Scots biker in insurance hell....

[ScaredyCat]

[Llama-Farmer]

I was previously aware of such implications, that if you still possess insurance on a vehicle you no longer own, and the new owner is uninsured, then your insurance is liable.


I think it is absolutely wrong, but that is the way it is.

It is not fair on the victims not to pay out, not fair on the insurance company to make them pay out but not recover costs, and not fair on the previous owner to recover costs for an unwitting mistake and an accident that is nothing to do with them.

Unfortunately when the uninsured driver/rider kills themselves, theres not much that can be done to recover costs from them either.


The law is an ass.
Sometimes.
____________________
Current Bike: 1999 Honda CB600 FX Hornet
Next Bike: I want a CBR-RR. And I want an F800 GS-A. And a VFR 800. Can I have all 3?
Dream Bikes: Honda VFR750R RC30, Honda NSR500, Ducati 996 R

[drbaig]

wow, ridiculous.
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yzf 600r

[Musketeer]

Many people don't cancel their insurance because either:
- the cancellation cost is high and just rip off
- they want to earn one more year NCD

It's not the first case like this. I've heard about a few others. I always cancel my insurance straight away after I sell my car/bike. I didn't earn as many NCDs as I could have but at least I didn't have to live in fear that something like this will happen to me.
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Current Bike: Yamaha XSR900 Previous bikes: Honda CBR1000RR Fireblade, Kawasaki ZX-6R Ninja, Aprilia RS125 2-stroke

[G]

MCE are pretty bad as far as insurance companies go.

But in this case it seems to be the law/deceased that are the ones being the ass.

Hardly fair to other MCE customers for their insurance to be paying out in this case.

[CaNsA]

I wonder if there is a "you must inform us within x amount of days if you sell the insured vehicle" clause in the policy.

[Wull]

I'm guilty of that,I did it with the gsxr1000 I sold last year and the car I sold back in April/may.

I won't be making that mistake ever again
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"Scooters are for men who want to ride motorcycles but prefer to feel the wind on their vaginas"

[daemonoid]

[iooi]

[Rogerborg]

[map]

I don't understand all this talk of MCE being the insurer and claiming the money back.

MCE are just a broker. They arrange insurance with a real insurance company. That's how they make their money. The insurance isn't actually underwritten by MCE.

It's the real insurance company that has to pay and/or chase up getting it back. MCE are just acting as the insurer's pimp.
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...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger?

[y2blade]

What an idiot

I expect the swetty didn't want to pay the cancellation fee and thought he was being smart


dumbass

[CaNsA]

Note how the word "forgot" is being used.

MCE have to prove that the guy intentionally set out to deceive them by not notifying them of a change.

[Rogerborg]

[Llama-Farmer]

[MC]

What a crock of $hit. Sorry more profound words elude me.
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[Tamsin]

[map]

[chris-red]

Am I the only one who thinks it is the blokes fault for not cancelling the insurance?

The bike was still insured, just because he didn't own it doesn't affect that.

Would anyone be moaning that MCE were coming after him if he let his mate have a go who isn't insured and he threw it into a car? Because this is pretty much the same thing.

MCE cover the bike and must be liable for TP. Why should they be forced to take the hit when it has been riden outside the terms the insurance. Ignorance of it is no excuse.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
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.

[map]

[chris-red]

[Clutchy]

Meh done it before, knew the risks.

Bit of a fool if you didn't know this
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Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[iooi]

[Rogerborg]

<wrong thread, derp>
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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

[chris-red]