Bastards!

[Sunny Jim]

So, GSA stolen in May (my 1st claim ***ever*** for a theft) & premium went up £200.00+ last month.

Got the renewal for multi car policy a couple of weeks ago at £445.00 with LV & on connecting them today to disclose the bike theft the bastards device they want a slice of me too... that'll be £650.00 today thankyou very much

As much as shopped around I couldn't beat it and had to suck it up.

WTF has the bike being stolen from a locked garage got to do with my cars being parked on the road?

Did I say I hate these thieving bastards as much as the cnuts who took the bike???

 

[Daxaar]

The cumulative cost of a claim over the following years is the kicker. Seriously unfair when they come at you from both sides like this.

Wherever I look on the internet at the moment I'm hearing about bike theft. In the previous 25 years of riding I've only ever given it a modicum of my time, but whilst I always try and remain objective, I can't help lately but always be thinking about it when out on the bike.

 

[RedRick Esq.]

Makes one wonder why bothering paying extra to protect no claims bonus

 

[Wapping]

Makes one wonder why bothering paying extra to protect no claims bonus

The NCB is a (percentage) discount, applied to whatever the renewal premium is. It is not a fixing of the level of future premiums.

Several insurers are currently offering fixed price, two or three year deals. Buy one if you want reasonable certainty as to future cost.

 

[Wapping]

So, GSA stolen in May (my 1st claim ***ever*** for a theft) & premium went up £200.00+ last month

What was last year’s premium, which went up by £200 - 50p a day - following the theft of your bike?

 

[Neil W]

So, GSA stolen in May (my 1st claim ***ever*** for a theft) & premium went up £200.00+ last month.

Got the renewal for multi car policy a couple of weeks ago at £445.00 with LV & on connecting them today to disclose the bike theft the bastards device they want a slice of me too... that'll be £650.00 today thankyou very much

As much as shopped around I couldn't beat it and had to suck it up.

WTF has the bike being stolen from a locked garage got to do with my cars being parked on the road?

Did I say I hate these thieving bastards as much as the cnuts who took the bike???

Good friend took his daughters car off the driveway of the house, he was fully covered to drive it (this was on a nice quiet private housing estate ). This was to get his bike out of the garage , he then parked it securely in his allocated parking bay outside the house. Minutes later the neighbour across the road reversed out of her drive without checking and straight into the side of the car causing well over £1500 of damage .
Now his daughter who was over 100 miles away at the time automatically became a greater risk to insure according to the insurers statisticians and because my mate was classed as being involved in "an incident " his car insurance was hit with a loading as he also became a greater risk and they also stuck a premium on his bike insurance at renewal time a few months later .
On a positive side they did not lose their no claims discount .......... that went a couple of year later when an uninsured , disqualified driver in a "borrowed " car wrote off her car in a hit and run incident

 

[L2RKE]

The bastids will get you anyway they can. I was going to claim on my Household cover for a fridge/freezer full of food, but it turned out I couldn't because I hadn't had it serviced Who the hell services their fridge??? But they still loaded my cover for a few years, as I was a bad risk.

 

[rovert57]

Makes one wonder why bothering paying extra to protect no claims bonus

I always thought that your protected no claims was only viable if you stayed with that particular company .

 

[Davey B]

It is somewhat annoying that a burglary of a garage to steal a motorcycle should increase the premium of a totally seperate policy that covers a car parked on the roadside. Presumably house insurance also increases?

 

[Wapping]

I always thought that your protected no claims was only viable if you stayed with that particular company .

Why then does a potential new insurer, usually ask the prospective new customer for:

A. Details of any exiting NCB?

B. Evidence of same?

 

[rovert57]

Why then does a potential new insurer, usually ask the prospective new customer for:

A. Details of any exiting NCB?

B. Evidence of same?

That’s what you have at the time of requesting a quote would you be able to say yes I’ve had a claim but I purchased a protected NCB policy .would you be able to claim on that policy for your increased premium .

 

[PitaNaanRoti]

I had a driver who caused an accident with OH and teenager.
Cost him and his insurance company a lot of money.
OH’s bike has both of us on it and teenagers has me too as a second rider.
So renewals had increases - we went after him under legal cover for “uninsured loss” and won.
2x vans, car, 9x bikes.
Had to agree with some of the companies to stay with them for x time as they calculated the premiums and % increases for his insurance company to pay. He had to foot some of it due to him getting 3 points for driving without due care and 3 points for careless driving. Traffic on the scene wanted to do dangerous BUT the threshold for proof is higher and if CPS decided it wasn’t met could drop the lot.
Pays to read your policies and not be afraid to raise a stink.

 

[Wapping]

but I purchased a protected NCB policy .would you be able to claim on that policy for your increased premium .

No.

Your protected NCB was a part of the contract you entered into with your existing insurer. Your contact with them ceased:

A. At renewal, assuming you didn’t renew with them.

B. The moment you switched to the new insurer of the vehicle.

Nowadays NCB’s are not so often expressed as a percentage. More commonly they are expressed in years…. “I have 10 years’ NCB” for example.

They are pretty much out of date now, as they hark back to a time when there was very little choice of insurer and / or little market to shop around into. They should drop the silly things, as they only serve to confuse.

Other than that, Motor insurance is the wild west of consumer driven insurance; if we treated our ‘professional’ buyers of (re)insurance the same way, we’d be:

A. Fired / sacked.

B. Talking to the FCA, probably with the help of a lawyer.

 

[ATT]

I was charged likewise on a car policy because of my bike being written off, I challenged it and got a refund plus interest for the amount they overcharged me on two of my other vehicles.

Insurance companies are utter c u n t s , as are those who try and defend the utter c u n t s.

I hope they all suffer early deaths and burn in hell eternally.

 

[Robbi]

I was charged likewise on a car policy because of my bike being written off, I challenged it and got a refund plus interest for the amount they overcharged me on two of my other vehicles.

Insurance companies are utter c u n t s , as are those who try and defend the utter c u n t s.

I hope they all suffer early deaths and burn in hell eternally.

You having a good day. ?

 

[Pepsi]

If you can, never disclose anything to your insurance company!

 

[JohnnyBoxer]

If you can, never disclose anything to your insurance company!

Recipe for insurance cancellation

 

[glenn2926]

I was charged likewise on a car policy because of my bike being written off, I challenged it and got a refund plus interest for the amount they overcharged me on two of my other vehicles.

Insurance companies are utter c u n t s , as are those who try and defend the utter c u n t s.

I hope they all suffer early deaths and burn in hell eternally.

They’re definitely up there with estate agents.

 

[PitaNaanRoti]

They’re definitely up there with estate agents.

Worse than estate agents.
There is literally no one to keep these fuckers in line. They break regulations and laws every day yet are seemingly immune.
Even worse now we are no longer in the EU.
As Wapping said above - any other area and they’d be needing lawyers.

 

[Davey B]

Recipe for insurance cancellation

I suspect that what he meant was to only answer what they specifically ask as opposed to telling them things they've not asked for.....