H+r insurance and restricted license Grrh

[k1ngy SV]

They now request one month into my insurance that i prove that my bike is restricted, thats going to set me back £55, £40 for the dyno, £15 for fuel to get it sorted... oh & miles added onto my already low allowance.

Like with police.. they have to prove it isnt restricted, you dont go getting charged for the dyno run, do you?
so why would i have to prove that its restricted and fork out when they didnt state when taking the policy out that i had to provide proof of restriction... & what does it prove... its a ecu, it takes 2 mins to swap :rolleyes:

(It is fitted & staying fitted till my restriction is up by the way people)

Iv asked insurance so far if they would accept the ecu code in bike signed off by a garage/& or/police officer stating its fitted.. they replyed - no, we want a dyno run as proof...as they can't say if its restricted or not.
surely suzuki' restricted 33bhp ecu's arnt faulty ayyy guys??

I just think this is abit over the top... im not rich being a young student & £5 is alot of money for myself nevermind £55 -- any idea's or help? if not its just another one of my ramble's enjoy :notworthy:
***dont really want ''oh just get a dyno'' because thats what im going to have to do anyway...***

[davepreston]

have you said your happy for them to get your bike dyno'd at their expence, as it was not stated at time of taking out the policy

[joshwalker094]

Can you not just get a restriction certificate? Did you not get one with ecu?

[sniff]

Sounds like guilty before being proven innocent. If they want it proven then they should be paying for it. Plus as above do you have a certificate to prove they fitted it??

[sv_rory]

again as has been said, you should of had a certificate of fitting.

I would say yes but at your expense, however they will probably just cancel your insurance, insurance companies can be ********s

[barwel1992]

you can get certs from ebay for £15

hell i will even nock you one up using an old fi international one i happen to have kicking round

[k1ngy SV]

you can get certs from ebay for £15

hell i will even nock you one up using an old fi international one i happen to have kicking round

nah its aright thanks, i got the ecu & fitted it myself as the job is 2mins like i said im a student, aha & iv also explained that i didnt get told about this before in the policey when i purchased the insurance & too right i shouldnt have to prove myself innocent at my express :smt095

What can i do ? :S they are con artists :smt001

[BoltonSte]

Can you not just send them a photo with the ECU in place showing the part number?...assuming that there is one visible. Surely, in the event of a claim they aren't gong to dyno it...the engineer is just going to check the correct ecu is there.

Do they specify the means of proof, or just ask for 'proof it is restricted'

I'm not restricted, but this is something that keeps coming up and everyones response seems to be...tell them to get stuffed or get it dyno'd...is the photo route a viable option?

If I say my bike is blue, they say it's black, I don't need to take it to a colour chemist and pay them to wright a note, I'd just send them a photo with something dated on it in shot (say a newspaper)

[mep]

They are asking for far too much. Blow them out and change companies. If this was not asked for at time of taking insurance out then they are at fault and they can cancel the policy with no financial penalty to you.

Most companies IME are not bothered about asking for or proving your bike is restricted. Your licence restricts you and they know this when you give them your details.

[k1ngy SV]

have you said your happy for them to get your bike dyno'd at their expence, as it was not stated at time of taking out the policy
yes, i explained that to them.. i said it was fine if they wanted to send somebody over and check the bike over and get it dyno'd at there expense.

Can you not just send them a photo with the ECU in place showing the part number?...assuming that there is one visible. Surely, in the event of a claim they aren't gong to dyno it...the engineer is just going to check the correct ecu is there.

If I say my bike is blue, they say it's black, I don't need to take it to a colour chemist and pay them to wright a note, I'd just send them a photo with something dated on it in shot (say a newspaper)
I told them i would get a garage to write down the ecu number and sign it saying its in there & i would also ask a police officer to conform the ecu numbers. & i know what you mean, the insurance are just going :offtopic:
:smt096

They are asking for far too much. Blow them out and change companies. If this was not asked for at time of taking insurance out then they are at fault and they can cancel the policy with no financial penalty to you.
I know adding on expense after already paying the premium upfront, yeah they have told me they are going to cancel it if i dont get them a dyno result sheet of proof of restriction within so many days. have to deal with it then..:smt021

or i could become a :smt032 xD

[Dave20046]

yes, i explained that to them.. i said it was fine if they wanted to send somebody over and check the bike over and get it dyno'd at there expense.


And what did they say?
What was said at the time of buying insurance?

