Insurance... though not the usual question!

[m0l0t0v]

Right, so last year I had insurance taken out with Dial Direct on the NC30.


Well I stopped riding it after it developed a few issues but I kept the insurance going as it was dirt cheap (already paid for) and would get me a another years NCB.

Anyways fast forward and I got sent a direct debit agreement to pay monthly. I go "what the fuck is this?"

And see they have renewed the insurance. Apparently it's what they do. Anyways I found out withing 1 day of it being in act or so and promptly cancelled it.

Before cancelling it I did notice that the insurance was MORE THAN DOUBLE form last year. Even though being older and 1 more years NCB on the same bike

Anyways, they're charging me 2 quid for the days it was active (2 days according to the lady I spoke on the phone with) but I'm being charged a 30 quid cancellation fee. I thought within the first 14 days they can't charge any fee? It even aid within the first 14 days they don't charge... yet they are.


And apparently I have to write to them for them to not renew and take money out of my bank! Fair enough giving a renewal quote but I got the whole thing. Direct debit agreement, certificate and other things. WTF?!

Any leg to stand on or do I have to fork out the 32 quid? (Really poor atm and don't fancy paying money to cunting insurance companies) 2 quid I can live with.
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[locked]

[Barry_M2]

Smallprint mate, smallprint!

I had this a while ago with Tesco, that unless you tell them not to renew, they will automatically renew it and carry on taking payments from you.

I just assumed that when it lapsed, it lapsed, which is what I wanted and I even took out another policy with another company, then a couple of days later the new policy from Tesco turned up!

I had to stump up something like £30 too if I remember rightly. And on checking the small print it did actually state it would carry on unless you told them. Bastar*s!
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ZXR750R (M2) - For the road.
CBR1000 RR4 - For the track.
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[m0l0t0v]

Tossers. I scanned the paper I got.

Fair enough on them renewing. I didn't' sign the direct debit and everything got cancelled in time.

The insurance company are charging me a cancelling fee though...
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[ms51ves3]

Bennetts last year tried to do an auto renewal, I phoned up, told them I didn't want it (as obviously the price had gone up), tried to get the price down and the woman said you'll never get the insurance for under £300. I got it for £230 in the end.

This year I'm with Motorcycle Direct, they don't do auto renewals, but the quote they sent me is TPO, through AXA at £260. I go for a new using their website and get quoted £180 TPFT through AXA.

Insurance is full of arse holes.

[m0l0t0v]

I know they're all assholes. I've had experience with them.


But telling me insurance companies are cunts isn't helpful when I already know they're cunts!
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[Welshd1k]

[m0l0t0v]

[pa_broon74]

I had exactly the same thing and as you'd expect, the renewal was way over the top cost wise.

I cancelled the direct debit while on the phone to them (Swinton) but they swore blind that I absolutely could not cancel and would just have to keep the policy which is utter nonsense.

I took the policy out online, even if its being renewed after a year the 7 day cooling off period counts from the day of renewal and no, they cannot charge a cancellation fee for it regardless of what their small print says.

I don't care who the company is, Swinton David lloyd Leisure or any other corporate bully. Their T&C's do not supercede contract law.

Be sure to properly cancel the direct debit (and make sure no other DD's are set up for that company) they could still take money if there are any left.


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Didn't catch anything.

[m0l0t0v]

No money has been taken. DD were cancelled. No money has left the household to this insurance company but they've got debt collectors. I'll pay the 2 quid, but not the 30 quid cancellation fee. I did it within 2 days apparently, according to the lady on the phone. And she was rude. Bitch.


Last years insurance? 160 for the year TPF&T. This year? 460 TPO?! I lol'd. But doesn't matter as not using the bike anymore.


So what can I say for them to go do one? What do I need?
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[evoboy]

I cancelled my insurance with MCE at the end of last year as i took a policy out with Falcon.

Month later i found a DD payment taken from my account, from MCE...

They were less than helpful when i was trying to cancel it, so ended up having to cancel BOTH my DD payments to MCE and Falcon...

Ended up just paying my Falcon policy outright (£430 tpft for 2 bikes, MCE wanted £450 for just one).

