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Thread: Info re Morethan Vehicle Insurance

  1. #1

    Info re Morethan Vehicle Insurance

    Just had my renewal notice in for my Toyota Hilux from Morethan Business quoting me 244. As always I do the comparison sites to see what other deals there are. Surprise Morethan Business were quoting 196 so I phoned to query the difference. The guy went through my details including that my occupation I had given as a gamekeeper. Next question was "do you carry firearms in the vehicle?". Obviously the answer was yes and at that I was told that Morethan will not cover anybody carrying firearms as they are considered as "dangerous and/or hazardous goods" as per the Health and Safety Executive.


    According to the person I was speaking to this policy has only recently been adopted by Morethan and when I pointed out that potentially there could be numerous sportsmen who are unaware of this and could invalidate their insurance he stated that it was in the small print.


    I have searched the Health and safety Executive web site but nowhere can I find specific information describing firearms as "dangerous or hazardous goods" but it would appear that Morethan have taken an interpretation of "any other goods"


    Their stance appears to be formed on the opinion that should a vehicle containing firearms be stolen they could be held responsible for any action taken thereafter with the firearms.

  2. #2
    Wedge,, thin end etc etc.

    Well pointed out though.

    Is this just the trade insewerance part of the outfit ?

  3. #3
    I had a quick look in their Policy Documents and couldn't see mention of any firearms related exclusions in there, so I wonder how new a 'policy' this is.

  4. #4
    Oh6, I would be looking for the carriage of dangerous or hazardous items. Having now phoned several companies they are all mostly coming up with the same stance.

  5. #5
    I do have specialist insurance with another company, I have no idea what morethan would think of gas cylinders and high voltage electrical devices in my boot. This raises loads of issues what about a camping stove they have to be more dangerous than guns. Tom

  6. #6
    This is why I never renew my insurance with comparison type websites and go for the cheapest option, it ain't always best! I might pay a little more with NFU, but then they know precisely what I do, my vehicle is insured off road, firearms in use, etc, you name it, and should I ever need to, I always get to speak to one of 3 or 4 people in the same office up the road who know who I am. That counts for a lot in my book.
    Opinions are like arseholes....... we all have them, and most of them stink

  7. #7
    I have checked with NFU, As you say no problem carrying firearms but at 559 it is not "just paying a little bit more". But that is not the point. My point is that up and down this country there could well be millions of recreational sportsmen/women who carry firearms to shoots/clay grounds etc without knowing that their policy could well not be valid whilst carrying firearms simply because they do not see their firearm being classed as a "dangerous or hazardous item."

  8. #8
    Quote Originally Posted by Gazza View Post
    I have checked with NFU, As you say no problem carrying firearms but at 559 it is not "just paying a little bit more". But that is not the point. My point is that up and down this country there could well be millions of recreational sportsmen/women who carry firearms to shoots/clay grounds etc without knowing that their policy could well not be valid whilst carrying firearms simply because they do not see their firearm being classed as a "dangerous or hazardous item."
    Gazza,

    The millions of people you refer to will most likely have a Domestic policy, not a Business policy.
    Carrying your own possessions is not "dangerous or hazardous". H&S doesn't apply.

    Stan

  9. #9
    Quote Originally Posted by smullery View Post
    Gazza,

    The millions of people you refer to will most likely have a Domestic policy, not a Business policy.
    Carrying your own possessions is not "dangerous or hazardous". H&S doesn't apply.

    Stan
    I'm not sure that is strictly true Stan. If you look at the introduction to the Health & Safety at work act 1974 it says -

    1 Preliminary.E+W+S+N.I.

    (1)The provisions of this Part shall have effect with a view to—
    (a)securing the health, safety and welfare of persons at work;
    (b)protecting persons other than persons at work against risks to health or safety arising out of or in connection with the activities of persons at work;
    (c)controlling the keeping and use of explosive or highly flammable or otherwise dangerous substances, and generally preventing the unlawful acquisition, possession and use of such substances; [F1

    A bit of a catch all sentence really. The way that it was explained to me once by quite a senior lecturer in H&S law is that you should read the "at work" to be how the health and safety act works rather than just applying it to the workplace environment.

    Health and Safety law can be an absolute minefield, I only work in quite a small specialised area of the general subject. Of one thing that you can be certain though is that if insurance companies can get out of covering any policy they certainly will, generally by employing some very clever barristers who specialise in such legislation and in particular finding let out clauses. Full and open disclosure is the only way to go.
    Last edited by 8x57; 12-08-2014 at 15:34.
    It's the calibre of the shooter that counts not the calibre of the rifle.

  10. #10
    Hear what you are saying Stan but Morethan are not saying that it is the Health and Safety Executive that are stopping them from insuring vehicles carrying firearms, it is their decision based on that they are not wishing to be held financially responsible for any occurrence following the theft off or from a vehicle containing firearms. I don't think they will say no to business insurance and yes to private as the risk remains the same.

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