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Insurance to collect a seized motorcycle

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starkey
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PostPosted: 16:47 - 02 Mar 2013    Post subject: Insurance to collect a seized motorcycle Reply with quote

Looking to see if any of you on know of any insurers who allow this? A friend of mine has stupidly ridden his bike with not insurance etc and had his bike seized by the police - and has no chance of getting it back so I thought I'd help him out (would rather not see a pretty much brand new bike get crushed).

The police require the vehicle has insurance, and the policy is declared to be picking up an impounded vehicle, even though we're collecting it in a van.

I've been in contact with a few insurers and seem to have no luck, so would be appreciated if someone could point me in the right direction.

Cheers
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suzukirider19...
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PostPosted: 17:12 - 02 Mar 2013    Post subject: Reply with quote

when i got a car seized a few year ago i couldn't afford the insurance so i wrote on a peice of paper that i sold the car to my dad signed ect ect and he just got the cheapest insurance he could and the police signed the paper work to get the car realesed. plus a £130 impound fee
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Fisty
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PostPosted: 17:12 - 02 Mar 2013    Post subject: Reply with quote

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cb1rocket
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PostPosted: 17:17 - 02 Mar 2013    Post subject: Reply with quote

then any insurance will do in anyone's name (bring them along) and stuff bike in van. ebike is the way to do it cheaply here.
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starkey
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PostPosted: 17:20 - 02 Mar 2013    Post subject: Reply with quote

cb1rocket wrote:
then any insurance will do in anyone's name (bring them along) and stuff bike in van. ebike is the way to do it cheaply here.


I've already wasted £40 with eBike, once I got to the police station with all the correct documents, the police phoned the MIB (motor insurers bureau) who check over the policy. They then null and voided the policy because we didn't state it was to collect a seized vehicle.
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MattEMulsion
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PostPosted: 18:19 - 02 Mar 2013    Post subject: Reply with quote

It would save any complications if your friend purchased the insurance in his name as presumably the bike is in his name too.
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Wonko The Sane
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PostPosted: 18:51 - 02 Mar 2013    Post subject: Reply with quote

Why was it cancelled? Had you just got a covernote on your insurance to allow you to ride his bike?

The issue is you need the bike to be insured. Buy insurance, collect bike and then, if you wish, cancel within 14 days to get money back. Obviously you can only do this if the bike is to be SORNED
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P.addy
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PostPosted: 18:56 - 02 Mar 2013    Post subject: Reply with quote

Pretty sure a vehicle policy will cover you.

It should do as the vehicle requires insurance to be collected. Insurance is insurance...

I picked up an XJ600 by insuring it on my ebike policy... so I would query the po po with that one. A policy that covers you to ride (not the 3rd party extension on your own) that bike will be the required standard.
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Rogerborg
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PostPosted: 19:56 - 02 Mar 2013    Post subject: Reply with quote

Can he afford insurance now? Especially with 6 points and a pending driving without insurance conviction which he should be declaring?

If not, then he might as well sell the bike to you or someone else, because he's not going to be riding it anyway.
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Blackwolf
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PostPosted: 20:00 - 02 Mar 2013    Post subject: Reply with quote

Just get insurance and cancel it with in the 14 day cool down period?
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starkey
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PostPosted: 20:32 - 02 Mar 2013    Post subject: Reply with quote

Rogerborg wrote:
Can he afford insurance now? Especially with 6 points and a pending driving without insurance conviction which he should be declaring?

If not, then he might as well sell the bike to you or someone else, because he's not going to be riding it anyway.


Yeah I'm now the registered owner as he'll never be able to get insured, although I'm still struggling to get insurance. Will ring a few more companies on Monday.

Blackwolf wrote:
Just get insurance and cancel it with in the 14 day cool down period?


If only it was that simple, most insurances have a clause to say you cannot collect a seized vehicle.
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Blackwolf
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PostPosted: 21:14 - 02 Mar 2013    Post subject: Reply with quote

Surly the Police only need insurance to say that you're legal to ride it on the road? I don't remember reading through my paperwork seeing that it CANT be used to get a bike out an impound?

Its usually they don't cover you with acts of terrorism and acts of God
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Rogerborg
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PostPosted: 21:27 - 02 Mar 2013    Post subject: Reply with quote

starkey wrote:
most insurances have a clause to say you cannot collect a seized vehicle.

I don't know where that's coming from.

From what I've seen, that only applies to any "other vehicles" 3rd party cover. If it applied to the insured vehicle, then you could never get it back.

Bear in mind that the chances of you getting through to a barely trained idiot on the phone are pretty high, so read the actual policy document and be prepared to call them out on their bullshit.
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P.addy
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PostPosted: 22:28 - 02 Mar 2013    Post subject: Reply with quote

A standard policy covers this.

take out policy online, get certificate and get bike.
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starkey
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PostPosted: 22:47 - 02 Mar 2013    Post subject: Reply with quote

##Paddy## wrote:
A standard policy covers this.

take out policy online, get certificate and get bike.


That's what I thought, but I was told no at the police station and they cancelled my eBike policy, it's all a major ball ache.

