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      11-14-2012, 04:18 PM   #9
ian_m
Private First Class
United Kingdom
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Drives: e90 330 d
Join Date: Jan 2012
Location: manchester

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it gives the impression that someone misrepresented himself on his proposal form and got found at claims time as fire is a covered peril with no geographic exclusions.

it is unlikely you'd be third party only with a car of that value and you could not get third party/theft only cover without fire.

Wigan you'd want theft cover unless you had a big hungry dog sat in the driver's seat, so the minimum policy would be TPFT. Only reason not to pay: lied on proposal form so policy void or, suspected arson therefore refused to pay.