Oh for cocks sake (Insurance)

veeeffarr · Super Spammer Joined: 22 Jul 2004 Karma :

Got my insurance docs through today, wondered why the quote was so cheap, muppet has put down excluding commuting, and me as a member of the IAM, even though I explicity told him I wasn't.

So can't ride into work tomorrow morning, PITA.

T

Phoenix · Twisted Firestarter Joined: 01 Aug 2002 Karma :

Just ring up and tell them they put some details wrong on the paperwork, no commuting when there should be and IAM where the shouldn't be. Just say it as if it's just a clerical error you want fixing and they should just say ok, i've sorted that and will send replacements out no charge, always works for me.

Works with mileage too, if you want to increase you limit they seem to change it for free afterwards if you make out it's been an admin error, but if you increase your mileage in the quote it boosts your premium a lot, did this when I insured the Pontiac. They wanted an extra £200 if I insured it for 10k per year rather than 7.5k, so I insured it for 7.5 then 3 weeks later rang up and got it changed to 10K for free because it was an error.... Laughing

Scouse · World Chat Champion Joined: 12 Feb 2004 Karma :

veeeffarr · Super Spammer Joined: 22 Jul 2004 Karma :

Fook me, the whole damn policy is wrong, like it's got me as married, 1995 miles a year, wrong year of make, says I passed my test in 2003...

Jesus

trevoriv · World Chat Champion Joined: 04 Jun 2005 Karma :

veeeffarr · Super Spammer Joined: 22 Jul 2004 Karma :

Well my previous best quote was £700, and they've honoured the price of £290 even though it blatently should be well more.

Thumbs up to MCE, someone's getting fired today tho I think Very Happy

T

lightfoot256 · Nitrous Nuisance Joined: 12 May 2005 Karma :

MCE Did the exact same thing to me. They did offer me £200 off the insurance I should have had though so it did work out in the end. Plus they offer cheaper than anyone else I've ever been with... but that's 3 years in a row they've messed up and each time they offer me a deal... ooops.

Chris

damz · World Chat Champion Joined: 15 Jul 2007 Karma :

the company changed my details in order to get me a cheaper quote, i gave them all my details, they confirmed it, then they said they'd phone back in a minute to see if they can get it cheaper.

phoned backed and said it was all done, sent through the paper copy and some details had been changed, phoned up and they said it was ok :S apparently they do that sometimes to get you a cheaper quote.

J.K.R · World Chat Champion Joined: 06 Feb 2005 Karma :

colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

veeeffarr · Super Spammer Joined: 22 Jul 2004 Karma :

colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

unfortunately i think most people arent as meticulous which is why they probably usually get away with it
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st3v3 · Super Spammer Joined: 16 Oct 2006 Karma :

Surely in the case of it coming to light due to an incident/accident the call of sale would be used to verify the customer gave the right details, or would it 'be lost'?

Polo · World Chat Champion Joined: 05 Sep 2007 Karma :

If you are adamant that you told them differently to what they have provided then ring them up and kick off. Many companies now have telephone voice recording and they can go back and listen to the advisor accepting the quote. Make sure you tell them you want you complaint logged and details of the FSA complaints procedure enclosed with their response (they have to send it anyway but will show you mean business)

I recently done this and got £50 as a gesture of goodwill along with the cover I should have had at no extra charge.

Thumbs Up

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colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

yeah they probably keep phone records for a fair while, maybe even a year.

i guess the person who loses out will be the underwriter, as they are covering a higher risk person than they realise, for the price of someone safer
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ms51ves3 · Super Spammer Joined: 08 Jun 2007 Karma :

Does anyone else think the inclusing/excluding commuting is a bit of a con? Why should you have to pay more to use your bike to get to work and back? My mum doesn't pay more to use her car to get to work and back.

colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

some people only have a bike as an occasional weekend toy

i think it makes sense that they pay less thatn someone who rides their bike everyday

i may get a car at some point and it would only be for occasional use, so id get an old one and have it on a classic car policy which would be for recreational use only, not business or commuting. I've looked at prices and its about a third or less, which makes sense, as i wdnt use it often
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colin1 is officially faster than god

ms51ves3 · Super Spammer Joined: 08 Jun 2007 Karma :

jackw72 · World Chat Champion Joined: 18 Nov 2006 Karma :

Surely, someone who rides their motorcycle everyday would be more skilled than a Fairweather rider and thus more safe...

Maybe adding the annual mileage to the equation as well, so a lower annual mileage = a shorter route to work and back = less risk = less premium.

Question

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Phoenix · Twisted Firestarter Joined: 01 Aug 2002 Karma :

My Pontiac is insured with MCE too, but they didn't actually put anything down wrong on my policy, they just got told they did Smile

They have tried to screw me many years ago for something else but endless phonecalls to managers got it sorted, wasn't a clerical error was them being devious lying gits.

colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

lukey · Borekit Bruiser Joined: 29 Aug 2007 Karma :

Ebike dont give you the option as they automatically include commuting in with the price on fully comp, which is okay for me as that what i use my bike for aswell
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Honda X11 (CB1100sf)

Stiffler · World Chat Champion Joined: 24 Sep 2006 Karma :

Barry_M2 · World Chat Champion Joined: 09 Sep 2004 Karma :

Speaking of Carol Nash, I currently have my ZXR insured with them and decided to do an online quote for the 916.

It came in at £277 fully comp, but I closed the window by accident! So, went through the process again, everything exactly the same but this time the quote came back from a different underwriter as £144. Needless to say I nearly choked on my cuppa tea and quickly went ahead and brought it!!

Now why they didn't give me that quote in the first place puzzles me! Confused

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CBR1000 RR4 - For the track.
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jay12329 · Dr. Evil Joined: 02 May 2003 Karma :

Still take a bit of work to beat what I had.
About three months into my policy I received new document. I thought this was odd. When I looked they were for someone with a different name, address, bike, everything. But now I know Mr Smith doesn’t have any security in his garage but does have a nice 07 reg cbf600. I called the company involved and they didn’t seam that bothered just said to put the documents in the bin!
Rolling Eyes

J
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