Treasure Hunt Clause

Emily-Elizabeth · 18-08-2007, 10:48

Scanning my new insurance renewal policy the other day I saw that it excluded all the usual stuff, ie racing, pace making, hiring out my (driving) services etc.

Then I saw that they made a special inclusion for road safety rallies (wtf is a road safety rally?) and treasure hunts!

Is it common place to have an extra clause to be insured to do a treasure hunt in your car?

Anyone else got this?

mluton · 18-08-2007, 10:57

A tresure hunt is were you follow clues to at different locations to find the "pot of gold".

Been on a few with my parents when i was younger, quite fun.

HTH, was that the answer you were after ?

Emily-Elizabeth · 18-08-2007, 11:03

Quote:

Originally Posted by mluton

HTH, was that the answer you were after ?

I know what a treasure hunt is, I was wondering if other people had a clause in their insurance that meant they were insured to do them or not!

mluton · 18-08-2007, 11:10

Ive had a quick butches at mine, but nothing about treasure hunts.

daiking · 18-08-2007, 11:24

I've seen this inclusion before, presumably because its a race/competition.

smstext · 18-08-2007, 20:58

ive done a couple, cluestogo is a qood one, but found we split them into 2 sittings as they do become quite boring for a 9 yr old after a couple of hours.

ScoobyChris · 18-08-2007, 22:06

I've done a couple and run a couple. My insurance does not make any exclusions for them

Chris

TommyC · 19-08-2007, 09:34

Can't tell if you mean treasure hunts have been specifically included or excluded??!

It's a bit strange why they've singled them out?! Considering the rules of a treasure hunt, i don't see why they are. You're not actually racing, it's more of a navigation exercise, so you have to adhere to the higway code. And there's usually a maximum overall average speed for the event. If you're faster you get disqualified because they can tell you were breaking the rules!!

The only reason i can think this is mentioned on your insurance is they've disputed a claim in the past. If it was a treasure hunt organised by a Motor Club, they may have tried to wriggle out of paying up by using the "Motorsport" clause, where a treasure hunt is more likely to come under "Social, Domestic and Pleasure".

gadgetman · 19-08-2007, 17:54

Which insurer?

Mine only has the usual hire reward, racing etc.

KenONeill · 20-08-2007, 13:33

I have never seen an exclusion for a treasure hunt. For a "organised trial of speed or regularity" yes, but a treasure hunt isn't one of those.

Bigw2069 · 20-08-2007, 13:38

Is Anneka Rice the CEO Maybe?

Goochie · 20-08-2007, 13:52

Mine tells me I'm not covered if I have a collision with an aircraft.

smstext · 20-08-2007, 19:58

same here, something about driving it on an airfield.

KenONeill · 21-08-2007, 09:03

The "collision with a/c" clause isn't unusual, but only operates if you're "airside" at a proper airfield or airport. You'd still be covered if someone landed their Cessna on you on a straight.

gadgetman · 21-08-2007, 22:17

Mine, on closer inspection, doesnt cover terrorist damage.

Mind you that's normal with 'acts of god' these days inst it?

18-08-2007, 10:48	#1
Emily-Elizabeth Briskodian Join Date: Feb 2006 Location: Essex Posts: 3,645 Thanks: 21 Thanked 21 Times in 20 Posts	Treasure Hunt Clause Scanning my new insurance renewal policy the other day I saw that it excluded all the usual stuff, ie racing, pace making, hiring out my (driving) services etc. Then I saw that they made a special inclusion for road safety rallies (wtf is a road safety rally?) and treasure hunts! Is it common place to have an extra clause to be insured to do a treasure hunt in your car? Anyone else got this? __________________

18-08-2007, 10:57	#2
mluton Briskodian Join Date: Jul 2006 Location: South Birmingham Posts: 6,328 Thanks: 46 Thanked 220 Times in 194 Posts	Re: Treasure Hunt Clause A tresure hunt is were you follow clues to at different locations to find the "pot of gold". Been on a few with my parents when i was younger, quite fun. HTH, was that the answer you were after ? __________________ Support Briskoda----------------------> Red Skoda Octavia V//RS Mods to date: Carbonio CAI Forge 007 DV Aero Wipers Briskoda Stickers KVW100 GB Wheel Inserts RS Tuning Remap Delocked Piper Cat Back Kenwood KDC-W6541U Fli Twin 12" Active Sub Parrot CK3100 *------------------------------------------------*

18-08-2007, 11:10	#4
mluton Briskodian Join Date: Jul 2006 Location: South Birmingham Posts: 6,328 Thanks: 46 Thanked 220 Times in 194 Posts	Re: Treasure Hunt Clause Ive had a quick butches at mine, but nothing about treasure hunts. __________________ Support Briskoda----------------------> Red Skoda Octavia V//RS Mods to date: Carbonio CAI Forge 007 DV Aero Wipers Briskoda Stickers KVW100 GB Wheel Inserts RS Tuning Remap Delocked Piper Cat Back Kenwood KDC-W6541U Fli Twin 12" Active Sub Parrot CK3100 *------------------------------------------------*

18-08-2007, 11:24	#5
daiking DILLIGAF? Join Date: Mar 2006 Location: manchester Posts: 2,275 Thanks: 64 Thanked 78 Times in 65 Posts	Re: Treasure Hunt Clause I've seen this inclusion before, presumably because its a race/competition.

