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Rotop

Joined:

Sep 12

Posts: 124

Rotop says:

Insurance scam

MCE just phoned me to offer me insurance (My fault I went on a price comparison website)


"The premium is so high because you've had 2 crashes"

Cheeky little sh*t years of NCB and 2 NON-FAULT claims against a 3rd parties insurance, not my own.

Anyway double checked on the website, their price is the same with or without the crashes, so what conclusion do we draw from this?

The sh*ts at MCE will lie to you to make a sale. so when paying £100's for insurance that you may rely on when lying in a hospital bed or out of work with your bike's sitting twisted in the garage - MCE have probably lied to you somewhere along the line, just hope it doesn't invalidate your policy.

At the very least this may make young or inexperienced motorists either lie to their insurers or not claim when they are not at fault in a crash, to try and keep their insurance premiums below £200 a month.

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  • Posted 2 years ago (04 October 2012 12:08)

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zanderh

Joined:

Aug 12

Posts: 267

zanderh says:

Nuisance calls

When on price comparison sites I nearly always use the phone number "07000000000". Guaranteed never to get a nuisance call :winkie:



But yes, Insurance companies are ridiculous. Premiums often make no sense and differ in price day-to-day even hour-to-hour. I've been quoted £1200 when I check at 2pm on a Saturday but £700 when checking 7am on a Monday morning with exactly the same details.

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James600zx

Joined:

Sep 07

Posts: 2798

James600zx says:

Insurance premiums.

Insurance companies use most of the income from premiums for tax-free investments on the stock market, or as I call it, gambling. They'll keep a relatively small amount in reserve to pay out for claims. If investments are bad our premiums go up. Easy money.

Since we are legally obliged to have motor insurance the government ought to make it much less of a commercial enterprise. We're not all having crashes so if everyone chipped into a central pot I imagine there would be enough to pay out all valid claims. Mind you, a central pot of cash in public sector hands wouldn't be safe either.

:upset:

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norris

Joined:

Nov 02

Posts: 1336

norris says:

MCE

I'm with them. Not had a claim in 37 years, but got knocked off the bike in June. Police doing driver for driving without due care. Thing is, when younger, if you had a bump and someone elses fault, you claimed off their insurance. Now, as I'm fully comp, you're supposed to claim on your own, then the solicitor tries to claim the excess back (£750), but this means you've now got a claim. I've not claimed as yet, bought most of parts on ebay to repair my bike as it'd be a write off. Makes you wonder what's the point of being fully comp insurance.

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Rotop

Joined:

Sep 12

Posts: 124

Rotop says:

fully comp claim

I did that, you claim through your own and they re-claim through the 3rd parties - ask your insurance for a letter stating they are reinstating your NCB because they claimed against the 3rd party and you'll get your NCB back.


You could also find a company that will handle the claim for you. more in the next post.

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Rotop

Joined:

Sep 12

Posts: 124

Rotop says:

Claim

One company was http://www.ridemaster.co.uk/ they handled my claim for me and put me up with a courtesy bike, a CBF600 and claimed back all the costs from the 3rd party's insurance. I didn't pay a penny. I'm pretty sure I paid a few hundred excess and got it back as soon as the 3rd party admitted liability.

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arryace

Joined:

Apr 10

Posts: 198

arryace says:

protected no claims

Protect your no claims it worth the extra cost.

the answer is not to make a claim through your own insurer they are all ways keen for you to do this, it may take much longer to get your bike repaired but claim from the third parties insurer.

 

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