Insurance Con Men

JodieWodie · Reflective Banana Joined: 22 Jul 2004 Karma :

Can't really afford to keep bike and car running, so decided to chop car in for about £100
The MOT has expired, and I am not chucking money at it!

Anyways... it has been insured since October 07, so expires this Oct
Called Budget to let them know I needed to cancel... ONE HUNDRED AND TWENTY FIVE QUID!!
£90 early charge as they don't do 'short term insurance' (ie under a year), and £35 cancellation fee

So, basically, that is costing me OVER the odds, as my monthly car insurance was £27. I may as well have paid up until September! That would be £108!!

Robbin cnuts
I need to rob a bank
sigh

J x
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Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

SoND · World Chat Champion Joined: 10 Jul 2005 Karma :

Just keep the insurance and get the no claims bonus out of it.
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Go back to bed - You have no rights - "Streetfighters ~ Mainstream motorcycling's crackwhore sister."

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

That would be a gamble unless the car is being scrapped. If the new buyer then insures it then 2 policies will show on the MID.

Expect some questions from the Police should the new owner then get tugged.
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Pedd · World Chat Champion Joined: 24 Mar 2008 Karma :

bung car in garden and sorn it ff road then scrap it when ins is up Smile

Harold_Shand · World Chat Champion Joined: 07 Jun 2004 Karma :

WOW!

Fucking hell! Talk about a coincidence!

I have just chopped my car in. I scrapped it and got £100.

My insurance also runs out in October.

I also cancelled my insurance, ALSO with Budget tonight.

I am also BREWING that I will not see any refund from my £230 premium even though I have only been using them 7 months. Budget are robbing bastards. £30 for a change of address, too.

Blimey Jodie, I feel your pain, sister. Let's not use them again, let's put it behind us and look forward to a cracking summer.
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BCF's 6th favourite poster 2009-2010

Harold_Shand's theory might be the best explanation.

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

What a lovely company they are....
Just goes to show how carefully you should read the t/c.....

andrew · Mister Road Rage Joined: 03 Feb 2002 Karma :

I know the say the following but surely the less time you spend driving a car the less risk there is of a pay out which would surely offset the fraudulent claims?

It should say we're robbing bastards and can do pretty much whatever we like.

"Higher premiums apply to car insurance policies held for reduced time periods because of the increased risks to insurance companies from fraudulent claims activity"

WildGoose · White Van Man Joined: 21 Mar 2002 Karma :

Reading those T+C it is clear they are a bunch of clowns, unfortunately you have probably agreed to those conditions somewhere along the line.

I'd still be tempted to not pay them another penny on principle of the thing, they haven't lost anything you haven't claimed, so short of a few hours paperwork they still made money off you.

You scrapped the car, therefore you no longer need the insurance, what right they have to charge you for a service you won't be recieving i'm not entirely sure.

Having said all that, you will probably just find the bailiffs after you a few months down the line, so in this fucked up society it is always best to bend over if you like a quiet life.
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So in other words, he stopped you for being flagrantly in posession of a motorcycle in direct contravention of the Hippies, Darkies and People Whose Face I Don't Like The Look of (Police Powers) Act. 1976

andrew · Mister Road Rage Joined: 03 Feb 2002 Karma :

To be honest i wouldn't pay them a penny, you can't be refused insurance elsewhere because of it and to get the bailiffs around they'll need to go to court which is probably not worth the hassle for them.

If you do go this route be prepared to ignore some strongly worded letters threatening all sorts.

MCA tried something similar with me, they got the details of my bike wrong, when i noticed they insured me on a YZF1000 instead of a YZR-R1 they asked me to stump up the extra money. When i told them i wouldn't be doing that and cancelled my policy they asked me to pay a cancellation fee which was more than the difference between the cost of insurance on the two bikes.

I promptly told them to f*ck themselves, after a few months they gave up trying to get their money.

Cigaro · World Chat Champion Joined: 28 Mar 2007 Karma :

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

I never said it was illegal, just expect some questions. I don't even know the slightest thing about law but would expect the police to see why 2 people are insuring a car.

I cant see that it is 'legal' per se, to attempt to improve your no claims discount entitlement by insuring a car you do not have.
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My mum smells your fingers

Cigaro · World Chat Champion Joined: 28 Mar 2007 Karma :

Suppose you're right. Plus if the new owner has a hit'n'run then it may well come back to your insurance company.

JodieWodie · Reflective Banana Joined: 22 Jul 2004 Karma :

Hi all
Thanks for the insight into these robbin twerps

I paid in the end
Had to cancel it.. car was sold
Bit of a gutter

They had my account details as I paid monthly
They simply said okay we have cancelled it, you owe us, we will take half the amount this month, half next. End of

I am off for a drink Smile

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Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"