A few weeks ago, I mentioned that our insurer had problems with covering our Land Rover Defender 110 TD5 Dual-Cab as it supposedly did not have an “approved security device”.
We would not be covered for theft of the car until the insurer received proof that we’d had an approved device fitted. (Of course, they charged us the full premium even though we did not have full cover.)
We sent the insurer a letter from a mechanic, plus pages from the handbook, showing that the Defender not only has a factory-fitted immobiliser but we’ve had the factory-fitted alarm activated as well.
Today, we received a letter from the insurer stating that they now accepted that the Defender has an approved security device.
Excellent, I thought, until I opened a second letter.
This letter was also from the insurer and stated that “following from your recent communication” a further premium of £57 was now due.
We show that we have a suitable device, we get the theft part of the comprehensive cover restored as per the original quotation, and now we’re charged even more because we have have the device fitted.
Oh yes, I love insurance companies.
I also love the insurer that hasn’t sorted out repairs to our cottage more than a year after it was seriously damaged by a car.
And I love the insurer that hasn’t yet sent the claim form for the oil that was stolen.
And I love the insurer that never paid for the fence that was ripped out when a car drove through it.
Can’t you feel the love boiling off the screen…