Ask Honest John  
Ask a Question

What's your question? Search here

Keyer ceased
My father's Motability car was stolen from the rear of his driveway. My mother started up the car to go and post a letter. She noticed that the letter was addressed wrongly and re-entered the back door of the house to get my father to rectify the mistake. Unfortunately, she left the key in the ignition. After a few minutes she went back to the driveway, a distance of approximately 25 feet, and the car had been taken. The insurers, Royal & Sun Alliance, have repudiated the claim on the basis that the car was not locked and the keys were in the ignition. Motability has therefore informed my father that they will continue to take his full Disability Living Allowance until the end of the contract in June 2011 plus an extra six months and then will bill him for the amount still owing on the car, a 2008 Ford Focus C-Max. The car has not been recovered and has been declared a write-off by the insurers. My father is therefore without any transport and facing substantial financial loss if he has to comply with this. Is it possible to have Royal & Sun Alliance re-consider the claim, as after all the car was on my father's own property and not the public highway?

Asked on 27 February 2010 by A.M., via e-mail

Answered by Honest John
They will have to appeal to: www.financial-ombudsman.org.uk It’s also worth checking if any part of their household insurance covers this. It's infuriating how much misery an opportunist thief can inflict. And all he probably got out of it was £100 of drug money.
Similar questions
What exactly is a no-claims bonus? My wife has recently bought a small car and applied for insurance quoting a full no-claims bonus. For the last four...
My wife qualifies for a car under the Motability Scheme and her last two cars have been Volkswagen Golfs, presently a 1.4 TSI which has just about all...
I'm almost due to start looking for a new Motability car and could use some recommendations. I have a Peugeot 207 1.4 Diesel that does 55mpg combined and...
Related links
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Cars For Sale




Buying Advice

Honest John's Newsletter

Connect with Honest John

Facebook YouTube