Insurance CANCELLED????

[JKR28]

Hi, today I recieved an email from Ensure cover (my insurer) ands they have cancelled my insurance for no reason!! The email said that I had not payed this months payment when my bank statement says otherwise.

I had to change my address on my insurance a few weeks ago but I didnt have a card on me for the £25 admin fee (the cheeky bastards!).
Is it possible for them to cancel my insurance policy on the basis that I have completely forgotten to pay the £25 admin fee? Even though I am paying over £100 a month on my insurance because I am a learner riding a bike covered in plastic????
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-Joker

[Ben90]

More likely they cancelled it on the basis that you changed your address and haven't paid. It'll be in the small print somewhere.

Also, £100 a month??
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Yamaha FZ6 S2

[Beehive Bedlam]

You didn't 'forget' you thought it would go away and this is the result.

[JKR28]

[Beehive Bedlam]

[redeem ouzzer]

Hope you don't want to insure again in the next millenia. Having insurance cancelled or refused is as desirable as drink driving to any prospective insurer.

[JKR28]

Liar.[/quote]


At least the other guy was helpful and answered my question. No need to be a prick.
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-Joker

[UrbanRacer]

[Jayy]

I was paying £100 a month up until April this year. How can you call the guy a liar for forgetting to pay a fee?

That's exactly the type of thing I would do, my memory is like a sieve, not that I don't want to/can't pay, I genuinely forget shit like this every day.

I didn't know they could cancel your insurance for not paying an admin fee, wouldn't have thought that made sense but then again, they're insurance companies and they will stiff you at any given opportunity.

What a bunch of cunts.

[wristjob]

you know youre a failure when jivebunny can take the piss out of you for being retarded.
you moved 4 times in a year?are you a gypo?
also the lasst 3 times they must have asked for the usual fee.
so this time you didnt pay and now you are uninsured.
im expecting a flounce

[arry]

[arry]

[Ben90]

The way the insurers see it is you told them you live at a different address to the one your policy states, making your policy invalid. Once you cough up the standard-practice £25 admin fee to change it, the policy is correct again and all is well.

The mistake here is that they were not paid, therefore no changes were made to the policy (but a note was left of the new address) and it remained invalid. The insurance company could not be seen to be taking money from you for a policy they knew was false and they cancelled it.

Also, £100 a month?
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Yamaha FZ6 S2

[Rogerborg]

[winz]

My girlfriend had her insurance cancelled as she was asking how much it was to include business use on her current policy, the price was about £600 more and she said she will shop around.

An hour later we got an email through saying that her policy was cancelled, I called up and asked why and how this can be resolved, they made up some bullshit excuse and said we can do it cheaper or we can remove the marker if she can prove she won't be using the car for business.

Needless to say I told them we can't do that and called up another insurance company. Told them what happened and they ended up including it in the price of a renewal which was exactly the same as what we paid for the previous policy.

Only pain was they took over half the money from the previous policy on their admin fees and the amount of time we had the policy, which was only a couple of months.

Sorry for the Tef style post. Long story short, phone them up, explain the situation, if they are being arseholes, just be honest with the next insurance company that you call up and go with them.
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

[winz]

Oh and complain about them. Insurance companies are fuckers in my opinion.

AND £100 PER MONTH?!? Crikey.
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

[trevor saxe-coburg-gotha]

[weasley]

[.Bishbash.]

[Rogerborg]

[Boxing]

£1,200 a year on a bike is absurd. That's the price of a car for the year.

[.Bishbash.]

[Wonko The Sane]

[arry]

Why is it these forums attract mystery OP's like this that never come back when they're called out to post the whole story rather than just the half story they invariably go for first?

[Rogerborg]

I think it's fairly clear that BodyGuard nailed it in the 2nd reply.
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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