What are you all up to
House more or less decorated although not bothering with outside60768 replies
Wherenext replied on 26/08/2024 15:00
Posted on 26/08/2024 12:26 by vbfgI was surprised to see on the Sky Sports Racing Channel, that the Club sponsor a number of horse races at Uttoxeter, which I assume must cost quite a bit.
Takethedogalong replied on 26/08/2024 17:06
Posted on 26/08/2024 14:57 by Wherenextbut will remember to include it on my house insurance as well.
VFBG - Hope your home insurance isn't with any of the subsidiaries of Lloyds Banking Group. We had 2 expensive bikes and Thule carrier covered with Halifax a few years ago. After 3 years they suddenly realised they shouldn't be covering them at all and cancelled the cover straightaway, refunding that portion of premium to me plus an amount for inconvenience. They couldn't get it into their head that the car insurers only picked up Public Liability cover providing bikes were on the bike carrier at time of any accident. They told me the car insurers should pick up the damage to the bike, whilst on the car which of course was absolute rubbish. Motor insurers wouldn't be picking up the damage to a caravan in a road accident, same principle. Motor insurers agreed with my assessment. Anyway I found an alternative quite easily and Halifax agreed to cancel my home insurance on a pro-rata basis.
Make sure you get the insurers to admit that the Motorhome is counted as a fixed item as they often have a condition that the bikes are secured to a fixed object when not being used or in a securely locked building (check they also cover in garages, most won't cover sheds).
Enjoy your new bike.
Posted on 26/08/2024 17:06
It’s a bit of a nightmare is bike insurance, especially for very expensive ones. We actually use Pedalsure who are a specialist bike insurance for our House insurance, as they are the only ones that seem to understand things clearly. We’ve had bikes stolen from home (garage) but thankfully, at the time we had all the receipts, and our local bike shop provided us with full details of all our purchases, so we got a full payout, plus repairs to garage. Some tea leaf will have spotted us putting them away😡 We got a phone call from police months later, thinking they had found OH’s very distinctive bike, but it wasn’t.
milliehull replied on 26/08/2024 19:06
nelliethehooker replied on 26/08/2024 21:51
Posted on 26/08/2024 21:51
It has been better than forecast, with only an odd short shower. I finished the cleaning of the inside of the caravan so only the outside to do before we next head off again. We did pay a visit to our local park this morning before doing some essential shopping. I can't match Millies's lovely photos but here are a couple of the one of the arrangements there, and a new one of Flyte in his summer "perm".
Gallery
4 people like this
milliehull replied on 27/08/2024 07:42
DSB replied on 27/08/2024 07:53
Posted on 27/08/2024 07:53
Bit of a difficult day yesterday. Lizzie (the dog), who in now 13, was taken ill and we had to take her to the local vet in Stornoway. 'Went outside' yesterday morning and collapsed on the way in. The vet said she had a high temperature and suspected a stomach infection. They've kept her in over night and have treated her with anti-biotics, so we have to wait for an update. Apparently, she was looking brighter yesterday afternoon, but as we are staying an hour away, they decided to keep her in, just in case she needed any emergency treatment.
We'll be ringing this morning for an update.... 😢
David
DSB replied on 27/08/2024 11:30
RedKite replied on 27/08/2024 11:42
Posted on 27/08/2024 11:42
That is good news DSB and hopes she continues to recover.
Well another warm day and the same for the next few days, washing done and will soon dry in this heat.
Friend of ours is going in to hospital tomorrow to have a small Hernia operation should be just a day but will have to see how he is after the operation good job they do not have any guests at the moment but a few next month.
DSB replied on 27/08/2024 12:09
vbfg replied on 27/08/2024 12:09
Posted on 26/08/2024 14:57 by Wherenextbut will remember to include it on my house insurance as well.
VFBG - Hope your home insurance isn't with any of the subsidiaries of Lloyds Banking Group. We had 2 expensive bikes and Thule carrier covered with Halifax a few years ago. After 3 years they suddenly realised they shouldn't be covering them at all and cancelled the cover straightaway, refunding that portion of premium to me plus an amount for inconvenience. They couldn't get it into their head that the car insurers only picked up Public Liability cover providing bikes were on the bike carrier at time of any accident. They told me the car insurers should pick up the damage to the bike, whilst on the car which of course was absolute rubbish. Motor insurers wouldn't be picking up the damage to a caravan in a road accident, same principle. Motor insurers agreed with my assessment. Anyway I found an alternative quite easily and Halifax agreed to cancel my home insurance on a pro-rata basis.
Make sure you get the insurers to admit that the Motorhome is counted as a fixed item as they often have a condition that the bikes are secured to a fixed object when not being used or in a securely locked building (check they also cover in garages, most won't cover sheds).
Enjoy your new bike.
Posted on 27/08/2024 12:09
I wish with hindsite that I have not bought the bike (which was due to the senior moment that I have mentioned), as it has far too many caveats to avoid it being stolen and/or voiding any inurance on it! Obviously too late now though.
I really do wonder how capable insurance companies are if they don't even know that a customer is paying a premium for something that they don't actually insure, or tell customers something, which as you say, is complete rubbish.
What we are told over the phone is often at odds with what is in the written terms and conditions and I have given insurance companies information which I have later found out, they have not written down, which could have voided a policy if a claim had been made. Thank you for the information and I have taken note of what you have said for future reference.
Oneputt
Caravanner