18-08-2007, 20:58	#6
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 8,273 Thanks: 10 Thanked 234 Times in 212 Posts	Re: Treasure Hunt Clause ive done a couple, cluestogo is a qood one, but found we split them into 2 sittings as they do become quite boring for a 9 yr old after a couple of hours. __________________ OXON Meet 5 October 2008 click here for more info Briskoda Summer Camp Meet Click Here Czech Road Trip 2009 Click Here

18-08-2007, 22:06	#7
ScoobyChris Briskodian Join Date: Mar 2003 Location: Andover Posts: 18,117 Thanks: 15 Thanked 326 Times in 284 Posts	Re: Treasure Hunt Clause I've done a couple and run a couple. My insurance does not make any exclusions for them Chris __________________ Holding up the traffic in a little Italian..........

19-08-2007, 09:34	#8
TommyC Briskodian Join Date: Aug 2005 Location: south east Posts: 407 Thanks: 2 Thanked 9 Times in 9 Posts	Re: Treasure Hunt Clause Can't tell if you mean treasure hunts have been specifically included or excluded??! It's a bit strange why they've singled them out?! Considering the rules of a treasure hunt, i don't see why they are. You're not actually racing, it's more of a navigation exercise, so you have to adhere to the higway code. And there's usually a maximum overall average speed for the event. If you're faster you get disqualified because they can tell you were breaking the rules!! The only reason i can think this is mentioned on your insurance is they've disputed a claim in the past. If it was a treasure hunt organised by a Motor Club, they may have tried to wriggle out of paying up by using the "Motorsport" clause, where a treasure hunt is more likely to come under "Social, Domestic and Pleasure". __________________ WARNING : Jelly is not porous!! What is the difference between mechanical engineers and civil engineers? Mechanical engineers build weapons and civil engineers build targets.

19-08-2007, 17:54	#9
gadgetman Go Gadget Octy! Join Date: Apr 2007 Posts: 2,830 Thanks: 149 Thanked 90 Times in 83 Posts	Re: Treasure Hunt Clause Which insurer? Mine only has the usual hire reward, racing etc. __________________ Lick the window of life Why not join the Briskoda Last.fm group?

20-08-2007, 13:33	#10
KenONeill Briskodian Join Date: May 2006 Location: Normally somewhere in Scotland! Posts: 10,262 Thanks: 55 Thanked 479 Times in 471 Posts	Re: Treasure Hunt Clause I have never seen an exclusion for a treasure hunt. For a "organised trial of speed or regularity" yes, but a treasure hunt isn't one of those.

20-08-2007, 13:38	#11
Bigw2069 Moderator Join Date: Jan 2004 Location: Rosyth,Scotland Posts: 5,380 Thanks: 201 Thanked 200 Times in 164 Posts	Re: Treasure Hunt Clause Is Anneka Rice the CEO Maybe? __________________

20-08-2007, 13:52	#12
Goochie Briskodian Join Date: Jan 2004 Location: Up a tree. Posts: 12,376 Thanks: 7 Thanked 28 Times in 26 Posts	Re: Treasure Hunt Clause Mine tells me I'm not covered if I have a collision with an aircraft.

20-08-2007, 19:58	#13
smstext 2.0 FSI Sport. Join Date: May 2007 Location: oxon Posts: 8,273 Thanks: 10 Thanked 234 Times in 212 Posts	Re: Treasure Hunt Clause same here, something about driving it on an airfield. __________________ OXON Meet 5 October 2008 click here for more info Briskoda Summer Camp Meet Click Here Czech Road Trip 2009 Click Here

21-08-2007, 09:03	#14
KenONeill Briskodian Join Date: May 2006 Location: Normally somewhere in Scotland! Posts: 10,262 Thanks: 55 Thanked 479 Times in 471 Posts	Re: Treasure Hunt Clause The "collision with a/c" clause isn't unusual, but only operates if you're "airside" at a proper airfield or airport. You'd still be covered if someone landed their Cessna on you on a straight.

21-08-2007, 22:17	#15
gadgetman Go Gadget Octy! Join Date: Apr 2007 Posts: 2,830 Thanks: 149 Thanked 90 Times in 83 Posts	Re: Treasure Hunt Clause Mine, on closer inspection, doesnt cover terrorist damage. Mind you that's normal with 'acts of god' these days inst it? __________________ Lick the window of life Why not join the Briskoda Last.fm group?

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