Insurance companies are gits.
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[QUOTE 3754367, member: 45"]Yeah I tried that as well. £35 to cancel is what she said.[/QUOTE]
She is talking crap.
https://www.citizensadvice.org.uk/c...urance-policy/cancelling-an-insurance-policy/
She is talking crap.
https://www.citizensadvice.org.uk/c...urance-policy/cancelling-an-insurance-policy/
I d a right faf with one company a few years ago with my van insurance . They where the cheapest online quote so I called them to take out the policy . They guy on the phone asked how many years no claims I had so I told him the last policy I had in front of me says 9 years so as I am renewing the policy it must be ten years .
A few weeks later I get a letter saying I need to pay a couple of hundred quid as my policy details where incorrect so I call them . They said that I had claimed for ten years no claims but THEIR system only goes to nine years . I asked why I wasn't told this while on the phone and how I was expected to know what their system went up to seeing as I don't work for them . I ended up having to pay .
Renewal time and I get a letter telling me my premium had doubled so I went back to my other insurer and got a better quote . Took out the policy and thought nothing of it . I cant remember what it was but something made me call the first company and they where very pushy about them being my insurers . They said I had agreed to the inflated quote the year before on a roll over contract . I argued that I cant agree to the contract when I don't know what the contract details are and this ended up in a blazing row with the devil bitch that runs the company . I then found out that they had been taking money out of my bank account so ended the conversation with you try and get your money because I will be getting mine .
I then called my bank who investigated and refunded all the money that the company had taken .
I may not be able to fight an insurance on my own but with the bank agreeing with me it seemed to do the trick .
A few weeks later I get a letter saying I need to pay a couple of hundred quid as my policy details where incorrect so I call them . They said that I had claimed for ten years no claims but THEIR system only goes to nine years . I asked why I wasn't told this while on the phone and how I was expected to know what their system went up to seeing as I don't work for them . I ended up having to pay .
Renewal time and I get a letter telling me my premium had doubled so I went back to my other insurer and got a better quote . Took out the policy and thought nothing of it . I cant remember what it was but something made me call the first company and they where very pushy about them being my insurers . They said I had agreed to the inflated quote the year before on a roll over contract . I argued that I cant agree to the contract when I don't know what the contract details are and this ended up in a blazing row with the devil bitch that runs the company . I then found out that they had been taking money out of my bank account so ended the conversation with you try and get your money because I will be getting mine .
I then called my bank who investigated and refunded all the money that the company had taken .
I may not be able to fight an insurance on my own but with the bank agreeing with me it seemed to do the trick .
I was with Hastings for years, then I sold my m/bike and had fair few months left on the policy, instead of a refund I think paid them to cancel it! 
Anyway.............what maxi-scooter? I've had a 250 Majesty, a T-Max and a Burgman, I am now thinking of the Honda PCX, 65/70 mph, 120+ mg, £15 road tax etc
Anyway.............what maxi-scooter? I've had a 250 Majesty, a T-Max and a Burgman, I am now thinking of the Honda PCX, 65/70 mph, 120+ mg, £15 road tax etc
stevede
Well-Known Member
I've just changed my bike from a VFR800 to a Triumph Speed Triple. Was with JMI (Carole Nash) but as the policy I was on only covered bikes over 10 years old, they wouldn't do the Triumph. New policy with them was double what I could get elsewhere.
I had to cancel as I needed the No claims. Got a £38 refund on a £170 policy with 4 months left to run. Got my no claims letter emailed within 10 mins of cancelling. Took a few days for the money to be refunded into my account.
I got a (cheap) quote from Hastings for the new bike but paid a bit extra elsewhere in the end as I had a couple of mods to declare and Hastings were being a bit vague.
So some do (in my eyes at least) play fair.
I had to cancel as I needed the No claims. Got a £38 refund on a £170 policy with 4 months left to run. Got my no claims letter emailed within 10 mins of cancelling. Took a few days for the money to be refunded into my account.
I got a (cheap) quote from Hastings for the new bike but paid a bit extra elsewhere in the end as I had a couple of mods to declare and Hastings were being a bit vague.
So some do (in my eyes at least) play fair.
threebikesmcginty
Corn Fed Hick...
- Location
- ...on the slake
When I had a paper-round the horrible bastard who owned the shop had a Honda step-through like Mr Paul, he had a heart attack when he was riding it and died.
bikingdad90
Guru
I bought a new car earlier this year and rang up to change the vehicle on my policy. They wanted to add about £200 onto my policy and I gently inquired as to why. They told me that it was a new car and I would be uncomfortable driving it so more likely to crash. I replied with "oh that is interesting because you have just quoted me £200 less if i come back as a new customer on the exact same car, can you match it?"
