Not Happy....
 

Me and the misses are moving out of our apartment this sunday, back into her parents for a year while we save a deposit for our own house,

I just called my Insurance to change the address, im only moving round the corner literally around the corner,the bike is in a secure garage at the moment and but at the new address it will be on private property but not garaged,

I have got 3 months left on the policy and they have just told me that they cant cover me third party fire and theft at this new address and will only cover me third party !!!

the only over option I have is to end the agreement early and get a new quote.

I Paid in full and they said I wont be entitled to any money back !!

the insurers are Express ...... I Dont know what to do !!

as I can't afford to start up a new policy yet but I want my bike covered for theft .

not at all happy. :compcrash:

Re: Not Happy....
 

weigh up the risks...

how much will you loose.. how much is the new policy how much is the bike worth..

have you got a friend with a garage?

Re: Not Happy....
 

I use the bike everyday for work so that isn't an option.

i Paid 900 for the year TPFT ... so its a fair bit i will loose .

Re: Not Happy....
 

Bloody hell mate, which bit of Salford? £900 TPFT WOW.

What the chance of you being able to fit a ground/wall anchor at your parents house?

3 months to get your year no claim, you need to think about it, for example.

What kind of house is it?
Can you get the bike around the back?
Can you fit the ground/wall anchor?
Can you block the drive/path/guinnel going arount to the back of the house.



Because if for example it's the type of attached house with a guinnel between the two and you can fit your bike down it then can you block/lock the gate going in to your garden at the back?
If it's a semi how do you get around the back, is there a little walkway going around the side of the house or a full width drive? Can you block this passage with a car and would it be always be blocked at night?

How safe would you feel about it being there?

I'm with you mate about the theft part, I've never had anything other than fully comp for the 'just in case' cover..


Good luck

Re: Not Happy....
 

Ring back and ask if they'd like your custom next year.
Chances are you can take the drop to TP for 3months and nothing'll go wrong (chain it up well!) but it's still not right :(

Re: Not Happy....
 

I have to keep my bike around my back garden, and have to get it in via an entry and gate, so i told the insurance company, and follow, put a disk lock on, chain (ground anchor of possible) and explained that the gate and entry was secure, and it worked out about £50 more than havin it garaged.
But this is a bit ridiculus IMO. I hope you get it sorted ASAP and it dont cost you to much.

Re: Not Happy....
 

Swinton mate, yeah it was £867 FPTF at 20 years old with one claim for total loss (theft) and an SP30 (3 points).

Its a semi, there is side gate where the bike will go into the back garden and the car will block the exit.
I got an Almax chain and I will fit a ground anchor it pretty much theft proof at parents but at work its an open car park and I can't see the bike from my office.
which I don't feel comfortable about at the moment never mind having no insurance.
I only have a disk lock alarm for work as there is nothing to chain it too.
:|

Re: Not Happy....
 

How expensive are those bike sheds?

Re: Not Happy....
 

Quite a lot I think at $600 easy.

I would call them back and ask to the the on duty manager in that case, also if no joy try the insurance ombusman worth a shot.

Swinton isn't that rough is it, I don't remember it being that bad, is it not a reasonable distance from Salford its self? The town centre used to be delightful.

Re: Not Happy....
 

Nah its not well not the part ill be living there is rough parts but they are fair distance away from them, clifton is a bit rough but thats a good mile or so down the road., the area I'm moving too is a real nice part of swinton its basicly border line Swinton/Worsley.

Re: Not Happy....
 

Express gave me loads of different charges when changing bikes, they even wanted to charge me for changing details which they had got wrong in the first place.

Re: Not Happy....
 

i wouldn't even mind a 50quid charge ... but to say i have to take out a new policy or go without theft protection is crazy.

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Tell them it is Worlsey, then again they put up the premium as they will think you can afford it.

Re: Not Happy....
 

£900 ?? Sheet the bed !!!!

Blimey ... no wonder you're moving home to save some money ....

Re: Not Happy....
 

so far i have been on hold 4h30mins with express insurance and all i wanted to tell them was that i want to cancel my insurance, no refund, just cancel.

I have now given up trying to cancel.

earlier in the year i changed form a curvey 2002 sv to a 2005 sv. The policy cost £270. And to change to the 2005 sv they wanted an extra £310 for the last 4 month.

I tried to explain that that was ridiculas but insurance companies dont do things logically.

Re: Not Happy....
 

Take out a new policy on your bike and explain to them that your current insurance wont cover you due to their restrictions.

Once your no claims come through from your current policy, call the insurer and get them to adjust your policy.

