Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Take Care When Getting Close To Renewal! (Bikesure)

Reply to topic
Bike Chat Forums Index -> General Bike Chat Goto page 1, 2, 3, 4  Next
View previous topic : View next topic  
Author Message

HD
World Chat Champion



Joined: 16 Dec 2009
Karma :

PostPosted: 22:22 - 14 Dec 2011    Post subject: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

Hey guys,

Just thought I would give you a warning to prevent hassle. I checked my emails yesterday and it said that, as agreed, the payment was to be taken from my account to renew my policy. They said they had sent an earlier email warning/phonecall and said that the funds were not in the account so I am now uninsured.

However, I recieved no email or phonecall to state this so if I had been paid or had the money in my account, I would now be quite a bit of money down!

I had a phone call from them today asking me about it and forgot to phone back but will tomorrow.

But yeah, just a warning that as you get closer to renewal, make sure they aren't going to withdraw it automatically as they will probably charge admin fees to cancel it too!
____________________
Rusty '02 Vito Camper + CBR600F3
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Kebabmonster
Two Stroke Sniffer



Joined: 30 Jun 2010
Karma :

PostPosted: 22:53 - 14 Dec 2011    Post subject: Reply with quote

Aviva do this with house insurance too. You have to phone them and tell them if you're moving on.

Andy
 Back to top
View user's profile Send private message You must be logged in to rate posts

neatbik
World Chat Champion



Joined: 27 Jun 2007
Karma :

PostPosted: 22:54 - 14 Dec 2011    Post subject: Reply with quote

I've had this happen lately to with both car and bike policies, and quite a few friends too.

They tried telling me that there would be a cancellation fee too - I told them to give my money back (all of it) or else legal action would be taken.

They are sly fuckers, why the hell should they expect you to to get in touch with them to say you arent renewing your policy? And then they have the cheek to try to charge a cancellation fee!

OP, make sure you dont end up with your bank charging a fee because sufficient funds werent available - they are robbing fuckers aswell...
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

D O G
World Chat Champion



Joined: 18 Dec 2006
Karma :

PostPosted: 23:20 - 14 Dec 2011    Post subject: Reply with quote

I despise this tactic. They dress it up as helping to prevent you being caught unisured, but it is just a huge fucking scam.

The most annoying part is that for a lot of places, you cannot elect to turn this 'service' off at inception, you just have to remember it.
 Back to top
View user's profile Send private message You must be logged in to rate posts

paulcdb
Scooby Slapper



Joined: 29 Jul 2003
Karma :

PostPosted: 02:53 - 15 Dec 2011    Post subject: Reply with quote

D O G wrote:
They dress it up as helping to prevent you being caught unisured, but it is just a huge fucking scam.


As well as jacking up the renewal price which for some strange reason is usually double the same quote you get off the same company's website with the same details.

Just legalised theft! The money must go to buy an extremely comfy bed to help the sods sleep at night!
____________________
Excersise is rubbish!
If your healthy you don't need it... if your sick you shouldn't do it.
 Back to top
View user's profile Send private message You must be logged in to rate posts
Rebel This post is not being displayed because the poster is banned. Unhide this post / all posts.

c-m
World Chat Champion



Joined: 12 May 2006
Karma :

PostPosted: 08:27 - 15 Dec 2011    Post subject: Reply with quote

Bennets sent me my renewal letter a few days ago.

It was 4 pages long, and didn't even mention not accepting the renewal. There was just a tiny extract about calling them to cancel.

Additionally they said that they used details I had previously entered in their system. If that's the case, how is it the renewal had a £250 voluntary excess in addition to £500 excess? My original policy had no voluntary excess.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Bikesure
Two Stroke Sniffer



Joined: 24 Nov 2011
Karma :

PostPosted: 09:05 - 15 Dec 2011    Post subject: Re: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

HD wrote:
Hey guys,

Just thought I would give you a warning to prevent hassle. I checked my emails yesterday and it said that, as agreed, the payment was to be taken from my account to renew my policy. They said they had sent an earlier email warning/phonecall and said that the funds were not in the account so I am now uninsured.

