May have to say GOOD BYE

[Kamsin]

I have just been told by my insurance company that my policy for the tuck could be void tomorrow, due to me getting knocked off my motorbike in a hit and run and not telling them. I may be able to keep it if they decide to just increse the premium but i wont find out till tomorrow.

So the fact i have over 10 years no claims with them on my BMW and they mirrored the policy, the one i had on the bike will over rule them. :(

No wonder people dont bother to insure stuff!

Will keep you posted.

[jace]

mate of mines just had a simlair thing happen,theyve voided his no claims as he isnt the risk they insured for all those yrs its jumped from £300 to £1200

[11redrex]

If you didn't tell them, how do they know ?

[extreme-4x4]

so why would that effect you being here ?
who is your policy with,
national farmers union do a very nice introductory offer

[extreme-4x4]

60% i beleive my ex just got .... kin bitch

[Deleted account DD]

If you didn't tell them, how do they know ?

All the insurance companies exchange details, they tell you that at all stages.

Even if one company withdraws cover there should be another willing to take you on.

[jace]

im using lionheart trade ins with qbe being the underwriters seem very cheap but slow to update the mid which caused a few headaches

[tezzer]

All the insurance companies exchange details, they tell you that at all stages.

Even if one company withdraws cover there should be another willing to take you on.

so if they withdraw his policy does that mean they have refused to insure him??, i hope not, i've heard that it can be very difficult to get insurance, how does he stand dave.??:nenau

[extreme-4x4]

you dont tell them

[Adz]

you dont tell them

It will show :doh

[Deleted account DD]

so if they withdraw his policy does that mean they have refused to insure him??, i hope not, i've heard that it can be very difficult to get insurance, how does he stand dave.??:nenau

Somone from the Insurance industry will give a better fuller answer but as it stands for use on the road f you like he is uninsured from the time and date they state.

When you go for new cover one of the questions you will be asked is "have you ever had cover withdrawn or refused"

Some companies (Im told) have a carte blanche "sorry we're not interested in you if the answers yes" stance.

Others will give you a chance to state your case and then decide on the risk to them in insuring you.

If you dont tell them the full story and they later find out you could be prosecuted for deception. One form of that is pecuniary advantage, ie you gained the policy under better terms than you otherwise would have :thumb2

[extreme-4x4]

i musta had 10 policies cancelled cos i didnt pay em or missed a dd
obviously when times were much harder

its not that they have refused to insure. its cover is withdrawn so no need to tell them .

refused to insure is the question asked.... and thats for disabilities (could even be short term)/ bad behaviour drink driving, drugs and so on .

the fact he no longer wants it because he wont pay the increased premium ( and thats all this will be ) is between him and his soon to be ex insurer

[Deleted account DD]

It will show :doh


It almost certainly will.

The amount of cross checking and fraud detection that goes on now is massive. The days of insurance being based on an honest gentlemans agreement have long gone.

[Adz]

It almost certainly will.

The amount of cross checking and fraud detection that goes on now is massive. The days of insurance being based on an honest gentlemans agreement have long gone.



You would know more than me obviously but with modern technology the DVLA / Insurance & Police are all like Big Brother & know at the press of a button :( :thumbs

[Deleted account DD]

i musta had 10 policies cancelled cos i didnt pay em or missed a dd
obviously when times were much harder

its not that they have refused to insure. its cover is withdrawn so no need to tell them .

refused to insure is the question asked.... and thats for disabilities (could even be short term)/ bad behaviour drink driving, drugs and so on .

the fact he no longer wants it because he wont pay the increased premium ( and thats all this will be ) is between him and his soon to be ex insurer


I know where yore coming from :thumb2 but they will ask if cover has been withdrawn they dont mean lapsed by you which is what not paying up could be construed as. it could have been withdrawn by the company due to fraud or bad debt and that could also affect the decision of your new insurers :nenau

I must be honest I cant believe how tight theyve become. At one time if you modded your car within reason (I used to replace shockers and springs on my saloon cars with a handling kit when the old ones needed replacing) they used to just say no prob thanks for telling us, now they bill you the minimum of an "admin charge" :(

[harlowmaverick]

All because of what i do for a living.

[Deleted account DD]

You would know more than me obviously but with modern technology the DVLA / Insurance & Police are all like Big Brother & know at the press of a button :( :thumbs


Without getting into the debate off the other thread :naughty:naughty the insurance database is a cracker. The amount of bullshit and pain in the backside errors it has cut out for everyone is incredible.

