What To Tell Your Insurance Company | Legal Hints + Tips
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- เผยแพร่เมื่อ 29 ก.ย. 2024
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These videos should be mandatory viewing! Very useful indeed 👍
Thanks dad
🤣
Couldn’t agree more Chopsy. Point I took away is when I am next asked about my profession, I’m going to say Solicitor!!!!!
When he mentioned the MID - Motor Insurance Database at 6:29 what wasn't said is that it's _your_ responsibility to check you and your vehicle are on there as having cover. It doesn't matter whether you have policy documents, proof of payment or even if you can prove you weren't told of a policy cancellation/voiding etc. if you're not on the MID then you are not covered and it's your fault. Insurance = legalised racketeering.
Instead of the "locked in a garage" rule.
Could you not say that you got beatup and keys took off you after you just got off a ride? As if you were mugged for the keys before you put it in the garage
4 videos in a week, spoiling us lads 🙌🏼🙌🏼
Every single one has been 👍🏼👍🏼
As Mr Dalton said, when there is a policy in force in respect of a vehicle and there is a claim against an uninsured driver (rider) using that vehicle, the insurers are liable. What the law says is that the insurers are entitled to recover that money from someone who has *permitted* the uninsured driver to drive the vehicle. However, you cannot *permit* someone to drive a vehicle if you no longer have any rights over that vehicle (e.g you have sold it). Won't stop the insurers trying it on, but I struggle to see how they could succeed in a court of law.
What is the case law on this point?
It’s best to always say “Not to the best of my knowledge” when they ask about modifications
Unfortunately everything seems to be becoming a scam or people try to wriggle out of things these days
I mean are performance tyres considered a modification 🤷♂️
Love these guys. Thanks.
Wow that’s well worth knowing. They make it worse by charging you to cancel a policy early when you sell or scrap it too. Grrr
Great series. I hit a pedestrian who stepped out from behind a truck wearing headphones and looking at her iPhone. She was hurt but not badly. My bike was totaled, replaced by insurance. Luckily I had gap insurance. I damaged my shoulders and lower back. A year later and I am still having issues. I've been told by the doctors I need private physio. Is there anything legally I can do?
Simon speak to your insurers specially if you had legal cover i would ask to speak to the legal team to see if they can recover any losses by suing the pedestrian.... Plus if you are in a union and you was traveling to work or from work at the time of the accident they could help you ..... Plus you could claim that you are a victim of a crime and recover some money this way I know that works
@@raptorpome2577 my insurers said because she was in a low paid job and had no money or assets it would be pointless to sue her.
@@raptorpome2577 incidentally she is now claiming from my insurance because one of those no win no fee solicitors contacted her about her crash. They recon even though it was her fault she will still get a couple of grand out of the claim.
This series is excellent. Andrew is a top bloke
I can confirm that
You could spend literally every penny you earn on insurance and receive nothing in return in the event of a claim.. absolute sharks
My insurance company tried to charge me an extra £15 because i asked for a physical insurance certificate (a printed a4 sheet of paper)
IT's just something to show the police from time to time. It's almost worthless.
Thats why i get the bare minimum from progressive and ride like im on ice lol
That's MCE insurance for you
“There’s no evidence you bike was stolen because the chain and padlock are no longer there”
“Oh ok, I’ll be claiming for a chain and padlock as well then”
And also claiming for my insurance money.
After I got my full A license I gave my insurers a ring to inform them about the upgrade.
They charged me £50 to tick a box and hit update on a screen, and it's made no difference at all to my yearly premium. XD
Absolute scummers.
Admin charges are ridiculous mate even like changing adress takes then 30 seconds and get charged £25 minimum. Some even charge you admin charges for updating it online yourself.
@@stichupman Geeze, that would NEVER happen in the states. That's absolutely criminal.
Yeah, so glad they don't charge for admin in the US
Someone give that poor guy a glass of water.
