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Post Info TOPIC: Rant....insurers
jt


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Rant....insurers
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Not had one for a while so here goes biggrin

I won't mention any companies - but hell fire insurers they really do just make it up don't they????

 

So story is i used to have a multibike policy and it worked for me, had the HD and Honda on it. Then last year I sold the HD and bought a new Triumph. I called my insurance broker and asked to take HD off policy and add Triumph - simple yes?  

Oh Feck no.....as i wanted to continue to have pillion cover and the Triumph was a 'scrambler' and not 'suited' to carry a pillion (yep i did explain it wasn't actually a scrambler etc etc etc) the multibike insurer would not cover it as the 'computer said no'.....fecking numptys.

So I had to have it on a separate policy hmm cutting a long story and a few hours swearing down the phone I had a quote for the trumpet (complex due to now having to decide did i leave my no claims with the Honda or use on the Trumpet) and it was a bloody stupid price - so I told them to poke it take the HD off the policy and leave the Honda.

I then compared the meerkats, got confused and consulted a tubby singing welsh bloke and got a sensible quote for the trumpet (with pillion) - sorted, happy days smile

(sorry not done yet - stay with me)

Today I had a renewal come through for the Honda TBH it mattered not what the price was as they pissed me off last year so i wasn't giving them my business again (probably much to their relief biggrin) so I rang the company I insured the Triumph with for a quote on the Honda......

I asked if they could add the Honda to the Triumph policy and they said yes - Hooraa and gave me a price (as I could now use my NCB on both bikes) but it came out quite a bit more than a quote to have them both on separate policy's, one with only 12 months NCB - WTF??? so that's what I did  - saving £30 on what I paid on both bikes last year confuse

(just a bit more almost done now)

The quote I got for the Honda which I took it transpires is with the same underwriter as the renewal with the old insurer on the same terms but is £30 less confuse 

Now back to the beginning of this (if your still reading and not lost the will to live by now) and note this all started as I could not get pillion cover with old insurer on the Trumpet.....well when doing the quote for the Honda the nice lady asked 'do you want pillion cover?' so I said 'no the bike is not able to carry one, it has no pegs etc' she tapped away and said 'mmmmm that may be the case but if I take pillion cover off the price GOES UP £7' 

Feck me I'm lost with it - I couldn't get cover for a bike designed to take a passenger but can save money by insuring a bike that isn't capable of carrying one to do so!!!!! 

 

  

 



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devondan


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I'm about to go through the same trauma, I had insure the Norton seperately for similar reasons, I've also noticed that the IT and YZ have mysteriously got 21 years younger? Muppets all of them!

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jt


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Good luck mate - a big glass of single malt beside you when making the call is advised......

Maybe keep the bottle close as it won't be a quick call - even after the 20 mins of music and a robot telling you how sorry they are for not answering.....

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TTR


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eBike - may not be the cheapest but defo the easiest!

Got four bikes on my policy and 3 riders.

I put the bikes and my own details in first and got a price. I wondered how much extra to add my bro' as a 2nd rider - same price. So I added my son and, again, got the same price. So two additional riders added to the policy for nowt.confuse 

I guess there is a problem with the algorithm that calculates the price but it worked out well for me   biggrin

All done online with no robots and pressing buttons and 'orrible muzak!



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Wheely


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I do agree eBike make this kind of thing quite easy (almost too easy - and minor mid term changes generally cost nowt - as you do the admin yourself).

Not sure eBike would be someone I'd like to have to deal with for a claim though - as you dont even get a phone number. It wouldnt put me off using them unless I have something quite prestige/expensive to insure. And also if any usual broker was close in price, I'd go with them.

Although under an ombudsman, they do seem to be able to get away with blatant murder!! eg when I sold my 200 I kept its insurance running as it was way cheaper than cancelling it (even though I'd paid them 12 months in advance). There may be a legality technicality here, but I'm not giving a company 12 months money for a service, cancelling after 8 and then paying them more for keeping my remaining 4 months money. WTF.

For any law-men reading, the above paragrapgh is obvious I hypothetical example!!!



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Hoops


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Not my favourite bunch of people, insurers.  Anyway, refer them to the Ombudsman JT, they can usually become quite compliant when you mention this - not because your complaint has any merit, but due to the time and expense the insurance company is obligated to go to in dealing with the Ombudsman (you will have to raise a complaint with the insurer first though before the Ombudsman will even look at it).  I've had several success like this

ebike - I've never used them, but have heard first hand reports that they're easy/cheap to use, but problematic to contact, either at all or in the vent of a claim.

I've also had the same as Wheely - cheaper to continue with insurance rather than cancel it confuse

Not looking forward to renewal time... no



-- Edited by Hoops on Friday 29th of January 2016 08:44:45 AM

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RichT4


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Hi Jt - same happened when I tried to add my Hornet to my DRZ policy. It cost more to add it for the remaining 3/4 of a year than it did to start a fresh policy with no NCB.

