Bikesure Insurance Rip Off!!

[Ammoman]

I renewed my wife bike insurance online with Bikesure, I filled out all the details and paid the £120. I sent off my wife's no claims prof and Licence. A week later I get an email saying the under writer is refusing to insure her and have revoked the policy? Apparently when filling the form out online I put August instead of September as the month she passed her test. They are only going to refund £39.. Surely this can't be right?? Genuine mistake on my part. Robbing Bastards.
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2013 ZZR1400 & Honda CG125 1986..

[Nobby the Bastard]

[Rogerborg]

First, reply to their complaints department, clearly heading it as a complaint.

You have to go through that process before taking it to the Ombudsman.
____________________
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

[arry]

Full story please - even if it's copy pasta of their letter

[Rogerborg]

<Predicts that'll be the last we hear about it>
____________________
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

[Ammoman]

This is a copy of the email. Not very customer friendly.




Customer Ref No:






Plymouth









Date: 29/08/2014





Dear Mrs Curtis



Please find enclosed the Road Traffic Act cancellation letter, issued for policy
number



The cancellation letter has been issued due to the date that you passed your
Category A driving test, being different from that which we were advised at the
inception of your policy. This has resulted in your policy being unacceptable to your
current insurer.



We are able to offer a replacement policy and have attached details of this.



Please note that if we do not hear from you in the next seven days all cover will
cease on 05/09/2014.



Your insurance policy will be cancelled in accordance with the attached
cancellation letter and there will be no cover in force after the date stated.



We trust the above is clear, however, if you do have any further queries, please do
not hesitate to contact us.



Yours sincerely





Emmalene Thompson
____________________
2013 ZZR1400 & Honda CG125 1986..

[MC]

I'd have thought they'd want to charge you an admin fee to fix the error, but to cancel the policy seems a little odd. It's not like you've massively mislead them being a month out, like if you'd failed to declare accidents or made up NCD.

Not promoting MCE in the slightest, but as they don't ask for docs this wouldn't of happened
____________________
Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[arry]

Right - so the insurer is cancelling, so short period rates do not apply. I assume this was also within the 14 day cooling off period?

What have they actually said about the cancellation - from what date was it taken out, and what date is it being cancelled from?

[Rogerborg]

It could make a whole year of difference, because as we know, having held your license for 365 days makes you much more awesome than for 364 days. At a guess, the underwriter only covers 'experienced' riders?

I dunno, I'd wait for the word from arry.
____________________
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

[arry]

[Ammoman]

Arry,

Thanks for your input, I will start off by making an official compliant to Bikesure then take it from there. Won't hold my breath thou, another David v Goliath. Cheers.
____________________
2013 ZZR1400 & Honda CG125 1986..

[JP7]

The letter says they can offer an alternative policy, how much more expensive would that be, and do all the same fees apply to change to the other policy?

The other potential issue for you in the future will be having to answer yes to the question "Have you ever had insurance cancelled or declined?" I'm unsure of the effect of this, but it might do you a favour to transfer across to the other policy if the difference isn't too outrageous? Just thinking out loud really.

I'm with Bikesure for my second year. They were annoying when I started my policy because I had to send form after form off, only to have them send me more forms that they forgot to send the first time. But aside from that I've found them ok.

[gavcarter]

Wont get you very far, but my dad once sent an awesome reply letter, to the bank IIRC that went a little something like......

Dear Mr xxxxxx

Thank you very kindly for the 3 pages of toilet paper you have sent me.
I read all the text on it, at first I thought it was a letter, but on closer inspection of the ridiculous text on the pages, I eventually drew the conclusion that the words on the page are just a load of shit!
What a clever play on metaphors! 3 pages of shit on paper!
I however regret to inform you that your toilet paper is a little harsh on my baby smooth rectum, so I enclose some of my preferred toilet paper for you put an future correspondence on.

Yours sincerely


Then stick a few sheets of bog-roll in the envelope

[iooi]

[Rogerborg]

[MC]

[mentalboy]

[hachi8]

Basically OP decided to put the month before so it brought the price down....Unfortunately it has backfired in this instance.

As someone else has said, count yourself fortunate because they could have turned a blind eye knowing they had a 'get out clause' if you have to make a claim.

Leson to learn...dont try to manipulate the truth on an insurance quote form..it may bring your quote down, but it will also cause problems later on.
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K7 GSXR 1000 - The Beast!

[weasley]

"Have you ever had insurance refused or cancelled?"

Standard (type of) question for policies these days - I can't imagine they ask it if they won't use it against you. I'd want to get this sorted pronto in a way that means "no" is a truthful answer.
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Yamaha XJ600 | Yamaha YZF600R Thundercat | KTM 990 SMT | BMW F900XR TE

[Ammoman]

Yes they also attached a new quote for £155 rather than the £120 already paid out. Wasn't going to pay them another £155 that they wanted.
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2013 ZZR1400 & Honda CG125 1986..

[hachi8]

[arry]

[JP7]

[Tristan.]

Rather than taking out the new policy could you ask them to amend the original policy to have a start date after her pass date, as presumably, as Roger says that particular underwriter only insures riders with x years experience.

If it's possible it'll save you having to tick the "insurance cancelled" box in future