Can't get insurance for my motorbike because...

Car_54

thetriggerhappypwner wrote: »

For the record, XBOX LIVE banned me for RECIEVING death threats. FACT!

Please get your facts right before making assumptions that you have no evidence to back up.

I did not say that they were making it up, I said that they were fabricating things, in that I mean saying things that are not true, or are twisted.

1. Thank you for clarifying that. I didn't know that if you write "FACT" after a statement, it must be true. Especially if written in upper case.

2. You need to check the definition of "fabricate".

3. While you have the dictionary open, you should check the spelling of "receive".

thetriggerhappypwner

Herzlos wrote: »

Because you don't seem to realise (and I appreciate that this isn't your fault, here) that what you said was regarded as abuse and they don't want you as a customer. I really doubt they'd waste any time fabricating audio recordings.


It might be best to get someone to phone insurance companies on your behalf and explain the issues, and I understand it can be pretty frustrating.


Did you ever get to the bottom of why they cancelled the insurance in the first place?

https://forums.moneysavingexpert.com/discussion/5492829/motorcycle-insurance-purchased-fully-comp-with-hastings-direct-on-july-8th-approx

Herzlos, this thread may clarify why it was cancelled for you. I hope I have provided enough information.

It is taking all I have to remain calm at this stage. Pulling my hair out!

thetriggerhappypwner

Nilrem wrote: »

Did you hit your former friends car?
If so did he agree to going outside of insurance? -Yes
Did you inform your insurer of the incident (even if you have no intent to claim you are meant to do so). -Yes

The point here is that it is the cancellation alone that is preventing me from being able to renew my insurance with the same or a different company. The instant I uncheck that box that says "have you had insurance declined or cancelled in the last 5 years", nobody quotes me. This is with declaring an incident in December and third party (former friend) making a malicious claim and attempting to inflate the damage (car was covered in dents and scratches). I also declared a "NOTIFICATION ONLY" incident from January this year when I had a car reverse in to my parked up and unattended bike in an ASDA car park and drive off! This one was not my fault, how can it be if I was not riding it or near it?

thetriggerhappypwner

Also, it might be worth noting that I am on the phone to Hastings now and they have finally realised that the policy in 2016 was cancelled incorrectly and that they are going to assist me and get a letter out to me hopefully tonight to send to my insurers tomorrow once I speak to them to hopefully resolve this problem once and for all. I am hoping that this will be the end of it now once they get this letter from Hastings when I send it to them tomorrow.

He is also saying that I don't have to declare the cancellation to other insurers as it was cancelled incorrectly. I have the call recorded so I can prove it.

Herzlos

I'm glad you got it sorted.

missile

I love a happy ending :-)

k3lvc

missile wrote: »

I love a happy ending :-)

They always happen in fairy tales

missile

k3lvc wrote: »

They always happen in fairy tales

in Thailand :rotfl:

thetriggerhappypwner

I will update once I have spoken to my insurance company today.

I sent the letter from Hastings to them last night so they should get it this morning. I will call them later to see what they say and update here once I have news.

Thanks to all members for being so patient through my frustrations.

dacouch

Norman_Castle wrote: »

I would question if an insurer choosing not to deal with you because of abusive behaviour would justify cancelling your insurance leaving you with a record of cancellation. I understand the insurer choosing to avoid the behaviour but that should be separate from the insurance. If you are provided with proof of the reason for cancelling keep it and copies of it. Hopefully other insurers will see it as irrelevant to the policy.

I can understand why they would cancel the policy, but would agree with you, they should just cancel the policy not notify the databases of the cancellation.

Call Centre staff are trained in calming irate customers down and many see an angry customer as a challenge to produce a happy customer. But ultimately if someone crosses the line any business will want to cease dealing business.

Insurers place a lot of importance on what would happen if there is a claim. They often perceive that a customer who could be difficult to deal with in the event of a fault claim eg where they have a large claim against them could cause major problems and increase expenses. Insurers rely very heavily on having customers who cooperate with them as much as possible when there is a third party claim against them.

Hasting have a record of cancelling policies at the drop of a hat, frequently when it is an over reaction