Go Back   Horizons Unlimited - The HUBB > Planning, Trip > Trip Paperwork

Trip Paperwork Covers all documentation, carnets, customs and country requirements, how to deal with insurance etc.
Contact Overland Solutions for all your custom modifications and setup for overland travel.

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 11 Mar 2010
John in Leeds's Avatar
Registered Users
HUBB regular
 
Join Date: Jan 2007
Location: North Leeds
Posts: 20
Making a claim for vehicle damage in France

I am aware that UK car insurance covers basic liability in all EU countries but my insurance company refused to pursue a claim for damage when I was rear ended when stationary in mid December. The constat document was properly exchanged and the other vehicle driver clearly liable. I have sent full details to the other driver's insurance company but they are not wanting to deal with me. Does anyone have any experience on how to proceed.

To add insult to injury I purchased my fully comp insurance some 18 months ago through a comparison site on the basis of regular continental use. I took the renewal late last year without thought but failed to read the changes to european use.

I now must give notice of any forthcoming trip, and then pay an excess for any comprehensive cover over 3 days. The wonders of Esure

If I am not going to get paid out then I will get on and do the job myself as I can diy for a just a a few hundred pounds. I think anyone in this situation would be gutted if they suffered serious damage in the same circumstances and totally lost their vehicle.
__________________
"The trouble with the world is that the stupid are cocksure and the intelligent are full of doubt." -Bertrand Russell
Reply With Quote
  #2  
Old 11 Mar 2010
Contributing Vendor
Veteran HUBBer
 
Join Date: Apr 2006
Location: Tallinn, Estonia
Posts: 973
If you were insured with cover extending to Europe, I cannot fathom how they can refuse to pursue it. Otherwise contact the insurance company of the other driver and go from there, especially if there was no dispute of liability...
__________________
Adventure: it's an experience, not a style!
(so ride what you like, but ride it somewhere new!)
Reply With Quote
  #3  
Old 11 Mar 2010
strimstrum's Avatar
Gold Member
Veteran HUBBer
 
Join Date: Aug 2008
Location: Alcester UK & Idilevo, Bulgaria
Posts: 334
Warthog, what JohninLeeds is saying, I think, is that Esure have moved the goalposts since he incepted his policy by way of change at renewal date. Whilst he had 3rd party cover and was legal to drive in France it appears that Esure have now added a requirement to give notice to them to extend the comprehensive part of the policy where the journey is over 3 days duration.

I am an insurance broker and we see this time and time again when individuals arrange their own insurances - might save a few pounds but end up out of pocket.

JohninLeeds - Esure should have issued you with a demands and needs statement when you took out the policy and that should have shown your requirement for frequent overseas travel (as you stated in your posting). At renewal they are obliged to bring to your attention any important changes to your policy. I would be inclined to go back to Esure and bring to their attention that you originally took out their policy because they offered the overseas extension and that you relied on this to be continued at renewal. Otherwise, you are at liberty to sue the 3rd party insurers in France with a civil action in much the same way as you can in the UK.
Reply With Quote
  #4  
Old 12 Mar 2010
John in Leeds's Avatar
Registered Users
HUBB regular
 
Join Date: Jan 2007
Location: North Leeds
Posts: 20
Quote:
Originally Posted by strimstrum View Post
Warthog, what JohninLeeds is saying, I think, is that Esure have moved the goalposts since he incepted his policy by way of change at renewal date. Whilst he had 3rd party cover and was legal to drive in France it appears that Esure have now added a requirement to give notice to them to extend the comprehensive part of the policy where the journey is over 3 days duration.

I am an insurance broker and we see this time and time again when individuals arrange their own insurances - might save a few pounds but end up out of pocket.

JohninLeeds - Esure should have issued you with a demands and needs statement when you took out the policy and that should have shown your requirement for frequent overseas travel (as you stated in your posting). At renewal they are obliged to bring to your attention any important changes to your policy. I would be inclined to go back to Esure and bring to their attention that you originally took out their policy because they offered the overseas extension and that you relied on this to be continued at renewal. Otherwise, you are at liberty to sue the 3rd party insurers in France with a civil action in much the same way as you can in the UK.
That reply was very helpful, thankyou.

Sadly I have tried using your auguments (hard) to get Esure to pick up the claim but to no avail. I have also made efforts with the 3rd party insurer but have got the brush off.

I wonder if you could give me some pointers on starting a civil action in France against the French insurance company. I believe they will pay up quickly if they understand I will not let this go and they will have additional costs to bare.