Lmfao
Glad I'm not the only 1 😆
That and save the working lunch until after filming, mans got indigestion
Yeah, the saliva swallowing is not good for us headphone users 😂
Painful 🤣
From my experience MCE are utter fraudsters and cowboys, Bennetts are magnificent, bike stolen and no quibble the claim was settled promptly (so Thank you Bennetts if you are reading this)
The prices look too good to be true, the garage term is shocking, you can't even park "in the vicinity" of your own garage or its a chunk of cash off the settlement, which is why I chose Karen bash instead
@@chubbybrown4real where do you park then?
@@0xsergy in garage straight away if insured with them,but I'm not
I was with mce for my first couple years cause of how cheap. My bike got nicked and I made the claim about a year ago. Still awaiting payment.
That last bit about selling your bike is why I love supporting this channel. And if I ever need a solicitor, Andrew is the go to guy. Top stuff guys.
Thank you 🙏🏻
There is no law in educating yourself, after all , you have the best intentions for yourself and you don't charge yourself anything 👍
I had this problem when I had less than a month to run on my policy and my insurer wouldn't change my bike over to my new one. I said I was going to sell the old one and they said I had to cancel and also lose that year's no claims. In the end I kept my bike for another 3 weeks until the insurance ran out on it and then sold it......more luck than judgement!!!! I hadn't a clue about this!
@@1000sofusernames any insurance company will do what ever they can to screw you out of money. An honest insurance company will waste alot of money, I suppose I should also say the underwriters of all insurance policies .
There is thousands of insurance companies, but they will all use pretty much the same few insurance underwriters.
It's the reason I dont declare my almax chain and other things I use to secure the bike. They can't tell me I wasnt using them!
The problem with declaring modifications is if you declare a bunch, even if they are not performance enhancing, they will often ruse cover. Which encourages people not to declare them and therefore give them a higher chance of not having to pay out. This is probably why they do it.
I bought a ratty cbr600 fy and had the suspension serviced and resprung for my weight, new better brake pads, brake fluid, braided lines, led indicators and headlights, lever guards (need for track), better tires and swapped the tail end for the sport version so i can get a lower seat hight which means i can now get both feet down. Most insurers just refuse straight away even though everything I've done makes the bike easier for me to control and safer to ride. None of what I've done makes the bike go faster than it did.
It was only after the guy at bemoto said he would deliberately leave things out that I'd done that i got a quote.
This sector needs to be way more heavily regulated.
Indeed, too many companies swindling you for all you've got while leaving you with the wreckage of the aftermath
Any chance the dodgy insurer is MCE by any chance? 🤔
Won't buy from them again
My old insurance company refused to pay out "Because of the area" after my bike was stolen. Told them it was used for commuting, parked at the underground car park at the National Theatre in London, disc lock & chain, immobilizer etc. They said it was fine, come to claim, they rejected it "because of the area".
"the area" meaning Great Britain presumably.
That's awful mate - did you get it sorted in the end, or did the bastards never pay out??
@@harpersneil unfortunately not, every time I tried to appeal it, raise a formal complaint etc was met with the same excuse. In the end I was stuck liable for £7K to a finance company.
@@stevefaust3532 That really boils my p*ss mate; I'm so sorry. You should tell everyone you know who that insurance company is so we can all vote with out money.
@@stevefaust3532 what? That sounds VERY illegal. You cannot not pay someone for parking in "the area". Did they have a record of communicating a list of areas their insurance doesn't cover?
@@greyanaroth Good question! They would have to disclose if there were areas where their insurance isn't valid, and if they sold you a policy without taking steps to avoid that, it's them who are in breach, not the customer.
Questions about a pillion?
Why??
Not one insurance company asks if you carry passengers in your car .... ?
Give this man a glass of water
Ahaha 🤣
LOL.
Poor guy
Was about to comment this! 🤣
Painful isn’t it.
