Insurance coverage on self installed gear

Warren-Pat_01 · Guru

Insurance coverage on self installed gear

Are We Lost · Guru

I believe if an installed item is determined (by the insurer) to be the cause of a claim, that they will most likely deny that claim regardless of who installed it. Maybe a small claim they will not quibble.

If you have paid someone for the installation, then your recourse is to go after the installer.

Dougwe · Chief one feather

Hi Warren and Pat, long time no see.

I was talking to my daughter the other day and she said it was a bit chilly in Townsville. It was only 25c.

Ya better get that heater sorted mate.

Warren-Pat_01 · Guru

G'day Doug,
25 minimum is a bit yucky. Maximum, yes a bit chilly! But on either Friday or Saturday, the minimum was 21, maximum was 22. But then my clothing of shorts, T-shirt didn't change . The rain has been welcome.

Wanda · Guru

So where did you hear that?
Like a lot of extras on your van, or car for that matter, often all that is required is for you to notify your insurer that you have had fitted a "diesel heater" or whatever!.
Nothing in a diesel heater instalation that would require a license(I don't think for 12vlt) unlike a gas appliance or 240vlt stuff
Any doubt just ring your insurer to be clear.
What happens if you change your tyre and forget to tighten the nuts and have an accident?? As far as I know you would still be covered!Whats the diff?
Diesel heaters are not hard to install, many many people install there own, can't see how that would void insurance.
Sounds like one of those, mates mates wifes cousin was at the pub and overheard a conversation with a bloke who...........blah blah!
Ian

-- Edited by Wanda on Tuesday 27th of April 2021 03:24:52 PM

Peter_n_Margaret · Guru

Our MH is diy from the chassis up.
After a major claim, my assessor said "We insure for stupid, we don't insure for poor maintenance".
Unless poor (=stupid) installation directly caused the claim, the insurer can not refuse cover.
Cheers,
Peter

Hylife · Guru

scaremongering rubbish.

There is no qualification for installing a diesel heater.

There is not even a qualification for building a caravan, they're all built by unskilled labour under a self assessment scheme.

ConsumerMan · Senior Member

Your answer will be in your policy document. Just read it. These days (probably last 20 years) there is no fine print. In fact with personal insurance products I think you will find all exclusions are in bold red font. If still in doubt ask an insurance broker for advice.

Cupie · Guru

Yes, I agree about the 'scare mongering'.

You read a lot of questionable stuff on these forums about insurance & legalities.

I take them all with a grain of salt.

If you are really concerned about your specific issues, as has been suggested read the disclosure docs with an open mind, or if you are feeling lucky talk to your insurer. If you get an actual direct response, document it, although that probably will perhaps only help you in rejected claims negotiations. But I doubt it. Probably won't change anything but it may mean one less thing to worry about.

Aus-Kiwi · Guru

Its a little like servicing your vehicle . Its scare mongering as long as its done properly!!