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


Nosey insurance company

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

MarkJ
World Chat Champion



Joined: 11 Apr 2006
Karma :

PostPosted: 21:04 - 02 May 2015    Post subject: Nosey insurance company Reply with quote

I've sent copies of my licence and NCB to my new insurer which is par for the course. They've then sent an email back saying there are outstanding things I need to complete. Confused, I've looked through the documentation and the company the policy is actually with want me to explain why the bike wasn't insured for a month between the old insurance and the current one I've just taken out with them. (It was on SORN for a month as it wasn't going to be used)

Anyone else had this? What next, compulsory medicals for insurance?
 Back to top
View user's profile Send private message You must be logged in to rate posts

The Wobbly Orange
Brolly Dolly



Joined: 16 Aug 2005
Karma :

PostPosted: 21:12 - 02 May 2015    Post subject: Reply with quote

"I was not using it for that month"
____________________
People tell me I am lovely. How wrong they are!
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

waffles
World Chat Champion



Joined: 04 Oct 2009
Karma :

PostPosted: 21:36 - 02 May 2015    Post subject: Reply with quote

Maybe they get a referral fee from the DVLA for grassing up people who have fallen foul of the continuous insurance thing? As you SORN'd it you are all above board so tell them that.
____________________
Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125
 Back to top
View user's profile Send private message You must be logged in to rate posts

andyscooter
World Chat Champion



Joined: 30 May 2009
Karma :

PostPosted: 21:43 - 02 May 2015    Post subject: Reply with quote

I got bike and went on holiday your honour
____________________
gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

arry
Super Spammer



Joined: 03 Jan 2009
Karma :

PostPosted: 21:58 - 02 May 2015    Post subject: Reply with quote

Just answer the question. It's a stupid question I grant you, but they're asking so
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 23:51 - 02 May 2015    Post subject: Reply with quote

Do they really expect that anyone will respond with anything other than "Wasn't being used" ?

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

Mysteriass
Nova Slayer



Joined: 06 Apr 2015
Karma :

PostPosted: 23:55 - 02 May 2015    Post subject: Reply with quote

Your insurance company is supposed to help you, not immediately imply or assume that you're guilty of something.

Why pay a corporation to provide a service to you when they're more interested in helping anyone and anything but you?

Tell them that they can take a running jump or at least make a token effort to play the game. They can start by not taking an adversarial tone against a paying customer who is incidentally paying their wages and it wouldn't hurt to show some fucking respect.

We need to start "taking it back" from these entities who we permit to hold clubs over our heads. They need to be taught just who's running this bloody farcical bollocks of a system...Because it ain't them, the police, the government, the EU nor any bunch of transitory digital AI and its files on a bunch of servers somewhere ...We run the show.

If nobody paid their insurance - or whatever - tomorrow...what are they going to do about it?

It is a variation of this very dynamic that the authorities and their bottom feeders must be careful about. If they push enough people too far at once and enough of those people have got nothing to lose and say: "I'm mad as hell and I'm not going to take it anymore", then the bottom drops out of system and they've got big problems.
 Back to top
View user's profile Send private message You must be logged in to rate posts

MarkJ
World Chat Champion



Joined: 11 Apr 2006
Karma :

PostPosted: 00:09 - 03 May 2015    Post subject: Reply with quote

"Not in use, SORN'd" was sent back. There's actually 6 lines to fill out why it wasn't in use, I think they might be expecting a Tef-style response?

I'm going to ring them when they're open next time to ask what they're playing at. Policy is with Devitt but actually with someone else (can't remember who).

I think the DVLA referral thing might be true, sad times.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Andy_Pagin
World Chat Champion



Joined: 08 Nov 2010
Karma :

PostPosted: 00:16 - 03 May 2015    Post subject: Reply with quote

I think they're just making a bit of an effort to tackle all the fraud and dishonesty in their industry that's been ramping up our premiums for the last twenty years or so. I wouldn't take it personally. In the long run forcing potential assureds to explain there situation fully should help then to get premiums back down to a sensible level.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Triton Thrasher
Could Be A Chat Bot



Joined: 16 Oct 2012
Karma :

PostPosted: 09:48 - 03 May 2015    Post subject: Reply with quote

It was crashed.

It was stolen and recovered.

I was long-term drunk.

I was too ill to drive.

I was in prison.

I was working overseas and my house and garage had no human occupation.

I was committed to an asylum.

I was banned.

Are all answers which might interest the insurers. There are others too, I expect.

If they ask and get an answer, even if you lie, they may feel they've applied due diligence.
____________________
Rrrrrrrrrrrrrrrrrr
 Back to top
View user's profile Send private message You must be logged in to rate posts

Triton Thrasher
Could Be A Chat Bot



Joined: 16 Oct 2012
Karma :

PostPosted: 09:50 - 03 May 2015    Post subject: Reply with quote

Mysteriass wrote:
Your insurance company is supposed to help you, not immediately imply or assume that you're guilty of something.

Why pay a corporation to provide a service to you when they're more interested in helping anyone and anything but you?

