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Insurance. Bennetts

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ScaredyCat
World Chat Champion



Joined: 19 May 2012
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PostPosted: 15:22 - 27 Dec 2013    Post subject: Insurance. Bennetts Reply with quote
Ok, So here's the situation.

I've been with Bennetts since I got my first bike, CBF125 the renewal is in July. I renewed then for my CBF and then in August got myself the NC700. I phoned Bennetts and got a quote - I did record the call but for some reason when I play back the recording I only get my side of the conversation. I'm pretty sure that they said it would cost me around 13 quid a month - they claim is was 30.

My view seems to be borne out in the documents they've sent me and creating a quote on the Bennetts site gives me a price £132.17 / year.

My policy documents tell me that I should be paying 13.36 for 12 months on my new bike.

Quote:

You will have to pay the following:
£13.36 for 12 months. Interest and/or charges will be payable in the following manner: A credit charge £42.79


They have been taking £30 from my account since August. So instead of paying £67ish I'e paid £152ish

I've phoned them up and they say they've listened to the recordings and the amount was £30 (27.somehting plus about 3 quid for accident legal cover). The have offered me the chance to cancel the existing policy with no cancellation fee and I could start a new one at the price I got with the quote I did today.

I have a number of concerns.

1) Since I originally paid the insurance for my CBF via instalments I would assume that the finance on that would still be outstanding.

I suspect that they're offering to cancel the old policy, I would have to pay off the outstanding amount and then they could start a new policy for me at the new quote price - essentially meaning the loss of a years NCB plus a shitload of more money.


Where do I stand, can I get a copy of the recordings? What to do?
____________________
Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple
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Walloper
Super Spammer



Joined: 24 Feb 2005
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PostPosted: 15:43 - 27 Dec 2013    Post subject: Reply with quote
Do you have the history from any web-quotes? You have searched before you paid up didn't you.... Crying or Very sad Embarassed

I had a bit od hassle with Hastings this year for two old bikes.
But after a bit of running around (on the phone) it was sorted out.

When dealing with these cnuts it is VITAL that you have evidence to back up wot was wot.

Your insurance can't have increased sooo much that your payments have doubled unless you have lost all your NCD or you have moved house to Scrotesville, or have serious points Drunk driving or Careless etc.

You can appeal I have found Bennetts very easy to deal with and have been with them for years.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 15:44 - 27 Dec 2013    Post subject: Reply with quote
Subject Access Request, might cost you £10. If they're particularly devious, they could provide only your side of the conversation.

I'm surprised that there's nothing in writing or by email. This is exactly why I avoid telephones for any commercial purpose whenever possible. Sad
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike
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Seigi
Nova Slayer



Joined: 02 Oct 2012
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PostPosted: 17:08 - 27 Dec 2013    Post subject: Reply with quote
If your policy says you should be paying £13.36 then there should be no quibbles. Forward/record post your policy documents to them as evidence.
____________________
2008 Honda CBR125 (sold) / Suzuki DL 650 V Strom (Current bike)
Mod 2 Passed: 03/09/2013
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iooi
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Joined: 14 Jan 2007
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PostPosted: 19:30 - 27 Dec 2013    Post subject: Reply with quote
Rogerborg wrote:
Subject Access Request, might cost you £10. If they're particularly devious, they could provide only your side of the conversation.


Just be aware that often when you now call companies it says calls "may be recorded for training purposes".
This means they may/do not keep copies. Only system notes.

But Op should have something in writing as this is a credit agreement.
CCA75 could be his friend here as there has to be written proof of this agreement including the payment schedule.

If bennetts will not play ball on refunding. Then follow the complaint procedure.
Quote:

5.Are You Happy With Our Service?

We aim to provide a high level of service to all our customers. If you are dissatisfied with the service you have received please speak to one of our agents on 0844 412 2171 in the first instance. We will do everything we can to put things right. Please have your policy details to hand when you call.

Christmas Opening Times – Please note, we will be open 9.00-17.00 on Christmas Eve and New Year’s Eve and closed on Christmas Day, Boxing Day and New Year’s day.

Alternatively, you can make a complaint in writing. Please email helpme@bennetts.co.uk or send via post to:
Bennetts Customer Relations Manager
Unit 25
Tresham Road
Orton Southgate
Peterborough
PE2 6BU

Please include your telephone number and policy details.


OP. DO NOT CANCEL the policy or stop payments. Let it run on.
If Bennetts are unable to resolve in 8 weeks you can go to the FCA. This will cost them £750 no matter what.

OP. Did you take out breakdown cover or any other extras?
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Just because my bike was A DIVVY, does not mean i am......
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ScaredyCat
World Chat Champion



Joined: 19 May 2012
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PostPosted: 09:03 - 28 Dec 2013    Post subject: Reply with quote
Walloper wrote:

Your insurance can't have increased sooo much that your payments have doubled unless you have lost all your NCD or you have moved house to Scrotesville, or have serious points Drunk driving or Careless etc.


