Help & FAQs    Search BCF    Members    Groups    Events Calendar
Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Insurance Halp

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

Commuter_Tim
World Chat Champion



Joined: 08 May 2013
Karma :
PostPosted: 19:52 - 19 Aug 2016    Post subject: Insurance Halp Reply with quote
I cancelled my first insurance policy ever due to sale of vehicle.
When I called up about a week ago they emailed me all documents and made no mention of anything else.
Yesterday I get this email from them...

Quote:
If you have already returned a declaration to us within the last 7 days, you may ignore this email.

As you opted to receive your policy documentation electronically, we will need you to reply to this email within 7 days to confirm that your policy has been cancelled from 11th August 2016.

Section 147 of the Road Traffic Act 1988 (as amended by The Motor Vehicles (Electronic Communication of Certificates of Insurance) Order 2010)

Your policy has been cancelled. It will be deleted from the Motor
Insurers' Database which is used by the police to enforce the law on insurance.
If you use your vehicle without a valid policy, you will be committing an offence.

This declaration must be submitted to the insurer or the insurer's appointed
agent within seven days of the cancellation date. Failure to comply with this
requirement is an offence under Section 147 of the Road Traffic Act 1988.


That email was also sent 10am on the last day of their "must be submitted to the insurer or the insurer's appointed
agent within seven days of the cancellation date"

Stupid question so in the Noob section, but since it's all digital I don't have to do the ridiculous and attach the PDF certificate to resend to them do I? (I know you have to return paper copies ofc)
Can I just reply with "Yes I cancelled my policy"?
The email seems rather vague about what to reply with
I'm not entirely sure what they're threatening the consequences are either tbh. Thinking


Whilst I'm at it, is it not standard practice to refund something for 3 months unused paid for insurance?
The dude on the phone just dodged my question when I queried it.


Tim
____________________
The above post is most likely nonsensical.

I ride a Bandit 600... badly.

Last edited by Commuter_Tim on 19:58 - 19 Aug 2016; edited 1 time in total
 Back to top
View user's profile Send private message You must be logged in to rate posts

Ste
Not Work Safe



Joined: 01 Sep 2002
Karma :
PostPosted: 19:56 - 19 Aug 2016    Post subject: Reply with quote
Dear insurance company,

I confirm that my policy is cancelled from 11th August 2016.

Yours faithfully,

Tim
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
Karma :
PostPosted: 19:58 - 19 Aug 2016    Post subject: Reply with quote
Ste wrote:
Dear insurance company,

I confirm that my policy is cancelled from 11th August 2016.

Yours faithfully,

Tim


You're not Tim. I'm Tim and so is my wife.
____________________
trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050
 Back to top
View user's profile Send private message You must be logged in to rate posts

Commuter_Tim
World Chat Champion



Joined: 08 May 2013
Karma :
PostPosted: 20:04 - 19 Aug 2016    Post subject: Reply with quote
Ste wrote:
Dear insurance company,

I confirm that my policy is cancelled from 11th August 2016.

Yours faithfully,

Tim


Cheers Tim

Nobby the Bastard wrote:

You're not Tim. I'm Tim and so is my wife.


I'm Papa LazaTim
https://orig02.deviantart.net/1724/f/2014/186/0/0/papa_lazarou_by_isaackdriftwood-d7pdooc.png
____________________
The above post is most likely nonsensical.

I ride a Bandit 600... badly.
 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: 20:25 - 19 Aug 2016    Post subject: Reply with quote
RTA 1988 as amended wrote:

S147 (4D) The person [to whom a certificate has been transmitted electronically by the insurer to [that] person [where the] person agreed to its electronic transmission [and] the certificate is transmitted by the insurer to an electronic address specified by the person for this purpose] must, within seven days from the taking effect of the cancellation [...] —

(a) transmit to the insurer, by means of an electronic communication to an electronic address specified by the insurer, a statement confirming that the policy to which the certificate relates has ceased to have effect

(5) A person who fails to comply with subsection [4D] above is guilty of an offence.


tl;dr version - what Ste said. However, you must send it to "an electronic address specified by the insurer".

I'd be astonished if anyone has been charged, prosecuted and convicted of this "offence", ever. If you're willing to take the real risk of actually riding a motorcycle, laughing this off shouldn't keep you awake.
____________________
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

Commuter_Tim
World Chat Champion



Joined: 08 May 2013
Karma :
PostPosted: 20:40 - 19 Aug 2016    Post subject: Reply with quote
Rogerborg wrote:
RTA 1988 as amended wrote:

S147 (4D) The person [to whom a certificate has been transmitted electronically by the insurer to [that] person [where the] person agreed to its electronic transmission [and] the certificate is transmitted by the insurer to an electronic address specified by the person for this purpose] must, within seven days from the taking effect of the cancellation [...] —

(a) transmit to the insurer, by means of an electronic communication to an electronic address specified by the insurer, a statement confirming that the policy to which the certificate relates has ceased to have effect

(5) A person who fails to comply with subsection [4D] above is guilty of an offence.


tl;dr version - what Ste said. However, you must send it to "an electronic address specified by the insurer".

I'd be astonished if anyone has been charged, prosecuted and convicted of this "offence", ever. If you're willing to take the real risk of actually riding a motorcycle, laughing this off shouldn't keep you awake.


Ahh so it's more an offense so you can't just ignore them for all time without being penalised?
Makes sense, the email was sent from the "CancellationsAdmin" address and it said "reply to this email So I guess im safe with following Stes advise (first time for everything) Shifty
____________________
The above post is most likely nonsensical.

I ride a Bandit 600... badly.
 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: 22:03 - 19 Aug 2016    Post subject: Reply with quote
It's technically a criminal offence. <bad-ass-over-here.png>

I can't think of any possible reason for your insurer to shop you for it though.
____________________
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

Commuter_Tim
World Chat Champion



Joined: 08 May 2013
Karma :
PostPosted: 00:18 - 20 Aug 2016    Post subject: Reply with quote
Rogerborg wrote:
It's technically a criminal offence. <bad-ass-over-here.png>

I can't think of any possible reason for your insurer to shop you for it though.


From what I can google it seems the punishment is at worst a fine?
If so I'm not overly concerned.

Another life lesson of the bullshit intricacies of Insurance. (It seems all the stupid identity verification over the phone didn't prove I called to cancel) Rolling Eyes
____________________
The above post is most likely nonsensical.

I ride a Bandit 600... badly.
 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: 10:46 - 20 Aug 2016    Post subject: Reply with quote
Commuter_Tim wrote:
It seems all the stupid identity verification over the phone didn't prove I called to cancel

Not to the very specific extent required by the statute.

However, it's got absolutely nothing to do with the insurer - they're not committing any offence, and have no duty to inform or remind you or to police it.

When there were only paper certificates, there was a sort of point to requiring their return. In the electronic age, with the PNC, MID, recorded calls and identity checks, it's a farcical law and should be treated with the utter contempt that it deserves.
____________________
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
Old Thread Alert!

The last post was made 9 years, 157 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 -> New Bikers All times are GMT
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: 0.07 Sec - Server Load: 0.58 - MySQL Queries: 13 - Page Size: 66.67 Kb