Some good points here but why didn’t you interview and Insurance person (underwriter) for example? Dislike the emotive language such as “wriggling out”; insurance law is based on “contract law” and that relies on both parties to the contract being open and honest. The CIA only updated the old “utmost good faith” principles with something more robust and year still unworkable; take the advantage of Pillion or not. You might say No to pillion and so the insurer gives you a discount but when a collision occurs which is the riders fault, that pillion can claim unlimited liability for their injuries; unlimited and that’s the RTA. Of injury awarded, 70% goes to claims management and legal firms in fees plus their disbursements so that’s not into the pockets of insurers, it’s from our premiums!! Don’t lie to an insurer and they will honour your claim; the FCA, PRA and FOS will make sure of it so less of the insurer bashing please...
Would of made more sense for 44teeth to go and actually speak to the insurance industry about insurance as opposed to a claimant lawyer....FFS
Keep these insurance videos coming, always shocking and appreciated
Insurance companies are the modern highway robbers. You can’t ride on the road without it but when you need them to pay out they try everything not to pay out. A friend of mine recently got refused a pay out because he had a sticker on his bike they said it was an undeclared modification.
Joke isn't it, it's completely backwards and lawless.
They are pure con-artists
Insurance is purely a legality.a woman smashed my bike up when it was parked and my insurance company took 5 months to get me my money and my premium went up the next year regardless of the fact it was a non fault claim and I wasn't even near the bike.i will name names as I dont give a shit they were meant to represent me and did a terrible job.i was chasing them every week.it was MCE by the way.
I wrote my Versys off and MCE paid up, quickly and more than I expected.
@@adrianjturner They are as bad as all the rest google Paul Duffy MCE
There is many ways around it. But you need to educate yourself in many ways and understand the exact wording of law and legislation and then know the difference in them.
Its not for everyone but can be done legally. But you are at higher risk as your personally responsible for everything.
I have 11 vehicles, none of which carry dvla registration plates, dvla do not hold any certificates of manufacture for my items and I accept full liability for them as they are not property of the crown or dvla.
When you buy a new vehicle it has a certificate of manufacture which holds all vehicle details. If you pay for it out rite fully with no financial backing at all. Not even a bank loan then you own that vehicle, if you apply for a v5 you are then giving ownership of title to another party, you are then subject to any and all rules and regulations they declare. Failure to comply results in penalties, no longer called " fines " but thats another topic...
All my vehicles are fully insured and the underwriters know the details. Sadly police don't understand this is legal when carrying my own personal registration plates, and this is where you need extremely good legal understandings. They will seize your vehicle and arrest you etc, but when court date comes you place all your evidence and situation to the magistrates remembering to ask them to uphold the law equally.
You calming explain how you do what you do and that there is no laws to say you must comply with dvla, you provide insurance to show your covered for a financial loss. If you lack any legal understandings dont do it, until you do understand everything involved.
When your given your property back, you then file civil claims upon each officer involved and the police service they belong to for theft, kidnapping false arrest etc etc. Claim for loss of use damage etc and of course a small legal fee for your troubles.
That goes to court and you show the case you won that ment police were wrong for what they did, you get compensation.
That force and police officer will likely not bother you again if your sensible as they pay from their own wages for your claim.
It also applies that ignorance of the law is no excuse to a police officer if he does not know it, rather he should know more than you do as its his job 👍
It’s crazy that we’ve been insuring our bikes for years without really being told the actual truth in layman’s terms about what we are or are not covered for. The point regarding insurance companies reaching overseas outside of the EU to gather historical data on you to avoid GDPR is disgraceful. If more videos and information gets out referring to this, some insurance companies, if named, could be in serious trouble as I’m sure the biking community will boycott them. Fantastic job Al, please keep things like this on the channel.....very useful and informing.
Is the unmentionable insurer MCE, I got told "unlucky"by them threw a quiry, rude n would riggle out of anything
90% chance that the insurer in question is MCE
What makes you say that?
Yeah I’m curious about the garage one myself.
