Insurance disputing licence

[tris123]

Hi everyone. First little point I had my motorbike stolen on tuesday night it was a red 05 suzuki sv650s, so if anyone in the Hull area or surrounding hears anything can they please pm me thanks.

Now to the main point. With the bike stolen I am looking to claim on my insurance I have TPFT so shouldn't be a problem. I spoke to insurance and they asked me to email driving licence through so I did. The next thing I know they have text me saying the details don't match so it has to be passed to the underwriters.

I rung the company and found out the issue is I put on my insurance held licence since 14/09/07 when on my card it say 14/09/09. I explained this is because of the 2 year restriction ( I did the A2 licence) and on my paper counterpart I emailed to them it says previous entitlement A2 14/09/07.

They now say they will have to look into this and will get back to me has anyone had this problem before? In my mind a pink licence means its full whether I have a restriction or not I could still buy and ride a fireblade just at different speeds.

[Wafer_Thin_Ham]

Because the A entitlement is technically speaking different from the A2 (restricted) entitlement. Just checked my licence and it's the same. i.e. my full entitlement says it started two years after my actual pass date.

I wouldn't worry about it. Wait and see if you hear anything back. If they try and weasle out of it you'll need to pass them on to the DVLA is expect to clear it up.

Provided you can prove your initial pass date of your A2 entitlement I can't see it being a problem. The initial pass date should be on your paper counterpart under entitlement history.
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[pits]

But in theory it shouldn't matter as you weren't riding the bike at the time, it was parked up, I fail to see why they could pull something like this up as a get out clause, you weren't riding so your licence shouldn't matter, it was parked up, I think.

[tris123]

[Charlie]

I've done the same as you, i.e. put down I've had my license 2 years longer than the card says. And just claimed through H&R insurance and they didn't say anything... Although I sent a copy of my licence when I insured the bike.

Should be alright
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[kawakid]

Do recent licenses show the A2 entitlement.

Had my license 7 years now and was restricted for the first 2.

All my license shows is some code such as <=25KW.

I never sent my license back as I contacted the DVLA and they said no you don't need to.

Will just wait another 3 years and see what happens.

Only issue I can think is if I was overseas, but I doubt I will ever do that.
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[yambabe]

[ms51ves3]

I'd just scan in a copy of my pass certificate and email that to them.

[tris123]

now im MAD!!!!!!!!!!

my insurance rung me today about the dispute saying i Haven't had the licence for 4 years. directed them to the right hand side of the counterpart which stated A2 14/09/07 (previous entitlement). She then said she didnt understand the bike licences very much (why was she dealing with my claim?) and would speak with her manager. She came back 10 minutes later saying she would have to check the DVLA website?????????? regarding this (I started to think maybe they weren't as competent as I had first hoped).

She rung me back 2 hours later (long time to check a website) and said Markerstudy the underwriters are still going by the date on my card and not the counterpart licence. Therefore, I would need to pay £37 including admin fees. I advised her I wasn't paying that and the reasons why (during the 2 hours I checked markerstudy's booklet and there is no mention of a restricted licence being counted differently from DAS). She then went and spoke to her manager and said she could waive the admin fee so it would be £24. I asked if I could speak to Markerstudy as she was only relaying the message and she said no (however she later said Markerstudy would contact me in regards to the claim)

After much dispute and another check of the policy booklet I agreed to pay it since they wouldn't process my claim without it and I want another motorbike. I think my best course of action is to write to Markerstudy to get the money back and threaten the FSA as they never informed me of the requirement and I sent a copy of my driving licence to them when I took out the policy in September and they never queried it.

Does anyone have any advice on this?

[Wafer_Thin_Ham]

You won't get that money back now they've got it. Should have continued to refuse to pay and speak with a manager rather than a telephone monkey.
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[stinkwheel]

I would write them a letter stating something like the following:

When you took out that policy, they asked a question which forms part of the key facts of the policy. That question was "How long have you held a full UK driving licence?".

A2 entitlement is a full UK driving licence. It is not a provisional entitlement.

As such you answered the question correctly as it was posed.

State that in your oppinion they have no basis in fact to dispute this and have levvied a charge unfairly.

Request a refund.

Give them a timeframe (7 days seems reasonable) to deal with this matter to your satisfaction, after which time, you will be referring the matter to the financial ombudsman.
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[deleted111]

Going off on a slight tangent, I live in Ulceby not far from the Humber and my old man works in Hull. We'll keep our eyes peeled incase anything 'spish pops up, mate.

[drzsta]

[h00dwink]

i have wondered this and have made sure to keep my pass certificate from whenever it was just in case.
could you not put it to them that in that case- someone who passed their test 1 1/2 years ago riding on a restricted license is riding on a provisional by their logic?
or say you passed restricted test and had a bigger bike awaiting you (like i did) insured it on day of passing (like i did) 2 years later upon renewal do you now say you've only just passed your test again?

maybe that makes some sense to you too. i appreciate the problem, insurance companies are shite.
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[Paulington]

Well you've at least learnt your lesson now. Some of the dealers and insurance companies etc do not see the A2 Licence as a full licence so it's always best to just ask over the phone.

However, insurance is just a law unto itself and they know full well they can do whatever the heck they like and get away with it, for example, a section of Markerstudy's payout exclusion list:

Loss of or damage to your vehicle if the vehicle is unoccupied and the ignition key is in or on your vehicle.
Loss of use of your vehicle.
Loss of value of your vehicle following repair.
Mechanical, electrical and electronic fault, breakdown, malfunction, failure or breakage or claims arising from incorrectly re-fuelling your motorcycle.
The unauthorised taking away of your vehicle by a family member.
Loss of or damage to your motorcycle if any manufacturer fitted security device is not operational and used when you are not using your motorcycle.

They also do not cover the damage to your motorcycle if someone else (other than you) is riding it through ride other bikes.

See, as far as I'm concerned, if your car is nicked by anyone under ANY circumstances, they should pay out as that is the service you have paid them for, but unfortunately we don't live in a particularly fair world! .

It's akin to paying someone to paint your living room and having them walk into the room with a massive contract stating they do not have to work/paint if certain conditions aren't met and such, it's ridiculous.
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[Wafer_Thin_Ham]

[iooi]

[stinkwheel]