John Wright Posted September 6, 2023 Share Posted September 6, 2023 10 minutes ago, Roger Mexico said: That's because the RHA never ended, despite Eddie Teare's best efforts. It was renegotiated so it no longer included a UK payment to the island as they suddenly realised that it wasn't the 1950s any more and there weren't large numbers of British tourists needing treatment. Teare and co wanted to use this as an excuse to 'save' money (ie make the Manx pay for something they used to get for free). The current RHA is nothing like as extensive as it used to be. And if you’re in UK longer than 6 months ( and haven’t become UK resident ) and then require emergency treatment, or it’s a chronic condition, and you need treatment at any time from day 1, or the emergency is over and you cannot be repatriated and need ongoing recuperative treatment, or you die, then you will have to pay for treatment, care, repatriation etc. and it’s not cheap. So insurance is a good idea. 1 Quote Link to comment Share on other sites More sharing options...
NoTail Posted September 6, 2023 Share Posted September 6, 2023 John is exactly right. That's why I was so annoyed when I discovered that the "special" travel insurance tailored for Manx residents as part of the Isle of Man Bank gold card is not fit for purpose. We have been travelling for years thinking we were covered. 1 Quote Link to comment Share on other sites More sharing options...
Andy Onchan Posted September 6, 2023 Share Posted September 6, 2023 33 minutes ago, NoTail said: John is exactly right. That's why I was so annoyed when I discovered that the "special" travel insurance tailored for Manx residents as part of the Isle of Man Bank gold card is not fit for purpose. We have been travelling for years thinking we were covered. IOM Bank is not fit for purpose, never mind their travel insurance! 2 Quote Link to comment Share on other sites More sharing options...
John Wright Posted September 6, 2023 Share Posted September 6, 2023 I don’t think there are any financial supervision regulations that might make Zurich pull out of the IoM motor market. It’s much more likely to be poor claims experience linked with claims admin. Their market share is probably not large. One huge claim may completely skew their claims experience figures. The claims admin is another thing. Big, or specialist, insurers deal with most of their claims in-house. When it’s complex, especially when proceedings are issued, they use specialist claims defence solicitors. Those solicitors are screwed down on price and process and operate an insurer approved claims handling programme that logs all correspondence, time, documents, pleadings, experts reports, in a standard way and can be accessed by the insurer 24/7 and which produce regular reports. It maybe that whoever does this for Zurich said they couldn’t provide an IoM service. I’ve been approached to act as agent for a number of firms, as and when required. It’s too onerous and not lucrative. Below legal aid rates. I suspect other firms have taken the same view. Much more likely the reason than cross jurisdiction regulatory stuff. 1 1 Quote Link to comment Share on other sites More sharing options...
Ringy Rose Posted September 6, 2023 Share Posted September 6, 2023 59 minutes ago, NoTail said: That's why I was so annoyed when I discovered that the "special" travel insurance tailored for Manx residents as part of the Isle of Man Bank gold card is not fit for purpose. A brief skim and it looks like your policy wording is similar to mine. The wording refers to your country of residence. This is the IOM not the UK. But, as always, they’ve just copy/pasted the standard terms from their UK business, so it ends up garbled. I see nothing to suggest you’re not covered. Quote Link to comment Share on other sites More sharing options...
NoTail Posted September 6, 2023 Share Posted September 6, 2023 25 minutes ago, Ringy Rose said: A brief skim and it looks like your policy wording is similar to mine. The wording refers to your country of residence. This is the IOM not the UK. But, as always, they’ve just copy/pasted the standard terms from their UK business, so it ends up garbled. I see nothing to suggest you’re not covered. I order to be covered you need to have proof of prepaid accommodation. When away in a motorhome or staying with relatives you don't have that. Therefore not covered. 1 Quote Link to comment Share on other sites More sharing options...
The Phantom Posted September 6, 2023 Share Posted September 6, 2023 Pulling out isn't always the solution. My daughter is a testament to that. 4 Quote Link to comment Share on other sites More sharing options...
Ringy Rose Posted September 6, 2023 Share Posted September 6, 2023 6 hours ago, NoTail said: I order to be covered you need to have proof of prepaid accommodation. When away in a motorhome or staying with relatives you don't have that. Therefore not covered. That only seems to be the case if you’re staying in your home country: 1 Quote Link to comment Share on other sites More sharing options...
Max Power Posted September 6, 2023 Share Posted September 6, 2023 I noticed several years ago that car insurance companies such as Admiral and Churchill eliminated IoM residents in their TV advertising. I didn’t really understand the reasoning then either? Quote Link to comment Share on other sites More sharing options...
Cueey Lewis And The News Posted September 6, 2023 Share Posted September 6, 2023 36 minutes ago, Max Power said: I noticed several years ago that car insurance companies such as Admiral and Churchill eliminated IoM residents in their TV advertising. I didn’t really understand the reasoning then either? Zurich is a very poor insurance company. It will all be about data and pretending to be in the risk business. They’re more interested in solar power and zooming around on e-bikes than they are about providing services to IOM people. Quote Link to comment Share on other sites More sharing options...
Gladys Posted September 10, 2023 Share Posted September 10, 2023 On 9/4/2023 at 8:01 PM, Gladys said: I will check in case I am giving Aviva a bad name. Wasn't Aviva. Quote Link to comment Share on other sites More sharing options...
newaccount Posted October 11, 2023 Share Posted October 11, 2023 Unable to get insurance https://gef.im/news/business/cod-you-believe-it-40692/ Another fine mess from iomg sitting on its hands 1 Quote Link to comment Share on other sites More sharing options...
HeteroErectus Posted October 11, 2023 Share Posted October 11, 2023 59 minutes ago, newaccount said: Unable to get insurance https://gef.im/news/business/cod-you-believe-it-40692/ Another fine mess from iomg sitting on its hands People are fat enough already*. Sat there fermenting on their sofas, waiting for their carcinogenic plastic box of seed oil (engine lubricant) to be delivered. The fine mess is the innutritious slop that we've, over generations, been brainwashed to believe is an indulgence. *Source: recently went on safari through Peel. Quote Link to comment Share on other sites More sharing options...
When Skies are Grey V2 Posted October 12, 2023 Share Posted October 12, 2023 Nope no idea what its on about either Quote Link to comment Share on other sites More sharing options...
2112 Posted October 12, 2023 Share Posted October 12, 2023 15 hours ago, newaccount said: Unable to get insurance https://gef.im/news/business/cod-you-believe-it-40692/ Another fine mess from iomg sitting on its hands It won’t the first or the last of financial services and products withdrawn to the IOM, I’m quite sure there will be lots more to come. Quote Link to comment Share on other sites More sharing options...
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