Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Insurance Question Help

Reply to topic
Bike Chat Forums Index -> General Bike Chat
View previous topic : View next topic  
Author Message

Kal-El
Nova Slayer



Joined: 30 Apr 2014
Karma :

PostPosted: 13:24 - 23 Apr 2015    Post subject: Insurance Question Help Reply with quote

So I have an A1 license and I'm looking to get a A2 license and A2 bike (Restricted) so just doing some insurance quotes.

Would I put down I've had a full bike license since 0 months or 1 year? As it makes over a 100 pounds difference and A1 is classed as a "full" license anyways?
____________________
It says I need a signature, so yeah, here's one.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 13:57 - 23 Apr 2015    Post subject: Reply with quote

A question oft asked. Many of us have been screwed by the DVLA robbing us of 2 years of entitlement, and the cretins at the FOS ruled against this chap.

However, that was with eBike, one of the very, very few insurers who distinguish between A1, A2 and A.

Read what you're being asked very carefully. If they only distinguish between "provisional" and "full" then the most correct answer in my opinion is that you've had a "full" license since you got A1.

Read any explanatory popups. Save copies of them. You could call and ask, but you may not get the answer that you want.

You'll have to make your own decision.
____________________
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


Last edited by Rogerborg on 14:51 - 23 Apr 2015; edited 1 time in total
 Back to top
View user's profile Send private message You must be logged in to rate posts

NJD
World Chat Champion



Joined: 11 Mar 2015
Karma :

PostPosted: 14:33 - 23 Apr 2015    Post subject: Reply with quote

This topic raises a giant loop hole in the system of how insurance companies charge people more than they should and robbing them of entitlement.. in fact it hurts my head trying to think of an answer.

One side of me thinks that the date you first obtained your full license is correct and by gaining the A2 all you've done is had an extra entitlement added, they're both full motorbike licenses anyhow.

The other side of me thinks that by entering the date you obtained your A1 as opposed to your A2 is obviously incorrect, but would push your insurance up.

MCE have a chat feature on their website that allows you to talk to customer services (if you don't want to wait and waste credit on the phone) ask them the question (if you can ever get through) and see what their response is.

Do post what your told.. may come in handy for me in the future, even if you don't wish to go with MCE the chat suggestion is just an idea to gauge what insurance companies responses are.

Thumbs Up
 Back to top
View user's profile Send private message You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 14:53 - 23 Apr 2015    Post subject: Reply with quote

Laughing at the the thought that a front line insurance monkey would even understand the question, let alone give a clear, definitive answer that would be upheld later.
____________________
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
 Back to top
View user's profile Send private message You must be logged in to rate posts

Matt B
World Chat Champion



Joined: 01 May 2012
Karma :

PostPosted: 14:55 - 23 Apr 2015    Post subject: Reply with quote

Confusing and ambiguous and I'm glad I never had to bother with different categories of licence.

Blame the insurers/online comparison sites. Maybe what they should be asking is 'How long have you held a full licence for the bike you want to insure', or something along those lines.
____________________
stinkwheel: He had an animated .gif of a cat performing fellatio. It's not socially acceptable. It can have real life adverse effects on other people.
 Back to top
View user's profile Send private message You must be logged in to rate posts

NJD
World Chat Champion



Joined: 11 Mar 2015
Karma :

PostPosted: 15:05 - 23 Apr 2015    Post subject: Reply with quote

Rogerborg wrote:
Laughing at the the thought that a front line insurance monkey would even understand the question, let alone give a clear, definitive answer that would be upheld later.


Although have print screens of an answer given from a representative of the company could prove as helpful evidence is a claim was to be rejected.
 Back to top
View user's profile Send private message You must be logged in to rate posts

sabian92
World Chat Champion



Joined: 21 Oct 2012
Karma :

PostPosted: 18:30 - 23 Apr 2015    Post subject: Reply with quote

Rogerborg wrote:
Laughing at the the thought that a front line insurance monkey would even understand the question, let alone give a clear, definitive answer that would be upheld later.


I called MCE when I had my YBR to check I was insured to sit a test on it as I was 3rd party only (A1 obviously) and she said I was, the category didn't matter (?). I mentioned that you can only sit A1 tests on a YBR125 because of the power/displacement and she said:

"Oh, I don't know the difference between the licences, I just sell the policies".

Shocked WHAT THE FUCK.

I asked for her supervisor. He knew fuck all either.
 Back to top
View user's profile Send private message You must be logged in to rate posts

NJD
World Chat Champion



Joined: 11 Mar 2015
Karma :

PostPosted: 18:45 - 23 Apr 2015    Post subject: Reply with quote

sabian92 wrote:
I called MCE when I had my YBR to check I was insured to sit a test on it as I was 3rd party only (A1 obviously)


I'm confused Thinking

You insured, why would you not be covered?

sabian92 wrote:
Shocked WHAT THE FUCK.


