SV650.org - SV650 & Gladius 650 Forum - View Single Post - Help needed re potentially sticky insurance issue

22-08-06, 04:12 PM

My other half got given a producer today, and so got on the phone to Carole Nash to chase up the insurance cover note, which they still hadn't sent after c. 3 weeks. However when he got through, they told him that they had no record of him taking out cover - thus leaving him uninsured.

As background - with the Gixxer off the road after an accident, he bought an XT660 to tide him over until the insurance guys had time to assess the damage, etc. He had called Carole Nash to add the XT to his existing Gixxer policy, they took payment and was told that he was covered for the new bike from that day. However apparently the payment was not processed (not for any reason that we can understand, i.e. there were funds available) and the policy was not set up. We received no notification to this effect, and Carole Nash are now denying that we even called them to take the cover out.

We're currently going through phone records to try and find evidence that a call was made to Carole Nash, and it's also been suggested that we try the bank to see if any attempt was made by them to put a payment through. But aside from that, we're totally dependent on Carole Nash to come up with evidence, and it isn't in their interests to find proof that they stuffed up!

The only alternative that I could see was that if the XT were in my name, his Gixxer policy (which is fully comp and includes third party cover on bikes owned by other people) would cover him. However now the insurers are saying that this cover only exists if the other bike is already insured by someone else. WTF? My policy has this too and I read the whole policy document (I know! saddo that I am...) and didn't see anything to this effect...

Anyway, does anyone have any ideas here? starting to get desperate!!

The only thing in our favour is that he has cover on his other bike and car, which shows that he isn't the sort of person to drive without insurance. So they might be more lenient, but I can't see a court letting him off without more proof. And beside WTF should he take points and a fine for Carole Nash's mistake??

22-08-06, 04:12 PM	#1
Fizzy Fish Guest Posts: n/a	Help needed re potentially sticky insurance issue My other half got given a producer today, and so got on the phone to Carole Nash to chase up the insurance cover note, which they still hadn't sent after c. 3 weeks. However when he got through, they told him that they had no record of him taking out cover - thus leaving him uninsured. As background - with the Gixxer off the road after an accident, he bought an XT660 to tide him over until the insurance guys had time to assess the damage, etc. He had called Carole Nash to add the XT to his existing Gixxer policy, they took payment and was told that he was covered for the new bike from that day. However apparently the payment was not processed (not for any reason that we can understand, i.e. there were funds available) and the policy was not set up. We received no notification to this effect, and Carole Nash are now denying that we even called them to take the cover out. We're currently going through phone records to try and find evidence that a call was made to Carole Nash, and it's also been suggested that we try the bank to see if any attempt was made by them to put a payment through. But aside from that, we're totally dependent on Carole Nash to come up with evidence, and it isn't in their interests to find proof that they stuffed up! The only alternative that I could see was that if the XT were in my name, his Gixxer policy (which is fully comp and includes third party cover on bikes owned by other people) would cover him. However now the insurers are saying that this cover only exists if the other bike is already insured by someone else. WTF? My policy has this too and I read the whole policy document (I know! saddo that I am...) and didn't see anything to this effect... Anyway, does anyone have any ideas here? starting to get desperate!! The only thing in our favour is that he has cover on his other bike and car, which shows that he isn't the sort of person to drive without insurance. So they might be more lenient, but I can't see a court letting him off without more proof. And beside WTF should he take points and a fine for Carole Nash's mistake??