WIDEOPN-X3 said:
zippy320 said:
If you were speeding or going over the speed limit before a crash , insurance can repudiate the claim?
In theory yes.
But the clincher is when the owner brags on social media about his/her exploits.
Slightly off topic for a minute, but I have met many people who think they are covered for track days (non timed, non competitive stipulated in the t's and c's). I myself had to go through the ordeal of trying to get a track claim paid,
WITH cover for track use and at an event without official timing. Some even state you can be the only car out on track at the time (so which event apart from maybe skidpan would be covered). Wait and see what happens when you try to claim, but have posted your racechrono time from some point in the past on a closed forum/group somewhere... On whatsapp with all the groups, the info is being screenshotted/forwarded immediately to a half dozen other groups. Insurers will even find captioned pictures from OTHER people's blogs and social media who may have unofficially timed you. They will put 2 and 2 together.
Two mates have had to fight to have a hail claim paid out and windscreen claim paid because the cars were seen at a gymkhana event on social media (MiWay). They fought these successfully but it becomes painful. Someone from MiWay actually tried to gain admin access to another forum since they heard of a hidden street racing section...
Now if you are insured and attending 'real' events, but face that kind of scrutiny, then what do you think awaits the two guys in this incident? I don't think many people realise how stressful this process can be long after the trauma is over. The standards of evidence are not the same as those of a court of law... I certainly don't envy the fight on these guys hands.
Everyone should read those policies, exclusions about performance mods, exclusions about competition use, what constitutes pleasure vs. competition, what defines a competitive event etc. UNDERSTAND them fully and if anything isn't clear, get it clarified
in writing so that an argument with the ombudsman is actually an option afterwards.
Regardless of whether this was a cruise or street racing, I am doubtful that this will be paid even if they involve the ombudsman. Insurers get 'scared' of the ombudsman in more mundane cases for sure and hence speeding etc. are somewhat easier to get away with. This is one where they are likely to stick to their guns for as long as possible IMHO. In this thread there is someone claiming that he was street racing just before this. Randomly meeting up with a 'recklessly speeding' A45 on the way home is unlikely to be believable given the circumstances. Whether guys know them personally or not, people make all sorts of claims and assumptions online which are visible and which are used by insurers. They/we can delete these comments but its out there now and likely in a number of other places including all the 'offline' groups where these things are shared and discussed as well. Such is the world we live in nowadays.