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Thread: Badly worded policy

  1. #1
    Regular Member m8internet's Avatar
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    Default Badly worded policy

    Found this in a policy which someone has sent me for clarification, and it's got me confused too! :
    "Cover does not apply to vehicles that are not new at the start of the policy"

    The usual trick with double negatives is to take them out and re-read, and this is what we get :
    "Cover does apply to vehicles that are new at the start of the policy"

    Within the eligible vehicles section :
    "vehicles purchased within the last seven days, with less than 100 miles and where you are the first Registered Keeper"
    That's a tough criteria to meet!

    The wording seems completely inappropriate for a warranty policy

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    Regular Member mark_647's Avatar
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    Very confusing lol, what exaclty is the last phrase getting at ?

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    Regular Member m8internet's Avatar
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    When I bought my policy, it applied to cars up to seven years old or 70K miles
    I referred someone and suggest they look at it, they then sent me the link to the policy document

    The policy has quite clearly changed to new customers. so I contacted them (amazingly I got a response)

    The policy is only available to people with a new car, registered within 7 days and up to 100 miles
    The qualifying page on the website also says it can only be purchased with GAP Insurance, but there is actually no mention of that in the policy document!

    I was always under the impression that if an insurance policy changes (significantly) then all policy holders must be told
    I would say that is quite significant, as I bought mine when my car was three years old and just before 70K miles
    Going by the current criteria a claim would be rejected!

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    Regular Member Ste's Avatar
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    Default

    It just means that new policies taken out have different criteria to when you took yours out. That's not a problem to you, as you would still be bound by the older rules in force at the time you took your policy out.

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