You Are All Being Scamed And Do Not Realise!!!

And so it has always been, nothing new there unfortunately.

 

if you paid extra to cover your excess i don't understand why you havn't received this back,do you have all the relevent paperwork, i would not renew with them ..name and shame them

 

This is an area of insurance many folk are ignorant about.

There are all sorts of questions arising starting with apportionment of blame. If it was established as the old dear’s fault (either by admission (which you are told not to do) or by conviction) you should be claiming on HER insurance, not yours. Many (most?!) insurers reduce their costs by knock for knock which means no arguing. However your uninsured loss - your policy excess - can be claimed from her insurance.....provided you have established her liability.

It seems your insurance has paid for your repairs, you have had a prompt repair but you have maybe not claimed the excess in the time limit specified in the small print.

The bottom line is that speedy repair is often the enemy of a steady finger of blame that gets the innocent fully recompensed. The insurers just want to minimise costs while meeting contractual liabilities......and they aren’t quite what most folk think they are. Always establish blame if you can. Even if there is no court case there is usually a police accident report you can buy.....if they even attended.

Finally, if you get insurance through a broker they are YOUR agent not the insurance company’s. Whatever they promise you does not bind the insurer. Great innit?

https://www.money.co.uk/excess-insurance/how-to-claim-on-your-excess-insurance.htm

 

I think to a degree you pay peanuts... MCE for example quote 100 / year where others may quote 200 and be a better company. Always risky business though making insurance claims and there is all this hire bikes and accident management stuff to deal with, all geared to making someone else money out of your own misfortune . I am with LV and do belive that they are a decent company. They were very reasonable with refunding my 2nd policy when I canceled last year.

 

So you took out extra insurance to cover your excess. Did you make a claim on that or not ?

 

If you pay to have your no-claims protected, that not claims will still be protected in the event of a claim. So if you had 7 years, you will still have 7 years after claim with the discount you are entitled to.

However, you have also had a claim, and that needs to be declared for 5 years I think. And statiscally, someone who claims will most likely need to claim again. So your base premium (before no claims) will still go up come renewal.

And of course, there is the mumbo-jumbo computer magic 8-ball plucked out the sky figure that they come up to pass onto you as well.

 

Go to small claims court pretty sure you will win if all as is stated, if thats the case loser pays your costs, to be honest you'll be lucky if they even turn up to defend this if that's the case you win anyway case is heard no defence so usually found in your favour and your awarded costs(if asked for)

 

I am also insured with the "well known bike insurance company" and they are b*ggering me around. Similar incident - myopic old lady turn right over my path. apparently it was my fault according to her "witness". Insurance company won't pursue it, so I am losing out. The idea about small claims court seems good. I assume her witness would then have to make the same statement to a court.

 

If you want them there in person to cross examine, and you lose, you could be pushing up the cost. Sometimes the Highway Code is your friend - especially if you were on the priority road - plus photos of then scene itself and lines of sigh of each driver. B&W on A4 print is good enough.

 

ok - thanks for that. I've done all the line of sight/phots thing, but insurance company (loss adjusters) won't pursue due to the witness. To be honest, I'm sick of the whole thing and just want to move on. However, I am aggrieved at losing no NCB and the premium increasing. I'm probably old enough just to suck it up and move on.

 

I had a cracker bewiser insurance an 1999 zrx1100 and an 2000 yzfr1,paid upfront had to sent pics of both logbooks all pages and my licence,then they charged me extra fees because I had a zzr1400 NOT and wrong reg WTF ,DOH I sent pics via email and they still got reg and model wrong,I paid because if they cancelled it that can cause major probs even though not my fault,ever been asked have you had internet insurance cancelled or refused it’s jus not worth the hassle sorry rant over.