My reaction when I phoned up to declare a modification, questions I was asked had nothing to do with zed modification, even after explaining the effect zed modification had I think > Brick Wall
 Back to top
View user's profile Send private message You must be logged in to rate posts

sabian92
World Chat Champion



Joined: 21 Oct 2012
Karma :

PostPosted: 21:14 - 23 Apr 2015    Post subject: Reply with quote

NJD wrote:
sabian92 wrote:
I called MCE when I had my YBR to check I was insured to sit a test on it as I was 3rd party only (A1 obviously)


I'm confused Thinking

You insured, why would you not be covered?

sabian92 wrote:
Shocked WHAT THE FUCK.


My reaction when I phoned up to declare a modification, questions I was asked had nothing to do with zed modification, even after explaining the effect zed modification had I think > Brick Wall


Cause I was sitting my mod 1 and didn't want to turn up only to discover DVSA Derek throwing a wobbler about my insurance so I wanted to check for definite. It wasn't in my policy documents so I wanted to make sure.
 Back to top
View user's profile Send private message You must be logged in to rate posts

NJD
World Chat Champion



Joined: 11 Mar 2015
Karma :

PostPosted: 21:31 - 23 Apr 2015    Post subject: Reply with quote

sabian92 wrote:
Cause I was sitting my mod 1 and didn't want to turn up only to discover DVSA Derek throwing a wobbler about my insurance so I wanted to check for definite. It wasn't in my policy documents so I wanted to make sure.


Just asking, confused me slightly reading it that was all.

From personal experience I'd say the examiners are simply there to either pass or fail you, attempting to ask the examiner a few questions at the end of my test told me a brick wall had more personality.
 Back to top
View user's profile Send private message You must be logged in to rate posts

sabian92
World Chat Champion



Joined: 21 Oct 2012
Karma :

PostPosted: 10:21 - 24 Apr 2015    Post subject: Reply with quote

NJD wrote:


Just asking, confused me slightly reading it that was all.

From personal experience I'd say the examiners are simply there to either pass or fail you, attempting to ask the examiner a few questions at the end of my test told me a brick wall had more personality.


Nah, it's a fair question. I was 3rd party only as well so essentially you've paid for a bit of paper that says "lol, not insured unless potatoed by another car" so I wanted to make sure.

My examiner was an ex police rider and he wouldn't shut up criticising me about little things. Considering I'd had zero lessons and was using my own bike I don't think it was warranted, especially as I passed mod 1 first time with no practice and only failed mod 2 (with the same examiner) for leaving too much room between me and the kerb at junctions.

The screaming row I got into with him half way through the test may have had something to do with that though Laughing
 Back to top
View user's profile Send private message You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 10:50 - 24 Apr 2015    Post subject: Reply with quote

sabian92 wrote:
My examiner was an ex police rider and he wouldn't shut up criticising me about little things.

Failed instructor? Laughing

sabian92 wrote:
The screaming row I got into with him half way through the test may have had something to do with that though Laughing

Ex traffic copper, just accept that he's completely right about absolutely everything, ever. Rolling Eyes
____________________
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
 Back to top
View user's profile Send private message You must be logged in to rate posts

NJD
World Chat Champion



Joined: 11 Mar 2015
Karma :

PostPosted: 13:03 - 24 Apr 2015    Post subject: Reply with quote

sabian92 wrote:
so essentially you've paid for a bit of paper that says "lol, not insured unless potatoed by another car" so I wanted to make sure.


Well.. not really, if your dead your dead what insurance level you had is the least of your worri.. (oh wait you wont have any).

You've paid for documentation that says your covered to ride on the roads and against anyone who wants to claim some of your pennies if you damage their shit.

Tests or not your insured.. although I'm sure you've gathered that by now.
 Back to top
View user's profile Send private message You must be logged in to rate posts
Old Thread Alert!

The last post was made 10 years, 345 days ago. Instead of replying here, would creating a new thread be more useful?
  Display posts from previous:   
This page may contain affiliate links, which means we may earn a small commission if a visitor clicks through and makes a purchase. By clicking on an affiliate link, you accept that third-party cookies will be set.

Post new topic   Reply to topic    Bike Chat Forums Index -> General Bike Chat All times are GMT + 1 Hour
Page 1 of 1

 
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You cannot attach files in this forum
You cannot download files in this forum

Read the Terms of Use! - Powered by phpBB © phpBB Group
 

Debug Mode: ON - Server: birks (www) - Page Generation Time: 0.14 Sec - Server Load: 2.04 - MySQL Queries: 13 - Page Size: 83.49 Kb