Bennetts bike insurance fraud

[bugeye_bob]

Has anyone else had issues with Bennetts regarding insurance ?

I took a policy out 12 days ago with them for a 2nd bike thinking it will be plain sailing,
After 2 days of my new ride I get pulled by a rather snotty police officer, giving it the "Cant be bothered with insurance" and the " didnt think we would catch you" comments as he walks over,
I'm a little taken back as Im mid 40`s and completely legal, not some 16 yr old trying it on or something,
I politely ask what his problem is, he says no insurance and he is impounding my bike,
this is almost as he walks over, doesnt give me 10 seconds to really answer,
as we dont get a proper Certificate my minds racing as to just wtf is going on here,

Luckily I have my mobile which had the email from Bennetts,
He starts giving me grief about it not being on MID etc etc, I point out its feck all to do with me all I do is pay the premium !

So on to Bennetts, a nice polite conversation with an apology and promise it will be sorted and we move on,

Well 2 days later I get another pull, again copper jumps to wrong conclusion but this time I meet him halfway and almost shove my mobile down his throat just for the attitude,
So back again to Bennetts who say it isn't them its the Underwriter go ask them, so I do,
They have NO record of ANY POLICY for me, name, address reg, etc, nothing,
So I ask a simple question, "If I was to make a claim would they honour it", They wouldn't answer it,
So yes yet again back to Bennetts, they blame computers but still cant answer why Aviva cant find me on the system as having a policy, this worries me but not Bennetts,

So this has carried on now and 10 days in still not on MID or Aviva computers,

Do you think this is Iffy?

I cant use the bike now as I really don't believe I'm covered and if I want to cancel Bennetts are happy too as long as I pay the fee . . . . .
the best answer today was, well it can take up to 7 days to show on MID, I mention it well over that so what now, answer, "Oh".

Aviva have launched their own investigation as to why Bennetts are using their name on certificates yet aren't starting policies .

[covent.gardens]

Bennets is a massive broker so it's incompetence rather than fraud, you paid them so they should be sorting it out, not down to you to ring the underwriter. Ring and demand to speak to a manager.

You can use https://www.askmid.com/ to check the database yourself to see when they've fixed it.

[MarJay]

I don't think you've kicked up enough of a stink with Bennetts yet. They need to be doing a proper internal investigation by someone who isn't just a telephone monkey. You need to get the name and number of a manager and also the name of someone who understands the technical aspects well enough to find out why the databases and computer systems are not synchronised properly (one of their IT bods I guess?).

I'd not take anything from them until they've given you a definitive answer. Not wishy washy "Oh it can take a few days". It clearly hasn't been done, and the underwriter has no record of it. That would ring mega alarm bells with me to be honest.

Don't get angry with them, be firm and polite but don't let them fob you off, don't end the call until you speak to someone who can give you a definitive answer. If they genuinely can't give you an answer then they need to investigate and get back to you within 24 hours else you'll consider going to the insurance ombudsman.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[chickenstrip]

Thanks for that link covent.gardens.
My insurance recently wrote to me about the company being taken over by another, and kept meaning to check everything still ok. I'm safe

I added breakdown recovery when I insured, as an optional extra, and I've never been able to find out who I call in the event of a breakdown. The dopey gits answer my emails, but never answer that question!

In the dictionary, look up insurance companies under "incompetence"

[bugeye_bob]

[Knacker]

And this is why I stick with Adrian Flux regardless of price.
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Current: Gsxr 600 Srad - GS125 - DT125
Previous: K1 GSXR 1000

[bugeye_bob]

[Rogerborg]

Print off the certificate of insurance, carry it on you, be confident that you will end up claiming back every penny of loss or expense from the police Farce if your bike is seized.
____________________
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

[Knacker]

[bugeye_bob]

[Rogerborg]

Why does it matter what they say on the phone either way?

They only way that you can prove it where it ultimately matters, before a court, is by showing the certificate of insurance. That (at the moment) is the document that is both necessary and sufficient.

