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Tracer1234 |
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Tracer1234 World Chat Champion
Joined: 13 Sep 2014 Karma :
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Posted: 22:20 - 19 Sep 2018 Post subject: Bike Stolen, Lexham says no money! |
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Sorry its been a while, but my return comes with sad news. Bike got chavved.
Long story short:
- Bike stored tucked down the end of my drive, underneath a storm shelter.
- At night, it cant be moved due to car in the way, so was stolen during the day.
- When I took out the insurance, i declared that other than steering lock there was no other security.
- Put a claim in, again saying no extra lock son
- they have now turned round and said they will not pay out as in the fine print it apparently says there must be at least a D lock or disk lock.
So all in all, they aint paying squat.
Has anyone had any situations like this. I am absolutely gutted and not going to get a penny
Its Lexham Insurance. ____________________ Riding: Yamaha MT-09 Tracer Occasionally Riding: 08 Suzuki SV650, Potato: 2011 Yamaha YBR Custom.
Used to ride: 2015 Yamaha MT-09 Tracer (smidsy) 09 Triumph Street Triple (P/X'd) 08 Yamaha YBR (Sold)
CBT 04/14. A: Mod 1 & 2 13/04/15 |
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arry |
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arry Super Spammer
Joined: 03 Jan 2009 Karma :
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owl |
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owl World Chat Champion
Joined: 21 Oct 2016 Karma :
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Posted: 23:16 - 19 Sep 2018 Post subject: |
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Hey Tracer, welcome back.
Where you been bud?
I’m with Lexham but I did read in the policy they require at least 2 forms of lock, steering and disc being valid.
What was strange when I declared the disc lock the policy went up by £100, I was told by a representative on the phone not to declare the disc lock, but as long as I used it I would be fine. I have this as a voice recording.
Quite concerning hopefully gets sorted mate. ____________________ Observation is the greatest source of wisdom. |
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grr666 |
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grr666 Super Spammer
Joined: 16 Jun 2014 Karma :
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Posted: 02:14 - 20 Sep 2018 Post subject: |
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Welcome back and
____________________ Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off. |
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doggone |
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doggone World Chat Champion
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arry |
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arry Super Spammer
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AL- |
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AL- World Chat Champion
Joined: 17 Mar 2005 Karma :
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Posted: 10:42 - 20 Sep 2018 Post subject: |
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Gutted to hear about the bike. Clearly, you're not having much luck when it comes to Tracers
I hope you manage to get it sorted |
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skatefreak |
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skatefreak World Chat Champion
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Pjay |
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Pjay World Chat Champion
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chickenstrip |
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chickenstrip Super Spammer
Joined: 06 Dec 2013 Karma :
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Posted: 12:11 - 20 Sep 2018 Post subject: |
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owl wrote: |
I’m with Lexham but I did read in the policy they require at least 2 forms of lock, steering and disc being valid.
What was strange when I declared the disc lock the policy went up by £100, I was told by a representative on the phone not to declare the disc lock, but as long as I used it I would be fine. I have this as a voice recording. |
Tracer1234 wrote: | - they have now turned round and said they will not pay out as in the fine print it apparently says there must be at least a D lock or disk lock. |
arry, please explain what is going on here. Do you wonder why insurers aren't trusted? Is it the customer's fault? ____________________ Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE! |
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owl |
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owl World Chat Champion
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Fizzoid |
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Fizzoid World Chat Champion
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bhinso |
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bhinso World Chat Champion
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LustyLew |
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LustyLew World Chat Champion
Joined: 19 Apr 2004 Karma :
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Posted: 14:30 - 20 Sep 2018 Post subject: |
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chickenstrip wrote: | owl wrote: |
I’m with Lexham but I did read in the policy they require at least 2 forms of lock, steering and disc being valid.
What was strange when I declared the disc lock the policy went up by £100, I was told by a representative on the phone not to declare the disc lock, but as long as I used it I would be fine. I have this as a voice recording. |
Tracer1234 wrote: | - they have now turned round and said they will not pay out as in the fine print it apparently says there must be at least a D lock or disk lock. |
arry, please explain what is going on here. Do you wonder why insurers aren't trusted? Is it the customer's fault? |
When taking out an insurance policy it is the insured responsibility to review the policy documentation. If they do not agree they can cancel. That's what cooling off periods are for. It would be unfair and unreasonable to expect a consumer to review all the T&Cs at point of purchase. 14 days is more than adequate. No different that any other financial agreement (car purchase, phone contract etc). |
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A100man |
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A100man World Chat Champion
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DrSnoosnoo |
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DrSnoosnoo World Chat Champion
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P. |
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P. Red Rocket
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Polarbear |
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Polarbear Super Spammer
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Tracer1234 |
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Tracer1234 World Chat Champion
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skatefreak |
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skatefreak World Chat Champion
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Hahadumball |
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Hahadumball World Chat Champion
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arry |
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arry Super Spammer
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arry |
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arry Super Spammer
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arry |
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arry Super Spammer
Joined: 03 Jan 2009 Karma :
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Posted: 12:38 - 21 Sep 2018 Post subject: |
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chickenstrip wrote: | owl wrote: |
I’m with Lexham but I did read in the policy they require at least 2 forms of lock, steering and disc being valid.
What was strange when I declared the disc lock the policy went up by £100, I was told by a representative on the phone not to declare the disc lock, but as long as I used it I would be fine. I have this as a voice recording. |
Tracer1234 wrote: | - they have now turned round and said they will not pay out as in the fine print it apparently says there must be at least a D lock or disk lock. |
arry, please explain what is going on here. Do you wonder why insurers aren't trusted? Is it the customer's fault? |
First bit with pricing - random number generation; it's unfortunate that the pricing monkeys don't test their own algorithms properly but it also works to your advantage on occasion, so swings and roundabouts I guess.
Second bit with security - well, it's a clear and fair condition and it's there in the docs and is referenced on FAQ's etc, so it's hardly hiding. The issue here is going to be the hole in the spec. The question set asks security because it's using them as a rating factor. The endorsement that applies is, in effect, an acceptance criteria (you will use a disc lock or you ain't getting theft cover) - the two aren't linked very well if at all, it would seem. With such a prominent question on the Statement of Fact showing no security, you'd expect the inclusion of the security condition to be EXTREMELY prominent because, whilst they're not intended to be, they are contradictory to each other.
If it hasn't been highlighted then there's a gap there and that's where the angle of attack would go.
A secondary angle would be to look at the immateriality of the breach. If the security endorsement shows that any disc lock is required, not one that meets a certain approval, we could argue that a cheap one would be bust by a thief in less than 15 seconds and the thief had all the time in the world as they were working in an area they could avoid detection and make as much noise as they liked without raising an alarm. As a result, what odds would it have made if the disc lock was in play? None at all - same end result. Therefore, it's immaterial. It is a tough one to play that, though, and the circumstances need to be exactly right. |
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Old Thread Alert!
The last post was made 5 years, 216 days ago. Instead of replying here, would creating a new thread be more useful? |
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