Stitched up by Swinton Bike Insurance

[stuartadair]

I'm seriously pissed off so I'm going to vent here

Mrs Wife's insurance on her scooter cost £56 per year. Policy runs out in August.

She's sold the bike and Swinton Bikes wanted £50 to cancel the policy so we thought bollocks to that and we'll just let it expire naturally.

The new owner has registered the bike and Swinton sent us a leter today, apparently its illegal to have 2 policies on the same bike so we've got to cancel her insurance - Cost £67 !!!

The real pisser is that I've got 2 other bikes insured with them and they dont give a shit about that - Last time I'll every use them.

Suggest anyone selling a bike watches for this insurance scam

[arry]

Hi

Whilst the cancellation fee is disproportionate to the annual premium, it's difficult to find it 'unreasonable' - especially when it would have been clearly outlined within the terms and conditions that Swinton send out as part of the documentation.

You could argue under ICOB 7 that the cancellation fee is unreasonable but I doubt you'll get very far with it.

[The Disapproving Brit]

I'd argue this. There is nothing illegal, as far as I know, about having multiple policies on a single vehicle. I'd be wanting to know the actual statute under which this is illegal. If it turns out to be merely against their conditions, and they're no longer willing to insure you, that's their business, but they don't then get to charge you for this.

I'd be half tempted to argue that somebody else taking out a policy on a vehicle I'm already insured on isn't my problem, and the companies should sort it out between themselves.
____________________
Current Bikes: 1983 Honda VF400FD / 2003 Honda VT750 Shadow
Bike Test Passed 18/03/09, Car Test Passed 14/05/13

[cb1rocket]

where in law is it illegal to have two policies on the bike?

What if my father and I have separate policies but we share the same bike? Illegal? no?

Some kind of insurance ploy to get more money out of you. I wouldn't pay it mate. They can't force you and it under unfair terms

[G]

There is nothing illegal about having two policies on the same bike to my knowledge.

Maybe ask them to give you a link to the legislation.

However, they can make a fuss over that the details for the insurance are probably no longer relevant.

[arry]

[mysterious_rider]

Err why do you have to do anything? Isnt it them that want to cancel it because its got a second policy.

I got stung from these cunts a while back. Tried to change the bike once I passed my test, they said they couldnt insure my gs500. Fucking retards, cue the expensive fee, and getting stuck with aviva.

Insurance companies are just bastards. A legal way of conning the people.

[arry]

https://www.swintonbikes.co.uk/usefulinfo/termsconditions

The cancellation fee is, unfortunately for you, clear as day within the T&C.

[cb1rocket]

[cb1rocket]

on another matter this is also wrong they can't by law under the FSA rules do this:

They have to refund you in full!

edit: appears under the FSA rules they can now do this! robbing cunts

[P.]

[cb1rocket]

[T0MMY]

I'd be very surprised if it wasn't illegal to have more than one policy on the same vehicle. If you think about it you could take out 30 separate policies on a £1000 scooter, leave it parked in a shit area then claim £30,000 for it from all the policies combined when it got nicked.

Cancellation fee is ridiculously high but if they told you about it before you signed then there's not a lot you can do really. Unless you can swap the policy to another vehicle of course but then there'll be an admin fee...
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ZX6R + CBR600RR

[stuartadair]

Thanks for the replies. Cant wait for them to phone me up about renewing the policy on my other bike.

I'll have my day yet

[Nick 50]

I agree on the opinion of they are talking bollocks!

Motor Vehicles aren't insured, Persons are! You were the one insured not the bike. Otherwise third party actions would be against a vehicle not operator at the time of incident.

I would definitely ask them to provide proof.
____________________
Current Bikes: ZX7r 97 (Black Beauty), VFR400 NC24 (The banana)
Previous Bikes: Aprilia Tuono 03 (The Beast), CBR600f (97)
First bike: A GZ125 Lemon.......

[P.]

[T0MMY]

[G]

[cb1rocket]

Surely taking out 30 polices and then claiming on all of them wouldn't work. They will just tell you to do one as you have settled that claim on just one policy. They would do checks obviously first and even if that was the case it would be classed as fraud.....

[cb1rocket]

[0ddball]

If it was illegal you could really fuck somebody over for a few quid.Find someone you dont like and take out a policy on their car/bike without their say so rendering their insurance void. By Swintons rules it would seem the new policy would cancel the existing one.
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ZXR750L

[Nick 50]

[Rogerborg]

[Nick 50]

[iooi]