I belong to an organisation called RAYNET. We are radio amateurs who provide emergency communication services to agencies such as the police, fire brigade, councils and other similar emergency services. I group I belong to is South Sussex RAYNET, which is local to where I live.
We have just purchased a vehicle to be used as an Emergency Control Unit (ECU) which will make life easier for us, and also make us more visible to the public. But we have encountered a problem, we need to insure it.
We have been open and honest, and told the insurance companies and brokers exactly what it will be used for and so far have only found two companies prepared to provide a quote.
But one of the responses we received seems to some up how daft the insurance business is. This particular company said they would insure it provided it was never parked near an “at risk” location such as airports, railway stations, offices or petrol stations. Now apart from the fact that these are probably places where it would be needed in the event of an emergency, there are not many places left where we could park it! So it would be a case of the vehicle being insured, but we wouldn’t be able top use it. Hmm, clever that.
Even the company that insured it for the previous owner have refused to insure it. It’s still performing the same function, so there’s no change there; the problem is that it was on a fleet policy, and we want it on a single vehicle policy.
Luckily one company does appear to have given us a reasonable quote. Although when we asked if we could voluntarily increase the excess from £100 to higher figure and so lower the premium, we were told “no”
Madness. Utter madness.