Bike Insurance Cancelled

[GettinBetter]

So, I Insured the bike for the year via broker (Caroline Nash), who used the insurance services of a company called KGM Underwriting Services Ltd.
I used CN because I used them last year and everything was fine.

Renewed this year and all was going fine (documents recieved) untill I received a letter from CN (almost a week later) asking for:

* Photo copies of the front and back of my licence.
* A record of my driving history.
* Confirm address of insured.
* Confirm address where bike was stored over night.

Now, I had never heard of a driving history, who the fuck has that, I'd never heard of it.
So I emailed CN, with some questions. Now apparently CN assures me (by auto reply) that they will answer my email within 5 days, but the letter only gave me 7 days to respond with said information. So I though if they can't answer their emails for 5 days it can't be that important.

A couple of days later I get another letter this time advising that they were formerly notifying me that cancellation was in process unless I responded in the next seven days.

This time I rang them up and had a hissy fit telling them that I didn't respond well to threats and that they could cancel if they want, I couldn't care less. The woman on the other end said she'd get someone to call me. A couple of days passed and nothing, So I rang again and asked them to cancel it, which they did.

Never did get a response to my email.

I know I probably over reacted, but they really piss me off when they send out a threatening letter as the first means of contact.

Your thoughts and comments on a postcard please....

[DJP]

I've had similar with Adrian Flux: Filled in the online forms, paid the money etc etc and thought I was done.

But no, about a week later I started getting seemingly endless requests for further information, stuff that no one else even asks for, and all accompanied by threats of cancellation if not immediately complied with.

I got it sorted in the end but I won't have anything further to do with AF or its off shoots.

Sounds like CN can go in that box too (although it's been years since CN were anywhere near competitive for me).
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Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https

[xX-Alex-Xx]

I had similar with Hastings too. As it was an extra vehicle, I was starting the policy on zero NCB (screw you insurance companies for tying NCB to the vehicle not the driver). I started the policy, then a month later they asked me to sens through proof of NCB or they'd cancel my insurance. Replied back asking how I prove zero NCB. Nothing. Then another letter threatening cancellation if I didn't reply within 3 days. Replied back again asking how TF I'm supposed to prove that doesn't exist. At least I got a reply back the following day saying all was OK....
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DILLIGAF

[Ayrton]

Usual shit from insurance companies, they are really fucking incompetent. Last year I insured my bike with MCE and they somehow put it under my brothers name because he also has a policy with them, lives under the same address and has the same birthday so something on their system screwed up.

I just took out a new policy last night and had an email today saying they think some details are incorrect so it "may not" be valid until I give them a call, but they are shut until Monday so I have no idea if I'm insured for the ride I had planned tomorrow

[Bhud]

Carole Nash is just, well, a call centre and a website. The best thing to do is to get them on the phone, as you've already done. Their automatic email responses are ridiculous - don't rely on those.
I got my quote for my GT550 insurance via either GoCompare or Comparethemarket in 2019. I entered the details correctly, chose Carole Nash and bought the policy. They then sent me policy documents which had the bike down as a Z550 instead. I got on the phone with them to correct the details on the documents. Then, after a year had passed and they quoted me for automatic renewal, I accepted their renewal quote. They sent me fresh documents with, again, "Z550" on them. I sent them a series of emails and they finally corrected it, again.
The takeaway point being that Carole Nash (like other insurers, probably) is just a flowchart system dependent on a computer to generate quotes and policy documents, and a call centre. They run on a shoestring budget and churn out a fortune for their shareholders. You don't want them to cancel a policy on you as this is a real black mark, so get back on the phone with them.

It's a real Kafkaesque nightmare, and it gets worse if you ever get involved in an accident. That's when you'll see the "well-oiled machine" in its true form. Just get on the phone with them and don't give up until they've sorted it out.

[mentalboy]

[GettinBetter]

[Copycat73]

ref:- "* A record of my driving history."

i can only assume they mean for you to use GOV.UK Verify to access your driving licence information and get a licence check code. If you haven't used GOV.UK Verify before, it will take you about 5 minutes to get set up.
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Whatever I post I have no citation and no intention of providing one..
caveat emptor

[MCN]

I 'think' you can register an account with Royal Mail.
When you have that you can check you driver licence history.
That also provides a code that you can give to a third party who can also check the same info on your driver licence.

It only allows a one-off access and only for a limited time.

You Royal Mail registration is yours and you always have access to that.

Don't kick-off with folk you are relying on for 'help'.

Wait until you get the help then you can decide if you wish to use their services in the future.

It's known as 'Cutting off one's nose to spite one's face'. (I have a few of those tee-shirts)
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Freddyfruitba...]

[GettinBetter]

[MarJay]

By Driving history maybe they are asking if you have experience on 'big' bikes? I had a similar thing with my GSX but I don't remember them calling it 'driving history' as such? It does sound like it could be the DVLA license record or something? it's very odd.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[mentalboy]

[MCN]

[MCN]

[GettinBetter]

[Pete.]

[BigTim]

[MCN]