Hi Guys,

Just to clarify the "Roll Cage" point.

We deal with a number of underwriters and as you correctly point out most don't like roll cages.

However, the one's that do the cages do not increase their premiums charged for a cage. Their view is very much that the cages would be beneficial in an impact situation.

With regard to excluding personal injury, this would not be due to a roll cage so if you have this exclusion PM me and i'll investigate.

Passengers or other third parties CANNOT have their right to mount a personal injury claim excluded.

With regard to the driver (ie. You) some policies incorporate a personal accident benefit that applies if you were injured badly and the accident was your fault. This may be what was excluded.

However, if the accident was not your fault you would still be able to claim from the responsible driver or the MIB (Motor Insurers Bureau - not men in black) if they were not Insured.

If you're covered with us our policies usually have a solicitor/legal expenses company included with any legal costs covered up to £100,000. So they will take up the case on your behalf and fight your corner.

Hope this helps...


Tony