Looks like the Falco is going to be off the road until further notice due to insurance company incompetence.
Last May somebody hit my car with theirs and and my insurance company have been too crap to do anything about it, as such I have a pending claim on my car insurance and now Carole Nash want to increase my premium from £197 to £553, there's no way I am paying that so it looks like the bike will be off the road for an indeterminate amount of time while Elephant (more like Elewont) sort themselves out (which based on the fact it's been nearly a year so far doesn't look good), so hopefully just in time for the next round of floods.
No falco till further notice
Moderators: Aladinsaneuk, MartDude, D-Rider, Moderators
No falco till further notice
Pass me a hammer, a spanner and a cuppa
Done that, unfortunately I'm kind of stuck at their mercy, well I was until I decided to get the solicitors involved, hopefully they will move things along at a more brisk pace.
The most annoying thing is that I'm not even fussed about getting my car fixed, it's a tiny scrape and the car is a piece of crap, all I want is the insurances companies to admit he hit me (he's already said he was in the wrong lane to start with), there are several pieces of evidence in my favour and none in his. He is on company insurance so it won't even affect him, it's just typical insurance companies looking out for themsleves.
Hey ho, I have months of decorating to do on the new house anyway (as long as it's sorted before September so I can go to Le Mans I'll be happy).
The most annoying thing is that I'm not even fussed about getting my car fixed, it's a tiny scrape and the car is a piece of crap, all I want is the insurances companies to admit he hit me (he's already said he was in the wrong lane to start with), there are several pieces of evidence in my favour and none in his. He is on company insurance so it won't even affect him, it's just typical insurance companies looking out for themsleves.
Hey ho, I have months of decorating to do on the new house anyway (as long as it's sorted before September so I can go to Le Mans I'll be happy).
Pass me a hammer, a spanner and a cuppa
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Aladinsaneuk
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blinkey501
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Give these a try? 01246570600 Buckingham insurance
Flatlander was at the mercy of his insurance after coming off the black bike.
His premium was unbelieveable.
He rang the company above which I use and he managed to insure his bronze and red falco on a multibike policy for less than what his insurers wanted for one bike and still saved a lot of money.
I also believe that if you get quotes from other insurers it gives you a bargaining tool with your insurers.
Also on another note. My mate who is a self employed painter and decorator crashed is van a couple of years ago on black ice.
Carol nash was paid the premium for his years insurance a couple of months after the incident for his bike insurance.
A little while after that carol nash sent him a snotty letter saying that he had been fraudulent and not declared his van accident.
He rang them and told them he was less than impressed with their letter and that he had not had a claim on his bike?
They told him that unless he paid more on his insurance (An additional premium) on what he had paid they would cancel the insurance and not give any refunds which he had to pay.
He rang my insurance company to see If his claim with his van would make any difference.
In all fairness the excess was a little higher, but again the premium was less than what he had paid carol nash before his claim on renewal.
Personally with what my mate has said. You have said, carol nash are pants mate.
Oh and btw. After may mate insured his bike with my broker carol nash contacted him to ask why he had not renewed with them?
He pointed out that they had..
A) called him a fraud. And
B) charged him more than what another insurance company would have on is first payment.
They said to him "Don't be like that" to which tosh said he would never deal with them again.
On a final note. Yes I do insure everything with Buckingham insurance. Cars. Bikes. House and contents.
That's because they re-put my details through the computer and always give me the cheapest alternative insurer every year. I can't fault them.
Oh and they allow you to pay over two months with no interest fee's.
Flatlander was at the mercy of his insurance after coming off the black bike.
His premium was unbelieveable.
He rang the company above which I use and he managed to insure his bronze and red falco on a multibike policy for less than what his insurers wanted for one bike and still saved a lot of money.
I also believe that if you get quotes from other insurers it gives you a bargaining tool with your insurers.
Also on another note. My mate who is a self employed painter and decorator crashed is van a couple of years ago on black ice.
Carol nash was paid the premium for his years insurance a couple of months after the incident for his bike insurance.
A little while after that carol nash sent him a snotty letter saying that he had been fraudulent and not declared his van accident.
He rang them and told them he was less than impressed with their letter and that he had not had a claim on his bike?
They told him that unless he paid more on his insurance (An additional premium) on what he had paid they would cancel the insurance and not give any refunds which he had to pay.
He rang my insurance company to see If his claim with his van would make any difference.
In all fairness the excess was a little higher, but again the premium was less than what he had paid carol nash before his claim on renewal.
Personally with what my mate has said. You have said, carol nash are pants mate.
Oh and btw. After may mate insured his bike with my broker carol nash contacted him to ask why he had not renewed with them?
He pointed out that they had..
A) called him a fraud. And
B) charged him more than what another insurance company would have on is first payment.
They said to him "Don't be like that" to which tosh said he would never deal with them again.
On a final note. Yes I do insure everything with Buckingham insurance. Cars. Bikes. House and contents.
That's because they re-put my details through the computer and always give me the cheapest alternative insurer every year. I can't fault them.
Oh and they allow you to pay over two months with no interest fee's.
Tolerance will be our undoing.
With insurance companies things only work in one direction.
You can't benefit from NCD on one vehicle and apply that to a second vehicle - even though that's a factor that rewards lower risk.
On the other hand they expect you to declare claims made on one car policy against another and penalise you for being a higher risk.