I'm surprised I've found H&R to be one of the most straightforward/'friendly' insurers I've used.
When I was restricted everytime I got a quote, I'd ask whether it mattered if I was on a restricted licence or not, if I remember rightly some were funny , others weren't. One said they only need to see proof in the event of a claim, I asked if an invoice from the garage that fitted it would suffice and they said yes.

Whether you're going to lose out or not is usually determined on what was agreed when you bought the policy. If you bought online, it should say in the small print , if you bought on the phone they should have explained it or you could try to claim (well you were really IMO) mis-sold the policy and go for a full refund. However, insurance companies are ****s so really you need to cover your own back by asking when buying

[Dave20046]

They are asking for far too much. Blow them out and change companies. If this was not asked for at time of taking insurance out then they are at fault and they can cancel the policy with no financial penalty to you.

Most companies IME are not bothered about asking for or proving your bike is restricted. Your licence restricts you and they know this when you give them your details.

Bet they still extort him for 'admin fees' despite the fact they will have never allowed him to use the product (insurance) he bought from them and they mis-sold it him.


....if they're anything like other insurers.

[k1ngy SV]

And what did they say?
What was said at the time of buying insurance?

I'm surprised I've found H&R to be one of the most straightforward/'friendly' insurers I've used.
When I was restricted everytime I got a quote, I'd ask whether it mattered if I was on a restricted licence or not, if I remember rightly some were funny , others weren't. One said they only need to see proof in the event of a claim, I asked if an invoice from the garage that fitted it would suffice and they said yes.

Whether you're going to lose out or not is usually determined on what was agreed when you bought the policy. If you bought online, it should say in the small print , if you bought on the phone they should have explained it or you could try to claim (well you were really IMO) mis-sold the policy and go for a full refund. However, insurance companies are ****s so really you need to cover your own back by asking when buying

Bet they still extort him for 'admin fees' despite the fact they will have never allowed him to use the product (insurance) he bought from them and they mis-sold it him.


....if they're anything like other insurers.

My dad does all the work for insurance etc finding best price bla bla etc & has done for many years and never had anything this silly happen before, they even got my age wrong :smt021 when policy was bought online/also on phone. Rawrr... its annoying as iv been trying to comply with law and everything, but they make it so hard to do everything :smt117 & if i had got stopped i wouldn't of had insurance :crutches:.. also when we rang up they demanded the dyno sheet, they stated that * on a ninja 250rr i wouldnt need any proof of restriction as thats whats the bikes made for, however they dont trust suzuki's ecu's when there made to do there job..:smt096*

They sent me the letter stating it was going to be cancled if i dont send them a dyno, but guess what ??? i get to keep my breakdown cover and my otheir cover(forgot which haha) which is useless so therefore that's been mis'sold as i cant use it also..

[Dave20046]

My dad does all the work for insurance etc finding best price bla bla etc & has done for many years and never had anything this silly happen before, they even got my age wrong :smt021 when policy was bought online/also on phone. Rawrr... its annoying as iv been trying to comply with law and everything, but they make it so hard to do everything :smt117 & if i had got stopped i wouldn't of had insurance :crutches:.. also when we rang up they demanded the dyno sheet, they stated that * on a ninja 250rr i wouldnt need any proof of restriction as thats whats the bikes made for, however they dont trust suzuki's ecu's when there made to do there job..:smt096*

They sent me the letter stating it was going to be cancled if i dont send them a dyno, but guess what ??? i get to keep my breakdown cover and my otheir cover(forgot which haha) which is useless so therefore that's been mis'sold as i cant use it also..
You're just going to have to dispute it then.
Maybe ring up/get someone else to ring up for a fake quote and enquire craftily about restriction - see what they'd say to a potential new customer , see if you can catch them out.

Not sure I'd let anyone else by insurance for me, it's your licence at the end of the day and if they **** it up it's you that suffers/your fault.
It's great on traffic cops when the mardy chav kids have their uninsured vehicles taken off them because mum forgot to pay the premium.

[Mako]

Make a formal complaint and state that you will approach the Financial Ombudsman service if they fail to acknowledge that they did not state that the dyno was required at the point of sale and foot the expense of the dyno if they wish to pursue it.

The FOS charge the insurance company 500 quid for every complaint they have to investigate - regardless of whether or not that complaint is upheld in your favour or theirs. They can appeal for their money back in some circumstances, but they have to pay up front first. You might find this makes them more amicable.