in that regard, the important thing is to prevent theft.
Then again, Teslas are not famous for being stolen; apparently, we are really paying for the high repair/write off costs...
... but are they more accident prone than other cars of similar power and value?
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PITA
Model 3 Performance
That's what we have on our driveway. Three retractable bollards and cameras.
I don't declare any of it to my insurance company, in case there's one time I don't have them raised for some reason.
Stops delivery drivers and people using your land for turnaround access as well. Or other weirdo's I've heard of actually parking on other people's driveways then going on Holiday, or a venue.
Wattsisname
MY Red/White/Gems
That is, on the face it, quite funny and yet totally understandable; I can see me forgetting and then, Sod's Law prevails....
Some months ago, I switched off Sentry in app and accidentally touched the lock symbol in the row of four; fan etc..
I discovered this about 20 minutes later and locked the car. In that short time ( outside the house) somebody tried the door and finding it unlocked, took two rather nice vacuum mugs. There was nothing else available to them.
Yep! Sod's Law!
PITA
Model 3 Performance
Yep... sods law.
Because it's not just me who has access to the bollards, if my Wife forgot and drove off... I've still got scope for Insurance & no-Divorce inducing tantrum
To be fair though, she's very good at sorting it all out as they're gas strut assisted, so not heavy.
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Wattsisname
MY Red/White/Gems
If only the manifestations of immorality and amorality at all levels of society were limited to car theft. But, as you say, slightly off topic.
PITA
Model 3 Performance
It isn't our Society anymore. It's a cultural blend of Societies. Some of which don't give a f...
Masklin
Member
If at least part of the argument for higher premiums with garaged cars is that some accidental damage may occur whilst going in or out of it, then same should apply for bollards. Undoubtedly someone somewhere will forget when they are raised and hit them, ergo everyone with bollards needs to be penalised financially also.
Wattsisname
MY Red/White/Gems
...... whilst being rewarded with a lower premium for negating the risk of theft by having bollards.Exclusions. Any claim for theft of the vehicle from home if you left the bollards down.
Any claim for damage caused by failure to lower the bollards when egressing the property.
We also provide premium reductions if:
You never park at supermarkets including shopping centre carparks or airports or never pick up children from outside schools. These discounts can be further augmented if you never park anywhere near Liverpool or Birkenhead. .....or adjacent to a Range Rover Vogue.
This is not an exhaustive list of possible premium lowering exclusions, if the underwriters were willing to get that granular
. Any suggestions? (apart from keeping the car in a remote bank vault and never driving).
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spooksman
Member
PITA
Model 3 Performance
Penalty for overheating and damaging the BMS ... and the flock of angry Canadian Geese crashing onto it thinking its a pond.
PITA
Model 3 Performance
I thought this when I first had them installed... how long before I crash into them.
But no... nowhere close.
I've forgotten to unhook the charge cables, but never the bollards.
RedMod3
Member
Yes, agreed, I have CCTV coverage inside our garage as well as the drive; received no discount for CCTV.
Just checking cars are still there....
Masklin
Member
Maybe I should fit bollards at the entrance to the garage, I could get them interconnected so that as door goes up bollards go down and vice versa.
Then the premium increase for using garage will be offset by the discount for having bollards.
A cunning plan…
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