JMI: Just Motorcycle Insurance Brokers

[Analogkid]

Bike ins was up for renewal, went via Confused.com and best policy seemed to be with Just Motorcycle insurance.

On proposing the policy I was asked to estimate my annual mileage and di this at between 4000-4999 miles.

I took out the policy at 8:45pm last night, all online without actually speaking to a representative, on getting the docs I discovered a clause that stated that if I exceeded my estimate they would unlikely pay out in the event of a claim, in the past this 'estimate' has always been that, an estimate, and was not a hard and fast amount that I couldn't exceed, I do understand that if my mileage was wildly different from the estimate it may cause problems, but I've never had it stated as a hard and fast number.

I called a young lady called Lauren this morning, her tone was unhelpful, argumentative and downright condescending, not to mention she would not allow me to speak and kept interrupting, she also informed me that she would refund what I had paid minus £25 admin and cancellation fee, which I found highly unacceptable as did the Financial Obudsman when I called for advice, a cooling off period is that (currently 14days) and given I had called at the earliest opportunity I felt it tantamount to extortion. This company is a part of Carole Nash insurance, and when I said this to Lauren the Customer service Argumentative, she suggested I complain if you like we are their Sister company, not owned by them (which is wrong) So in my complaint email I copied in confused.com and the MD of Carole Nash

I have complained via phone and email and have asked for a full refund or a Final Response letter.

I would suggest that anyone taking out a new policy consider if they want to deal with a company with such a practice as Just Motorcycle Insurance they consider it carefully, I'll let you know how I get on.

TL;DR Avoid JMI:Just Motorcycle Insurance they will try and rip you off with unscrupulous cancelation practices.

[Rogerborg]

They can charge the reasonable cost of setting up the policy plus a pro-rata for cover.

They can't charge a "cancellation" fee. But that's semantics as the Ombudsman has held that up to £50 "set up" is reasonable (nobody laugh).

Why so salty over the mileage? It's a risk factor like any other.

Let's see the wording of this clause then. The actual wording, not your interpretation of it.
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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

[Analogkid]

[Rogerborg]

My mind thinks that you either seriously lowballed the mileage, or that you're getting high-horsey over nothing.

How much do you think you should be able to exceed your estimate before you're the one abusing them? 10%? 20%? 50%? 100%? More?
____________________
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

[Analogkid]

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[Wonko The Sane]

Estimated means just that, I estimate that I'll do about 1000 miles per month, so tell the insurance I'll do less than 13k a year to give myself extra to cover some longer trips that I may or may not do and I get a policy calculated on risk accordingly. But If I actually do 13100 miles in the year I would hope my insurance is still in effect since it's not much over the estimate, since the estimate was exactly that.

Proof that I've exceeded is going to be difficult as no one has asked for my current millage.

a hard limit of 13k and I go over, even by 10 miles could invalidate my cover seems unfair, unless I agreed to it at the point of taking out the policy.

The OP has read his policy documents, found something that does not suit, has tried to cancel at the earliest point he can and gotten bullshit from the person on the other end of the phone.

I get that they're protecting themselves from "yeh, I do 3k a year mate, oh, I've happened to do 5k this year" but do you trust your insurance company to make reasonable allowance on a limit, I don't.
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Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[Analogkid]

[Analogkid]

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[Analogkid]

[Rogerborg]

If you didn't expect to be delivering Rainpal®s on your bike, but half way through the year you started doing so due to massive demand, would you expect to still be covered?
____________________
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

[Analogkid]

[Polarbear]

Has anyone got any idea how much the insurance rises per 1000 miles?

I would bet it pennies. Bit like saying you have an alarm, all it does is make you more likely to get refused a payout of they can prove it wasn't working.

I'm with JMI. I tell them 8000 a year and have probably done 800 this year. So what. In fact they never asked for proof of mileage anyway so I doubt if it makes an iota of difference.

arry will be along to give us the gen hopefully.
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Triumph Trophy Launch Edition

[Ste]

Don't assume that more miles will mean a higher price as it's all down to what the big table of statistics says.

[Kawasaki Jimbo]

[Freddyfruitba...]

[Polarbear]

[andyscooter]

op


how many miles does your bike have and did they ask for proof


if not how would they ever have known how many miles you had done
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Analogkid]

[P.]

I'm going to guess the wording says your annual mileage. Not the bikes.

That's cool, if you go over, you gave it to a friend to do a few trackdays / Europe trip with his own insurance.

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[Analogkid]