Bikesure - what a load of .............

[steadysteve]

Hi,

As we are a broker unfortunately we don't control the requirements that the insurers set.

A requirement for a Sold Secure lock to be fitted when the motorcycle is unattended for theft cover to apply is very common with insurers, the same as many insurers have a garaging endorsement which states if you have declared the bike is garaged, it must be garaged when at home for theft cover to apply.

A Sold Secure lock doesn't have to be a large chain, you can get disc locks that are Sold Secure rated. Personally I wouldn't leave my bike anywhere without at very least a disc lock fitted. They will even fit in your jacket pocket if you don't use a top box/panniers.

I can only apologise if you feel this requirement is impractical, it's just something we cannot control as a broker.

Kind regards,
Jordan

Hi Jordan,
no problem with fitting a sold secure disclock- my issue originally was that a big chain and padlock takes up the maximum weight capacity of a pannier leaving nothing but space for it to bounce around in damaging the inside of the pannier.. Don't particularly want to carry a pannier around on every ride out either...or have the weight in a top box.

Can't find the PM I sent you originally- I cleared them all out when the box was full.

I don't recall seeing anything in my documents about about the 'Sold Secure' requirement, or being told about it when taking out the insurance?
Will check my documents but basically you have cleared up my original question by explaining the Disklock/Sold Secure requirement.
Thanks.

 

[Paul S]

FFS... yes, obviously.

My bike will be much safer unlocked in a my local Waitrose car park than it would be with a disc lock in Central London.

This is so completely obvious that I believe you're just trolling me now. If I was in Central London, I'd use my common sense and judgement and would probably chain the bike to something immovable.

You still haven't answered the question that I've asked you several times which is: do you fit your disc lock every time you leave the bike out of sight - even if it's just for 30 seconds. Because if you don't, and something happens, then you're screwed - because you've promised your insurance company that you will do so.

I wasn't willing to make this stupid promise.

Trolling!!!!

Just thought it strange that you think it so unreasonable that an insurance company should ask you to put a security devise on your bike when you leave it unattended and out of site - sounds perfectly reasonable to me but hey oh each to their own

 

[Paul S]

Aha, 4th Dimension..................another reason to AVOID

I had reason to use CN Assist, last weekend - a 1st class service

Last time I claimed with CN (2013) they were using 4th Dimension and to be honest I found them OK

 

[Blackal]

Hi,

As we are a broker unfortunately we don't control the requirements that the insurers set.

A requirement for a Sold Secure lock to be fitted when the motorcycle is unattended for theft cover to apply is very common with insurers, the same as many insurers have a garaging endorsement which states if you have declared the bike is garaged, it must be garaged when at home for theft cover to apply.

A Sold Secure lock doesn't have to be a large chain, you can get disc locks that are Sold Secure rated. Personally I wouldn't leave my bike anywhere without at very least a disc lock fitted. They will even fit in your jacket pocket if you don't use a top box/panniers.

I can only apologise if you feel this requirement is impractical, it's just something we cannot control as a broker.

Kind regards,
Jordan

Barry seemed to be implying that you were also underwriters in your own right...........................

Hello mpriestley,

Thanks for your enquiry. The base on which the discount is given is written into our schemes already so it is very much dependent on the risk details and the usual underwriting criteria such as postcode, age, motorcycle and ncb.

We also have the facility to offer 'flat rated' policies which are underwritten in house by our specialist motorcycle policy underwriters which allow us to further discount the rate if necessary.

Thanks

Barry

If you are merely brokers - you have to wonder just what was Barry claiming? "underwritten in house"



Al

 

[Blackal]

. What exactly is the risk associated with leaving it parked outside Waitrose for 20 minutes?

...

The underwriter will set the requirements for which he accepts the risk - that is the nature of insurance underwriting.

But - if your assessment of the risk is correct - there is nothing to stop you leaving the bike unattended sans security chain, knowing that the bike will be there when you return. The insurance company will never know.

But - if it does get lifted, then it is tangible proof that their assessment was correct.

Al

 

[jackassdave]

lets be honest they are just legal robbers going under the guise of an insurance company they are there to make money ,and they make it by not paying out .
i am not going to go into my dealings with them but they are just a bunch of shysters .
and thats my ten penneth worth

 

[Bikesure]

Barry seemed to be implying that you were also underwriters in your own right...........................



If you are merely brokers - you have to wonder just what was Barry claiming? "underwritten in house"



Al

Hi,

We are brokers however we do have a limited number of schemes where have the facility to 'flat rate' a premium - This means we have in house staff that can underwrite an individual risk. This therefore gives us the best of both worlds having access to a large number of insurers AND the facility to underwrite risks in house too. We are an intermediary so we therefore work on behalf of a number of different insurers.

I hope this helps.

Kind regards,
Jordan

 

[Binky]

I had a bad experience with these guys too on Friday...perfectly nice kid but had to put me on hold about 6 times while trying to get info. It took over 32 minutes to get the quote...which was pretty frustrating ...and then the quote arrived: £979...SERIOUSLY!!!! Okay it is a second bike, so no no claims bonus, for company use and ownership...but for 5000 miles pa, no points, claims, convictions and over 50 , kept in locked garage, countryside address in Hants...GET REAL!!! so far other companies have quoted just under £400...I'm still getting quotes and should be able to get this down further....

