Marmite!! Posted July 25, 2012 Share Posted July 25, 2012 Not sure what anyone else thinks but I met a few Landrover owners at W&P that openly boasted that their LR had never been a Military Vehicle but still declare them to Insurance companys as ex-MV's just becasuse they have chosen to replicate one..(some just have a paint job & bits n bobs bolted on) this sort of behaviour surley brings the movement into disrepute.. they surley must have no valid insurance in place by not disclosing a material fact?? The Importance of your Duty to Disclose to your Insurers all Material Facts. A material fact is every circumstance, which would influence the judgement of a prudent underwriter/insurer in fixing the premium or determining whether he will take the risk. Any change in facts previously notified could be material and must, therefore, be notified. Failure to disclose material facts could result in your insurers voiding the Policy and all claims made under it. The duty of disclosure is ongoing and applies from the moment discussion commences with insurers, prior to the issue of any policy document, throughout the period of insurance and at renewal. The idiots that carry on doing this will in the end push up the cheaper rates we receive for everyone.. there are at least two LR owners on the forum who have civy LR's on MV policies that I know of.. I won't name them but you know who you are.. please stop abusing the system, get proper insurance.. Quote Link to comment Share on other sites More sharing options...
ferrettkitt Posted July 25, 2012 Share Posted July 25, 2012 Not a military vehicle but declared to be so and then found out to be a civvy vehicle after an accident said person will be uninsured and could potentially have so much to loose in monetary value, visits from debt collectors, bankruptcy and possibly marriage breakdown so on so forth. I don't think idiots would quite encapsulate how I think off them Quote Link to comment Share on other sites More sharing options...
gritineye Posted July 25, 2012 Share Posted July 25, 2012 Had a discussion on this very issue at W&P, and the Rugged Robin was mentioned, so in case anyone is interested it is insured TPF&T any driver for show and off road use, all mods declared. As it is SORNed it is insured on a number issued by the insurers to avoid it appearing on any DVLA database, this was their idea and perfectly legal. Cost went up this year but it still Averages out at under £3 per show day, quite happy with that :-) Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
Snapper Posted July 25, 2012 Share Posted July 25, 2012 I can't think of anyone who would be happy to embroiled in a situation where a particular insurance became invalid due to fraudulant acquisition. I do not know whether an insurer would feel bound to honour it in the case of an accident. My view is the same on this as it is on any other issue involving cutting corners - I won't do it and wouldn't encourage it. There is no way a responsible forum like this one should do so, either - and we do not. End of. Quote Link to comment Share on other sites More sharing options...
mike65 Posted July 25, 2012 Share Posted July 25, 2012 Cannot see the point, it is either ex-military or not and doubt if it makes much difference to premiums. Most classic premiums are relatively cheap regardless of what the vehicle is. You can even get cheap insurance on "non-classics" dependent upon usage and age and where you live etc etc. Cannot see the point in lying it will only cost you in the long run. Mike Quote Link to comment Share on other sites More sharing options...
RattlesnakeBob Posted July 25, 2012 Share Posted July 25, 2012 Cannot see the point, it is either ex-military or not and doubt if it makes much difference to premiums. Most classic premiums are relatively cheap regardless of what the vehicle is. You can even get cheap insurance on "non-classics" dependent upon usage and age and where you live etc etc. Cannot see the point in lying it will only cost you in the long run. Mike Totally agree with all points.. ....My old Series 2 civvy is insured through the Series 2 Club and is just over 100 quid a year fully comp with an agreed value ...there can't be many insurance companies out there cheaper than that and if you join the relevant club for your vehicle (series 1 or 2 or 3 etc etc ) you can usually find cheap insurance anyways..... so why bother trying to scam it?.... ....besides.... .....I had a very bad accident back in 1988 and I can assure anyone out there that thinks "Oh I can get away with not telling them that etc"....you can't. I was insured entirely and properly but.... had failed to disclose that I'd changed my occupation between taking out the insurance ....and having the accident.... ..not really important you think?....well...all I can say is ...faced with a very large payout, my insurance company at the time looked at every single detail of my policy and decided that the small matter of my occupation was good enough to wriggle out of covering me.....to cut a long story short ...they did eventually cover me , but took almost 12 months to decide to do so....those intervening 12 months were...to say the very least ...extremely stressful indeed and I would most certainly not recommend the experience to anyone. Quote Link to comment Share on other sites More sharing options...
