Are you re­ally in­sured?

Canal Boat - - Letters - STU­ART TYLER, via email

I WON­DER if you could help us please. With­out any dis­cus­sion our in­sur­ers can­celled our car in­sur­ance pol­icy and the rea­son we were given was that be­cause the car was not kept at the place of res­i­dence that we ini­tially stated. They were not pre­pared to dis­cuss if any op­tions were avail­able to us so we have been left ma­rooned and not able to use our car.

We have dis­cov­ered a very se­ri­ous sit­u­a­tion with the car in­sur­ance com­pa­nies if you own a boat or live on one and have a car. It would ap­pear that in cer­tain sit­u­a­tions your car is not in­sured even though you think it is.

1. Any­one who takes their boat on a cruise, takes their car­a­van, mo­tor home and takes their car with them are not nec­es­sar­ily in­sured even though they think they are. This is be­cause the car is not at the place where the car is orig­i­nally kept.

The im­pli­ca­tions of this for the thou­sands of peo­ple who go away and do this is hor­ren­dous.

2. If you are a con­tin­u­ous cruiser liv­ing on a boat there are no in­sur­ance com­pa­nies that we can find who will in­sure our car. This is be­cause we do not have a fixed ad­dress we do how­ever have a postal ad­dress.

As I am semi-dis­abled, this is ex­tremely dif­fi­cult for me be­cause of my hos­pi­tal ap­point­ments for my bronchiec­ta­sis, my back prob­lem, so I need my car be­cause of my health is­sues, I walk with a stick and can’t walk very far.

The sit­u­a­tion is much worse than we thought, it would ap­pear that we can only get car in­sur­ance if we go into a ma­rina and stay there per­ma­nently.

We asked what was the length of time that we could take our car and our boat out to­gether from our moor­ing or place of res­i­dence and the an­swer was we can’t. Their re­sponse was that be­cause the car was away from the moor­ing or place of res­i­dence they could not in­sure us. This also ap­plied if you wanted to travel the coun­try in your car­a­van and mo­tor home.

We are ap­palled at the in­sur­ance com­pa­nies’ at­ti­tude and this se­verely re­stricts any­one with dis­abil­i­ties or lim­ited dis­abil­ity like me from go­ing any­where.

I think this will be a shock to ev­ery­one who think they can freely travel the coun­try.

I think there is a real case here to pur­sue car in­sur­ance com­pa­nies to change their stance with re­gard to peo­ple who want to travel. We can­not see why they will al­low travel in­sur­ance abroad where they al­low you to travel freely and will not is­sue a sim­i­lar type of pol­icy to al­low us to do the same in our own coun­try.

We hope that you might be help us per­suade the in­sur­ance com­pa­nies to change their stance on the fun­da­men­tal is­sue of be­ing able to travel the wa­ter­ways with our car and if pos­si­ble find an in­sur­ance com­pany who in­sure our car.

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