I would sum it up by saying that at one time, as you are obliged to be insured, it was up to the driver to demonstrate that. Now the vast and I mean vast proportion of cars come back on the system with "insurance held" so no need to inconvenience anyone with the old style process (remember producers?) :thumb2:thumb2

[Deleted account DD]

All because of what i do for a living.


what is that?

[extreme-4x4]

national farmers union was awesome, they never charged admin and changed cars prob 12 times in a year. never asked dumb assed questions either.

very old skool type of insurance all done at the local branch

thats who i'll be going back to next

[extreme-4x4]

Without getting into the debate off the other thread :naughty:naughty the insurance database is a cracker. The amount of bullshit and pain in the backside errors it has cut out for everyone is incredible.

I would sum it up by saying that at one time, as you are obliged to be insured, it was up to the driver to demonstrate that. Now the vast and I mean vast proportion of cars come back on the system with "insurance held" so no need to inconvenience anyone with the old style process (remember producers?) :thumb2:thumb2


i remember the 7 day to get it fixed as well .... proper policing ... im sure makeitfit would agree

[Peasgood]

(remember producers?)
I have had a couple since the database was up and running. I'm sure they did it just to piss me off. Even more pissed off because they have closed all the police stations within a 10 mile radius.
One of them was "Pulled for looking like a gypsy" :nenau I was only going to the post office.

[Deleted account DD]

i remember the 7 day to get it fixed as well .... proper policing ... im sure makeitfit would agree


VDRS was that ? They were useful all round :thumb2

[extreme-4x4]

Without getting into the debate off the other thread :naughty:naughty the insurance database is a cracker. The amount of bullshit and pain in the backside errors it has cut out for everyone is incredible.

I would sum it up by saying that at one time, as you are obliged to be insured, it was up to the driver to demonstrate that. Now the vast and I mean vast proportion of cars come back on the system with "insurance held" so no need to inconvenience anyone with the old style process (remember producers?) :thumb2:thumb2 ... <object width="480" height="385">


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[Kamsin]

In my defence, i did not know that the motorbike insurance had anything to do with the car insurance, they have not said they are going to refuse it as such but it may be void as they did not have the full details, they may ask for more money.

I was knocked off my bike in a hit and run, so the claim (Even though i did nothing wrong) went against me but it is classed as a no fault claim, so my broker said they may be ok with it, but knowing my luck, im not going to have a truck on the road this time tomorrow.

10 years full no claims i have with them on my other car and i had 5 years on the bike till some twat hit me, so even if you play by the rules, you still get shafted.:(

[tezzer]

i know a guy who drove an ambulance, but he got flashed at traffic lights in his own car, because of his job he didn't tell his insurance about the fine and points, but they did find out and reimbursed his insurance premium and refused to insure him, he then went on to have problems with his works insurance, to cut a long storey short, he had to pay £700 out of his own pocket to keep his job,(access for ambulance) his car insurance when he eventually got cover went form £240 to £1900. :doh

[The Patrolman]

I must be honest I cant believe how tight theyve become. At one time if you modded your car within reason (I used to replace shockers and springs on my saloon cars with a handling kit when the old ones needed replacing) they used to just say no prob thanks for telling us, now they bill you the minimum of an "admin charge" :([/QUOTE]

I rember when the man from the insurance came round to the house!:eek:
My mate actually got a reduction for fitting Cooper S discs and wide wheels to his Mini traveller as it was seen as a safety improvement giving better grip and breaking:nenau Oh the good times:rolleyes:

[extreme-4x4]

I must be honest I cant believe how tight theyve become. At one time if you modded your car within reason (I used to replace shockers and springs on my saloon cars with a handling kit when the old ones needed replacing) they used to just say no prob thanks for telling us, now they bill you the minimum of an "admin charge" :(

I rember when the man from the insurance came round to the house!:eek:
My mate actually got a reduction for fitting Cooper S discs and wide wheels to his Mini traveller as it was seen as a safety improvement giving better grip and breaking:nenau Oh the good times:rolleyes:[/quote]


they were the good times too, and why did they make all the changes. cos its just making loads of young people not be able to get work and stuff especially in wales because the kids cant afford insurance

[makeitfit]

Proper rip off insurance companies :eek:
My boy's 17 and we've been bashing every ins co avail to get him a quote we can manage:doh
Two weeks into it we've got ti down to £1060 on a bloody 1.1 fiesta ffs!
He's had quotes at over £10,000, serious:banghead

[Fez_uk]

I was paying like £1300 on my 1.6 vitara when I first started. I was 19/20.

It's a joke, But I had to bite the bullet. Luckily I was in work so I could afford monthly. Now after just 2 years the maverick was the same sort of price as the vit...