URGENT Insurance Question
 

All,

As some may know, we got rid of Lily's bike, as a result, we have decided to see about adding Lily to my policy so she can ride in the summer or do part of the AR etc.

Having spoken to Express who in turn has spoken to the underwriter. The underwriters are saying that as they know I am on a full licence and Lily is on a restricted, they are not willing to allow us to use the bike and simply swap the ECU over as and when.

So I then said, fine I will restrict it all the time. The underwriter has then said they wouldn't allow us to restrict via ECU as they know we could easily swap, but said and I quote!!! "You must restrict using full dealer installed FI International kit with certificate which must be carried out prior to us accepting any policy changes".

Can anyone think of anyway around this? I do not want to pay for a rubbish restriction when we already have the standard 33bhp ECU in our garage.

Financially, to add Lily will cost an additional £36.30 on the insurance (as I am also dropping from fully comp to TPFT aswell as wanting to add Lily). The cost to restrict is what??? £150 plus?

However, stick as is with changes to TPFT etc then I get back £76.13......

This is really annoying as I want Lily to get practice over the summer using my bike ready for buying her a bike next year.

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only thing i can think of is a seperate policy

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find a different insurance company ? that sounds fricken ridiculous...

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Can't do different insurer as I am only half way through my policy, will cost too much to cancel.

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how about lily getting her own ins.

although that wont be as cheap

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I'm not even sure if it's legal to have the same bike insured twice by different policies as what happens if it gets stolen? Which comany would be liable? Tricky.

Thats a tough one mate. You may end up having to go down the garrage route. Could you take it to someone you know who could sort you out a certificate without the full cost (as you already have the ECU!!!)

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Whichever one you choose to claim from. It's perfectly legal to double-insure something, you just can't claim from both policies. Or you can claim a portion from each.

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pay for the F1 restriction & Cert... Rip out the restrictors and use the ECU restriction.. In the event of a clain it wouldn't be a problem as the bike is retricted and Lily will be riding in accordance with her certificate. I cannot see how they can insist on the F1 kit....

or sack them and add her on a new policy

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can be difficult as it can be a conflicti0on of interests or it looks like potential fraud. Plu sits quite usual you have to be the registered keeper to insure it.

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Don't think you can insure one vehicle with two policies, even if they are in different names. I may be mistaken however.

I can see the insurers point of view; irrespective of what you will actually do, what would be the first thing you would think if someone told you that they intended swapping the ECU everytime you swapped rider. Doesn't make it any less infuriating though.

Without knowing your personal circumstances, or why you sold Lily's bike so quickly after her gettting it, would an alternative not be to get her another bike now, just a hack to run around on that is only worth a few hundered quid? Would mean she could get experience, build her own no claims and would save the risk of her dropping your bike when only covered TPFT.

If not, I'd be inclined to go back to Express and ask them why they won't accept your restricted ECU when the law will. If they still decline I'd cancel the policy and go elsewhere if you can find something that meets your needs, as Fizz suggested. Yes, you may lose out by cancelling the policy, but how much are all these amendments going to cost anyway?

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Potential, sure, but potential fraud and fraud are not the same thing. I was discussing something similar (double life insurance) with a mate who's a barrister working in insurance the other day.

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The amendments are only going to cost £36.30 as the insurance is being dropped down to TPFT anyway. I am dropping the insurance down regardless as I wont be commuting on the bike anymore.

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Is there any reason Lily couldn't take a Direct Access test so she doesn't need to be restricted? I presume she has already passed her A2 test so surely the full test wouldn't be too much of an issue for her?

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Tricky... any chance you could find a few hundred quid and get lily a bike of her own again...

I bet you could pick up a cheap curvy SV for not much cash at the moment. Still spending out money though I guess which is what you're trying to avoid.

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Cheers for the words guys, but just had a long chat with Lily.......

Financially we can't really afford to do much at the moment, due to our wedding coming up. Hence the reason for selling her bike so soon on the first place.

