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Speaker 1: You know this myth that you can claim insurance. Oh,

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Speaker 1: by the way, somebody has text in about what happened

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Speaker 1: at the Northern Club in Auckland, and yes we are

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Speaker 1: going to talk about that, and yes we will do

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Speaker 1: it soon right now. Though, you know that myth that

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Speaker 1: you can't claim insurance if you crash your car while

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Speaker 1: wearing jandles. Sometimes your mum would say, hey, you can't

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Speaker 1: wear chandles. Well, according to the Insurance and Financial Services

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Speaker 1: on boardsman, it's all nonsense. Apparently insurers will decline your

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Speaker 1: claim for other reasons, but not just because you're wearing jendles.

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Speaker 1: Karen Stevens is the Insurance and Financial Services on boardsman. Karen, Hello,

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Speaker 1: hello Ryan, how are you very well? Thank you, so

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Speaker 1: we can cross this one off the list. It's a myth.

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Speaker 2: It is a myth. And the thing is that most

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Speaker 2: people wear jendles when they drive. And the only thing

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Speaker 2: is if you know that wearing jendles, your jendle is

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Speaker 2: going to get stuck under the accelerator so that you

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Speaker 2: might hit something or that the particular problem with the

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Speaker 2: type of shoe you're wearing. Then of course you don't

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Speaker 2: do that because that's a risk that you don't take.

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Speaker 2: But otherwise, if you think that you've done many times

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Speaker 2: and there's never been a problem, then it should be okay.

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Speaker 2: What insurers are worried about are the risks that you

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Speaker 2: know about already that you take anyway, because those are

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Speaker 2: never going to be covered. No.

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Speaker 1: But if you've got a warren of fitness, a recently

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Speaker 1: issued warren of fitness, and your tires are there's a

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Speaker 1: bit of tread lost on them, they're a bit baled.

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Speaker 1: You might not know that, but they can still decline

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Speaker 1: you on that. Is that right?

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Speaker 2: Yeah? And I think that the word that you use

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Speaker 2: there is an important one, recently issued WAFF because in

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Speaker 2: most cases that we've seen through the ifso scheme, it's

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Speaker 2: usually a WAFT has been issued, you know, sort of

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Speaker 2: nine months earlier, and somebody's done probably hundreds of kilometers

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Speaker 2: since that time. They know that their tires were sort

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Speaker 2: of a bit borderline when they got the WAFT, and

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Speaker 2: they haven't done anything to get new tires in the meantime.

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Speaker 2: That's that's the sort of thing that you know that

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Speaker 2: there's a bit of a risk there and you don't

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Speaker 2: do anything about it. And that's what an insurre is

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Speaker 2: not prepared to pay for.

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Speaker 1: Right if you are so. Lots of people are going

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Speaker 1: on there summer roadies in the next couple of weeks,

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Speaker 1: next couple of days. Even if you've got your war

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Speaker 1: and a fitness you know you've recently serviced, you've got

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Speaker 1: no other reasons to think there's something wrong with your car.

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Speaker 1: Do you have to or should you go and get

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Speaker 1: it checked anyway by a mechanic, because I mean, it

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Speaker 1: is expensive to get it done, and they are busy

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Speaker 1: at this time of year.

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Speaker 2: Not if there is nothing to alert you to the

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Speaker 2: fact that there's a problem. I think that's probably going

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Speaker 2: above and beyond. Most people will check their tires before

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Speaker 2: they go away and make sure that you know everything

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Speaker 2: is fine. If you look at your tires and you think, oh,

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Speaker 2: this one's looking a bit bored or or there's a

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Speaker 2: bit of a problem with this one, then that's when

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Speaker 2: you should do something, not think, oh, she'll be right

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Speaker 2: and leave it. It's the sort of thing that you

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Speaker 2: think about before you go. It's not taking the risk

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Speaker 2: that most of us wouldn't take in that particular circumstance,

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Speaker 2: and that's what insurers don't want you to do. You know,

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Speaker 2: most of the time, you know, we can be a

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Speaker 2: little bit careless, we can be a little bit negligent,

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Speaker 2: but if you take it that step further and then

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Speaker 2: you're positively reckless about Oh well, look I don't care.

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Speaker 2: I know that you know Matthias are a bit dodgy,

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Speaker 2: or I've got a problem with this, or you know,

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Speaker 2: I'm leaving the house but I've left a window open

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Speaker 2: to the cat.

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Speaker 1: It's not something you're You're in different territory than Karen.

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Speaker 1: Thank you for that. Karen Stevens, Insurance and Financial Services

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Speaker 1: on Boodsman. On your road trip before you take off

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Speaker 1: this summer, make sure you've got no worries. Twenty four

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Speaker 1: after five News Talk said B. For more from Heather

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Speaker 1: Duplessy Allen Drive, Listen live to News Talk said Be

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Speaker 1: from four pm weekdays, or follow the podcast on iHeartRadio