Lastly your comment on getting insurance direct is a serious point. I will cancel my cover and renew elsewhere. If you would like the business and will not break my bank please contact me
__________________
"The trouble with the world is that the stupid are cocksure and the intelligent are full of doubt." -Bertrand Russell
Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Advice on buying damage repairable Pip the Scotsman Which Bike? 5 30 Dec 2009 23:07
Wheel Damage TS Boy Suzuki Tech 2 21 Mar 2005 01:46
CDI unit damage symptoms? Voytek Yamaha Tech 6 3 Nov 2004 01:46
Tyre damage in Africa... jim Yamaha Tech 2 12 Sep 2004 20:44
Vibration damage rpalmen Photo Forum 3 4 Sep 2003 05:15

 
 
 

NEW! HU 2015 Motorcycle Adventure Travel Calendar is now available! Get your copy now for some terrific travel inspiration!

HUGE, 11.5 x 16.5 inches, beautifully printed in Germany on top quality stock! Photos are the winning images from over 600 entries in the 9th Annual HU Photo Contest!

Horizons Unlimited 2015 Motorcycle Adventure Travel Calendar.

"The calendar is magnificent!"

"I just wanted to say how much I'm loving the new, larger calendar!"

We share the profit with the winning photographers. YOU could be in the HU Calendar too - enter here!


HU DVD Autumn Special!

Take 40% off Road Heroes Part 1 until October 31 only!

Road Heroes features tales of adventure, joy and sheer terror by veteran travellers Peter and Kay Forwood (193 countries two-up on a Harley); Dr. Greg Frazier (5 times RTW); Tiffany Coates (RTW solo female); and Rene Cormier (University of Gravel Roads).

The first in an exciting new series, Road Heroes features tales of adventure, joy and sheer terror by veteran travellers."Inspiring and hilarious!"

"I loved watching this DVD!"

"Lots of amazing stories and even more amazing photographs, it's great fun and very inspirational."

"Wonderful entertainment!"

Check it out at the HU Store! Remember to use Coupon Code 'HEROES' on your order when you checkout.


Renedian Adventures


Renedian Adventures

What others say about HU...

"I just wanted to say thanks for doing this and sharing so much with the rest of us." Dave, USA

"Your website is a mecca of valuable information and the DVD series is informative, entertaining, and inspiring! The new look of the website is very impressive, updated and catchy. Thank you so very much!" Jennifer, Canada

"...Great site. Keep up the good work." Murray and Carmen, Australia

"We just finished a 7 month 22,000+ mile scouting trip from Alaska to the bottom of Chile and I can't tell you how many times we referred to your site for help. From how to adjust your valves, to where to stay in the back country of Peru. Horizons Unlimited was a key player in our success. Motorcycle enthusiasts from around the world are in debt to your services." Alaska Riders

contest pic

10th Annual HU Travellers Photo Contest is on now! This is an opportunity for YOU to show us your best photos and win prizes!

NEW! HU 2014 Adventure Travel T-shirts! are now available in several colors! Be the first kid on your block to have them! New lower prices on synths!

HU 2014 T-shirts now in!

Check out the new Gildan Performance cotton-feel t-shirt - 100% poly, feels like soft cotton!


What turns you on to motorcycle travel?


Global Rescue, WORLDwide evacuation services for EVERYONE

Global Rescue is the premier provider of medical, security and evacuation services worldwide and is the only company that will come to you, wherever you are, and evacuate you to your home hospital of choice. Additionally, Global Rescue places no restrictions on country of citizenship - all nationalities are eligible to sign-up!


New to Horizons Unlimited?

New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!

Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80 G/S motorcycle.

Susan and Grant Johnson Read more about Grant & Susan's story

Membership - help keep us going!

Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events (22 this year!); we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.

You don't have to be a Member to come to an HU meeting, access the website, the HUBB or to receive the e-zine. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.


Books & DVDs

amazon

All the best travel books and videos listed and often reviewed on HU's famous Books page. Check it out and get great travel books from all over the world.


Motorcycle Express for shipping and insurance!

Motorcycle Express

MC Air Shipping, (uncrated) USA / Canada / Europe and other areas. Be sure to say "Horizons Unlimited" to get your $25 discount on Shipping!
Insurance - see: For foreigners traveling in US and Canada and for Americans and Canadians traveling in other countries, then mail it to MC Express and get your HU $15 discount!




All times are GMT +1. The time now is 07:11.