Tell them that they can take a running jump or at least make a token effort to play the game. They can start by not taking an adversarial tone against a paying customer who is incidentally paying their wages and it wouldn't hurt to show some fucking respect.

We need to start "taking it back" from these entities who we permit to hold clubs over our heads. They need to be taught just who's running this bloody farcical bollocks of a system...Because it ain't them, the police, the government, the EU nor any bunch of transitory digital AI and its files on a bunch of servers somewhere ...We run the show.

If nobody paid their insurance - or whatever - tomorrow...what are they going to do about it?

It is a variation of this very dynamic that the authorities and their bottom feeders must be careful about. If they push enough people too far at once and enough of those people have got nothing to lose and say: "I'm mad as hell and I'm not going to take it anymore", then the bottom drops out of system and they've got big problems.


The insurers are probably cagers, too!

When do we attack?
____________________
Rrrrrrrrrrrrrrrrrr
 Back to top
View user's profile Send private message You must be logged in to rate posts

Andy_Pagin
World Chat Champion



Joined: 08 Nov 2010
Karma :

PostPosted: 10:53 - 03 May 2015    Post subject: Reply with quote

Mysteriass wrote:
Your insurance company is supposed to help you, not immediately imply or assume that you're guilty of something.

They are helping you and everyone else by trying to accurately asses the risk they're taking with their money. Why should the safe-ish majority pay for a handful of idiots and fraudsters?

Mysteriass wrote:
Why pay a corporation to provide a service to you when they're more interested in helping anyone and anything but you?

Wrong in every way. You're the customer, but the service they're providing is to risk a large amount of their money against your driving skills.


Mysteriass wrote:
Tell them that they can take a running jump or at least make a token effort to play the game. They can start by not taking an adversarial tone against a paying customer who is incidentally paying their wages and it wouldn't hurt to show some fucking respect.

Would you risk a lot of your money on a stranger - no questions asked?

Mysteriass wrote:
We need to start "taking it back" from these entities who we permit to hold clubs over our heads. They need to be taught just who's running this bloody farcical bollocks of a system...Because it ain't them, the police, the government, the EU nor any bunch of transitory digital AI and its files on a bunch of servers somewhere ...We run the show.

No we don't. The government runs the show.

Mysteriass wrote:
If nobody paid their insurance - or whatever - tomorrow...what are they going to do about it?

Prosecuting uninsured drivers and scrap metal processing would become the top growth industries. Get real, you will never defeat the law.

Mysteriass wrote:
It is a variation of this very dynamic that the authorities and their bottom feeders must be careful about. If they push enough people too far at once and enough of those people have got nothing to lose and say: "I'm mad as hell and I'm not going to take it anymore", then the bottom drops out of system and they've got big problems.

You mean like Arthur Scargill attempted in the 1980? "The N.U.M. is going to bring down this Tory government"
Good luck with that one!
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 12:12 - 03 May 2015    Post subject: Reply with quote

MarkJ wrote:
"Not in use, SORN'd" was sent back.

I wouldn't have said that it was SORNed, because that's (apparently) not what they asked. SORN is a consequence, not the cause.

If they'd meant to ask for confirmation that it was SORNed, then surely they would have done so. After all, this is their day job, and who are we to second guess these highly skilled and diligent professionals?

Derp question is derp. Nobody is ever going to give an answer other than "not being ridden". Nobody. Ever.
____________________
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
 Back to top
View user's profile Send private message You must be logged in to rate posts

Triton Thrasher
Could Be A Chat Bot



Joined: 16 Oct 2012
Karma :

PostPosted: 12:14 - 03 May 2015    Post subject: Reply with quote

Quote:
If nobody paid their insurance


You mean if you didn't pay your insurance and two of your pub buddies who have no bikes, said they wouldn't pay either.
____________________
Rrrrrrrrrrrrrrrrrr
 Back to top
View user's profile Send private message You must be logged in to rate posts

Mudshark
Nearly there...



Joined: 19 May 2014
Karma :

PostPosted: 12:18 - 03 May 2015    Post subject: Reply with quote

Andy_Pagin wrote:

Wrong in every way. You're the customer, but the service they're providing is to risk a large amount of their money against your driving skills.


where does "their" money come from


Andy_Pagin wrote:

Would you risk a lot of your money on a stranger - no questions asked?


my money? of course not, I'd take other peoples money from a big enough pool so if I had to pay out I'd still have enough to keep some. They are after all in it to turn a profit, couching it in terms of providing a service.

I'm not disagreeing that insurers should minimise the risk, but it's only their money because we collectively have given it to them. You could do it in a co-operative or mutual way.
____________________
R1250RS
XT660X
 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: 12:29 - 03 May 2015    Post subject: Reply with quote

Mysteriass wrote:

If nobody paid their insurance - or whatever - tomorrow...what are they going to do about it?


Well a lot of crushed bikes & cars springs to mind....

