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02-02-18, 09:32 PM | #1 | |
Evel Knievel
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Join Date: Jun 2007
Location: Eastleigh
Posts: 4,641
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Insurance question and hello
hello I have a question and this is one of the only sensible places to ask
I've bought a new bike and this evening I tried to add it to my existing multibike policy with Bennetts. I was put on hold and then informed that my current policy underwriter won't cover the new bike in a timber garage and that my current bikes aren't covered either as they're declared as being kept in a brick garage. It's not a shed but a purpose built timber workshop and at no point have I stated that it was brick built over the number of years since I built it. After hanging up I read through all of my documents and nowhere does it say that the garage is brick built, nothing in the small print, the bennetts policy booklet just states it has to be a lockable building and doing another quote through the website just states "garaged" (which is how I took the policy out), nothing dictates what the building has to be constructed of and the definition of a garage according to the Cambridge dictionary is that a garage is as follows; Quote:
They then informed me that it would depend on what the terms and conditions were of the policy underwriter at the time of taking out the policy as they change all the time depending on crime statistics. I then informed then that they didn't send me the terms and conditions and i've never seen them so how would I know what they were let alone had chance to read them, I was told to call back in the morning. How the hell can they do any of this, If they only insure in garages of certain construction then surely this must be made aware to you? The workshop is steel meshed and double skinned, the doors are tripple locked and steel plated and the whole thing is alarmed on the doors, windows and has motion detection, the bikes are chained plus I have a rottweiler. Its probably a damn sight more secure than your average "garage" plus its contents is covered on my home insurance. None of this is because it's a bad area, I don't see why it should be easy if they tried it. Also whilst reading the small print my bikes are only covered from theft in my "garage" between the hours of 10pm and 6am Last edited by Wideboy; 02-02-18 at 09:35 PM. |
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02-02-18, 09:49 PM | #2 |
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Join Date: Mar 2013
Location: At home
Posts: 756
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Re: Insurance question and hello
Sorry, no idea. But damn that's ****e. Not unexpected, but ****e.
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02-02-18, 09:52 PM | #3 |
Member
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Join Date: Jul 2006
Location: Dundee
Posts: 4,407
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Re: Insurance question and hello
Insure it as parked on the driveway. No time restraints or get out clauses for them that way.
Welcome back btw |
02-02-18, 10:09 PM | #4 |
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Join Date: May 2017
Location: Northern Ireland
Posts: 511
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Re: Insurance question and hello
They sound like a right shower of sheet
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03-02-18, 09:55 AM | #5 |
Evel Knievel
Mega Poster
Join Date: Jun 2007
Location: Eastleigh
Posts: 4,641
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Re: Insurance question and hello
parked on the driveway pretty much doubles my premium.
It's legalised robbery. They're quick to shaft you in the slightest error but it doesn't seem to matter when its the other way around. |
03-02-18, 05:21 PM | #6 |
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Join Date: Jun 2005
Location: High Wycombe, where the chair factories used to be
Posts: 1,459
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Re: Insurance question and hello
As Darren says, welcome back.
Sounds like a complaint to the Ombudsman is in order if they keep this up. The cover only extending between certain hours also seems unfair, especially as the hours not covered are the ones when most of us are out at work.
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03-02-18, 07:18 PM | #7 |
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Join Date: Jul 2003
Location: Hertfordshire
Posts: 1,422
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Re: Insurance question and hello
On the hours thing does it actually mean that the bike has to be in the garage overnight if it's at home?
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03-02-18, 09:53 PM | #8 |
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Join Date: Apr 2005
Location: Sunny Swindon
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Re: Insurance question and hello
Call them back, get them to send you the terms and conditions along with acknowledging that they have not sent them previously. If the T&C's say it must be a brick built garage then it would look that you are not covered. And at that point I would ask for a full refund of the premium and any previous premiums that you have had with them as though you disclosed all material facts they did not and in my opinion (which is frankly worthless) you have been miss sold. They will obviously refuse so you then have to take them to the ombudsman. Good luck.
The theft coverage between certain hours is just to ensure that you lock the bikes up in the garage when you go to bed. Or at least thats how I interpret that as I've seen that on all the policies I've had. Oh and, hello stranger. |
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