This working only one way is perhaps the factor that is more "fraudulent".
Having to play their game I would of course declare any car related incidents on the various car policies.
That said, I wouldn't be so inclined to declare them on a bike policy as that is something entirely different. Much like claims on home insurance, phone insurance or whatever. Of course I'm not saying that everyone should hold the same view but that's what seems reasonably fair to me.
You can't benefit from NCD on one vehicle and apply that to a second vehicle - even though that's a factor that rewards lower risk.
On the other hand they expect you to declare claims made on one car policy against another and penalise you for being a higher risk.
This working only one way is perhaps the factor that is more "fraudulent".
Having to play their game I would of course declare any car related incidents on the various car policies.
That said, I wouldn't be so inclined to declare them on a bike policy as that is something entirely different. Much like claims on home insurance, phone insurance or whatever. Of course I'm not saying that everyone should hold the same view but that's what seems reasonably fair to me.
“Scientists investigate that which already is. Engineers create that which has never been.”
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flatlander
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What jay said no problems with Buckinghams even when I was late sending stuff back
For the avoidance of doubt and for the benefit of my wife, not everything I may say here will be absolutely true I may on ocassion embellish a little for effect.
That said when it comes to motorbikes, I like to ride side saddle with a nice frock
That said when it comes to motorbikes, I like to ride side saddle with a nice frock
An interesting approach, D-Rider and although I agree with your logic, I'm not brave enough to omit car claims when renewing the bike policy. If I recall correctly, the wording on some policies doesn't allow any wriggle room.
I have also been in the position where the insurer takes the line of least resistance, and therefore cost, rather than fight to protect my reputation and,ultimately, claims history. I think that the companies have an understanding that they will agree "knock for knock" if the respective costs are similar.
I have also been in the position where the insurer takes the line of least resistance, and therefore cost, rather than fight to protect my reputation and,ultimately, claims history. I think that the companies have an understanding that they will agree "knock for knock" if the respective costs are similar.
Re: No falco till further notice
Been in much the same position as you are, but in my case there was a sizeable injury claim involved so no alternative but to pay higher premiums for a couple of years until the settlement came throughwayno wrote:Looks like the Falco is going to be off the road until further notice due to insurance company incompetence.
Last May somebody hit my car with theirs and and my insurance company have been too crap to do anything about it, as such I have a pending claim on my car insurance and now Carole Nash want to increase my premium from £197 to £553, there's no way I am paying that so it looks like the bike will be off the road for an indeterminate amount of time while Elephant (more like Elewont) sort themselves out (which based on the fact it's been nearly a year so far doesn't look good), so hopefully just in time for the next round of floods.
You did the legally correct thing telling your bike insurer - every policy holder has a legal duty to tell his insurance company of any thing that would affect their judgement of the risk they are taking on. Problem is that anyone can tell them about a pending claim and then say its a " no fault" claim whether it is or not, so you need evidence.
The usual way to prove it is to get your excess paid by the other side and here you need the help of a claims service. Elephant are a cheepo insurance company who have a low cost operating system to produce attractive cheap quotes but when it comes to back office work they arent very good at all. To them your excess claim is just not worth spending time on.
You can try a number of things. Do you have a legal policy or a claims service to chase up? If you dont, have you tried chasing the other guys insurance or indeed the other guy himself? Have you any written evidence of him admitting liability? All you need is some proveable evidence that the accident wasnt your fault
Hopefully TC will come along and give you the inside line on how best to handle this problem.
I have a document from him through his insurance company that shows (by his own hand) that he was in the wrong lane approaching the roundabout which means he had to have cut into me as I originally stated, unfortunately he is now saying that the accident happened further down the road and that I swapped lanes into him. Unfortunately there is no difinitive evedence to prove my case, however there is a lot of evidence to back it up, and none to substanstiate his claim (which I know basically means I'm screwed).
Just to add injury to my already bad end to the week, I found out Satruday that my car MOT had expired last month (I have been so wrapped up in the house move I missed it), a lovely police lady reminded me it had expired and only charged me £100 for the information :) Still I can't blame anyone but myself for this as it's my car, therefore my responsibility, I shall dutufully pay my fine and set up a reminder with the MOT people for next year.
Just to add injury to my already bad end to the week, I found out Satruday that my car MOT had expired last month (I have been so wrapped up in the house move I missed it), a lovely police lady reminded me it had expired and only charged me £100 for the information :) Still I can't blame anyone but myself for this as it's my car, therefore my responsibility, I shall dutufully pay my fine and set up a reminder with the MOT people for next year.
Pass me a hammer, a spanner and a cuppa
not good wayno, but still worth pursuing him hard for the payment of your excess.
when swmbo got side swiped on a roundabout by a gentleman or oriental origin, he changed his story too, even denying the road rage that was witnessed. but after letters from the legal services solicitor, he quickly became fed up of the whole thing and coughed up the money. And thats what you have on your side - nuisance value. keep pushing.
if you dont recover the excess then you will have to pay the higher insurance premium.
when swmbo got side swiped on a roundabout by a gentleman or oriental origin, he changed his story too, even denying the road rage that was witnessed. but after letters from the legal services solicitor, he quickly became fed up of the whole thing and coughed up the money. And thats what you have on your side - nuisance value. keep pushing.
if you dont recover the excess then you will have to pay the higher insurance premium.