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  • FIRST POST
    • Polioz
    • By Polioz 11th Aug 18, 2:50 PM
    • 13Posts
    • 9Thanks
    Polioz
    Bike got stolen, tried to make a claim and had my policy voided . Appreciate advice
    • #1
    • 11th Aug 18, 2:50 PM
    Bike got stolen, tried to make a claim and had my policy voided . Appreciate advice 11th Aug 18 at 2:50 PM
    I've recently had a nightmare with my insurance company , which has left me royaly screwed because of an honest mistake .

    My motorbike was stolen , I maid a claim and they ended up voiding my entire policy , I am still shocked . The crux of it was I checked yes to me having an immobiliser/alarm when I didn't. I thought this referred to my front disc lock that immobilises my bike and had an alarm , I suppose I was naive and I take responsibility for that .

    Now my policy has been voided and I am in the process of making a formal complaint , I don't even care about the claim anymore .

    However I have a few questions and would love some advice .

    1) I've recently taken out a new policy for a new motorbike , this was only 7 days ago, whilst it was yday that my previous policy was voided . When making the policy I told them the truth at the time, that I made a claim .

    Should I inform them now of what has happened ? I am scared I will call them and they will void my policy .

    2) I was thinking of canceling my recent policy and then taking out a new one somewhere . It's really hard with a canceled policy .

    I am wondering however as my policy when voided , do o still have to declare a claim ? How could I declare s claim if my policy was voided ?

    It is much easier to get insurance with only a voided policy rather than a claim and a voided policy


    Many thanks !
Page 2
    • Quentin
    • By Quentin 12th Aug 18, 11:15 AM
    • 38,012 Posts
    • 22,109 Thanks
    Quentin
    OP didn't say that at all.
    Originally posted by stator
    Yes he did!
    • Polioz
    • By Polioz 12th Aug 18, 9:18 PM
    • 13 Posts
    • 9 Thanks
    Polioz
    OP didn't say that at all.
    Originally posted by stator
    Thank you

    I was actually shocked at how much I had to pay and played around with quotes to see what the reason for this was , as my friends were getting much cheaper quotes . E.g 200 quid for a more powerful bike.

    DESPITE THIS I answered everything truthfully and thus paid so much . So it is completely false to state I am victim to playing around with my quote to get the cheapest quote . I got actually one of the most expensive quotes I could , young driver , no NCB, city with high theft rates (it seems), no garage etc , you see what I am saying .
    Originally posted by Polioz
    Yes he did!
    Originally posted by Quentin
    Come on mate, you are selectively reading my entire thread now and basing your comments off of that. Read literally the next sentence after that. I played around with quotes to see why mine was so much, that doesn't mean I changed my information to cheat the quote. All the information I put was honest and made a mistake on the immobiliser.

    I am going to put the next bit in caps so you read it as this is very important, me having an immobiliser on my quote DID NOT change the value of my quote. Your previous statements about me playing with quotes to get a cheaper policy is completely false . You already made up your mind about the situation and are showing some confirmation bias here.
    Last edited by Polioz; 12-08-2018 at 9:24 PM. Reason: added more info
    • Polioz
    • By Polioz 12th Aug 18, 9:34 PM
    • 13 Posts
    • 9 Thanks
    Polioz
    My opinion (and someone will be along soon to tell me I'm wrong I'm sure!) is that you should push the angle of Inadvertent Misleading and the fact of insurers would have still have accepted the risk if they had known, at no cost difference.


    The FOS seem to side with the little guy in cases like that and on the face of it you have a real grievance.


    Please let us know how you get on, nothing more frustrating when people come here for advice and never come back.
    Originally posted by oscarward
    Thanks very much, that is the direction I will be taking this. I wasn't aware of FOS prior to this so despite some animosity this thread has been helpful. I will make sure to update the thread/make a new one with the results. Fingers crossed the little guy wins.
    • csgohan4
    • By csgohan4 12th Aug 18, 9:35 PM
    • 5,288 Posts
    • 3,386 Thanks
    csgohan4
    Thank you




    Come on mate, you are selectively reading my entire thread now and basing your comments off of that. Read literally the next sentence after that. I played around with quotes to see why mine was so much, that doesn't mean I changed my information to cheat the quote. All the information I put was honest and made a mistake on the immobiliser.

    I am going to put the next bit in caps so you read it as this is very important, me having an immobiliser on my quote DID NOT change the value of my quote. Your previous statements about me playing with quotes to get a cheaper policy is completely false . You already made up your mind about the situation and are showing some confirmation bias here.
    Originally posted by Polioz
    Mistake honest or not, makes not difference in the insurers eyes. they see it as intentional and cancelled your policy, the fact it didn't change your premiums is irrelevant.


    You didn't buy the insurance from Larry down the pub and since he didn't lose money your off the hook kind of deal


    You have a cancelled policy, make a complaint to see if they will take off the voided policy as that is your biggest worry than telling the whole world the insurers are evil.
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • Polioz
    • By Polioz 12th Aug 18, 10:08 PM
    • 13 Posts
    • 9 Thanks
    Polioz
    You have a cancelled policy, make a complaint to see if they will take off the voided policy as that is your biggest worry than telling the whole world the insurers are evil.
    Originally posted by csgohan4
    Thats the plan, lets see what happens.
    • Polioz
    • By Polioz 30th Aug 18, 3:39 PM
    • 13 Posts
    • 9 Thanks
    Polioz
    An update if anyone is interested . I have put in a formal complaint and a 3rd party representative came to the conclusion that this was an obvious mistake and voiding my policy based off of that is unfair. Therefore my policy has been unvoided and my claim is proceeding as normal . Hooray for the little guy.
    • Weighty1
    • By Weighty1 30th Aug 18, 4:57 PM
    • 402 Posts
    • 187 Thanks
    Weighty1
    Great news!

    I think many of the people posting here had had a bad nights sleep. In respect of you committing fraud:

    fraud
    frɔːd/Submit
    noun
    wrongful or criminal deception intended to result in financial or personal gain.
    "he was convicted of fraud"

    Definitely NO fraud going on.

    Glad it worked out and common sense won.
    • oscarward
    • By oscarward 31st Aug 18, 6:34 AM
    • 636 Posts
    • 252 Thanks
    oscarward
    Glad to hear it worked out for you














    Result!
    • Polioz
    • By Polioz 31st Aug 18, 8:31 PM
    • 13 Posts
    • 9 Thanks
    Polioz
    Thanks guys , really pleased with the result .
    • Korkyb
    • By Korkyb 1st Sep 18, 3:46 AM
    • 241 Posts
    • 134 Thanks
    Korkyb
    A fair outcome IMHO.
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