I hate insurance companies....
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Suzuki GT250 x7------- Fazer 600------CB250RS------Aprilia Rally 70----- Bandit 600

APT Motorcycles

[skatefreak]

So if i want to aviod this happening to me then what should i be doing as my cover dosnt end till august...
Should i jst call/write to say i do not want a renewal period?
Sounds like they really try to shaft you here
Sware i thought it was supposed to get cheaper as your NCB went up....

-Jvr

[pa_broon74]

With Swinton.

Because I was continuing the insurance (with another cheaper company) they said to fax a photocopy of the new policy to them which I did. I haven't heard anything back, yours is a bit different in that you weren't reinsuring the bike.

What they tried to say to me was since I was paying monthly they already arranged the credit and informed the coverers (R& SA) Swinton were trying to pass the buck essentially.

The bottom line in, under the distance selling rules even with insurance renewals, you have that statutory cooling off period; I checked. A company cannot charge a customer for exercising their statutory right to cancel reggardless of company small print.

I suspect it's common practise for insurers to bump up renewal costs on the off-chance that people forget, they then peddle out the arguments about not being able to cancel and/or cancellation charges. For them its a win/win situation. Unless you know your rights and stick to your guns about it.

As I understand it, the insurance company has to send out copies of the new quote and the schedule well in advance of renewal, but you know how these things go, you put it to one side saying to yourself I'll dela with it later...


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Didn't catch anything.

[Jayy]

I've had the same problem, took out insurnace on that KTM Friday, paid a £100 deposit then cancelled it on Monday. They're trying to say they can keep the deposit. Like fuck.

I had to email them proof from the delivery that I had the bike less than 24hrs and it's bullshit.

What happens if they still come back and say you have to pay? What happens if you tell them to eat shit?

[pa_broon74]

Distance selling rules apply to any transaction between a private person and a commercial entity carried out over the internet, phone or any other method other face to face.

Under the rules all money should be returned, including any deposits paid.

What really annoys me is when companies insist their internal T&C's supercede UK contract law, as if the distance selling rules are a guideline.

Suffice to say, they aren't. If the insurance company insists on keeping your deposit, you should report them to the insurance ombudsman and Trading Standards as they are infringing your statutory rights.


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Didn't catch anything.

[multijoy]

Or, indeed, the police.

If its not 'obtaining money by deception', I don't know what is.
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[m0l0t0v]

[dextersaurus]

I was with Devitt, who just sent me out a letter with my renewal quote of £171... £50 more than last year....

I just ignored it and got another letter saying all the pish about 'riding without insurance is illegal... if you've already taken out insurance disregard this letter'.

Best company i've been with, never had a problem :mrgeen:

The way some companies get money out of you is rediculous....

Dunc

[ssruk]

mce are just crafty i had them on 125 hyosung crusie i was full comp i had a for a month then it got pushed over and had some damege so rang them they what the bike was not enuff to claim so i said ok then the guy on phone said go and pust it over harder so there is more damege to it so i sold the bike and canciled dd told them i dint want it any more they tryed to charge me 200 quid to cancel but the hoile years quote was 202 so that means they they for me to leave them id need to pay more then to have the hole years so iv just left them to it got my gs 500 under bennets for 90 a year hmm 125 cost more than a 500 wtf but now they just ring 5 times a day every day
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(02)hyosung crusie 2(sold) (89)cbr 600f (91) gs500ex

[dextersaurus]

[pa_broon74]

[m0l0t0v]

I cancelled within 2 days of the insurance being up. But it's been over a month since everything happened... Still good?
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[ms51ves3]

I had fun with Motorcycle Direct this morning on the phone. Paid £230 last year, new quote of £268 came through the door, phoned up and it went up (yes, up) to over £300, then the woman went away and knocked £100 off it just like that.

Knobs.

Went with Hastings in the end at £170. I feel conned I've heard they have auto renewal so I will be sure to ring them up next year to tell them where to shove their inflated quote.

[SamJL]

[Hetzer]

It's criminal fraud. Make a formal complaint to the police (fraud office). When they refuse to take your complaint and say it's a civil matter make a formal complaint to the IPCC. Then CC both complaints to your MP.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"