Today's Message Index:
----------------------
1. 05:10 AM - Insurance (Richard Holder)
2. 06:49 AM - Re: Insurance (Sean O'Reilly)
3. 01:03 PM - Re: Insurance (Pete Lawless)
4. 01:37 PM - Test (MICHAEL PARKIN)
5. 01:42 PM - Re: Insurance (Vaughn Teegarden)
Message 1
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--> Europa-List message posted by: Richard Holder <rholder@avnet.co.uk>
Hi teams, (UK only ! others can ignore).
I am negotiating with insurers for renewal of my insurance.
All the quotes are for 1,000,000 Liability.
I believe there is some suggestion that Europe (the dreaded EU) will be
upping the requirement to 1,500,000 from April.
Does anyone know anything about this ?
If I start out at 1M and the insurers can justifiably charge extra in April
they will have carte blanche to charge whatever they like with no argument.
A recipe for getting overcharged !
One insurer has said that I am covered for 1M and that the next stage for
cover is 2M for an extra 105. When I suggested that I only needed 0.5M
extra, therefore for 52.50, the broker claimed that the underwriter sets
the rules and the stages !
These brokers are quick to blame others for these things, but when you start
to tell them that other brokers are more competitive they often reduce the
premiums - claiming a mistake was made ! The mistakes are always in their
favour !
Unless anyone knows different !
Richard
Richard F.W. Holder 01279 842804 (POTS)
Bell House, Bell Lane, 01279 842942 (fax)
Widford, Ware, Herts, 07860 367423 (mobile)
SG12 8SH email : richard.holder@avnet.co.uk
Europa Classic Tri-gear : G-OWWW, High Cross
PA-28-181 : Piper Archer : G-JANA, EGSG (Stapleford)
Message 2
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--> Europa-List message posted by: "Sean O'Reilly" <seanmoreilly@hotmail.com>
Richard,
The relationship between increases in 3rd Party Liability coverage and
corresponding premium is not a linear one - the increases in premium should
get smaller for each unit increase in coverage.
The question I ask myself is how easy would it be to reach the 1.0m / 1.5m
GBP limits - you would be unlucky but its not an impossible to conjure up a
scenario of an incident that got there! Guess its a question of working out
what you are prepared to pay for peace of mind...
Sean O'Reilly
G-BWWB
Message 3
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--> Europa-List message posted by: "Pete Lawless" <pete@lawless.info>
Trouble is Sean, as I understand it, "peace of mind" does not come into
it any more. This is just straight legislation. You will have to have
the cover wether you want it or not, just like your car.
Pete
-----Original Message-----
From: owner-europa-list-server@matronics.com
[mailto:owner-europa-list-server@matronics.com] On Behalf Of Sean
O'Reilly
Subject: RE: Europa-List: Insurance
--> Europa-List message posted by: "Sean O'Reilly"
--> <seanmoreilly@hotmail.com>
Richard,
The relationship between increases in 3rd Party Liability coverage and
corresponding premium is not a linear one - the increases in premium
should
get smaller for each unit increase in coverage.
The question I ask myself is how easy would it be to reach the 1.0m /
1.5m
GBP limits - you would be unlucky but its not an impossible to conjure
up a
scenario of an incident that got there! Guess its a question of working
out
what you are prepared to pay for peace of mind...
Sean O'Reilly
G-BWWB
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Message 4
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--> Europa-List message posted by: "MICHAEL PARKIN" <mikenjulie.parkin@btopenworld.com>
Just seeing if the spam blocker is still blocking.
Message 5
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--> Europa-List message posted by: "Vaughn Teegarden" <N914VA@starband.net>
Here in the USA, my peace of mind comes from the second amendment, not from an
insurance company and certainly not from the government. Talk about your blanket
coverage!
Vaughn Teegarden
Somewhere between a month and a year
of putting the top on wings and fuselage
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