Hastings Insurance, what a bunch of cunts.

[Whosthedaddy]

Had initial settlement quote for the GSXR, what a fecking laugh?!

Bought 6th august for list price of £7999, stolen on 8th November and according to them the price for a like for like swap or current Market value is...






...£5445?

No marks, scratches or miles ( well less than 1500).

Let the shouting down the phone begin tomorrow.
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[MarkJ]

Got any GAP insurance?

[27cows]

That's insurance companies for ya. I wouldn't have insurance if it wasn't a legal requirement. I only ever have 3rd party. Having said that, I've not really got anything worth nicking
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The RXS100: vehicle of choice for Chuck Norris

[ms51ves3]

[Tenantry13]

[bikertomm]

Fucking hell

Bash 'em hard.


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07' Honda Hornet now full powaah! My guide on performing an oil change!

[JP7]

[G]

Quick check on biketrader shows an 'ex-demo' 10 reg at a dealers for £5995 with under 300 miles. Possible you can get a bit off that too.
There offer does seem a bit cheeky, but not too far out - it's part of the price you pay for buying new.

[tvr321]

It's value plumetted the moment you rode it off the forecourt.
You probably should get a little more, but not much.

[Mr Hammers]

[cloric_tzr]

bastards. im with mce n luckly there head office is 5 miles down the road in rushden so if they fuck me ill fuck them with a jerry can and lighter see how easy it is for them to claim on their insurance .
plus i dont quite know how it works but they say like for like or equivelent market price. . . well my bike a 22 year old tzr 125 classic now. i payed 300 squid for her. spent well more than that all in but insured her for £500 pound value but i keep seeing bikes exactly the same being sold by dealers + private restord for £1000-£1200. so if they wanted to argue id just say look really u ow me that price. see what they say. +1 for only insuring because you have to whoever said tht.
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i dumped my girlfriend the other day! she wouldnt act out one of my fantasy's. all i wanted her to do was come home from work, catch me fucking her sister and join in!!! miserable bitch!
My wifes so ugly, the only thing that goes down on her
Is the internet connection.

[Paulington]

This is why I fail to understand why people with any common sense buy new vehicles?

The moment your wheels rolled off the forecourt you lost ~£1000 whereas there are always bikes and cars about that have less than 1k miles, are still brand new, in warranty and everything for a huge discount off the price.

Whilst I understand SOME people have to buy new, I am firmly of the advent that I will never do so.

My family have a new car every 3 years which are actually brand new, but we lease our cars brand new as in the end it works out cheaper compared to the depreciation.

For example our current car isn't worth much more than £12,000 now (2008 Mitsubishi Lancer GS4 2.0 DI-D with all the optional extras) whereas we would have paid £22,000 for it brand new at the time. Instead we paid £225/month for it so it only cost us around £8k for 3 years usage instead of £10k.

If there was a way I could lease/hire purchase motorcycles then I would rather than buying them. .
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[pits]

[Welshd1k]

[Welshd1k]

[Paulington]

[P.addy]

[Black Knight]

Aye, first offer can be worked on considerably but I would add you'll always lose a lot when buying new.

The VAT alone is £1400. That leaves £6600 if it was brand new, which it's not.
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Where does a turn end? 'Where you can do anything with the gas you want to, where you are brave again, where your attention is free from the turn, where you are sure you can do it better next time; that's the end' - Keith Code.

[iooi]

[Whosthedaddy]

No like for like policy?

Does seem strange that they'll offer the market value to be able to replace for a like for like bike but wont actually do it?

2nd offer will be in the post within 7 days.
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[lihp]

[multijoy]

[locked]

what a joke!
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on the look out for my next bike....
CBT Passed - 13/09/09 Theroy Passed - 19/12/09 Mod 1 Passed 04/05/10 Mod 2 Passed 14/05/10 - Free to ride ANYTHING!
Motorcycles are perfectly safe as long as you remember they're dangerous.

[MattEMulsion]

Well the title of your topic sums Hastings Insurance up quite well in my experience. I currently have both my car and bike insured separately via them (or through one of their namesakes) and the policies have been more trouble than they have been worth.

I haven't had to claim or anything like that, I set them both up online when they each came up for renewal (as Hastings came out with the cheapest quote each time) but the relentless paper trail that they then have you fighting your way through, demanding this demanding that and then picking fault with the details that you entered online and then trying to charge an extra premium on top of what you have already paid will drive you barmy.

I consider myself to be quite reasonable and don't hide or falsify any details when it comes to setting up insurance policies, but in fifteen years of motoring these morons at Hastings really take the biscuit. So much so that even if they are the cheapest next time around, I WILL NOT renew with them on principle alone.

My advice to anyone who reads this is to steer well clear of HASTINGS INSURANCE SERVICES, HASTINGS DIRECT, LIKEWISE INSURANCE SERVICES, RENEW INSURANCE SERVICES or any other trading names which come under the Hastings banner.

Oh and if you are unlucky enough to take a policy out with one of these companies, don't give them your real phone number or you will almost certainly be plagued with tele-marketing calls thereafter...
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Yamaha YZF-R6

[map]

You need to do a little research to come up with some facts to use in your 'negotiations'. I'd trawl through some dealer sites for like models age and condition and see what their prices actually are.

Remember any insurance company isn't out to do you any favours (despite what their adverts might imply). They are in it to make money. Paying you a little less means more profit and bonuses.

Although the insurance companies do have it as legalised mugging. You need to have insurance to be legal, therefore you're onto a loser to start with. IIRC there are only a handful of actual 'insurance' providers anyhow by the time you whittle away the brokers and associated companies. They have a nice little monopoly.
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...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger?