Insurance - Thats not underwritten by AXA?

[Wabby]

Anybody know of any brokers that are not underwritten by AXA?

They are being a real PITA!

I restricted bike myself, and they are now asking for an FI international certificate or they are going to cancel my policy.

Pretty simples; I am cancelling my self!

Who else is out there, that isnt going to be ridiculous and demand I supply an FI international restriction certificate?

Cheers
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What restriction?

[G]

Is it in the contract, or were you warned before purchasing etc that you have to provide a certificate?

[Wabby]

Definately wasn't warned.

I was with H&R last year, underwritten by some other company, and this year H&R moved me to AXA cos they were cheaper.

Now they want the cert, or they gonna cancel my policy.

I'm gonna cancel first, but need to know where I can go that aint gonna want such rubbish!

Like I say, it is restricted, but not via an FI international kit.

Cheers
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What restriction?

[G]

I would be tempted to (hopefully some will come along here soon) get some decent legal advice and see where you stand.
If you cancel, they will try and charge a nasty fee, no doubt.

[Wabby]

[Ingah]

Two things:

1) Under either contract law or possibly something related to the sale of goods act (sorry i can't remember which, although i'm sure if you got some good professional advice they would know), they can't unfairly penalise you for cancelling your policy (at least not legally). They probably will try it on (insurers being the way they are), but if you can find the legislation i'm talking about and quote it to a supervisor/manager (don't bother with the lowly call centre monkey as they're rarely allowed to make such decisions), and complain lots, i'm pretty sure they'll forget about their ridiculous cancellation charges.

2) Carole Nash doesn't require a restriction certificate. If you find any other companies please let me know so i can update my website (which incidentally you may find an interesting read as it goes into this 33BHP restriction stuff: https://blackmotorcycle.webs.com)

The best way of finding out who requires a restriction certificate is by asking the sales bods over the phone when you get a quote (record the conversation if you're concerned that they will later deny what they said though).

You are lucky in a way, as they requested it early on (a more honest way to do things imo), as many insurance companies admitted that they only demand a restriction certificate in the event of an accident! (and i bet you can guess what may well happen if you can't produce this in the event of your claim - oh you gotta love insurance!)
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-- Ingah

[Wabby]

[serlant]

when setting up a policy with devitt, they asked me if it was restricted, i said no, they then asked if it would be restricted by the time the insurance started, i said yes and they carried on like normal, i actually ended up taking out a policy with mce over the net, who didn't even ask if it was restricted.

[CRF_Rider]

same as serlant but i took mine out with CIA and they never asked me either (it wasn't, but they presumed it was otherwise i wouldn't be trying to insure it anyhow as it would be in-valid). They even sent me a letter when my full licence came into effect saying we hope you enjoy your now full power bike, enjoy the ride and stay safe.
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Why is it everything i race, seems to be going backwards?
Current: Honda CRF 450 R Supermotard
Previous: Yam TY250 x2, Gas Gas TXT 200, Sherco 290, Suzuki TS 50,Honda CG 125, Yam SR250, Suzuki DR-Z400E, Yamaha YZF R6 112rwbhp

[ThoughtContro...]

I think possibly "restriction certificate" is standard operating procedure for H&R.

They had the lowest quote for my insurance renewal so I went with them. I emailed em a copy of licence, NCB etc and then got back a letter stating "we note you have an A2 licence, please send us a copy of the restriction certificate."

So I rang em up, "Err mate you are aware the bike is a CBR125, it says so in the proposal. It only puts out around 12bhp and it's learner legal and its fully stock. You could ride one on just a CBT, you don't need any restriction certificate."

"Oops our mistake, we'll send out your insurance cert ASAP"

I know the awesome reputation of the CBR125 Repsol superbike preceeds it, but asking for a FI cert for one is a bit much. Ph33r the CBR125R
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Prize cunt
--
"In a world of universal deceit telling the truth is a revolutionary act" - George Orwell

[dean36014]

I insured with swinton, no certificate required. As for as they were concerned the bike is insured as full power via its insurance group, your just reducing the power it gives out so no piece of paper required. Wasn't there an article in MCN about the restriction certificate and F1 international claiming you needed one.

[dodger]

H&R asked me for one last year on my Gixxer with a similar threat.

