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Motorbike Insurance

135

Comments

  • SimonSays
    SimonSays Posts: 716 Forumite
    Stop screwing the bottom line and then you can have a policy will allow a change of bike in the event of a total loss.

    Demand lower premiums and get poor service and poor policies.
  • OnanTheBarbarian
    OnanTheBarbarian Posts: 1,500 Forumite
    Sixth Anniversary 1,000 Posts
    Norman_Castle wrote: »
    The loss is the continuation of their current policy.

    ???

    They always had to pay for their insurance for the year, this was just brought forward by the need to make the total loss claim and the requirement for all premiums to be paid before the total loss indemnity was provided.

    So there can be no claim for a product you were paying for anyway.

    Where there is a claim is that on top of paying say £200 for the bike insurance for the year, they have then had to buy another policy to insure the new bike due to the total loss claim,.

    But for the accident, they could have added a new bike to the original policy and paid any applicable change in premium, but they instead have to buy a whole new policy instead.
  • SimonSays
    SimonSays Posts: 716 Forumite
    Norman_Castle wrote: »
    You're jumping to conclusions. Read the question!!!

    If the other driver is at fault could this be claimed from them as a consequential loss?.

    Im not at this moment in time ERS are treating it as a fault claim! Until its shown otherwise.
    OP wrote:
    My motorbike has been declared a write off following a non fault accident (yet to be proven pending a witness statement as the third party has lied to his insurance company stating that he did not change lanes when he did).
  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    OnanTheBarbarian wrote: »
    ???

    They always had to pay for their insurance for the year, this was just brought forward by the need to make the total loss claim and the requirement for all premiums to be paid before the total loss indemnity was provided.

    So there can be no claim for a product you were paying for anyway.

    Where there is a claim is that on top of paying say £200 for the bike insurance for the year, they have then had to buy another policy to insure the new bike due to the total loss claim,.

    But for the accident, they could have added a new bike to the original policy and paid any applicable change in premium, but they instead have to buy a whole new policy instead.
    If the old policy only had a month left would they be entitled to claim for a new full year policy?
  • OnanTheBarbarian
    OnanTheBarbarian Posts: 1,500 Forumite
    Sixth Anniversary 1,000 Posts
    Norman_Castle wrote: »
    If the old policy only had a month left would they be entitled to claim for a new full year policy?

    I understand your previous comment now....
    Norman_Castle wrote: »
    The loss is the continuation of their current policy.

    They can claim for the cost of the new policy for the duration that was left on the old one. :beer:
  • SimonSays
    SimonSays Posts: 716 Forumite
    Norman_Castle wrote: »
    If the old policy only had a month left would they be entitled to claim for a new full year policy?

    Norman does have a point here...
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    All of this is moot until liability is settled...
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    SimonSays wrote: »
    Im not at this moment in time ERS are treating it as a fault claim! Until its shown otherwise.

    Try reading the question.

    If the other driver is at fault could this be claimed from them as a consequential loss?.
  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I'm glad I don't work in insurance.
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    Norman_Castle wrote: »
    I'm glad I don't work in insurance.


    Why? Most of what happens in claims handling and underwriting is pointless arguing and you seem pretty good at it?
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
This discussion has been closed.
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