 

[jeremyj]

what a company last year £111.00 this year £221.00 only changed last year from Bennett as they doubled premium, Bennett just come back with quote £140.69

 

[Jacal]

These posts do not make good reading re the double glazing sales...Oh sorry Insurance profession

Oh and I DON'T use a chain and lock or that disk breaker lock thingy, if it's left for any amount of time I put the steering lock on and alarm....it's already immobilised!

 

[stolzy]

For the BikeSure guy on here to pass the buck to the underwriters tells us a lot about BikeSure. They choose the underwriters for their policies. They choose underwriters with restrictive conditions to make their quote appear cheap and lure you in to a policy which, in all likelihood will never pay out if the bike is stolen.

If they're happy to deploy bullshit arguments like this when they're trying to win business, you can draw your own conclusions about what they'll be like if you have to make a claim.

 

[Bikesure]

I had a bad experience with these guys too on Friday...perfectly nice kid but had to put me on hold about 6 times while trying to get info. It took over 32 minutes to get the quote...which was pretty frustrating ...and then the quote arrived: £979...SERIOUSLY!!!! Okay it is a second bike, so no no claims bonus, for company use and ownership...but for 5000 miles pa, no points, claims, convictions and over 50 , kept in locked garage, countryside address in Hants...GET REAL!!! so far other companies have quoted just under £400...I'm still getting quotes and should be able to get this down further....

Hi Blinky,

Thanks for the heads up on this one, I appreciate it.

Would you mind sending me a PM with your name, post code and bike reg? I'm keen to look into what has happened here as our average call lengths are much shorter than this and you should only typically be placed on hold once whilst we refer to the underwriter.

If you can let me know the above I will look into this and also take a look into why we were so far out this time.

Kind regards,
Jordan

 

[Binky]

I would if I knew how to...Postcode is RG25 2DU...bike reg I don't have as it will be arriving in about 10 days. I called BMW who came in at £539 with a bucket load of extras inc leathers, helmet breakdown and v low excess, oh yeah nearly forgot Track day included!!.....That's not too bad and I may spend a bit more on this. Jordan...please can I ask how a specialist like Bikesure comes up with £979 quote and BMW can come up with far better cover for £400+ Cheaper...let alone the excess and loads of extra cover etc.

 

[JohnnyBoxer]

I wouldn't advertise your postcode in public

 

[Binky]

one day i'll get the hang of this internet thing.

 

[Binky]

These posts do not make good reading re the double glazing sales...Oh sorry Insurance profession

Oh and I DON'T use a chain and lock or that disk breaker lock thingy, if it's left for any amount of time I put the steering lock on and alarm....it's already immobilised!

Be careful with that...just seen a youtube thing where a GSA is nicked in 20 seconds with alarm, immobiliser and steering lock on! The scum come along and just give the handlebar a firm bang left and right...bye bye steering lock. then they come back with a scooter and the scooter driver uses his right foot to propel the GSA, probably against pillion footpeg and off they go alarm going lights flashing and does anyone give a toss...of course not. Probably to van in a quiet side street...then parts are on ebay a few days later

 

[Jacal]

Be careful with that...just seen a youtube thing where a GSA is nicked in 20 seconds with alarm, immobiliser and steering lock on! The scum come along and just give the handlebar a firm bang left and right...bye bye steering lock. then they come back with a scooter and the scooter driver uses his right foot to propel the GSA, probably against pillion footpeg and off they go alarm going lights flashing and does anyone give a toss...of course not. Probably to van in a quiet side street...then parts are on ebay a few days later

Yep! If they are intent on stealing it, no manner of locks will stop them BUT I have taken all reasonable precautions to stop them by using "factory fitted" security. I've checked my insurance documents and nowhere does it stipulate the use of extra locks. I pay £208.37 for fully comp.

Like Stolzy said "If they're happy to deploy bullshit arguments like this when they're trying to win business, you can draw your own conclusions about what they'll be like if you have to make a claim."

 

[stevelup]

I don't think these clauses are at all normal. It's renewal time for me, so I ran some quotes and grabbed the policy booklets. None of the three cheapest quotes had any stipulation about additional security, nor did either of my previous insurance policies.

Just as a point of interest, my quotes ranged between £257 and £383 with my current insurers renewal being £264 and Bikesure being £368.

 

[Melch]

It's the same old, same old. Have a big advertising push, get on some forums (with a 'hey, I'm your friend' type person that no doubt spends his time on various bike forums to try and bat off bad press), sponsor some events, and initially provide a reasonable service. Once it starts paying off, start turning the screw, get greedy and don't employ enough decently trained staff that know what they are doing.

Treat your customers like idiots at your peril! Sadly though, vehicle insurance is a legal necessity which is how they get away with acting the way they do. I treat bike insurance like another tax and just assume I will get shafted with regular monotony. I've yet to be disappointed.

 

[Blackal]

It's the same old, same old. Have a big advertising push, get on some forums (with a 'hey, I'm your friend' type person that no doubt spends his time on various bike forums to try and bat off bad press), sponsor some events, and initially provide a reasonable service. Once it starts paying off, start turning the screw, get greedy and don't employ enough decently trained staff that know what they are doing.

Treat your customers like idiots at your peril! Sadly though, vehicle insurance is a legal necessity which is how they get away with acting the way they do. I treat bike insurance like another tax and just assume I will get shafted with regular monotony. I've yet to be disappointed.

In a nutmeg...........