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11-02-15, 12:26 PM | #1 |
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Continual insurance shock
Just had a letter threatening me with a fine as the bike is not insured. Of course it is.
Off to askmid. no it isn't. I go looking for certificate, all I can find is my renewal notification saying that if I do nothing it will automatically renew. So I know I am insured. Phone them....... Oh someone has gone into your file and cancelled it. We have no record of any cancellation notice so it must have been done in error. Can I assure you that if anything had happened we would have honored it. Yes like I trust a pit of rattlesnakes.... So just renewed over the phone.. surprise. it was 5 quid cheaper than the renewal notice. Who screwed up.....1066.
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11-02-15, 12:30 PM | #2 |
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Re: Continual insurance shock
It's you that wasn't insured, you would have got the fine & your vehicle impounded.
So I would say it's your fault, if you do not check. Assume all insurance company employees are incompetent and you can't be caught out.
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Formerly known as Gajjii Previous Bikes: Red Sk1 Curvy, Red MT-07. Current Bike: Black MT-09. |
11-02-15, 12:40 PM | #3 |
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Re: Continual insurance shock
Are you suggesting we as customers of insurance companies routinely phone up our insurers to confirm we're still insured, in the case of them accidentally un-insuring you?
Might you be referring to just in the case of renewing, confirming that your insurance did automatically renew for instance? IANAL but I don't believe the first would hold up in court, I'm unsure of the second. |
11-02-15, 12:46 PM | #4 |
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Re: Continual insurance shock
Tim,
I had the same a few years back. Had been cheerfully riding through the centre of London on an unisured bike for a couple of months before i found out via a letter from the MIB. Squeek. Jambo
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11-02-15, 01:17 PM | #5 |
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Re: Continual insurance shock
I had this with MCE, who took my money and then refused to insure me. It all ended with a very unhappy complaint to the Financial Servces Ombudsman, a letter to the director of MCE and a demand for a full refund that included the costs of phoning them so many times.
Before it was finally resolved I was told my MCE that the fault was not theirs, but mine for requesting a policy that did not exist. This debacle did through their actions leave me uninsured twice with in a month and their response to this was "well you were not caught, so what are you worried about?" I understand your pain Tim, I know how bad insurance companies can be. Riding with no insurance has such serious implications to honest legal riders like yourself. For a start it puts your insurance up! I have insured with CIA ever since my issues with MCE because they always provide a cheap quote, cover my modifications and do not try to rip me off more than insurance should. I have however had two accidents in the last four years and CIA have always been helpful and polite, which was good because neither of them were my fault. |
11-02-15, 01:52 PM | #6 |
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Re: Continual insurance shock
Actually, I thought this continual insurance requirement a bit of a naughty scam cooked up by the insurance companies to make money and in league with government who get their policy tax. There were many who would lay up bikes/ fun cars etc for the winter and as a result not require insurance.
I hurt my hand in November and at the moment choose not to ride as I am not confident that I can use the front brake. Therefore I have not been exposed to a riding without insurance risk. I am quite please that I got the letter, at least the lapse has been exposed and I am now covered.
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11-02-15, 02:15 PM | #7 |
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Re: Continual insurance shock
The problem with askMID is that it doesn't confirm whether you have a SORN in place - Just that there is not insurance. You then have to got to www.gov.uk/check-vehicle-tax to confirm if there is a SORN. Would be easier if it was all in the same place.
Also, I've just checked and one of mine is SORN'd with an expiry of May 2015... Since when did a SORN need renewing? Last I heard it was SORN'd until you taxed it again? |
11-02-15, 02:30 PM | #8 | |
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Re: Continual insurance shock
Quote:
Jambo
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