I spoke to someone sensible about this and he explained why it happens. The best insurer for 1 bike is often not the best for another, especially if their type is different. Also there is the pillion passenger thing, to add the hornet to my policy would have also generated an admin fee to add pillion usage to the DRZ cover (even though it legally can't have pillions passengers).

One thing I have realised by all off this, which I found interesting...
At our age NCB makes no difference, as long as you have been consistently riding/driving and not had any claims. Sounds daft but I have lost all my car NCB due to having special camper insurance that doesn't give NCB. I worried about this until I got a comparison quote from another company and it was as if I still had full NCB.
Point being that they quote based on your risk alone. I think NCB is just a device to punish new or returning driver/riders and has less effect the older you get.



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doug9270


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Had the normal run in with the renewal quote on the CRF this week with S*****n.

1. CRF last year £70.64
2. CRF this year renewal £98.04 !!!
3. Compare the market = Devitt £74.00

I know this is the brookers game as many punters just let it renew and do not challenge the renewal cost.
My Car is with Saga who have learnt that looking after the customer and not pulling your pants down on renewal keeps you sweet so a small increase for inflation i can live with (was £2 increase) !!
So a ring to brookers was in order to see if they could price match, went through all the chat etc, i then challenged the operative on why a click of the mouse is going to cost nearly thirty quid more for renewal - silence.
He then dribbled about admin cost and inflation and put me on hold to apply various unmentioned discounts etc.
Two mins later he was back with a renewal price £75.00 bugger me i nearly fell off me chair.
So to this end i reminded him that the call was recorded and why not treat customers with respect and not frisk them of their hard earned cash !!!
Blood pressure up and 20 minutes of my precious time !!!

JT i feel for you.

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jt


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Not sure the fact it appears they are all equally crap makes me feel better or not......

I haven't told you about the car insurance yet !!!!!!! I'll save that for another wet and cold evening when nowt is on the telly



-- Edited by jt on Friday 29th of January 2016 11:46:18 AM

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jt


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I did forget to add that on a positive note the Indian lady in the call centre spoke better English than most English people I meet these days - and did her best bless her......

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philsil


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I remember many years ago that all bikes had to be insured for a pillion regardless of seat, footrests etc. My trials bike insurance went up as a result. We are talking mid 70s and I cannot remember any repeals

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Big T


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Wheely wrote:

I do agree eBike make this kind of thing quite easy (almost too easy - and minor mid term changes generally cost nowt - as you do the admin yourself).

Not sure eBike would be someone I'd like to have to deal with for a claim though - as you dont even get a phone number. It wouldnt put me off using them unless I have something quite prestige/expensive to insure. And also if any usual broker was close in price, I'd go with them.

Although under an ombudsman, they do seem to be able to get away with blatant murder!! eg when I sold my 200 I kept its insurance running as it was way cheaper than cancelling it (even though I'd paid them 12 months in advance). There may be a legality technicality here, but I'm not giving a company 12 months money for a service, cancelling after 8 and then paying them more for keeping my remaining 4 months money. WTF.

For any law-men reading, the above paragrapgh is obvious I hypothetical example!!!

I had similar when selling a previous vehicle - was cheaper to just let the policy lapse rather than cancel it. Can't really see that they would bother following it up, unless somebody tried to claim against your policy after you've sold it. They would, I guess, be able to tax it as the bike would technically still be insured?

 



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hampsterracing


Devon's Best

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You can only tax it if logbook and insurance are in the same name.as soon as you notify dvla of change of ownership existing tax is void.

 

but there are other issues with leaving the insurance to run .....................

 

http://www.visordown.com/motorcycle-news--general-news/biker-may-be-forced-to-pay-thousands-after-banned-new-owner-has-fatal-crash/25470.html

 

http://www.whitedalton.co.uk/motorbike-blog/2013/10/i-sold-my-bike-but-didnt-cancel-my-insurance/



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Hoops


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Interesting links Rog, one of the more sensible debates on Visordown.  The last post is about a year ago asking how it all got settled, if at all, but no response.  It makes me mad, it seems the gneuine honest customer is shafted either way furious  (P.S. Might be riding out you way Monday if you're about, be nice to meet up again).



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devondan


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I had to take direct line to the ombudsman when I wrote of my Alfa, they offered me about half what I paid for it 6 months before. They were unfazed and refused to discuss valuation even though they promised they would. I won my case and they had to cough up plus interest. I was lucky that I didn't need the money there and then to buy another car.

My Norton has a modified frame, and 21" front wheel (as with most British trials bikes) which seems to come as a surprise to them and makes them reluctant to insure.

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chrisoncbr


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What progress on the Norton, Dan?



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