Yes. Awful experience with them. There's a reason they always come out cheapest.
MCE have a shocking reputation, they're nearly always the cheapest option and I still wouldn't use them.
I honestly think I'd only insure with BeMoto, Carole Nash or Bennetts now.
MCE is the insurer im guessing.
I was looking through the comments to see if anyone mentioned them and the only coment on it was yours lol. Speaks volumes. I had a very bad experience with them and will never use them again and know many people that havent got a good thing to say about them.
I don't live in the UK but I still love watching these. Insurance companies are similarly frugal across the world 😓
They are con artists.a foreign driver hit my misses car drunk he didnt have a licence and insurance so we ended up footing the bill all he got was a police caution and the following year the premiums went up even though we wasn't at fault the car was parked on the road.
UK is next level though, in Australia it’s nothing like this in terms of cost and complexity. You will still get left out in the cold if you are dishonest in the policy details however, which is fair enough.
And my renewal is in a few days... perfect 😂👌
Same here, shocking what they can get away with.
@@philthompson4174 mines gone up by £60... bet if I tell them no thanks it’ll magically come down. “You’re all set to auto-renew... you don’t have to do anything!” 😂😂
@@turnipboyon2520 Yeah exactly! This is my second year riding so a decent drop as expected. Bought an Arrow exhaust for it recently...
@@philthompson4174 good man, it’ll be the 2nd of many years I’m sure! And you’ve found 44T so you’re well away my man! What bike you got? Arrow is a great shout, ask Perkins, he’s got a sexy arrow on his RF I think! The big question is.. did you declare it on your insurance haha!
@@turnipboyon2520 haha I’m yet to fit it, so I’m in that position of deciding now, only ordered it the other day 😁. Went for an MT07, the exhaust is to put off exchanging it for something else before I’ve had a good summer on it.
Fagan!, you have lost a load of weight, amazing work!!!
I love how the point of insurance is to be there for you, but they just try to get out of helping you in anyway. No wonder people lie
Well morally yea that would be true. But their point is and always has been, to earn money off of you. It has always been a lucrative business, praying on other people's potential for misfortune. They are not there to help you, they are there to take advantage of you as much as they can, and then pay up the few times where they legally have to (and somethimes not even then if they can trick you into believing you're liable despite the law being on your side).
Dont forget to declare any changes/modifications mid way through your policy to your insurance, they will then charge a £25 fee and increase your monthly costs.
Of course they will. They insured you, originally, on the basis of the original spec you gave them. You make changes to the bike and that means their original agreement with you is no longer applicable, hence they'll charge you a new price based on your mods. I don't understand why that is so hard to understand, it's not rocket science
@@westers1514 it's never a reasonable price increase in my experience. When you come to make a claim they only pay for the original bike and not the accessories, yet they charge you for for it.
@@andy_xtr3861 Agreed, which is why it pays to shop around; insurers enter and leave the market depending on what their business strategy is. Sometimes they want bikes, and the price is competitive, other times they want to get out of the sector and so put the price up. Renewal time they play the numbers game - some people still renew without shopping around.
As for what they pay: it's based on what they think the value of your bike and accessories are at the time of claim. They factor in depreciation, which is fair. It's not reasonable to expect them to pay you the original cost of everything if you'd had a few years use out of it (or more.)
You may also remember to notify a change in tyres of it deviated from OEM....
@@westers1514 bike has more miles, the depreciation is more.
when i was 17, i told an insurance company i was 72, a retired yoga instructor named gerald. My insurance for my 2 litre focus shot down from 5 grand to 200 quid.
How did you get away with it
If an insurer is claiming they've not got documents etc, you can submit a data subject access request and this paints them into a corner as there is a legal obligation to provide every bit of information with your details on and should you end up in litigation, the insurer is up the creek if they've not compiled with DSAR. 👍
An insurance solicitor on video is telling you that insurance companies consistently Misrepresent the law to defraud you of money and we still just let them crack on
That's not what he said at all. He advised us bike owners to be truthful. If you then have a problem with an insurer refusing a claim then you can complain to the Insurance Ombudsman.
