Good Evening All,
I've been lurking here for a while and following this thread with interest and thought I'd add my twopenn'orth! My experience with Adrian Flux is different from that of 97fm. I'm insured with KGM Classic through AF and sent the following message as a result of this thread - apologies, this is going to be quite long!
I have been following a discussion* on the TR Register forum regarding insurance cover requirements and the use the hood and would like some clarification regarding my policy!
*TR6 Forum - 'Insurance theft limitation clause', thread started 27 April 2018.
1) The following excerpts are from my policy and schedule documents:
Section 2 – Loss of or Damage to Your Vehicle
What is not covered under this section
Loss of or damage to your vehicle if it is unoccupied and any of the following applies: ...
iv. It has been left with the windows or sunroof open;
v. If reasonable precautions have not been taken to protect it.
PCG – Garaging
This insurance excludes Section 2 - Loss of or Damage to Your Vehicle unless your vehicle is kept in a securely locked garage (as defined in the Policy Document) between the hours of 10:00 PM and 6:00 AM. This restriction does not apply when you are in the course of a journey or are staying overnight in attendance with the vehicle away from your home address and/or declared
Q1) If the hood is not erected under the following conditions, is the insurance invalidated:
a) whilst paying for petrol, the keys removed, the doors are locked, windows up and the vehicle is in full view;
the vehicle is going to be left unattended for up to 30 minutes, but not overnight, the keys removed, the doors are locked, windows up, a Stoplock Pro is used and the battery is disconnected;
c) the vehicle is parked on the drive at the home address, but not overnight, the keys removed, the doors are locked, windows up, a Stoplock Pro is used and the battery is disconnected;
d) how would the use of a tonneau cover relate to the above exclusions?
Post #42, by the TRR Insurance Liaison officer, in the above mentioned TRR thread states 'The policy conditions under our TR Register scheme included putting your hood up when the vehicle was left unattended, however during a meeting with the KGM scheme underwriter this was amended. Unless you have a power hood on your TR this no longer applies.' Would this be applicable to my KGM policy?
2) XPS – Excluding Personal Belongings
It is agreed that Section 5 - Personal Belongings in the policy document is inoperative and does not apply to this insurance.
Q2) Does this also apply to personal belongings locked in the boot?
AF's response on the 15th of this month was...
We can advise that your vehicle is covered when the hood is down, provided that relevant security precautions have been taken. However, we note that when garaged overnight the hood would need to be up. With regards to your personal belongings these would also be covered provided that they are stored in the locked boot.
So from that, it would appear that as long as you take 'reasonable precautions' to secure the vehicle, you don't need to put the hood up - as Derek H posted! I don't see how putting the hood up in the garage helps though!