However, I recieved no email or phonecall to state this so if I had been paid or had the money in my account, I would now be quite a bit of money down!

I had a phone call from them today asking me about it and forgot to phone back but will tomorrow.

But yeah, just a warning that as you get closer to renewal, make sure they aren't going to withdraw it automatically as they will probably charge admin fees to cancel it too!


The automatic renewal procedure is advised in our Terms of Business, which are provided at the inception of the policy and as a result approximately 1 year prior to the first renewal. The customer can opt-out of this at any time by making us aware that they do not require the renewal to be automatically renewed.

A payment is not taken unannounced. The renewal invitation that is issued in advance of the renewal date will confirm that, unless we receive alternative advices, the cover will be automatically renewed to ensure continuous cover. The renewal is then processed a couple of days prior to the renewal date.

If we do not receive alternative advices and renew the cover in accordance with the renewal invitation but the customer has arranged cover elsewhere with effect from the renewal date, the renewal is cancelled and a full refund is issued.

Bikesure
 Back to top
View user's profile Send private message You must be logged in to rate posts

c-m
World Chat Champion



Joined: 12 May 2006
Karma :

PostPosted: 09:09 - 15 Dec 2011    Post subject: Re: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

Bikesure wrote:


The automatic renewal procedure is advised in our Terms of Business, which are provided at the inception of the policy and as a result approximately 1 year prior to the first renewal. The customer can opt-out of this at any time by making us aware that they do not require the renewal to be automatically renewed.

A payment is not taken unannounced. The renewal invitation that is issued in advance of the renewal date will confirm that, unless we receive alternative advices, the cover will be automatically renewed to ensure continuous cover. The renewal is then processed a couple of days prior to the renewal date.

If we do not receive alternative advices and renew the cover in accordance with the renewal invitation but the customer has arranged cover elsewhere with effect from the renewal date, the renewal is cancelled and a full refund is issued.

Bikesure


Yes, but why don't you offer the user an option to opt-out of the automatic renewal at the time of initial inception? That would be the most logical thing to do.

I'm sure it won't be long until the law forces insurances companies to have a check box allowing users to opt-out of auto renewal.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Bikesure
Two Stroke Sniffer



Joined: 24 Nov 2011
Karma :

PostPosted: 09:10 - 15 Dec 2011    Post subject: Reply with quote

beatnck2 wrote:
I've had this happen lately to with both car and bike policies, and quite a few friends too.

They tried telling me that there would be a cancellation fee too - I told them to give my money back (all of it) or else legal action would be taken.

They are sly fuckers, why the hell should they expect you to to get in touch with them to say you arent renewing your policy? And then they have the cheek to try to charge a cancellation fee!

OP, make sure you dont end up with your bank charging a fee because sufficient funds werent available - they are robbing fuckers aswell...


Presumable you were advised that there was a charge because you had not arranged alternative cover from the renewal date. If that is the case, the insurance company (not the broker) would have been responsible for indemnifying any applicable claim from the renewal date to the date that you confirmed cover was not required or had arranged an alternative policy. If the insurance company were in a position to have to indemnify a claim, there is likely to be a charge.

Bikesure
 Back to top
View user's profile Send private message You must be logged in to rate posts

Bikesure
Two Stroke Sniffer



Joined: 24 Nov 2011
Karma :

PostPosted: 09:15 - 15 Dec 2011    Post subject: Reply with quote

paulcdb wrote:
D O G wrote:
They dress it up as helping to prevent you being caught unisured, but it is just a huge fucking scam.


As well as jacking up the renewal price which for some strange reason is usually double the same quote you get off the same company's website with the same details.

Just legalised theft! The money must go to buy an extremely comfy bed to help the sods sleep at night!