Pretty sure the police are just making it hard for me.
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bazza
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PostPosted: 23:40 - 02 Mar 2013    Post subject: Reply with quote

starkey wrote:
Pretty sure the police are just making it hard for me.


How times change. I used to get a clip round the ear, and sent on my way. Now they provide fluffers.
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trevor saxe-coburg-gotha
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PostPosted: 08:39 - 03 Mar 2013    Post subject: Reply with quote

Ugh - that was not very lolz worthy. Calls for deadpan faced emoticunt, says I.

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Rogerborg
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PostPosted: 11:23 - 03 Mar 2013    Post subject: Reply with quote

starkey wrote:
That's what I thought, but I was told no at the police station and they cancelled my eBike policy, it's all a major ball ache.

I still have no idea what happened there.

Are you saying that Plod and eBike believe that the policy has to explicitly cover picking up a seized vehicle?

Because I've never seen that in any policy document, ever, and I do read them.

I'm reading the eBike policy documents now (for both of their underwriters) and neither one mentions that use, either to include or (importantly) to exclude it.

There's either been a conspiracy of derpness here or you're not telling us something. Can I guess that you told eBike that you were the owner and registered keeper of the bike, when in fact you weren't?
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bazza
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PostPosted: 11:31 - 03 Mar 2013    Post subject: Reply with quote

trevor machine wrote:
Ugh - that was not very lolz worthy. Calls for deadpan faced emoticunt, says I.

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JP7
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PostPosted: 13:47 - 03 Mar 2013    Post subject: Reply with quote

As a general rule someone can't use their third party extension (driving other vehicles) cover to collect a bike, because it is usually excluded on the insurance certificate. It defeats the object of seizing the vehicle in the first place. It was seized because it had no insurance, so someone else tries to come along with the policy for their own vehicle, and recover the bike... which still has no insurance. So they don't do it.

Companies like eBike may well exclude recovering seized vehicles, because people will happily set up a policy for a day, then cancel it once they've got the bike back. Most companies will do it though.

Be a bit careful with this one. If you recover it, and give it straight back to him to use with no insurance, and you're now the registered keeper, the cops might come knocking on your door for a "permitting use with no insurance" offence, because you'll know he isn't insured.
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Rogerborg
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PostPosted: 17:02 - 03 Mar 2013    Post subject: Reply with quote

JP7 wrote:
Companies like eBike may well exclude recovering seized vehicles

Then they need to put that in the contract, because I can't see it. You will be lied to by your broker or underwriter: you need to read and understand the certificate and the contract and not let them get away with it.
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kingsknight
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PostPosted: 21:50 - 03 Mar 2013    Post subject: Reply with quote

I cannot understand whys this guys karma is so bad?
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JP7
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PostPosted: 22:34 - 03 Mar 2013    Post subject: Reply with quote

Rogerborg wrote:
JP7 wrote:
Companies like eBike may well exclude recovering seized vehicles

Then they need to put that in the contract, because I can't see it. You will be lied to by your broker or underwriter: you need to read and understand the certificate and the contract and not let them get away with it.

I've had a read of eBike's policy documents and I agree, there doesn't seem to be an exclusion listed in the policy wording for any of their policies. If it's not on the certificate either, I can't see why they refused cover.

This was on the Lloyds Market Association website relating to Driving Other Cars cover...

Quote:
Uninsured Driving: Model Wordings
LMA Members will be aware that police powers to seize (and ultimately destroy) vehicles being driven uninsured were introduced in 2006. The powers are being undermined, however, because uninsured drivers are able to arrange recovery of their seized vehicles by using a cohort to recover the vehicle using a driving other cars (DOC) facility, whereupon the vehicle is returned to the (still) uninsured driver. To address this problem the market has now developed the below voluntary model wordings that restrict such usage, preventing the collection of seized vehicles by third parties by amending the cover to specifically exclude the collection of seized vehicles.

The wordings are intended to be adaptable for use in Certificates (for example, under General Exceptions),cover notes, policy schedules and other documentation. The wordings have been approved for use by the ABI and the Police, following legal advice from CMS Cameron McKenna.

Type A Certificates (specified VRM)
‘Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration mark, which has been seized by, or on behalf of, any government or public authority’



Source: https://www.lmalloyds.com/Web/Market_Places/motor/Motor_Insurance_Database.aspx
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Walloper
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PostPosted: 10:19 - 04 Mar 2013    Post subject: Reply with quote

kingsknight wrote:
I cannot understand whys this guys karma is so bad?


Was that sarcasm?

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Skudd
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PostPosted: 11:23 - 04 Mar 2013    Post subject: Reply with quote

It sounds like the police and the insurance bod don't understand insurance wording.

If you do not own the bike and the V5 is not in your name then the clause for riding and insuring other peoples bikes while in your possesion on your insurance applies to the unable to collect a siezed vehicle.

But if you are the owner, have the V5 in your name ( or paper slip) and have insurance for the bike, then you are covered to ride it away. It would only be void if you were to try and ride another bike that was impounded.

The bike needs to be insured, not just the person riding it.
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