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Strange insurance request?

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Martay
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Joined: 20 May 2009
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PostPosted: 00:03 - 26 May 2011    Post subject: Strange insurance request? Reply with quote

Hi,

I took insurance out on my moped about 2 weeks ago and have been having problems since. I have 2years NCB. I put this when i filled in the for online, and confirmed this when i rang them to check the quote. I paid the premium in full (£78 for the YEAR Very Happy )
I got a letter asking for proof of NCB which i gladly photocopied and posted to them.
Yesterday i recieved a really arsey letter saying
Quote:
We have confirmed your no claims discount, however the information you gave us shows you'vee owned the vehicle (L*** ***) for 6 months. However your no claims discont shows a vehicle (**58 ***) Please call us urgently.


L reg being the Honda and the '58plater being my 125 which i earned the NCB on.
I rung up to see what they're playing at, and the bloke demanded to know why i bought the bike 6months ago, but only insured it 2 weeks ago, leaving a 5month gap. I told him it was none of his business. He also wanted to know why the 125 was no longer insured and to it whereabouts. I told him this was also none of his business.
Do they have any right to know? There is nothing dodgey going on, i tinkered with the Honda and got it road worthy in the 5 month gap, and the 125 is currently on the patio in bits. What right have they to know?
Seems odd Confused
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itsdave
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Joined: 17 Jan 2011
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PostPosted: 00:36 - 26 May 2011    Post subject: Reply with quote

I do not believe they have a right to ask. And have never been asked that sort of question.

I had four bikes in my name only one insured. Never was a problem.

I believe it is your right to keep that your personal information.

However if I am mistaken then as you have said so yourself nothing dodge so no problem telling them if its a legal thing.
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potato
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Joined: 21 Feb 2007
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PostPosted: 00:43 - 26 May 2011    Post subject: Reply with quote

I don't know what to say either tbh. Confused

You earned the ncb, regardless of what bike it was on.

Have they said they are going to do anything if you don't answer these (stupid) questions?
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Teflon-Mike
tl;dr



Joined: 01 Jun 2010
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PostPosted: 01:28 - 26 May 2011    Post subject: Reply with quote

OK... see comments in other thread about Insurance being cnuts.
There are NOT human beings you are dealing with, they are accountants.
Only reason they employ the bio-organisms is because they cant get a computer to do a convincing home counties accent, and the progamming to deal with such pettiness as they are inately hard wired for would be too expensive.
Experience here, says you have to treat them like extremely small children, and apply a lot of patience and make things really simple, with clear colour coded, easy to understand diagams, preferably numbered ones, as numbers is what they understand best.
DO NOT GET ARSEY with insurance people.
They are the 'thick' kid at school that always sat in the front row, had neatly organised pencil case, and immaculate tied tie, spectacles and a cloth to polish them with.... but for all thier impression of an intelectual geek, always came out with the 'stupid' questions that proved they really didn't 'get it'.

Tell them, that the L-Plate bike has been on SORN for the last six months, and now the 125 is on SORN. You bought it because it was winter, and hence you got it at a bargain price, but you didn't want to ride it in the bad weather and get it all muck, so you saved it until the summer, and when you had to renew your insurance anyway. The 125, you have taken off the road, and put on SORN, with the intension of selling it, but as yet, you haven't found a buyer.

Keep it REALLY boring, and simple... like the kind of 'joke' accountants tell at dinner parties. Its ALL their little minds can handle, and it makes them feel SO much better....

Tell them to mind thier own effing business, WHICH you are perfectly entitled to do.... will only raise thier supressed and dormant imagination, that so under used, will conjour a major criminal conspiracy, that thier net curtain, famouse five fantasising mind will conjour into somethng THEY are morrally obliged to investigat, and expose and bring to book..... like the fact their missus thinks that Mrs Wilson accross the road is having an affair with the paperboy, so the pair of them have the entire neighbourhood watch, of which they are probably executive committe members, 'gathering evidence' to present to Mr Wilson, along with reccomedation that he talks to Dave, the solicitors clerke from number 27, about Divorse proceedings.....
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calyx
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Joined: 11 Dec 2008
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PostPosted: 12:32 - 26 May 2011    Post subject: Reply with quote

Teflon-Mike wrote:
you have to treat them like extremely small children, and apply a lot of patience and make things really simple,


^^ This solves all the problems.
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