Insurance premiums are set by the insurance company, who are covering the risk. By “jacking up” I presume you mean the premium increasing. This has happened across the motor insurance industry over the last few years in view of the ever increasing claim costs. Brokers can only offer the policies and premiums made available to them by the insurance companies.

I can only speak for Bikesure, but if you provide exactly the same information for a new quotation you will receive the same premium as your renewal. The same products are available to our new and existing customers.

Bikesure
 Back to top
View user's profile Send private message You must be logged in to rate posts

c-m
World Chat Champion



Joined: 12 May 2006
Karma :

PostPosted: 09:19 - 15 Dec 2011    Post subject: Reply with quote

Bikesure wrote:


Insurance premiums are set by the insurance company, who are covering the risk. By “jacking up” I presume you mean the premium increasing. This has happened across the motor insurance industry over the last few years in view of the ever increasing claim costs. Brokers can only offer the policies and premiums made available to them by the insurance companies.

I can only speak for Bikesure, but if you provide exactly the same information for a new quotation you will receive the same premium as your renewal. The same products are available to our new and existing customers.

Bikesure


Don't worry the OFT will be looking into these guys along with all the other insurance companies and getting them to justify the price increases over the past few years. Some companies have come out and quite clearly stated that, they put up their prices just because their competitors have done.

https://www.moneysavingexpert.com/news/insurance/2011/12/oft-launches-car-insurance-study-amid-price-hikes
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Bikesure
Two Stroke Sniffer



Joined: 24 Nov 2011
Karma :

PostPosted: 09:23 - 15 Dec 2011    Post subject: Reply with quote

Rebel wrote:
Bikesure have gone on my blacklist and won't be seeing a penny out of me again. Just had a Bikesure policy (which was renewed without permission) cancelled with no refund because while I was on holiday they wrote demanding proof of my no claims bonus and details of an accident I mentioned. Copy of licence etc. Gave me one week to respond. They messed me about last year so much I ended up changing the policy completely (they are just a broker it seems and add a hefty fee for the service.)
Aviva can f.o.a.d. as well, they tried to automatically renew but I went to Swinton and got the same cover for almost 50% less.


I expect that your renewal invitation advised that the cover would be automatically renewed. Did you receive this letter?

I can understand if the policy was cancelled if you failed to provide the policy requirements, but we generally allow more time that a week to provide the information, unless the insurance company have insisted otherwise. The actual cancellation letter will state 7 days, but there is usually at least one letter issued prior to that so more time is allowed. Feel free to PM me some details if you would like the matter investigating.

If the overall cost of the cover is at least as much as the payments that you have made, there will be no refund. Alternatively there will be no cancellation refund if the insurance policy does not allow one. We can only process the refunds issued by the insurance company.

Bikesure
 Back to top
View user's profile Send private message You must be logged in to rate posts

Wafer_Thin_Ham
Super Spammer



Joined: 18 Nov 2005
Karma :

PostPosted: 09:41 - 15 Dec 2011    Post subject: Reply with quote

Bikesure wrote:

Insurance premiums are set by the insurance company, who are covering the risk. By “jacking up” I presume you mean the premium increasing. This has happened across the motor insurance industry over the last few years in view of the ever increasing claim costs. Brokers can only offer the policies and premiums made available to them by the insurance companies.

I can only speak for Bikesure, but if you provide exactly the same information for a new quotation you will receive the same premium as your renewal. The same products are available to our new and existing customers.

Bikesure


Firstly I think it's rather brave of you to come here, especially given the reception insurance companies usually receive. Are you in Bikesure's PR department?

Also on the quotations thing every insurer I've used has generated a different premium to their renewal when I've put it back through price comparison websites.
____________________
My Flickr
 Back to top
View user's profile Send private message You must be logged in to rate posts

D O G
World Chat Champion



Joined: 18 Dec 2006
Karma :

PostPosted: 10:00 - 15 Dec 2011    Post subject: Re: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

c-m wrote:
Yes, but why don't you offer the user an option to opt-out of the automatic renewal at the time of initial inception? That would be the most logical thing to do.

