The Perils of Insuring Motorcycles in London
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- Опубліковано 28 тра 2024
- Most people know the struggles of insuring motorcycles in cities, but there are other insurance variables to understand...
White Dalton Motorcycle Solicitors - www.whitedalton.co.uk/
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Insurance in the UK is just one huge cartel. The whole system needs top to bottom reform. Something needs to also be done about frivolous injury claims.
Insurance companies spend more effort trying to get out of paying you than they do chasing the culprit
It’s in no way up to the insurance company to chase them. That is the police. However the police are very unlikely to do so as well these days
Remind you of anyone else 👮🏼♂️
I work for insurance companies as a paint sprayer. Micro management like you wouldn't believe 🔍
Well done Dalton 👍 I won’t be using that Insurer ever again; ridiculous £30K legal costs to try and financially bully the customer from claiming (and their legal team incompetently failed after spending £30K 😂😂😂😂😂😂)
The bad side of that is this behaviours just puts up the premiums, no way the shareholders are gonna pay for that now...
Part of doing business
@@wobblysaucedoesn't make it right and obviously will push up premiums.
@@Farlig69 When an insurer puts up premiums, they offer less competitive quotes, and lose business to companies who waste less money. I'm not gonna claim the market is perfectly efficient, there's lots of variables like how well they estimate their risk and how many claims they _successfully_ suppress, but it's all costed in and I'm not sure we can expect them to take the most 'honourable' vs profitable course of action.
The insurer should face a sanction for their behaviour. I can't believe they didn't know they were in the wrong and made that poor bloke go through huge stress.
Insurance is turning into a scam, they have to provide profit for the shareholders, just look to the US to see what's coming...
It's normal,they will do everything not to pay out.
Don't forget about the financial ombudsman (FOS), I had the same issue, different insurer, and the ombudsman ruled in a similar fashion, before it got to legal proceedings/insurer reinstated policy and paid out.
Tbh, I went to the ombudsman, and they sided with me, and i only got the maximum 300 pound compensation. So only 4k out of pocket
When the complaint is transferred to FOS regardless of who wins,the insurance company has to pay £550 fine so in most cases they don't want to let the complaint go past their own complaints team.
An insurance company wriggling out of a claim? Never! Cant believe it!
They're legalised gangster mate. Bunch of fucking grubs
just had to get rid of my bike because of insurance in London, I was in similar situation to this guy with secure resident only parking with no way to describe it accurately on insurance
Gutted for you. It’s so wrong
Markerstudy pulled the same sh%t with me and effectively disbarred me from riding for 2 years whilst I (successfully) pursued a claim through the Financial Ombudsman. I will never get that time back and I will never knowingly use them again (beware - it's not always explicit who your underwriter is).
Great content, Thank you. At 0O:52 you state “Good Insurer” This comment is often made about insurance companys, if ever I hear this comment in person, I ask the question “ have you made a claim? “ the inevitable answer is usually no ! In my opinion there is no way of judging an insurance company until you need them. All insurance companies are Good ………. At extracting premium, as for anything else Mmmmmmm. Once again thanks for the content, I will never use this company as a point of principle.
Interesting to see the disconnect between the platform and the underwriter. Probably solved by a simple "other" with supplementary free type box!
If the insurer doesn't know risk of where the vehicle is stored overnight they can not give you an accurate quote. At least not without someone manually reviewing each entry of "other".
It's not very difficult to create a specific underwriting rule on these platforms which combines "Flat" in line 1 of address to "Garage" and either asks a supplemental question, or not quote, or load the premium for the risk.
I don't see how it's necessary, a gated parking place under flats seems quite obviously a "locked garage" to me, regardless of who else has Access
It’s not the consumers fault if the drop down options are inadequate, and the insurer doesn’t ask sufficient questions to assess the risk of your overnight parking during their phone call to confirm the details.
I’ve had an insurer full on request pictures of my bike in my garage, and pictures of the garage, before proceeding with the policy.
Love these videos with Gavin.
I went to their channel and subscribed as well, quality content thats entertaining and informative.
Knowledge is power well done 44 we need to know about experiences like this to help us falling fowl to similar shite.
With all insurance always remember that in the event of a claim everything the insurer or their assessor ask you is a question leading to either not paying out at all or paying out less. Say as little as possible and if you're not required to know the answer you don't know the answer.
Insurance companies are one step up from drug dealers on the morality scale.
I always get quotes online then call them up to finalise and go through every details. It started off with clarifying mods but now I just go over the lot. Always check your paperwork after you've bought as well, the amount of times I've seen details magically change when the documents arrive is mad
I did that and paid online before calling the insurer and they charged me an admin fee for updating the details straight off the bat, quite scummy IMO so yeah definitely pay on call not on the site first. There wasn't even an area to declare mods IIRC
Haha I thought Chris had decided to have lots of facial surgery
Would be an improvement 🤣
Excellent work, and good on that judge!
i love these! Gav is a great contributor, i love his explainations
Amazing, more of these please
These videos are the best
Gavin is awesome please keep this going
Really enjoy these talks - gives real world scenarios a story via an experienced legal advisor - keep em coming guys :]
Motorcycles are becoming uninsurable in London, having recently spoken to some London Motorcycle dealers, sales are falling through due to this! And to think many of those insurers are posting record profits!