I got another b-poo answer along the lines of we cannot because it is not a renewal but a change and therefore against company policy.
After much tooing and frooing I ended up cancelling the entire multicar policy and rejoining. The insurance company lost out as the other car I insure reduced by £100 all 'admin' charges were waivered and the new car was at the lower quote.
I got another b-poo answer along the lines of we cannot because it is not a renewal but a change and therefore against company policy.
After much tooing and frooing I ended up cancelling the entire multicar policy and rejoining. The insurance company lost out as the other car I insure reduced by £100 all 'admin' charges were waivered and the new car was at the lower quote.
Still dont really understand why you have to tell them about the Datatag if you don't want to. It's not going to make the bike more dangerous to ride or more attractive to steal (the reverse if anything)
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm would seem to indicate that non-disclosure of a material fact is only a problem if it induced the insurer to offer better terms than otherwise, but the reverse seems to be the case here
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm would seem to indicate that non-disclosure of a material fact is only a problem if it induced the insurer to offer better terms than otherwise, but the reverse seems to be the case here
I had somebody drive into my car a few years back, the insurance company were fantastic in the way it was dealt with. Just had an LV endowment payout for way more than we expected, another coming out next year the same.
So not all dealing with insurers are negative, but most cyclist are tight gits.
and what things for nothing.
So not all dealing with insurers are negative, but most cyclist are tight gits.
and what things for nothing.
Tanis8472
Guru
The way i look at is, that in my case, I have a disk lock, huge chain and my bike is locked up in a solid shed.
None of those facts are disclosed and i'm happy to pay slightly more as a consequence. Something like £20 more per year.
So if (god forbid) it gets stolen, they cant say it wasnt locked etc, as they insured my bike without any of those security devices.
On a side note, I really dont get why they want to see copies of my licence.
They say to reduce fraud. Cobblers!
If i have accident etc folk would soon realise i didn't have a licence, so insurance would be invalid.
(I do btw
)
None of those facts are disclosed and i'm happy to pay slightly more as a consequence. Something like £20 more per year.
So if (god forbid) it gets stolen, they cant say it wasnt locked etc, as they insured my bike without any of those security devices.
On a side note, I really dont get why they want to see copies of my licence.
They say to reduce fraud. Cobblers!
If i have accident etc folk would soon realise i didn't have a licence, so insurance would be invalid.
(I do btw
)
jonny jeez
Legendary Member
- Location
- Chislehurst, Kent, UK
I had insurance with Hastings and they were fine. I also had an admiral multi car policy (beware these things) that offered a minuscule discount if I wrapped all the families vehicles up. I did it purely for the saving in admin to be honest.
My motorcycle fell over on the drive, my fault, I thought the side stand was down and it wasn't. I rang and asked what my excess was as a fairing was scratched and it annoyed me.
They told me that because I had reported a no claim incident they had to increase my policy...grrrr
Then they increased All of the policies on the "multi policy"...my motorbike, wife's car, my other car and the scooter.
.... that's when I swapped to Hastings.
Cost me about £200.
The new fairing cost about £150....sigh.
My motorcycle fell over on the drive, my fault, I thought the side stand was down and it wasn't. I rang and asked what my excess was as a fairing was scratched and it annoyed me.
They told me that because I had reported a no claim incident they had to increase my policy...grrrr
Then they increased All of the policies on the "multi policy"...my motorbike, wife's car, my other car and the scooter.
.... that's when I swapped to Hastings.
Cost me about £200.
The new fairing cost about £150....sigh.
mybike
Grumblin at Garmin on the Granny Gear
- Location
- Not 'emel 'empstead
[QUOTE 3754797, member: 45"]A nobber bike...[/QUOTE]
Hmm, does anyone else look at it and think Ariel?
Hmm, does anyone else look at it and think Ariel?
[QUOTE 3754063, member: 45"]turnips[/QUOTE]
Can't you do better than that?
I often here people say you should have a claim every 10 years or/and if you are going to have a claim it should be a big one.
I have gone 25 years without a claim, might be longer. Time to burn the house down!!
Can't you do better than that?
I often here people say you should have a claim every 10 years or/and if you are going to have a claim it should be a big one.
I have gone 25 years without a claim, might be longer. Time to burn the house down!!