I'm sure it won't be long until the law forces insurances companies to have a check box allowing users to opt-out of auto renewal.


BIKESURE - you have not answered the above.

The only appropriate answers are either:

1. We do, there is a checkbox for it online.
2. We don't, because we are sly mofos.
 Back to top
View user's profile Send private message You must be logged in to rate posts

daemonoid
World Chat Champion



Joined: 27 Jun 2008
Karma :

PostPosted: 10:12 - 15 Dec 2011    Post subject: Reply with quote

Bikesure wrote:
Insurance premiums are set by the insurance company, who are covering the risk. By “jacking up” I presume you mean the premium increasing. This has happened across the motor insurance industry over the last few years in view of the ever increasing claim costs. Brokers can only offer the policies and premiums made available to them by the insurance companies.

I can only speak for Bikesure, but if you provide exactly the same information for a new quotation you will receive the same premium as your renewal. The same products are available to our new and existing customers.

Bikesure


I can't complain directly about bikesure as I get my bike insurance through a broker. However I can tell you this is not the case with car insurance... I use the same details in confused every year (and I mean exactly the same details as confused saves them for me) and end up with a cheaper quote even from my existing company. I've even been advised by a retentions representative that I do a new quote as there's new company discounts.

My advice to everyone is do a comparison each year and swap companies if necessary. At the very least ring up after you get a renewals letter and say it's too expensive, what can you do to better it...

Also, there's a 14 day cooling off period on nearly all financial products in the UK, you don't have to pay cancellation charges although you may have to pay services provided so if you cancel after 7 days they can charge 1/52 of the price of the insurance - https://whatconsumer.co.uk/cooling-off-and-cancellations/
____________________
current: ducati monster 750
past: hyosung gt250r, bajaj pulsar 180, hyosung gt 125 comet
@thomasgarrard | www.straitjkt.com | www.racingseven.com
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

c-m
World Chat Champion



Joined: 12 May 2006
Karma :

PostPosted: 10:34 - 15 Dec 2011    Post subject: Re: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

D O G wrote:


BIKESURE - you have not answered the above.

The only appropriate answers are either:

1. We do, there is a checkbox for it online.
2. We don't, because we are sly mofos.



Having this checkbox at the time of purchase would instil a little more trust amongst principles.

It could even be automatically checked and even give a popup or ajax warning when the user unchecks it. The warning would say something like "It is illegal to have an uninsured vehicle on the road. To ensure that you are covered after your initial policy has lapsed we recommend you leave this box ticked"
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Walloper
Super Spammer



Joined: 24 Feb 2005
Karma :

PostPosted: 10:50 - 15 Dec 2011    Post subject: Reply with quote

It is not the insurer's duty to call you.
This is a free service some insurers offer.
Do not get out of shape if you 'lose out'.
Shell, BP etc. don't email, call, write to you to tell you you need to buy fuel...

Shocked
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair
 Back to top
View user's profile Send private message You must be logged in to rate posts

c-m
World Chat Champion



Joined: 12 May 2006
Karma :

PostPosted: 11:06 - 15 Dec 2011    Post subject: Reply with quote

Walloper wrote:
It is not the insurer's duty to call you.
This is a free service some insurers offer.
Do not get out of shape if you 'lose out'.
Shell, BP etc. don't email, call, write to you to tell you you need to buy fuel...

Shocked


Neither do they automatically fill up your tank when you run out, and charge you whatever price they want, while not giving you any option to opt-out of the automatic tank filling on contract creation.
____________________
Motorcycle headlight bulbs and HIDs
Blogging about my bike and trips
https://ridershandbook.com/
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Walloper
Super Spammer



Joined: 24 Feb 2005
Karma :

PostPosted: 11:19 - 15 Dec 2011    Post subject: Reply with quote

c-m wrote:
Walloper wrote:
It is not the insurer's duty to call you.
This is a free service some insurers offer.
Do not get out of shape if you 'lose out'.
Shell, BP etc. don't email, call, write to you to tell you you need to buy fuel...

