Check your insurance policies…ASAP

[KevH]

So…thinking back to the original posting - a warning to check European insurance cover - am I right in thinking that for your usual type of European visit LV cover is fine?
And for anything beyond that, including off road stuff (other than campsites) specialist cover needs to be considered?
And if you are not competent to tackle a drive, don’t attempt it?
And don’t blame somebody else if/when you ignore all of the above?
Hmmm… it’s not rocket science is it.
Just saying

 

[RockinNRollin]

Bottom line is always read the policy wording and don't assume anything. Insurance companies can and do change the fine print. Unless you have very specialist cover, there's likely to be exclusions for some situations and I imagine off-roading is one of them, irrespective of if you're in Morocco, the EU or the UK.

 

[California Rob]

Not checked lately but--

In the Green Card days it stated that Insurance was to that level required in the Country being visited.

Very non definitive. A case of assume the worst and hope for the best.

If i remember correctly it used to say the insurance was to the minimum leave required by that country. When i drove to Poland i had to pay extra to vw insurance to be covered fully comp.

 

[chockswahay]

So then, whilst I was quick enough to 'judge' these people for their level of incompetence and lack of forward thinking, I have to admire their tenacity and 'grit' in dealing with the aftermath and just 'getting on with it'. I watched the whole video of the uprighting and recovery of the van and I do feel for them.

 

[soulstyledevon]

So then, whilst I was quick enough to 'judge' these people for their level of incompetence and lack of forward thinking, I have to admire their tenacity and 'grit' in dealing with the aftermath and just 'getting on with it'. I watched the whole video of the uprighting and recovery of the van and I do feel for them.

Guilty too.
I think it was a genuine mis-calculation. Just one of those things.
You have to admire how they’ve dealt with the aftermath…

 

[chockswahay]

I suspect they got caught up in the 'Instagram' thing, pushing further for that perfect photo, story etc to post on their 'gram.

 

[Ch1pbutty]

I suspect they got caught up in the 'Instagram' thing, pushing further for that perfect photo, story etc to post on their 'gram.

Now they have 7 years of bad luck to look forward too.

 

[soulstyledevon]

I suspect they got caught up in the 'Instagram' thing, pushing further for that perfect photo, story etc to post on their 'gram.

We’ve all been there…

 

[Corradobrit]

Had they not slid down the hill out of control I think the story would have been very different. It's like hitting black ice, once the wheels lock you are not the master of your destiny.
The mud track looked too much for their vehicle, given weight distribution and clearance.
But they've put a brave face on the situation, especially the wife, and chalked it up to experience. The damage is not terminal and no one was injured. It will be a good story to tell the family when they get back.

 

[Vagophile]

I haven't been following this closely (zero social media and all the better for it), but I see that they are travelling with another couple in a motorhome who I think are relatives or friends. It seems strange to me that if this was to be a joint enterprise they didn't compare insurance arrangements.

 

[Ting Tong]

She says they paid £2500 for the insurance: that’s a pretty hefty premium for just third party cover in the EU.

Our LV policy (below) says we have the same cover as we do in the U.K. for 180 days.

An employee of a friend of mine flipped their work caravelle like that on ice and needed a new engine because of oil starvation on its side: that couple were lucky all round but the structural aluminium sandwich panels on those Hymers are not as replaceable as he thinks.

 

[Anthony1]

Always read the small print before you sign anything, simple as that.

Probably worth sticking to tarmac in future. Driving a 4 x 4 does not make you invincible, no matter how much you paid for it. Need to take responsibility for your own actions, rather than jumping on the social media train.

Some small print runs to dozens of pages.

 

[Homesteader]

OK, I have just watched a few of their video's........... showed the one involving the incident to my wife........ "Complete Idiots!" was her first comment I gotta agree! I'm thinking along the lines of 'All the gear and no idea!'

They had it coming!

On one deserve an accident. On matter how much or how little they have. On one deserves bad luck

 

[Corradobrit]

On one deserve an accident. On matter how much or how little they have. On one deserves bad luck

Chocs wasn't wishing bad luck on them, just that with a little common sense and forethought that situation was easily avoidable. Sooner or later their inexperience and gung hoe attitude was going to get them into trouble. At the end of the day its the wrong vehicle for that sort of terrain. Hopefully a lesson was learned.

 

[Celia Vanchez]

If anyone saw the post a few days ago, about the couple with a Hymer 4x4 who toppled onto its side in Spain.
It might be worth checking your insurance policies about the level of cover you have when driving in Europe.

This couple had fully comprehensive cover and believed they were covered fully for any incidents in the UK and Europe. Turns out the policy with LV only covers Europe for third party cover. Something in the small print which they were not made aware of…

They really have had some bad luck.
It’s worth checking the level of cover you have if heading over to Europe…

Here’s a link to their Vlog

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Sadly, as is with insurance and too good to be true offers, what the big print gives you the small print takes away

 

[Grigio Van Grigio]

Sadly, as is with insurance and too good to be true offers, what the big print gives you the small print takes away

Probably worth mentioning that there isn’t small print in insurance policies. It is the same size print. But you’re right, there are terms and conditions that both extend and restrict cover. If we didn’t have these terms and conditions, you may have cover for every eventuality but it would be prohibitively expensive.

Not sure about you but I don’t want to be paying extortionate premiums just so someone whose ambition has exceeded their capability gets their claim paid.

Two things (on the face of it) makes this situation different to a standard exposure; the fact that they are touring the world (as opposed to the odd holiday) and the off-road use. Both would demand you pay extremely close attention to the extent of your insurance policy, ensure you provided full disclosure to Insurers and paid an appropriate premium. And if you feel unqualified to assess that, use an insurance broker.

IMHO!

 

[Ch1pbutty]

Sadly, as is with insurance and too good to be true offers, what the big print gives you the small print takes away

Not always the case. Many have exactly the same cover/small print but a huge price differential on the premium.

 

[Anthony1]

Probably worth mentioning that there isn’t small print in insurance policies. It is the same size print. But you’re right, there are terms and conditions that both extend and restrict cover. If we didn’t have these terms and conditions, you may have cover for every eventuality but it would be prohibitively expensive.

Not sure about you but I don’t want to be paying extortionate premiums just so someone whose ambition has exceeded their capability gets their claim paid.

Two things (on the face of it) makes this situation different to a standard exposure; the fact that they are touring the world (as opposed to the odd holiday) and the off-road use. Both would demand you pay extremely close attention to the extent of your insurance policy, ensure you provided full disclosure to Insurers and paid an appropriate premium. And if you feel unqualified to assess that, use an insurance broker.

IMHO!

Small print is a figure of speech these days, as it used to be small/fine print. Having said that, I agree with you completely.

 

[willwander]

Should also check their home insurance.
Often invalid if you away from home for more than 30 days at a time.