Just so everyone knows the company he wouldn’t mention is Bennett’s
Commenting just to raise this comment closer to the top so everyone knows.
Glad I'm with Bemoto.
@@cpuuk there probably no different
Don't think Bennett's has ever been competitive price for me to bother with thankfully.
That’s incorrect. I’m with Bennett’s and can advise they changed their definition of a garage late last year to include a timber building on a concrete base I.e wooden shed on concrete base. Anyone wishing to question this - ring them and ask them.
The depths of the lies I have told my insurance lead me to worry that if my bike is ever stolen or I stick it through a hedge, I won’t be covered 😂
Same. Just say anything to get the lowest quote! Ha!
@@Norton1531 Surely that's about half of us at least. "A shed is like a garage - it's locked!"
you probably saved more than the bike is worth so its worth it
What about mileage? Could they wriggle out of a claim if you've done 1000 miles more than you estimated?
Good question. How would they know unless you told them the mileage of your bike when the policy was taken out? not something I think they ask for.
@@Roger101Watson They can, just like you, look up the mot history of the vehicle which shows the mileage.
@@peva7945 Blimey didn't know that. lol
@@peva7945 Not in Ireland.....luckily!!
I recently went with bikesure and they asked for exact mileage and a photo of the odometer to be uploaded. The policy then specifically states I'm not insured if I exceed the declared mileage. Quite extreme compared to previous companies. Don't think I'd go with them again.
I am old enough to remember when compulsory passenger insurance, as it was then referred to, came in and the furore it caused (it was required whether or not a vehicle could physically carry a passenger) . I had been with the same insurer for nearly fifty years, based on a proposal form submitted at the start of the policy, when, two years ago, my broker tried it on at renewal time with the "passengers are not covered" thing. I quoted the relevant section of the Road Traffic Act requiring that cover must be given for liability to all third parties and that what they were suggesting meant that the policy did not comply with the requirements of the law and they could not offer a non-compliant product.
The reply? "Oh, oh! You're right, of course passengers are covered". I'd be interested in White Dalton's opinion on that one.
I was surprised this was not the case. Probably another way to extort a few extra quid.
This is ace I love this series. What makes it ace is it's something different from any usual bike TH-cam videos. Proper legal advice and some laughs and chin wagging
your last one about the insurance on your bike after selling is nuts!! we're lucky here in the Channel Islands, we have riders policies, where the rider is the insured party and not the bike, my riders policy is £268 per year, and I can ride any of my bikes I have, 4 bikes at £268 thank you very much, the bikes are insured because I am insured, fully comp any capacity bike, I could own 20 bikes and it wouldn't make a difference in price with a riders policy, so if they are nicked or damaged then they are still paid out for. Your insurers on the mainland are a rip off and complete bunch of robbing twats
I get insurance in the full knowledge that I will not be paid out or that ultimately it will be too costly to claim. It is a purely legal venture. for that reason, I never by new.
I made my first ever claim last year and was amazed to be offered the full insured value of my bike minus excess. Really thought i was in for a rough ride. It pays dividends to pay a little extra for a more reputable company. I'm with Bennetts btw. Helped i'd told the truth on my proposal so there was nothing to quibble on. The last point is fascinating though, will definitely be doing that from now on! Cheers guys
So, legally we have to have insurance to ride our bikes and if there's an accident or it's stolen they'll try to use fine print and unsubstantiated evidence to avoid paying a claim.
And we're ok with that?
Should there be an independent regulator that we can go to to prevent this kind of fraud on the part of the insurer?
As much as i want to watch this video, i cant deal with the pause/lip smack every 2 seconds. DOES MY FUCKING HEAD IN!
Fucking right!? Drink some water man...