In reality it should have come down. I've been quoted £132.17 for fully comp on this bike - from Bennetts.
____________________
Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple
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ScaredyCat
World Chat Champion



Joined: 19 May 2012
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PostPosted: 09:06 - 28 Dec 2013    Post subject: Reply with quote
Rogerborg wrote:
Subject Access Request, might cost you £10. If they're particularly devious, they could provide only your side of the conversation.

I'm surprised that there's nothing in writing or by email. This is exactly why I avoid telephones for any commercial purpose whenever possible. Sad


I used a call recording app on my phone which has always worked before. It seems they updated it and it broke it and now I only get my side of the conversation. A bit annoying really since I deliberately called Bennetts using it because, well, insurance companies..
____________________
Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple
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ScaredyCat
World Chat Champion



Joined: 19 May 2012
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PostPosted: 09:24 - 28 Dec 2013    Post subject: Reply with quote
iooi wrote:

But Op should have something in writing as this is a credit agreement.
CCA75 could be his friend here as there has to be written proof of this agreement including the payment schedule.


I have the pre-contract credit information - this tells me that it's 12 months at £13.36 with the credit charge.

iooi wrote:

If bennetts will not play ball on refunding. Then follow the complaint procedure.


Will have a go at this - see where it gets me...

iooi wrote:

OP. DO NOT CANCEL the policy or stop payments. Let it run on.
If Bennetts are unable to resolve in 8 weeks you can go to the FCA. This will cost them £750 no matter what.


:O did not know this. Perhaps it's enough to tempt them to behave?

iooi wrote:

OP. Did you take out breakdown cover or any other extras?


I took out personal accident cover too...
____________________
Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple
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wots
World Chat Champion



Joined: 30 Aug 2012
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PostPosted: 10:32 - 28 Dec 2013    Post subject: Reply with quote
Consider, they are brokers, the policy you had and have now transferred onto would not have been appropriate for the bike you have now, it was only appropriate for the bike you had then. It will always be more expensive to change your current policy (not even considering any admin fees), than re-quoting for a new one on the spot, specifically as you've come from a 125. 125 policies are particularly bad, an underwriter I had, wouldn't insure me moving from a 125 to a larger bike. Full re-quote with same broker and I had a policy not much more than the 125.

However, if they've advised you a price, they can't then change it suit them.
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Currently: Yamaha DT 125 LC2,Repsol Fireblade, and Bumblebee MSX 125
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J biker
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Joined: 31 Oct 2013
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PostPosted: 11:02 - 28 Dec 2013    Post subject: Reply with quote
No doubt people have had better experience with Bennetts than me, but I would never touch them with a bargepole...
Biggest insurer in the UK(?) for motorcycles. Me with license for over 10 years. 2003 R6 insured with them and several years NCD. Sell R6, buy 2006 R1....''sorry, we cant insure you'' wtf!! No points, convictions, good postcode etc. Cost a fortune to cancel mid term policy and change insurer. That was five years ago. Will never use them again!
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Walloper
Super Spammer



Joined: 24 Feb 2005
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PostPosted: 12:45 - 28 Dec 2013    Post subject: Reply with quote
J biker wrote:
No doubt people have had better experience with Bennetts than me, but I would never touch them with a bargepole...
Biggest insurer in the UK(?) for motorcycles. Me with license for over 10 years. 2003 R6 insured with them and several years NCD. Sell R6, buy 2006 R1....''sorry, we cant insure you'' wtf!! No points, convictions, good postcode etc. Cost a fortune to cancel mid term policy and change insurer. That was five years ago. Will never use them again!


If you smell of wee (or of Ste's mum) then why would they want to touch you either? Rolling Eyes

Very Happy
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iooi
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Joined: 14 Jan 2007
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PostPosted: 11:52 - 29 Dec 2013    Post subject: Reply with quote
J biker wrote:

Biggest insurer in the UK(?) for motorcycles.


Bennetts are not a Insurance company...... They are a broker. A major difference.

If non of the underwriters they use are prepared to insure you on a bike what are they supposed to do?
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Walloper
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Joined: 24 Feb 2005
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PostPosted: 12:14 - 29 Dec 2013    Post subject: Reply with quote
iooi wrote:
J biker wrote:

Biggest insurer in the UK(?) for motorcycles.


Bennetts are not a Insurance company...... They are a broker. A major difference.

If non of the underwriters they use are prepared to insure you on a bike what are they supposed to do?


Put their corporate knee on an Insurer's chest and tickle them till they DO provide cover. Rolling Eyes

Simples.
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