Therefore Lily has agreed (although she is not happy) that we will carry out the changes with just me on the policy and will keep our eyes open for a 125 towards the end of the year which she could use up till her restricted licence ends, will then look at getting her unrestricted bike of her choice next summer.


Its a sad day as we didn't envisage this problem. I am seriously cheesed off and want to bash the insurance companies heads!!!! :(

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Drew- Its a lose/ lose situation

I don't want you to have to ride a rescrited bike! And that is what the insurance company is looking for!

Drop it down, change the address etc, have the rebate!

You know my views on the SV and what i don't like about it and what i do........ and you also know what bike I want!

Only got 18 months left! ;)

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One other option...... have a cheaper wedding! ;) I guess Lily wouldn't thank me for that suggestion though. ;):p

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I know, just wanted you to have the chance to enjoy this summer and take a more active part in the AR.

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I want to run away where no one can find us and have the wedding. But parents (both set's) wouldn't thank you for that suggestion! :rolleyes:

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Go on tell us what you want.

Drew - what about just letting your policy run and then finding another insurance company once renewal time comes up.

I dont see how the FI Internal kit makes any difference, its still removable so you could in theory still swap that on and off, just takes a bit longer.

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+5,000,000 - As soon as my renewal is due in September I will be change insurers and will go elsewhere where people aren't so stupid. Then over the spring next year Lily can use my bike as much as she wants to get practice ready for the end of her restriction during next summer.

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Just thinking about it, on a pointy isn't the ECU change the official Suzuki method of restriction? As Express are the providers of Suzuki's insurance scheme, you thought they'd have accepted that as a suitable method!

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But who is it getting married? You, or your parents? :rolleyes:

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Its not express with the issue though, they are only the agent, its Equity Red Star the underwriter who are the ones causing the agro.

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Please don't start............. me and drew have driven ourselves crazy about parents! :rolleyes:

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I don't think it would be worth the time and the effort arguing the toss with them to be honest Drew, but it might be worth just mentioning that you will be complaining to Suzuki that after you spent £XXX on their official restricted ECU so Lily could ride the bike, "Suzuki Insurance" wouldn't accept it as a valid method of restriction!

I accept there are other issues involved, but Suzuki might not see it that way if their partner is refusing to insure their customer's bikes for such a reason and Express might realise that too...

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One reason that me & my gf have no plans to marry...... not that I'd envisage any issues with parents as they'd happily just let us do what we wanted without any interfering. :)

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A GSXR600 in black

One of the only bikes i could get me feet flat on the floor on and also not a Vtwin.

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Very nice. Ah turning to the dark side. Look better in a nice blue and white toothpaste colour scheme though ;)

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not even me:(


it looks as if there not much you can do,

if i was you i would get a cheap 125 in the next few months.

dont be sad:smt008

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I agree with your reasoning, but to be honest, financially, we are happier just to be unhappy for the time being. lol

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I wonder why you say that! ;)

I'm not Hovis......... just P'd off really! :mad:

It blow's goats!

You make me laugh with some of the things you say!

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Thats the worst excuse I've ever heard to get a GSXR600! :)

Its a lovely bike but I doubt that excuse would wash with my mrs.

You'll be telling us that we (sorry, I mean 'you') are saving a fortune because it was discounted in the sales next ;-)

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How about it also match's my black leather's and my very pretty Arai?! :p

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I know of a perfect bike just for you Lil

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Tis true though, Lily sat on every bike, and I mean every bike at the NEC. The only ones she really felt comfortable on (yes we know she would need to test ride them......so I will no doubt get a test ride for a day...Woo Hoo) were the GSXR600 and the CBR600RR.

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what?

:rolleyes: such a hard life..... and a difficult choice lol

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i have a cunning plan


as you live together, and already have a toaster, microwave towels etc etc

why not ask for money for your wedding presants to fund a bike for lily

i know.................im a genius:smt115


[cough HONDA cough/]

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Considering most of both of our family's hate the fact we LOVE LOVE LOVE LOVE riding a motorbike, I see that we may get many requests along the lines of, "Can I buy you some towels?"