Swinton Bike Insurance. Is it me...?

[MCW]

So, I have sold the Varadero 125 and bought an NTV650.
I call Swinton, ask for Varadero to be taken off policy and NTV added, but just fire and theft as it will be in the garage until I pass imminent test (or retakes).
Swinton tell me they can't cover me until I have passed test. Put me on to Bikesure.
Nice lady called Annabel sorts me out with cover I need and says I have 60 days to pass my test. Hurrah!
Back to Swinton to cancel policy. Am told it will cost £50.00 so to do.
The policy costs me £9.00 a month. There is 1 month left on it.

Is it me?

(I didn't cancel policy, but what is this crap and does it matter that I have an insurance policy on a bike I no longer own??).

[Nb]

Wouldnt mind knowing about this also, sold my bike but have yet to cancel my insurance as its with bennets who are a pain in the arse to deal with apparently.
Am i fuck going to pay to cancel something ive already paid for.
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Cbr1100xx blackbird gone, mk4 golf gt tdi chav now
Colin1 wrote 'Im grateful for what i can get, which isnt all that much.'
Columbus travel insurance are crap!! Do not use!

[gavbriggs]

If you have paid the complete policy then you should get a refund, should! But we know there will be some kind of reason you won't. Insist on a refund.

Do not tell them you have sold the machine, tell them you are thinking of selling it and getting another and ask what the price of the new policy will be and will there be as charge for you cancelling the previous. If you tell them you no longer have the bike you have to notify them within two weeks and cancel the policy.

Now if you go to a different company for new insurance all you need do is forget that you haven't cancelled the last policy. If it's 9 quid for the remainder of the month then it's a no brainer!

[DottyDuck]

1 year no claims bonus ftw?!


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CBT- 2012 Theory- 18/12/13 Mod 1- 07/01/14 Mod 2- 15/01/14
Old Bike: Zontes Panther 125cc - wrote off Current Bike: Kawasaki ZR7

[Ste]

The policy doesn't cost £9 per month. The loan you took out that paid the cost of the policy in full costs £9 per month.

[Rogerborg]

^^^
Truth.

Also, anticipatory congratulatories.

[Doovy]

Just leave it to expire.
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Yamaha RXS 100 > Honda CD 250 > Honda Hornet 600 > Honda CBR 600RR > Yamaha RXS 100 > Kawasaki ZX6R J2 > Yamaha FZ1

[Ali in Austria]

[TheCatSatOnTh...]

[dydey90]

Personally, I'd risk it. Just tell them you won't be renewing and leave it at that.

This whole thing about proof of license is bullshit, in six years of having a car I have never had to produce one shred of evidence to say I'm entitled to be on the road, yet for my bike I had to post off five different certificates in addition to all the forms they want.
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[hedgehugger]

Doesn't only become a problem if both parties try to claim on the insurance?

I had insurance for an er5. It was a ridiculously low amount for the years cover, amounted to £7.50 when cashback was taken into consideration. Swinton wanted £50 to cancel, so we let it run. Bike was insured by the guy we sold it to. Absolutely zero kittens were harmed, killed doubly claimed for. No problems.

I would let it run, especially for such a short amount of time.
As for your other bike I would sorn it for now, no insurance required.

[Ali in Austria]

[Rogerborg]

[ScaredyCat]

[thepuma]

They are robbing c*nts!!

I changed my car just 2 weeks before my renewal...they told me my current insurer wouldnt cover the car but they found another Insurer who could....all well and good but this was £130 MORE than what I could get it from elsewhere so said id cancel it.....she then told me its a £50 fee to cancel....WTF!! The whole years policy was only £150 and they wanted £50 to cancel with 2 weeks left!!...and only because THEY wouldnt cover the new car.

I wouldnt insure with them again unless I knew 100% I wouldnt be changing my vehicle mid term.
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YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[thepuma]

They are robbing c*nts!!

I changed my car just 2 weeks before my renewal...they told me my current insurer wouldnt cover the car but they found another Insurer who could....all well and good but this was £130 MORE than what I could get it from elsewhere so said id cancel it.....she then told me its a £50 fee to cancel....WTF!! The whole years policy was only £150 and they wanted £50 to cancel with 2 weeks left!!...and only because THEY wouldnt cover the new car.

I wouldnt insure with them again unless I knew 100% I wouldnt be changing my vehicle mid term.
____________________
YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[thepuma]

*duplicate post
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YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[gavcarter]

[Nb]

Just cancelled my bike insurance with bennets, he said we will have to charge you 50 quid so i said how the fuck can you charge me on a policy ive already paid in full?! They are only refunding me if i send the certificate back, which in itself is absolutley fucking useless. I will wipe my arse with the certificate.
FUCK BENNETS
____________________
Cbr1100xx blackbird gone, mk4 golf gt tdi chav now
Colin1 wrote 'Im grateful for what i can get, which isnt all that much.'
Columbus travel insurance are crap!! Do not use!

[Ste]

Read your policy documents. Ask questions when taking out the policy.

A charge for changes to your policy is pretty normal. Cancelling the policy is of course a change to the policy. Having to send the insurance certificate back is also pretty normal.

Insurance companies profit from stupid people.

[thepuma]

They are robbing c*nts!!

I changed my car just 2 weeks before my renewal...they told me my current insurer wouldnt cover the car but they found another Insurer who could....all well and good but this was £130 MORE than what I could get it from elsewhere so said id cancel it.....she then told me its a £50 fee to cancel....WTF!! The whole years policy was only £150 and they wanted £50 to cancel with 2 weeks left!!...and only because THEY wouldnt cover the new car.

I wouldnt insure with them again unless I knew 100% I wouldnt be changing my vehicle mid term.
____________________
YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[Ste]

You only need to click the 'submit' button once.

[ScaredyCat]

[Clanger]

Most insurers have a cancellation fee...its how they make extra money. Best let it expire and in the meantime move on to another insurer.
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Be who you are and say what you feel, because those who mind don't matter, and those who matter won't mind - Dr. Seuss

[thepuma]