MiketheBike Posted July 25, 2012 Share Posted July 25, 2012 had failed to disclose that I'd changed my occupation between taking out the insurance it does not surprise me, but in your case thats definately a case of "avoiding paying out" rather than doing what is fair! I have heard stories of house contents insurance not being honoured when folk have been burgled whilst in their back garden because they did not have their house alarm set (for which reason I do not declare an alarm and take the small premium hit). Blatant lying on an insurance application is not only stupid, its totally irresponsible (if you do hit someone and your insurance is not valid, how will they receive recompense!). If in doubt, speak to your broker or the insurance firm direct...better safe than sorry. Quote Link to comment Share on other sites More sharing options...
Gerry275 Posted July 25, 2012 Share Posted July 25, 2012 A couple of weeks ago, I phoned flux re my jeep and mentioned i had resprayed it (last year when i purchased it ,it was gloss green- and to agree value it i sent in pics!) she is now in light olive drab- guess what- I had to pay extra as she is now "modified" oh hum!!! Gerry Quote Link to comment Share on other sites More sharing options...
Snapper Posted July 25, 2012 Share Posted July 25, 2012 Irritating. Quote Link to comment Share on other sites More sharing options...
gritineye Posted July 25, 2012 Share Posted July 25, 2012 I was insured entirely and properly but.... had failed to disclose that I'd changed my occupation between taking out the insurance ....and having the accident.... ..not really important you think?....well...all I can say is ...faced with a very large payout, my insurance company at the time looked at every single detail of my policy and decided that the small matter of my occupation was good enough to wriggle out of covering me.....to cut a long story short ...they did eventually cover me , but took almost 12 months to decide to do so....those intervening 12 months were...to say the very least ...extremely stressful indeed and I would most certainly not recommend the experience to anyone. Intentional insurance fiddlers deserve everything they get, but I wonder how many people who are refused settlements, because of similar unintentional false statements or failure to declare, are added to the uninsured driver figures. Has anyone ever been prosecuted for driving uninsured because some some really picky insurance company? Very hard to get insured after that I would imagine and a bit unfair.. Quote Link to comment Share on other sites More sharing options...
R Cubed Posted July 25, 2012 Share Posted July 25, 2012 I am a little confused here, what is the issue. Is it that the vehicle is insured as an ex military where it was not or the mods carried out on it are not declared. Does it make any difference to the insurance company weather it was a military vehicle or not ? Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted July 25, 2012 Share Posted July 25, 2012 A couple of weeks ago, I phoned flux re my jeep and mentioned i had resprayed it (last year when i purchased it ,it was gloss green- and to agree value it i sent in pics!) she is now in light olive drab- guess what- I had to pay extra as she is now "modified" oh hum!!! Gerry Oh that is totally ludicrous - yes some charge a fixed fee for altering any details, something like £20, but if this is about anything more than that I'd seriously consider changing broker. Try 4counties.co.uk - email rob.h@4counties.co.uk Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted July 25, 2012 Author Share Posted July 25, 2012 I am a little confused here, what is the issue. Is it that the vehicle is insured as an ex military where it was not or the mods carried out on it are not declared. Does it make any difference to the insurance company weather it was a military vehicle or not ? I would of thought so or there would not be Military Vehicle Insurance in the first place.. Quote Link to comment Share on other sites More sharing options...
Diana and Jackie Posted July 25, 2012 Share Posted July 25, 2012 Totally correct - not only is the person likely to be left without insurance - and possibly face a bill of many thousands but they will end up on a register of fraudsters and getting any insurance at all will become difficult. All material facts must be disclosed - period ! (see earlier posts) D&J Not a military vehicle but declared to be so and then found out to be a civvy vehicle after an accident said person will be uninsured and could potentially have so much to loose in monetary value, visits from debt collectors, bankruptcy and possibly marriage breakdown so on so forth. I don't think idiots would quite encapsulate how I think off them Quote Link to comment Share on other sites More sharing options...
Tony B Posted July 25, 2012 Share Posted July 25, 2012 Oh that is totally ludicrous - yes some charge a fixed fee for altering any details, something like £20, but if this is about anything more than that I'd seriously consider changing broker. Try 4counties.co.uk - email rob.h@4counties.co.uk Roadsure have been very patiaent with me. First a Jersey Registration, which require a special cover note, as the insurance has to be displayed on the windscreen, and she was kept 'Overseas'. Then a transfer back to UK adress, then a change to UK registration, all with a smile and very quick and easy. Quote Link to comment Share on other sites More sharing options...
