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Author: Subject: Laid up Insurance
neilp1

posted on 4/10/12 at 08:20 AM Reply With Quote
Laid up Insurance

I'm pleased I had laid up insurance on the Tiger I was building, as after the accident the wife had I now need a new chassis, body work, fuel tank and radiator.
I have just received my cheque, so the build is due to start again!!

So my advice to any of you builders out, get some insurance you never know what around the corner.

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Macbeast

posted on 4/10/12 at 08:55 AM Reply With Quote
Did she drive into the garage, forgetting the Tiger was already in there ?





I'm addicted to brake fluid, but I can stop anytime.

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Ninehigh

posted on 4/10/12 at 09:46 AM Reply With Quote
quote:
Originally posted by Macbeast
Did she drive into the garage, forgetting the Tiger was already in there ?


Does sound like it, or she fell out of the bathroom window and through the garage roof!






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neilp1

posted on 4/10/12 at 12:16 PM Reply With Quote
Well what happened was - I'm having my loft converted and the numpty scaffolders had put 2 standards in the middle of the garage door 1 right in front 1 about 4 foot back. Now 1 of the kids had forgoten something so my wife came back onto the drive, consentrating on the scaffold tubes. She jumped out the car with it still in drive(auto) and it dragged her into the scaffold, through the garage door and into the tiger.
She suffered dislocated ankle, double compound fracture and broken tibia. When I got there the street was blocked off by police, 3 fire engines and 3 ambulances there and scaffold on top of the car. If not for the tiger she would have no right foot, so a re-build of it is nothing. and I would hate to have seen where the scaffold would have ended up!!

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SteveWallace

posted on 4/10/12 at 01:28 PM Reply With Quote
Sounds like a nasty accident - I hesitate to say that she was lucky, but you know what I mean.

OK, I'm convinced. So who is a good provider of laid up insurance for kit cars and what sort of premiums can be expected?

Presumably, at a very early stage of the build, a kit car is just a collection of random bits that you might be able to claim on your house contents insurance, so at what point does it become a something that needs specialist insurance?

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neilp1

posted on 4/10/12 at 01:47 PM Reply With Quote
Footman James 75 for 10000 and 50 excess. You are correct about it being just a bunch of parts though. They told me that as it wasn't road registered they couldn't total loss it and could only come to a cash settlement, but I'm happy with that. A re-biuld that don't cost me, only my labour and the wife keeps her foot is little price to pay.

[Edited on 4/10/12 by neilp1]

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