Done.

We had to do this with the freelander when I gave it to Jenn.
She had a month on her policy and they wouldn't cover her on the new car.
Once the existing policy ran out we just called and added her NCB and they adjusted it to suit.

Re: Not Happy....
 

If you are gonna ring round for quotes etc, try Adrian Flux. Ive had my modern car insured with them for years and had my bike with them too when I had one. Phoned up today for a quote on an SV, 110 TPFT, or 150 Fully Comp :) Although I do live in a very safe area and the bike will be garaged.

Oh, and the service is good too, took me about 2 mins to get through on the phone.

Re: Not Happy....
 

cant you get monthly insurance, will cost you but better than nothing

Ebike

Re: Not Happy....
 

I was in a similar predicament recently, paid in full but weren't willing to switch the last 3 months of cover over to new bike, except I'd also have to pay a cancellation fee As WELL as losing the 1 years ncb's. Tossers

Re: Not Happy....
 

Its a regular scam with insurers this.They wont allow chages to existing policies like change of bike,or address,or anything else without either cancelling the policy(little or no rebate),or charging a ludicrous extra amount for the change.You then lose the no claims you would have got if the policy had run for the full year,because you have to take out a brand new policy before the old one was up.
In this case I would keep your existing policy for the three months left,and buy a big hefty chain for when you leave it at work.You can usually find something solid to chain it to if you look around.Then when you renew the policy go somewhere else and tell them why you wont be back.

Re: Not Happy....
 

Just let the policy run out, and buy insurance per month from ebike or someone. once the 3 months have elasped collect your years no claims and buy a new full policy.
Personally i wouldn't change address and just leave the policy at your old address. Or you could try insuring it at your parents house. Then if the worst happens at your other halfs you could say you where visiting!!! Worth a try.
Steve

Re: Not Happy....
 

I thought you could not have more than 1 policy on 1 bike at anytime. I am likely wrong but seeing how insurance companies work together and share info it might be a way out of paying up if I am right.

Re: Not Happy....
 

TC3 your right but i'd take the chance. Done something similar before when i upgraded cars. My current company wouldn't insure an 18 year old on an XR3i from a 1.1l Fiesta. I had 4 months to run on Fiesta policy so i didn't cancel it and then collected my 3 years ncb. bit naughty but it saved me in the long run

Re: Not Happy....
 

i have gone third party only :( for a 26 days then they said they can do me a renewal early.
Its safe as houses at night its just at work through the day i don't like. things crossed everything is ok.
i cannot afford to buy monthly insurance i just don't have the cash . .

Re: Not Happy....
 

In case you reconsider the temp insurance, there's no problem with having more than 1 policy on 1 bike. Dual insurance happens all the time for lots of different reasons - there's no insurance principle against it even if lots of people (including plenty of insurance bods) will tell you otherwise. Sadly most of the insurance companies don't make their employees sit exams anymore.

What you can't do is make multiple claims for the full amount of the loss - that's fraud.

Re: Not Happy....
 

Is there not such a thing as fire and theft only insurance? This could be a problem if it is at work and gets pinched though. If it were me I'd just chain it to a lamp-post and cross me fingers, then tell your insurer to cram it at renewal time.

Re: Not Happy....
 

I currently have 3 policys going and i only own 1 bike as i have changed my bike every 3 months and payed up front each time, About £150 for the year for each bike. The admin Fee+ cancelation Fee +phone call Fee+ hassel outway just letting them run for the last 6 months ext....

And the fact i cant get through when i have tried to cancel a policy

Re: Not Happy....
 

£900? Jebus. My missus may wish I was 20 again, but I don't. Fingers crossed no tea leafs sneaking around your parent's gaff.

Used to deal with MCE, Adrian Flux and Express in my last job (debt collection, groan). Per previous post, would perhaps try Adrian Flux at renewal time, they are well geared up for specialist insurance and seemed really professional. Used them for my old Jeep and they were the cheapest out there. MCE were a pain in the **** to deal with from a business point of view, but I am with them currently as were best deal for me. Express were OK to deal with, but always seemed a little bit gormless.

Anyway, the moral is shop around, insurers and brokers change with the wind each year, what risks they want to take, whether they are willing to try and buy buisiness to boost customer numbers etc. Good luck with it. MCN website has a comparative insurance facility if you have not already scoped it out.

With reference to the multiple concurrent policy stuff, just watch the T&C's. If you have a get off, you really don't want to spend years having two insurance companies arguing over who actually insured you at the time. And believe me, if they think they can argue, they f*cking will.