But do you really want to ride/drive with no insurance.... Lets face it no vehicle would be safe from theft and roads would be survival of the brave.
If there was no comeback in the event of a crash. Who is going to pay for the damage & injury......
Certainly not your average road user Laughing
____________________
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

SQL
World Chat Champion



Joined: 09 Aug 2012
Karma :

PostPosted: 12:41 - 03 May 2015    Post subject: Reply with quote

It was uninsured being ridden track init
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

Andy_Pagin
World Chat Champion



Joined: 08 Nov 2010
Karma :

PostPosted: 12:52 - 03 May 2015    Post subject: Reply with quote

Mudshark wrote:
where does "their" money come from

Largely from investors, shareholder and private capital. The profits come from not paying out to assureds whilst collecting premiums obviously. What might not be so obvious is they can't just trouser the 'profits' They have to maintain a reserve fund large enough to cover all their potential liabilities, hence they have a massive incentive to minimise their theoretical risk exposure.


Mudshark wrote:
I'm not disagreeing that insurers should minimise the risk, but it's only their money because we collectively have given it to them. You could do it in a co-operative or mutual way.

Actually it's their money because of their investors. As for an insurance co-op? Interesting idea, but do you have the faintest idea how much capital would be required? How much expensive expertise is required to run the show? How many regulatory requirements have to be met. What you experience when you get your insurance certificate is a peek at the tip of a colossal iceberg, no more.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Triton Thrasher
Could Be A Chat Bot



Joined: 16 Oct 2012
Karma :

PostPosted: 12:56 - 03 May 2015    Post subject: Reply with quote

Mudshark wrote:


You could do it in a co-operative or mutual way.


I think you can, but if you are borrowing money to post as a bond, it might be more expensive than insurance.
____________________
Rrrrrrrrrrrrrrrrrr
 Back to top
View user's profile Send private message You must be logged in to rate posts

MarkJ
World Chat Champion



Joined: 11 Apr 2006
Karma :

PostPosted: 18:41 - 03 May 2015    Post subject: Reply with quote

Rogerborg wrote:
I wouldn't have said that it was SORNed, because that's (apparently) not what they asked. SORN is a consequence, not the cause.

I agree, but i really can't be doing with the hassle of them asking yet more questions. They've already sent me a letter saying they're going to cancel my insurance if I don't send them proof of NCB (because Bennetts have taken an entire bloody month to send my NCB through, after repeated phone calls requesting it). They have proof of NCB now so hopefully I won't hear anything more from them.
 Back to top
View user's profile Send private message You must be logged in to rate posts

stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
Karma :

PostPosted: 19:26 - 03 May 2015    Post subject: Reply with quote

I'd be tempted to give them the full jack-o-nory.

They gave you six lines. Use them.

"Our Sharon texted Tracey to tell her Darleen said Mary's a slag. Mary kicked off right? So our Baz went round and done her windows then got lifted. Tracey like totally lost it and went down the station but they were "Whatever" then Baz punched the custody sergeant an they done him 2 weeks for ABH. But whatever. Baz had my garage keys in his pocket when he was lifted so I couldn't get the bike until he got let out. Right?"
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
 Back to top
View user's profile Send private message You must be logged in to rate posts

mattyfattyboo...
Scooby Slapper



Joined: 05 Feb 2014
Karma :

PostPosted: 20:47 - 03 May 2015    Post subject: Reply with quote

Yeah I'd ramble for the 6 lines too about all sorts of shite Laughing
 Back to top
View user's profile Send private message You must be logged in to rate posts

Triton Thrasher
Could Be A Chat Bot



Joined: 16 Oct 2012
Karma :

PostPosted: 21:00 - 03 May 2015    Post subject: Reply with quote

Abducted by aliens and couldn't sit down for a month.
____________________
Rrrrrrrrrrrrrrrrrr
 Back to top
View user's profile Send private message You must be logged in to rate posts

Teflon-Mike
tl;dr



Joined: 01 Jun 2010
Karma :

PostPosted: 21:46 - 03 May 2015    Post subject: Reply with quote

Last silly question my insurance 'advisor' asked me was;
> "So is there anything else I can help you with today?"
I replied:-
<"Well, the lawn needs cutting, but I cant get the mower started... "
Resulted in
>"Sorry I don't understand"
<"You asked if you could help me with anything else..."
>"yes... I still don't understand..."
<"Well can you help me get my mower started, or cut the lawn?"
>"why?"
<"Because the grass is getting too long!"
>"Sorry, I still don't understand.. is there anything else I can help you with today?"
I don't think they have much of an imagination, or sense of humor when they work in insurance...
____________________
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?'
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

Rogerborg
nimbA



Joined: 26 Oct 2010
Karma :

PostPosted: 21:50 - 03 May 2015    Post subject: Reply with quote

I am so 'shipping for Baz and Darleen.
____________________
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
 Back to top
View user's profile Send private message You must be logged in to rate posts
Old Thread Alert!

The last post was made 10 years, 345 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 + 1 Hour
Goto page 1, 2  Next
Page 1 of 2

 
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: 0.12 Sec - Server Load: 0.58 - MySQL Queries: 14 - Page Size: 135.46 Kb