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Computer says not possible!
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wireworld
 


Member Since: 19 Oct 2013
Location: Shropshire
Posts: 145

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Indus SilverDiscovery 4
Computer says not possible!

Don't know whether posting is going to help but I have my Discovery and Defender insured with A-Plan and I can't get my renewal letter "permitted use" text corrected. The bottom line is I have now been told that this is down to a computer error and can't it be rectified but my policy wording will be ok if I renew.

At present it says: -

Use for social, domestic and pleasure purposes and in connection with the business or profession of the policyholder.Use by the spouse or civil partner of the policyholder in connection with their business or profession is also permitted provided they are entitled to drive under this policy.Use for Social Domestic and Pleasure purposes but excluding travelling to and from the users place of business.

Am I the only one that thinks the two sentences contradict each other insomuch as I can use it for my business but I can't use it to get to my place of business in order to use it? The A-Class office thinks this wording is correct if little unclear?

Maybe I am overthinking it?  
Post #218971326th Nov 2020 4:02 pm
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BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

United Kingdom 

Is that the wording on your renewal letter or the actual Insurance Certificate?

Policy wordings don't normally show the use.  
Post #218973826th Nov 2020 5:43 pm
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nigethecat
 


Member Since: 11 Sep 2016
Location: Marnoch
Posts: 4244

Ukraine 2016 Discovery 4 3.0 SDV6 Commercial XS Auto Corris GreyDiscovery 4

I think you have to view each sentence as seperate wording ie.

1. Use for social, domestic and pleasure purposes and in connection with the business or profession of the policyholder.

2. Use by the spouse or civil partner of the policyholder in connection with their business or profession is also permitted provided they are entitled to drive under this policy.

3. Domestic and Pleasure purposes but excluding travelling to and from the users place of business (this part does seem to suggest that they don't cover commuting which is very strange given that you have business use!).

But, yes, it's not worded very well.. my policy wording (also through A-Plan) just says "covered other than the exclusions listed below" which is a lot simpler... I want to see the sweets before I get into your windowless van... I'm not stupid!

Corris Grey D4 Commercial SE 2016
Zermatt Sliver 2007 D3 SE manual (gone)
Indus Silver D4 HSE 2015 (gone)
Bonatti Grey D3 HSE 2006 (gone)
White D3 S (LHD) 2007 (gone)
Firenze Red D4 HSE 2014 (gone)
Black RRS 3.6TDV8 2008 (gone)
Rusty Green Defender 110 1997 (gone)
Black FL2 HSE 2013 (gone)  
Post #218973926th Nov 2020 5:47 pm
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wireworld
 


Member Since: 19 Oct 2013
Location: Shropshire
Posts: 145

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Indus SilverDiscovery 4

They say the policy/ certificate wording includes business but I don’t get that until I accept the renewal.

It’s not insurmountable but in this day and age when insurers have been know to look carefully at wording before paying out there is really no excuse for it not to be right.

The irony here is that the wording on last years renewal letter was spot on.

Rant mode off!  
Post #218975726th Nov 2020 7:06 pm
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352

United Kingdom 

Hi

Can you pm me your name/postcode so I can see which insurer this is?

As a broker we issue the certificates templated by the insurers so we'd need to flag it to them to make an adjustment on their wording if it isn't correct.

Carlie

(Also, sorry I only just saw this post as for some reason didn't get a notification) Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation  
Post #21924168th Dec 2020 2:59 pm
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wireworld
 


Member Since: 19 Oct 2013
Location: Shropshire
Posts: 145

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Indus SilverDiscovery 4

No problem, I’ve PM’d you  
Post #21924268th Dec 2020 3:30 pm
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352

United Kingdom 

Update - insurers are aware and fixing, for the time being a temporary fix is in place for correct wording to be shown. Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation  
Post #21924468th Dec 2020 4:50 pm
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