06-06-2024, 12:20 PM
My small but distinguished fleet of historic machinery is insured either with RH or Routen Chaplain.Whilst I would have preferred not to have had any experiences regarding claims, they have both been very good. Both know about our sort of machines, both answer the phone and often one staff member deals with the issue and has access to all necessary info. They are capable for fighting off tides of nonsense from the companies repenting other drivers. My experience of dealing with insurers of the dear lady wife's modern could not be more different, and deeply infuriating. It also gives a glimpse into another world of "motor engineers" and car body shops that seem to exist only and makes lots of money under the cheerful banner "it's an insurance job!"
The forum notes above relate to correct cover for events such as shows. One question specifically asked about the damaged Ruby was where I had been and what I was doing. This had nothing to do with personal activities, but to ensure that I was not occupying a weekday afternoon with something that the other party's insurance would use as an excuse not to admit any liability. This lead to a conversation not only about being a white ribboned wedding car for anyone other than immediate family, but any sort of motor sport. Cover is extended to nav rallies and road sections of rallies and trials organised by clubs affiliated to MSUK, and thus permitted by MSUK and under their regulations. Cover is very specifically excluded for events described as competitive events organised by unaffiliated clubs.
For a number of years there have been forum snaps of the happy Austin Seven winners of prizes and awards in the Vintage Morris Register Summer Navigation Rally. Taking to my insurer made evident that if the xxxing idiot had driven into me when I was displaying a competitor's number, or found to be on an event without a MSUK permit, this would have been seized on as a reason for me being uninsured. This would also apply in the event of some incident regarding public liability.
This year, due to the VSCC Anniversary gathering, the LCES will not be having their Summer Rally. The VMC have invited LCES members to enter the VMC Summer Rally, this was circulated by the LCES, and the entry list indicates some LCES members and some Austin Seven owners taking up this invitation. Some forum members might think that the Blue Book is a slightly risque French novel with naughty illustrations by Aubrey Beardsley, some of us will have a copy on our shelves because we need to know the requirements for keeping within the law, and being covered by the very large insurance offered by MSUK for affiliated clubs such as PWA7C and Inter Register.
The Vintage Morris Register is not an affiliated club. Contrary to a recent statement by an organiser of its Summer Navigation Rally, it does not have an MSUK permit. anyone choosing to enter that competitive event will not be covered by the organiser's third party or public liability cover as they do not appear to have any. Any Seven owners thinking of entering the VMC Summer Navigation Rally should speak to their insurers, who may offer an additional cover for a fee, or may say that the organisers do not fulfill the requirements. Any unfortunate incident involving another competitor, a horse or a little grey Fergie may not be at all the fault of the driver, but any other parties discovering a lack of insurance will mean no protection whatsoever for that driver.
Some forum contributors may find this, and the lack of correct public liability cover offered by show organisers to merely be boring bureaucracy. It may indeed be like that for some time, until the first major incident.
And now, back to the workshop.
The forum notes above relate to correct cover for events such as shows. One question specifically asked about the damaged Ruby was where I had been and what I was doing. This had nothing to do with personal activities, but to ensure that I was not occupying a weekday afternoon with something that the other party's insurance would use as an excuse not to admit any liability. This lead to a conversation not only about being a white ribboned wedding car for anyone other than immediate family, but any sort of motor sport. Cover is extended to nav rallies and road sections of rallies and trials organised by clubs affiliated to MSUK, and thus permitted by MSUK and under their regulations. Cover is very specifically excluded for events described as competitive events organised by unaffiliated clubs.
For a number of years there have been forum snaps of the happy Austin Seven winners of prizes and awards in the Vintage Morris Register Summer Navigation Rally. Taking to my insurer made evident that if the xxxing idiot had driven into me when I was displaying a competitor's number, or found to be on an event without a MSUK permit, this would have been seized on as a reason for me being uninsured. This would also apply in the event of some incident regarding public liability.
This year, due to the VSCC Anniversary gathering, the LCES will not be having their Summer Rally. The VMC have invited LCES members to enter the VMC Summer Rally, this was circulated by the LCES, and the entry list indicates some LCES members and some Austin Seven owners taking up this invitation. Some forum members might think that the Blue Book is a slightly risque French novel with naughty illustrations by Aubrey Beardsley, some of us will have a copy on our shelves because we need to know the requirements for keeping within the law, and being covered by the very large insurance offered by MSUK for affiliated clubs such as PWA7C and Inter Register.
The Vintage Morris Register is not an affiliated club. Contrary to a recent statement by an organiser of its Summer Navigation Rally, it does not have an MSUK permit. anyone choosing to enter that competitive event will not be covered by the organiser's third party or public liability cover as they do not appear to have any. Any Seven owners thinking of entering the VMC Summer Navigation Rally should speak to their insurers, who may offer an additional cover for a fee, or may say that the organisers do not fulfill the requirements. Any unfortunate incident involving another competitor, a horse or a little grey Fergie may not be at all the fault of the driver, but any other parties discovering a lack of insurance will mean no protection whatsoever for that driver.
Some forum contributors may find this, and the lack of correct public liability cover offered by show organisers to merely be boring bureaucracy. It may indeed be like that for some time, until the first major incident.
And now, back to the workshop.