ArtistsRifles Posted July 25, 2012 Share Posted July 25, 2012 Not sure what anyone else thinks but I met a few Landrover owners at W&P that openly boasted that their LR had never been a Military Vehicle but still declare them to Insurance companys as ex-MV's just becasuse they have chosen to replicate one..(some just have a paint job & bits n bobs bolted on) this sort of behaviour surley brings the movement into disrepute.. they surley must have no valid insurance in place by not disclosing a material fact?? The idiots that carry on doing this will in the end push up the cheaper rates we receive for everyone.. there are at least two LR owners on the forum who have civy LR's on MV policies that I know of.. I won't name them but you know who you are.. please stop abusing the system, get proper insurance.. Idiots doesn't come close to describing such ones!!! :mad: Quote Link to comment Share on other sites More sharing options...
mash Posted July 25, 2012 Share Posted July 25, 2012 When i wrote my D2 off my saving grace was all mods declared as it had a full post crash inspection, most but not all mods picked up, it cost nothing to tell the ins coy of the mods and nothing extra to pay for them, however i was assured if they had not of been told i would of been out of over 10k in total. All my vehicles get insured and anything declared the day of fitment. It beats me why people would run the risk of themselves and their family for the sake of a few quid, yes bills can add up, but your family,kids etc are more important than money ever will be. Quote Link to comment Share on other sites More sharing options...
stal108 Posted October 17, 2012 Share Posted October 17, 2012 I see a few points where i think none military things could be insured as military ie replicas say the German ARMOURED CARS?? Maybe? Is a replica ok to insure...? A jeeps made from parts is not military and should not be on this type of policy?? there are many built from new parts never been in service or had a military reg number,,, wonder how many that affects ???? are you rocking the boat or sinking it? a little more thought should be given "measure twice cut once.." I would also point out to many on the bandwagon..... i have a policy with Footman james and nowhere does it say exmilitary it is called a classic commercial policy. Please could you cheak YOURS?. Confirm you have a military policy . If so ill have to get on the them....! chang mine but i think im ok Please advise kind regards,,,,,, How do i stand with my prototype from Vickers???? Quote Link to comment Share on other sites More sharing options...
Tony B Posted October 17, 2012 Share Posted October 17, 2012 As far as any special vehicles goes. Cherished Cars have a specific section for just such things. They also seem to be people who want to do buissness with enthusiasts. I was told we make the best risk, we worry dote and nit pick over the vehicles all the time. :-D Quote Link to comment Share on other sites More sharing options...
Tugger Posted October 20, 2012 Share Posted October 20, 2012 I doubt you are, as up to this point no one knows or should know my insurance affairs, but in case any one is looking in my direction, as a proud owner of a completely fake Military Landrover (which I have never told anyone otherwise and until funds allow a forray into WMIK ownership) I have it insured as a modified LR 110, with 'pictures provided' agreed value, originally on a standard 'limited milage' policy, but now on an 'historic vehicle' policy changed at the suggestion of, and by the insurance co. when it celebrated it's 25th birthday and as such negating the limited milage restriction as an added bonus. (not that running a V8 unroofed brick as an everyday motor is comfortably or financially an option). I agree it's foolish and irresponsible and criminal to knowingly enter fraudulant details to insurance companies and as said previously...to what gain? both military and classic/historic ins. rates are pretty favourable.:undecided: Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted October 20, 2012 Share Posted October 20, 2012 Agreed. Also I'd suggest that military enthusiasts are not treated any differently to any other 'classic' vehicle owners with regard to insurance - we're not some elite section of the vehicle preservation movement. I guess the 'military' oriented policies, whilst no different to other classic policies, tend to be administered separately by brokers (well they always refer back to the insurers/underwriters now!) and insurers/underwriters alike as they do require some specialist knowledge of the military vehicle scene to get right. Quote Link to comment Share on other sites More sharing options...
volvoc303 Posted October 20, 2012 Share Posted October 20, 2012 i have a discovery ex miltary plate inside shoes mil no my other one is ex miltary but from the white fleet civy no but ex raf the mod run lots of civvy motors but when sold our ex mod i think the problern was it brought for show use or not Quote Link to comment Share on other sites More sharing options...
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