Moved, address not changed on policy, bike stolen :(

Hi guys,

Last friday my beautiful SV 650 (2007 reg) was stolen from in front of my house.

I moved recently (month and a bit ago) and have forgot to change the address on the policy. I know it's stupid, but this was my first bike, my first insurance (with ebike insurance)... I only have this to say for myself

Anyway, I've reported the bike as stolen and realized the address wasn't changed on the policy when I was looking at it for phone numbers.

The address change was within a mile, same post code, pretty sure safer neighbourhood based on statistics.

Due to bank holidays I'm only going to be called by the insurance today only. Do you think they will try to screw me over regarding the change of address and if they do - do I have a leg to stand on?

I do not have the contract text in front of me so not sure which clause I might have broken, but logically thinking (and I know that logic might get me nowhere) the change of address is important to ensure that the price charged by the insurance company reflects the risks of the area.

I am not keen on lying that I was visiting a friend and want to say it all as it is. Waiting for that call from them today, but I thought I'll ask the smart people on this forum for advice.

Thanks

[the_lone_wolf]

Someone on here moved back in with their parents recently and didn't get round to notifying their insurers, as far as I know they refused to pay out, but that might have involved changing the storage clause from garaged to driveway parking...

I'd be honest, a month is bordering on a reasonable time for sorting out paperwork IMO and if it was stored in the same manner (garaged / on street etc) in the same postcode I would hope they'd be reasonable, even if you had to go beyond the normal call centre monkeys to get it done...

[timwilky]

whoops, prepare for a battle.

http://forums.sv650.org/showthread.php?t=124727

I don't think you will be insured as the policy will state a change in circumstances must be diclosed immediatley, and the policy may have gone up in price regardless of what any website says about the location, they will screw you if they can.

Also did you take the correct measures to secure the bike? I.E any security devices you stated on policy did you use them if not your not insured this includes garages.

If I insure my bike at my house ungaraged it's £96 p/y TPFT if I insure at my mums house garage it's £150+ both MK6.

Sorry

Thanks for the information and the links guys. The only good thing about my situation compared to those others described is that I've stated that I'm keeping my bike on the street and I kept it in the street at the new address.

Other than that - I understand I'm in for a one nasty 'battle' with the insurance company. One thing I know for certain - i'm not going to be lazy complaining to insurance ombudsman should things go sour.

P.S. any of you know a solicitor that had any similar cases? )

Regards,
G

[hindle8907]

tbh i would just say it was at a friends house ...otherwise you may find yourself without a payout.

[hindle8907]

and ask them can they send all correspondence to a diffrent addres (family member or friend) becuase you have to go live with them as they are ill .

If it was on the street why not tell the insurers that it was stolen from...
about halfway down xxxxx street.

Pop round your old address and tell them that you are having probs with insurance and there may be mail from them coming to the old address.

Then...... get it put right ASAP

Originally Posted by hindle8907

tbh i would just say it was at a friends house ...otherwise you may find yourself without a payout.

Originally Posted by hindle8907

and ask them can they send all correspondence to a diffrent addres (family member or friend) becuase you have to go live with them as they are ill .

Yes, I imagine they would fall for that.

Get caught de-frauding an insurance company and you're in a different world of pain.