I would also send an email ( if possible) saying you had sold the bike. Who knows if the person on the other end of the phone presses the right key to record the info. Just saying.
And ask for it to be acknowledged.
Doest seem to make a difference to my premium saying its chained in the garage so I don't say it is chained.
The question for me is why does no insurer ever tell you that you need to tell them when you sell your bike? The answer is its not in their best interest. That's business I guess
I think it’s pretty common sense. Would you “forget” to tell them you’d sold a house for home insurance?
I've got an idea, next time i'm getting quotes online I'm getting a photo of myself with a empty bottle of my favourite spirit slumped over my keyboard and claiming careless decisions if my quotes wrong lol
This guy is giving some really sound advice but some of yous commenting about him needing a glass of water?? Maybe think about what you write on the internet, I’m sure this was a point raised on lockdown news...
The first thought any insurance company has is how can we avoid paying out and the second thought is how can we walk up everyone’s policy price!!
Well, they've got that last one.
Motor Insurance is a *LEGAL REQUIREMENT.*
@@timmason7430 a lot (not all) of insurance companies are like politicians, lies, evasion and shady tactics
Common sense really isnt it?
Man and I thought the insurance companies in the USA were shit. I feel bad for your UK guys. Sounds like a complete scam
Actually thinking about just selling my bike now...The whole thing is just to bloody risky...potential prison sentence for speeding. On top of the scumbag insurers trying to ruin you financally...is it all worth it?
MCE absolute cowboys!
Having worked in insurance for ten+ years, it's always the same on public forums with claims of 'insurers will try to WRIGGLE out of'
I don't doubt the anecdotes cited in this video are true but it really is a case of get what you pay for! Pay the cheapest premium gets the most restrictive terms and outsourced claims companies.
Pay a respectable premium for peace of mind you will get what you pay for 👍
We know they're talking about MCE being the worst
Hmmmmm I told my old insurance company that my bike was stored in a flimsy metal shed but it that was on a concrete base, according to them they classed it as a brick built garage, lucky I never had to claim.
The bit of advice given about letting your insurer know about selling your bike is well received and slightly terrifying of the ramifications when you don’t.
Name the trustworthy companies or recommend them so we can buy in peace
Thanks for that , just sold BMW 3 litre M sport . Thought I'd let the last 2 months insurance run its course as I wouldn't get any premium back! Just cancelled it 👍
I got told a long time ago(by someone at swinton) to never say I used security devices locks, chains, immobilisers even in the garage, my premium is not noticeably higher although I don't live in a city. Then you never have a problem if its stolen, You obviously CAN use all those things. I also got told to be clear that the garage was not brick built but concrete sectional.
Insurance in the UK sucks, the story about losing your house because you don't tell an insurance company you sold a bike could be easily solved by insuring the rider, not the bike. We cant ride more than 1 bike at a time so we shouldnt be forced to pay a policy for every vehicle we use.
I want to agree with you, but, just thought of a reason to insure each bike - against theft, at least.
If you have 3 bikes in your garage, and they all get stolen.
I do agree that accident insurance should be on the rider only. though. It works in other countries.
@@Jaffa1951 but they get stolen from me, who is insured? there are plenty of countries that insure people to ride, rather than bikes to be ridden. It means that if you are insured you can drive/ride anything as long as it is road worthy, even if it doesnt have an owner. Its just a much cleaner and better way to do insurance but there a lot less money to be made so we'll just keep getting scammed forever unfortunately
Keep these videos coming Andrews knowledge is awesome
I was told today my mod list was so long, my bike is no longer insurable. Doesn't alway pay to be honest either.
Yeah they normally have a limit of 5 things. Well that can be (front crash bobbins, rear crash bobbins, frame sliders, bar ends sliders, tank pad.) Not exactly modifications.
@@willspeakman2461 I'm with Bennett's and all that stuff comes as standard, they seem pretty reasonable.