I told them to f*ck themselves [in a cleverly worded e-mail ] which basically said show me any legislation that says I need a FI certificate and that I was unwilling to pay for a dyno printout.

They got back to me saying that the e-mail was good enough for them that it was restricted [it wasn't] and they had to send me £40 refund as my factory fitted security [which I hadn't declared] got me more of a discount that the aftermarket parts I had...
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My Bikes: Piaggio NRG| Aprilia RS 125| Suzuki GSX-R 600|Yamaha Fazer Ducati 848
Europe 2008

[ms51ves3]

My TZR is insured with AXA and I was never even asked about restriction. Good thing really

[Glory Hunter]

This sounds to me like it fails the 'reasonableness' test within the meaning of the Unfair Contract Terms Act 1977 https://www.opsi.gov.uk/RevisedStatutes/Acts/ukpga/1977/cukpga_19770050_en_1#pt1-ch1-pb5-l1g11

Essentially, it is reasonable of them to ask you to prove that your bike is restricted, but it is unreasonable of them to specify the means by which you do that. For example, you could get a dyno read which proves your bike meets the requirement (and would cost significantly less than an FI certificate which has no legal basis).

I would argue that this requirement is essentially an 'onerous' term and that, had you been aware of it at the time you entered into the contract you would have declined the offer. Therefore you would respectfully ask that they rescind the contract and refund all monies paid (without any admin fees as these would also be unreasonable).

If they continue to argue, report them to the Insurance Ombudsman Service (and if you're paying by installments you could also report them to the FSA). Also, contact your bank and request that they cancel any direct debits currently set up and refuse to carry out any further instructions from the insurance company (explain that you are in dispute).

While you are resolving all this, take out an alternative policy elsewhere, my last few policies have all been underwritten by Equity Red Star and I was never asked to produce a certificate (I went through www.aquote.co.uk and www.quotea.co.uk.

Sorry if this a rambling post, but hope there's some useful information in here for you.
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2003 Suzuki VanVan - Sold
2000 Honda CB500 - written off by a spoilt brat with no manners
2005 Yamaha XT660 - I'm in lurve....

[iooi]

[MattEMulsion]

I'm not really advocating this but why don't you just download the certificate that someone 'made' on this very forum, fill your details in and send it off to them as a pukka certificate?
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Yamaha YZF-R6

[Rufus]

my insurance company asked for an FI certificate but i said i restricted myself. they were happy to receive a confirmation of restriction from a qualified mechanic. bought a pasty for a friend of mine who's a mechanic, job done. maybe you could do the same?
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CG125 > ZX6r > GSX600F > CB250n + ZX7R+ Bandit 1200

[trevoriv]

It's prob H&R not AXA that are asking for the cert. To be honest they are generally a top broker but they do like their paperwork in order.

I think I may have Shona Robertson's number somewhere so you can give her a piece of your mind.

If you want a policy not underwritten by AXA then https://www.simplyinsurance.uk.com/ have a scheme with KGM of Lloyds.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[chris-red]

Not that it matters now but would H&R/AXA not accept my Triumph restriction cert? I have the Official Triumph kit which has the Official cert signed and stamped by an Offical dealer. It's probably the closest thing to an legal cert IMO. BTW it's official .

Speak to them ask them why they are asking for an FI cert? Is it company policy to only accept restriction from one company? Tell them you have a Dyno print out (get one done) and ask if they will accept that if you get nowhere ask to talk to a manager, keep pressing the point as to weather it is a legal requirement or a company one? If they lean towards a legal let them know it isn't the law and you do not need to have a certificate at all. If it is a company policy let them know you will be informing as many bike magazines as you can that (company name) will only accept restricted bikers who have bought over priced bits of metal and paper from a dishonest company and are not following the law.

Remember keep calm and concise, ask to speak to superiors if you are getting nowhere and if you are still going nowhere tell them you will go to a biking magazine with the story, this works especially well on managers if you have there name, one thing they want less than to have somebody trash the company reputation is somebody to trash the reputation and have their name attached to it. The important thing is to stay calm and don't threaten agressively and remember the names of the people you speak to.

Good luck
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Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[pa_broon74]

Sounds to me like FI have a deal going on with AXA/H&R possibly involving kickbacks if a certificate is issued.

Other than that, I have nothing to add that hasn't already been said.


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Didn't catch anything.