That's the position taken by your Englander Court of Appeals, and I'd be happy riding on that basis.
____________________
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

[The Disapproving Brit]

[Motorhate]

Strange - I'm insured with MCE and recently swapped the insurance over. The wallah on the other end of the phone had no record of one of the bikes on my policy which I had paid for. I kicked up a fuss to the extent that they insured my CB500 for free. It turned out that it was a "computer error" and that I would have been covered. Not good enough I say as they couldn't give me a definite yes or no as to I'd have been covered in the event of a claim. I'm seriously considering going elsewhere when the policy expires.
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Current - Harley Davidson FXDB Street Bob | Harley Davidson FLTR Road Glide | Harley Davidson Road King
GONE - Honda CB500 Ratbike | Yamaha FZ750 | Yamaha XVS1100 | Kawasaki VN2000 | Kawasaki ER-6 F | Harley Davidson XL883L Sportster

[FLV]

I'm on the MID and am insured with bennetts as of about 10 days ago.
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parp...brap....parp

[janner_10]

[Baffler186]

[Teflon-Mike]

According to test case where Judge made ruling over bloke having car seized for driving on the 'extension' cover of another policy, when Police said that the car wasn't covered, so they were having it, and Ins Co said that extension cover only applied if vehicle was other wise insured on its own policy; Judge ruled, NOPE, whats on the paper is what matters, NOT what insurance brokers or half clued coppas say or would like to believe.

The Actual, insurance company issued paper cirtificate.

And according to what is actually written in the statutes of the Road Traffic act, you ought to have that actual bit of paper, as issued by the ins co, in your possession, before you use motor-vehicle on public roads.

Not a promice of one over the telephone; not something in the post; not some e-mail on a phone; nor ink-jet self-print.. the actual real Ins-Co issued, certificate of insurance.

So you are doing the 'right' thing as far as not riding till you get proper papers.

MID is not a 'legal entity' as far as the RTA, as it stands at this moment, to my knowledge; fact that police and insurance companies and DVLA would like to take it as gospel, and are happy to let folk rely on it as they do, making thier life easier, doesn't make it law; just common practice.

Believe its due to change come November, when they get rid of the tax disc; but even then, I dont know hoe much legal standing there will be to the MID; DVLA advice sheet says you will still be able to pay tax at the post-office presenting paper ins-cert, so I presume they still admit its 'fallible'.

Fraud? Probably not. Just lazy people; bean counters and computers, conspiring as normal, to cause 'fuck-ups' no-one has to take responsibility for, as computers make it SO much easier to simply pass the buck. Modern Life, eh?

Call Bennets; yell at them; demand to talk to a manager, or higher.

Be unbrittish. Make a fuss, and don't be fobbed off with buck passing; Remember, THEY are the ones who have taken your money, THEY are the ones who you have a contract to provide insurance with; so THEY are the ones to damn well deliver the goods YOU have paid for, and you want them NOW, here, TODAY... IN WRITING, and if that means some-one has to pedal to timbucktu to find a type-writer to make you a propper ins-cert,, then THAT is what they will have to do, NOT YOUR PROBLEM... they have sold you goods, DELIVER them!

Law says you need genuine Insurance Cert. End of. No 'buts', 'ifs' or explanations, that's just fobbing you off.

Immeterial whether they think you need one, or what they think the law says.

You have paid for, and expect an insurance cert. and you want 'goods' you have paid for. End of! Why you need them is NOT thier bludy concern or business.

And you have paid THEM for it.

If they have to get it from some-one else, well, that's THEIR problem, not yours, YOU shouldn't have to go sorting THEIR bludy supply chain problems.

Chuck the buck back at them. Make them earn their bludy money. They are quick enough to take it, aren't they?
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[Knacker]

[map]

[Rogerborg]

[smegballs]

I got a new policy with ebike last saturday, and it's has only come up on the MID today. First thing I did was print out the insurance cert pdf and keep it in my bike jacket pocket, just to cover my arse.

I also keep a copy of my sisters insurance to prove I'm a named rider on her bike in case of being tugged and cops getting in a fuss because I'm not the reg'd keeper.

[map]

[doggone]

I'd double check it isn't some silly mistake like one digit wrong in the registration number for a start.

[bugeye_bob]

[Doovy]