Don't be dense, it absolutely pays to be honest. Better to know your machine is uninsurable at the start instead of crashing it and finding out your policy is void due to something as dumb as "too many mods"
@@Hawk7886 I wasn't being literal!! Just expressing an opinion that, you don't seem to be rewarded for being honest.
Sounds like you need a solicitor to even insure get insured and a even better one to make a claim 😱what a bunch of con artists
Dang that is some complicated stuff compared to Finnish insurers. They ask the license plate, your social security number, your ZIP-code, are you the only one in possession of the bike, is the bike owned by a bank or loan company and how long is your driving season. And of course if you want only the mandatory insurance that covers all people damage and material damages to the opposing party if you were at fault or do you want some extra coverage like towing in case of breakdowns, collisions with animals, fire, theft etc.
This is what it should be. Not a few hundred questions that can change at any time. It's a vehicle and it will be used as such in all its capabilities, just cover it...
Tiedan. Mun äitini on Suomalainen.
I'm a motor vehicle assessor for an Australian insurance company of 15 years. We don't insure bikes but, the best advice I can give you is, answer all the questions truthfully and to the best of your knowledge. The temptation is there to deliberately be dishonest, which may seem innocent enough to you, to get your premium lower but ask yourself this, do you want to risk your insurer voiding your policy for the sake of saving a few dollars? On the other side of the coin, consider this. Insurance fraud is rife, especially throughout the pandemic. Insurers are investigating claims more heavily than ever before, not to catch honest John who said his car was parked in the garage when it's actually parked in the street, but to catch the career criminals who make a living out of insurance fraud. Unfortunately, some smaller fish get caught in the net when catching the sharks. At least that's how it is in Australia. Please tell the truth to protect yourselves.
Yup. Pretty basic stuff. Insurance contracts are based on uberrimae fidei or utmost good faith. As you say, you tell the truth.
would like to hear about the potential legal repercussions and insurance repercussions of running "not for road use" exhausts or exhausts without baffles on the road
they will say you did not declare it and cancel the policy. I have rarely see any other repercussions apart from maybe a fine is you annoy a cop.
In canada, so might be different.
I was adamant in telling the insurer that I WOULD definitely use my bike to commute. The broker wouldn't check the 'commute' box though and said they always just check 'pleasure' for motorcycles. You bet I have kept that email in a very safe place.
Seems to me not to bother claiming you use a lock & chain on your insurance.
I spent the first ten minutes of the video thinking there was a lad in the background at the bench... Its a fucking mirror 😂
I’m currently in an insurance predicament. Do I spend £800 full comp on my Cb500x (first year on a 500) or spend £380 for third party?? Is it worth the extra 400+ for fully comp? I am a summer rider and commuter
Pay as little as you possibly can. Doesn't matter what happens to the bike, you'll never get them to pay out anyway. And even on the 5% chance you see any payout money, they will make it right back with an increased premium next year, even if it was a no fault claim. Insurance is a legal scam, and they are scum
That isn’t a question that someone else can answer because nobody can predict the future, it has to be on your own risk basis. Scenario 1 : no incidents/accidents occur, congratulations, you’ve saved yourself £400 on the year, plus gained 1 year NCB. Scenario 2 your fully comp: Your bike gets nicked/someone reverses into it whilst parked with no witnesses, you’ll be thanking your lucky stars you chose fully comp because otherwise you could be 3k+ out of pocket. The only thing I would say is if the bike is on finance then 100% without question it should be fully comp.
Honestly, third party, fire and theft is the way to go until fully comp drops down to a good price in the next few years.
The reason I say this is because your bike is covered for fire and theft for which is going to be the likely claim scenario if anything. Going fully comp is fine but don't forget that new riders/new insurance etc will have to pay a hefty compulsory excess which can easily be over £1k so you're not going to be claiming if you drop the bike or damage it anyway because it's cheaper to fix yourself than pay the excess and higher your premium with a claim.
