I had my insurance for my 25AE with LV last year. Their renewal quote was competitive and I was going to go ahhead. When I got the policy documents, it said that the car is not insured if I leave the roof open.
I phoned them two days ago to clarify that I was covered if I left the roof of a converttible down and was told ‘yes’. Today I phoned to ask to get that in writing and after a 15 minute hold, I was told that I would NOT be covered. It is self evident from the details they retrieve from the reg no. that it is a convertible.
Has anyone else had issues with this? Is there a good company for convertibles please?
This has been a condition in all the insurances I have had for our MX5s, I think it is standard wording.
We always put the hood up when parked as a matter of habit. A car full of ‘seagull’ poo or someone tossing their detritus in while walking past is not nice.
I wouldn’t feel happy leaving my car out of my sight with the hood down, for the reasons given above. I usually just engage the driver’s side catch unless I’m parking up for the night. The hood on my Mk2 is such a brilliantly easy thing to operate - it takes literally 5 seconds.
I used to leave roof down as much as I could, until I got caught out with a fierce unexpected downpour one time. Never again - that’s before I’d ever considered insurance risk.
Upsides of cabrio ownership outweigh these kinds of frustrations in my mind. Too many other aspects to enjoy
