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Re: RH Insurance policy exceptions. - No theft or damage cover if roof left down?

I have made enquiries of our contact at Hiscox/RH on this specific point and she has replied with the following comment:

"....provided reasonable measures have been taken ie roof and sides put up, if fitted, whilst the vehicle is left out of sight / unattended in an area where you would naturally consider this a prudent measure. For example, a sensible owner would always leave their vehicle safeguarded as far as possible. In the case of some vintage and classic cars they don't necessarily have side screens or hoods - but these vehicles generally wouldn't be left unattended for long periods in a busy city for example.

Vehicles are naturally left unattended at car shows for prolonged periods and protective measures wouldn't usually be deployed in an environment where like minded enthusiasts gather. Provided the owner can prove he's adopted common sense in the event of a claim it wouldn't be disputed.

The policy wording is clear/makes sense if you read and apply the final sentence of the section which from memory states 'OR reasonable precautions have been taken etc...'"


I hope that helps..

Hugh

Location: Cambridge