Carol Nash insurance

[cyclobutch]

Hmmmmm - I'm paying over £400 with Carole Gnash. That covers 10 bikes, mostly old but with the inclusion of a modern, a ZRX1200R, which I presume might inflate it. I'm not a young man, and not yet so old as to be considered an outright liability.

With car insurance I shop around, with the bikes it's hard to find the enthusiasm for going through that many details.

[BSARGS650]

Banks/Financial/Insurance once respected are nothing but legalised mafia full of corruption, greed and a law unto themselves.......

I had a 5% discount insurance voucher as a member of a certain club, went through the quotation process, only at the end did I mention I was entitled to the discount did they say they had already taken it into consideration - did they see me holding my voucher down the telephone line?

Two years ago someone reversed into the side my car causing nearly a £1,000 damage - I was not in even in the car at the time.  The person admitted fault and insurance details exchanged and I claimed from that person's insurance company.  One is required to inform one's insurance company, even for no-blame accident.  Despite being not to blame, insurance companies may put up the next renewal cost - not well known fact, only learned about through this experience.

All he best...

[Zander]

You have to be absolutely sure you've dotted all the i's and crossed all the t's BEFORE you accept the policy, as cancellation fees are, in most cases, prohibitive, not to say unjust and bloody infuriating👹

[dave55]

Your right there Zander, 5yr ago I took out a policy with a company( no names but its a bird like a Swallow  ) for my car , Fully comp, Fella says and what do you want to insure as ? Social Domestic and pleasure I says............I read an article on insurers 6mth later and checked my policy wording and sure enough because I had NOT said the word COMMUTING I was not covered for going to and from work ! Rang up and queried it and no I would not have been insured if I had a bump but they don't tell you they have changed things and you must ask for every thing..........and yes your right to have it added on price went up for the last 6mths but they did not get any more business . Check Your Policy Now !!!

[PaulC]

Most insurers cover the following options:
1. Social domestic and pleasure (SDC)
2. SDC and commuting to a SINGLE PERMANENT place of work
3. Business use, which covers 1 and 2 above plus commuting to different places of work and/or visiting clients etc. (even accepting an invitation from a customer to a social event!)

Good point about reading the policy. This of course applies to EVERYTHING! Mortgage, other loans, holiday bookings, hotels, phone, broadband...I could go on.

Most of us just tick 'yes' to confirm that we have read and understood the terms and conditions. This is usually because they are several pages long and in small print! Insurance must come with a "key facts" document which is compulsory reading even if you don't read the whole policy.

Paul

[nimrod650]

i have been with saga for a few years but received a letter saying no longer do motorcycle insurance passed your details to bennets

[Topdad]

I'm certainly not saying Insurance companies are whiter than white, far from it ! but sometimes people don't do themselves any favours . I write protection policies to cover mortgage amounts and I have had people blatantly lie to me about there weight , beer consumption and being non smokers . We just point out to them that the policy won't payout so why waste good money on a fabrication so I have no doubt  that a lot of riders do try it on.

[Topdad]

Sorry got distracted by work interfering so didn't finish my prev post . What I was heading to is the fact that some people will be a little conservative with the truth and when dealing online /by phone the people at the other end don't give advice/dig for more info, they just read scripts prepared by slimmey legal eagles to allow them max sales/ least exposure to compliants ,coupled with real customer dissatisfaction at ins companies.