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e-bike insurance.. wow, just wow!

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DrDonnyBrago
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Joined: 03 Jan 2010
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PostPosted: 15:49 - 07 Jul 2010    Post subject: Reply with quote
Buy a moped frame with a V5 and insure that Thumbs Up.
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DrDonnyBrago
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Joined: 03 Jan 2010
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PostPosted: 15:54 - 07 Jul 2010    Post subject: Reply with quote
Alex A wrote:
There's absolutely nothing wrong with a bike being referenced by two different insurance policies. And there's similarly nothing wrong with a bike being insured by someone other than the registered keeper.

And IF it was involved in an accident, it is the rider who holds the liability on any damages, and it is the rider who must show that he is insured on the vehicle. The fact that a former owner still has a valid policy is entirely irrelevant.

You should have let it run for the no claims.


What if it is nicked or burnt - both policies would offer cover for that; I can see the new owners ins co being arsey about splitting the bill with his ins co.
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Jayy
Mr. Ponzi



Joined: 08 Jun 2009
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PostPosted: 16:12 - 07 Jul 2010    Post subject: Reply with quote
supZ wrote:




nice result there Smile


Yeah, if they actually get off their arses and process it quickly. The good / negative balance has to be restored though and I opened my post this morning.

Summons to court on 29th July for my speeding offence 3 months ago. Bugger.
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Alex A
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Joined: 05 Mar 2007
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PostPosted: 16:26 - 07 Jul 2010    Post subject: Reply with quote
DonnyBrago wrote:
Alex A wrote:
There's absolutely nothing wrong with a bike being referenced by two different insurance policies. And there's similarly nothing wrong with a bike being insured by someone other than the registered keeper.

And IF it was involved in an accident, it is the rider who holds the liability on any damages, and it is the rider who must show that he is insured on the vehicle. The fact that a former owner still has a valid policy is entirely irrelevant.

You should have let it run for the no claims.


What if it is nicked or burnt - both policies would offer cover for that; I can see the new owners ins co being arsey about splitting the bill with his ins co.


If it is nicked or burned, he (the former owner) won't be making a claim, because he won't be interested. And his insurance won't be interested because he is no longer the owner/rider/keeper of the bike.

If the new owner wants to make a claim, he will have to do it on his policy.
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ollieholt
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Joined: 09 Apr 2010
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PostPosted: 16:26 - 07 Jul 2010    Post subject: Reply with quote
bennets wanted 25 £ to tell them i had changed my alarm form a meta (which imploded) to a cat 1 data tool all the bells and whistles. they wanted 25£ admin fee. what the hell! why arent teh government cracking down on the insurance companies? they take the piss, no one else in society is allowed to discriminate due to age, race, religion, sex etc etc but insrance companys casn, we legally have to have it. i can see why some people onteh road dont bother. my car insurance went from 900 w/3 years no claims to 1500 a year later w/ 4 years no claims and a year older. i cannot find a cheaper quote then 1300 on the net anywhere, how can they possibly justify this? i posed them no risk and havent done for 4 years.... they piss me off big time. its a massive dark cloud for me.
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supZ
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Joined: 03 Feb 2009
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PostPosted: 16:37 - 07 Jul 2010    Post subject: Reply with quote
DonnyBrago wrote:

What if it is nicked or burnt - both policies would offer cover for that; I can see the new owners ins co being arsey about splitting the bill with his ins co.


lol talk about over complicating things..

the new owner isnt even going to know an existing policy exists!!!!!! if he has a problem he's going to call HIS insurance and HIS alone.

insurance is held by the person not the vehicle. even if this new owner knew it had an existing policy he couldnt claim on it as its not in his name

Idea
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Cheeseybeaner
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Joined: 15 Jul 2010
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PostPosted: 20:16 - 05 Oct 2010    Post subject: Re: e-bike insurance.. wow, just wow! Reply with quote
Ste wrote:
ApriliaNutter wrote:
Full 4 months should roughly give me back £105 for unused period.

No it won't, there's always cancellation charges and admin charges to discourage people from cancel mid way through the policy. Just leave the policy running.


Not a good idea if you've sold the bike...
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L-Jam
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Joined: 15 Jan 2008
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PostPosted: 20:56 - 05 Oct 2010    Post subject: Reply with quote
wringle wrote:
I am working on starting up my own online store, and have my business license, EIN, etc. Next I figured I had better get insurance, and I am not really sure where to go for this. Do I need to get an E-Commerce Insurance plan? Is that all I would need or would I need more than just that?



The answer lies within your heart.
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Bloke
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Joined: 06 Aug 2010
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PostPosted: 21:08 - 05 Oct 2010    Post subject: Reply with quote
L-Jam wrote:
wringle wrote:
I am working on starting up my own online store, and have my business license, EIN, etc. Next I figured I had better get insurance, and I am not really sure where to go for this. Do I need to get an E-Commerce Insurance plan? Is that all I would need or would I need more than just that?



The answer lies within your heart.


The answer lies within his signature. Smile
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Yarri
Crazy Courier



Joined: 18 Nov 2006
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PostPosted: 12:50 - 06 Oct 2010    Post subject: Reply with quote
Recoil Jay wrote:
Just had a phone call from one of the customer relations team at Express Insurance. They listened to the phone call with that daft brummie bird and said they're not happy with the way she spoke to me. I'm sure they all had a laugh at my verbal abuse I was giving her but they're right, she was clueless and winding me up the bint.

They said the DR10 from 6/7 years ago wasn't an issue and was fine. They also said they were refunding my deposit + giving me an additional £25 back for my time wasted ringing them.

Result.


Hmm, 25quid for calling someone a daft cunt, not bad Laughing
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Kal
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Joined: 02 Jan 2007
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PostPosted: 15:37 - 06 Oct 2010    Post subject: Reply with quote
ollieholt wrote:
no one else in society is allowed to discriminate due to age, race, religion, sex etc etc but insrance companys casn, we legally have to have it.


It's all down to the numbers. The insurance is essentially a bet that you wil cost the insurers money based on a number of factors.

Live in a highcrime area, or share demographic details with a group likely to cost the Insurers money then it will cost you more.

In your specific case I'd suggewst something has happened in the last year in your local area or demographic group to suggest you might be a potentially more expensive risk than previously assessed.
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Old Thread Alert!

The last post was made 15 years, 328 days ago. Instead of replying here, would creating a new thread be more useful?
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