Shocked


Neither do they automatically fill up your tank when you run out, and charge you whatever price they want, while not giving you any option to opt-out of the automatic tank filling on contract creation.


I beg your pardon Sir....

I can pick up the phone and have Shell, BP or A.N. Other deliver fuel to wherever I like. Automatically until I tell them to STOP or I stop paying and they stop.

Razz
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair
 Back to top
View user's profile Send private message You must be logged in to rate posts

Hetzer
Super Spammer



Joined: 19 Feb 2007
Karma :

PostPosted: 11:20 - 15 Dec 2011    Post subject: Reply with quote

This is a common and typical fraud which needs to be formally made a criminal act. With both my last and current insurers I have had to go to some trouble to ensure they don't automatically renew my insurance, including recording my telephone conversations with them in that regard (they were informed the calls were being recorded).

We're dealing with criminal filth here who will stoop to any and every trick in the book to steal your money.
____________________
"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"
 Back to top
View user's profile Send private message You must be logged in to rate posts
Vincent This post is not being displayed because the poster is banned. Unhide this post / all posts.

Walloper
Super Spammer



Joined: 24 Feb 2005
Karma :

PostPosted: 12:29 - 15 Dec 2011    Post subject: Reply with quote

They are all robbing bastirts.

If you buy for a pound and punt for a tenner when you added no value it could be considered thievery.

Free markets decide.

What we really need is for more folk to speak up about shite service and vote with their feet.

Watch out Tesco.... You are in my sights (Or rear view mirror rather).
____________________
W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair
 Back to top
View user's profile Send private message You must be logged in to rate posts

iooi
Super Spammer



Joined: 14 Jan 2007
Karma :

PostPosted: 21:06 - 15 Dec 2011    Post subject: Re: Take Care When Getting Close To Renewal! (Bikesure) Reply with quote

Bikesure wrote:
If we do not receive alternative advices and renew the cover in accordance with the renewal invitation but the customer has arranged cover elsewhere with effect from the renewal date, the renewal is cancelled and a full refund is issued.

Bikesure


Why take payment prior to the date of renewal.

Now I know that you have to pass the money onto the underwriter, but there is no reason to take payment prior to date of renewall. As I'm sure you don't have to pay them prior to renewall of policy.

I have seen policies renewed by brokers/ins co over a week before renewall......

A lot of people seem to forget the diffrence between broker (take payment) and underwriter (set price)

As to policy prices how came that you can give a renewall price that is way above what you can get if you do a new quote with the same co's and details.....

Or is that down to the commission you get and can use to cut the price down to attract new customers...

Hats off to you for sticking your head up there to get shot at Thumbs Up
____________________
Just because my bike was A DIVVY, does not mean i am......
 Back to top
View user's profile Send private message You must be logged in to rate posts

HD
World Chat Champion



Joined: 16 Dec 2009
Karma :

PostPosted: 22:45 - 15 Dec 2011    Post subject: Reply with quote

Is it hell. Who really reads the 'blueprint'. It should be clearly stated. You insurance companies really are just out there to get money. This is a scam.

Check this picture:

The top is the email I recieved the other day. Stating that renewal time is coming up. Nowhere does it say that they were going to do it automatically.

Then the second email says that they wrote to me. Obviously I can't prove what mail I have had but I have had no other emails from them...

The top email is one saying thanks for cancelling your policy or whatever, the following two are the ones in the image. Thats it, no contact, bullshit.

https://i1126.photobucket.com/albums/l618/HDrayton7/insurance.jpg
____________________
Rusty '02 Vito Camper + CBR600F3
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts
Old Thread Alert!

The last post was made 14 years, 73 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 -> General Bike Chat All times are GMT
Goto page 1, 2, 3, 4  Next
Page 1 of 4

 
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: 0.13 Sec - Server Load: 1.24 - MySQL Queries: 14 - Page Size: 144.8 Kb