I am just coming up to 4 years no claims on my 2014 R1 and I've been third party, fire n theft throughout. 1.Because it covers my bike being stolen which is of most importance to me and 2. In my first year my excess with voluntary excess to lower my premium was hitting £2k, so there's no way I'd be claiming for any damage unless I trashed my bike, but the way I see it if I trashed it that bad I'd likely be dead anyway as it's an R1 lol.
Can't blame them. They would not last long in business they did not take the risk seriously and accepted their customer's claims of honesty as accurate.
Very true. Some people think it is ok to lie to an insurer. It's not. Then complain when claims are rejected. Muppets.
Mce don't touch them with a barg pole
Never say I have a lock because it’ll be that one time you forget it something happens, my last quote it was virtually no difference in the premium with or without. The other thing that really gets me is when they ask the value you can say £10k and they’ll take a premium based on that but on payout they’ll pay what it’s book value is, it seems to be a way of selling gap insurance.
Agreed. I do the same. The difference for not having a lock was only about £5, I think.Very little anyway. Likewise with a pillion - about £5 difference.
MCE?
These legal videos with Andrew... They're brilliant.
Interesting article, nice work. I remember reading an ‘on risk’ scenario by Andrew a few years back. Shocker!!!
Additional tip- if your bike gets nicked or smashed up, when you’ve calmed down, thoroughly read every word of your policy before you pick the phone up. There’s much less chance the fuckers will trip you up if you’ve just swatted up.
Do it online, you won’t have to tell them anything 😂
GET THIS MAN A DRINK FOR GOD SAKE!
Insurance shouldn't be a legal requirement because it's a scam. Drivers should just insure their own vehicle if they want to.
Insurance companies are similarly scummy over here in Canada as well.
On another note, I find this guys voice very relaxing to listen to.
The foundation of insurance is the declaration of facts and honesty. So what are the penalties for Insurance companies being dishonest?
Guys, comment who you’re insured with and if you’d recommend, I’m with Carole Nash and so far so good.
Brilliant advice as always. The whole thing with pillions I've never understood as I can take 6 passengers in a car and I don't have to tell my insurance but 1 on a bike and I do. I understand the risk is higher but surely the risk for the insurers is much more with 6 potential injured parties than it is with 1
This was absolutely class. Could happily listen to this guy all day but I’d probably have no bike money left
Insurance is a legally required scam. So frustrating and ridiculously expensive. I’m 20, been driving a car for 2 years. I got a quote to insure ninja 125, £2.2k
I'm glad I don't live in the UK with regards to these rules. So such questions asked when insuring the bike here in Norway.
That last bit is very needing to do, even when it comes to the registration.
Sold a car, they went past 2 red light cameras and reversed into another car when parking somewhere to get food and took off. The plate was caught on camera and people tried to come after me, the license details they gave me were invalid. But I already called up to say it was sold earlier in the day.
And what do I notice about this video, that in the robbers video clip that the window glass is in upside down..I am a geek.
A really useful Video, a must watch for really just anybody out there alive.
Best 20 minutes advice I have seen. Good on you for posting same.
Excellent advice, I will declare no locks or other bullshit in the future 👍🏻.
My experience with bike insurance, a shower of cnuts. Message ends.
same as house insurance
I've been riding in a different country for nearly 30 years. I've own 5 bikes in the past. However I've just bought my first bike in the UK. The insurance companies are treating me like a new rider and aren't insuring me. I've tried the comarison site and they all come back with " we can't offer you insurance" Any advice extremely appreciated!
Great video, as always. WHilst you can't name some of the bad insurers out there, what are some good ones?
never put locks or secure markings or anything on my quote and always set it to driveway and set it to the basic and my premium isn't affected by it to much only few quid more then adding them
I find the bit about insurance companies paying back the premium funny, my annual premium (as a 19 year old) is £2080 anually, and my bike is only worth about £1650-£1800, so if I write off my bike and the premium is voided and returned, I'll make a profit (in theory haha)