The UK motor insurance industry made a loss overall in 2023. For example, Esure made a loss of £16.7m in 2023. This is why some premiums have gone up and insurers are trying to wriggle out of paying claims. Of course, they may have made profits in other areas.
BMW told me that they were going to introduce their own insurance as it’s getting very difficult to ensure a new GS
@@andrewmoorey556Just like JLR have attempted to and failed at? Problem lies within the CPS, Police and Border Security. GS’s are in the same group as luxury cars, organised theft to be shipped abroad. It’ll continue until they do something about it at a legal level.
Moving out of London 5 years ago was the best thing I ever did. Khan’s London, what a f*cking joke 🙄
Motorcycles are haram.
I cannot believe that a “inflated “ legal bill was even sanctioned by the insurers.
I’m a member and follow your channel. Why am I only seeing this video 2 weeks after it was posted. I was with Marker Study through a broker and had an accident and they use a company in London to repair your motorcycle. They tried to get me to sign an agreement to pay extortionate storage charges until the bike was repaired. I ended up using my local dealer to get the bike repaired.
Jesus, I thought Florida was bad for insurance (storms, uninsured motorists, etc.), but this takes the cake. Keep up the good work, lads!
I had my insurer cancel my whole claim (without my knowledge!) after their solicitor phoned me and I told him I wasn't injured. I didn't realise until after about 3 months when I inquired as to how my claim was progressing.
My bike was smashed to bits after a truck reversed onto me in the services. Full loss!!!
Really interesting, thanks
Bloody hell, Baron’s had some work done!
What a great topic!
Lived in London years ago and worked for a suicide charity. Had a nightshift (02:00-06:30). Pulled my bike out of a garage at 01:30, went back into my flat and made a cup of tea. It was gone by 01:45. Three blokes came along and picked the bike up with two disc locks on and lobbed it in a transit...it was a 700cc so not a featherweight. You cannot own anything worth having in London sadly...
Same happened to my SV650 but it was parked outside the back of my work. Mid day, 3 blokes, Transit van, Datatool alarm blaring and disc locks front and rear. They just chucked it in a drove off.
Something has to be done about the cost of insurance in London, it is eye watering.
It’s not the insurance it’s the scumbags that live their taking what isn’t theirs do something about them
Vote reform uk
It's been said many times before, but Gav is an sbolute ledge.
These videos are excellent... shows saving a few quid as well as one free Dominos isn't always the way to go
That was interesting, my MT09 was insured with 'brand x' off the bike insurer. Id had it almost 10 years and it was going to be my uk keeper, (i have another MT elsewhere). It was listed as being kept in a locked garage which it was but it got stolen in 40 seconds while parked outside a supermarket front door.
Some company id never heard of called 'markerstudy' contacted me and arranged a pay out in 10 days but i was advised to challenge the amount awarded and ended up with more than i paid for the bike 10 years ago PLUS 50 quid compensation for making a complaint. So .....
very brave taking on the underwriters. I've had my life ruined by defending a claim that went nuclear.
The problem with ringing is that the person on the other end only has a drop down list to select as well. The benefit is they choose so it's on them.
People *REALLY* need to understand this.
They are often "just" call centre staff ticking a box. I had car insurance and said I modified the suspension and then was going to return it to stock, and they said it's not possible to. Even though I explained what coilovers were. I asked what do they do where someone has multiple sets of wheels that may be different colours sizes etc and just got drivel.
When you speak to a human, they will twist your words to fit into their boxes, just like they did to the claimant in this case, where they put words in his mouth that the property was "public" even though it is private. And once said, like police, they will say it's impossible to take back, because somehow *THAT* recording is permanent, yet they can re-word their own statements indefinetly while they try to betterthemselves.
Insurance needs reform, but I don't know how they will tackle the monopoly of the bike and car insurance companies.
Where you keep your property has no bearing on insurance company policy. At least it shouldn’t be and my insurance company only asks if I store it on my property or not. Thats it, no other questions.
Marker study done their best to do me out of £1500 when my MT was written off. Also had involve legal help. STAY AWAY
Probably not bad advice, but I'm guessing all insurers try their very very best not to pay out.
Paying out was never the problem, it was getting the amount right. They tried all sorts of bollocks to undervalue the bike against market value
@@Rendall98same with me. They asked all service history and all bills from my last 5 years that I have owned my bike.
@@Rendall98thats odd, they valued my MT at market value but i was advised by the inspector to question it and i got 380 quid more than i paid for it 10 years previous plus 50 quid for being messed about!
There is also an inconsistencie between insurers. BeMoto told me my back garden could be classed as a locked compound as it had 7" high brick walls and a locked gate, But hastings won't accept that as a locked compound and raised my insurance
to be fair 7 inch high brick walls aren't that secure ;)
@@chrisd4642……👀
@@chrisd4642 😂
@@chrisd4642 now you know why I failed as an engineer 🤣
Do you mean 7 inch or 7 foot? 😅
The WEF you will own nothing and be happy..... starting with your insurance provider
Serious quesion, what were you born with? answer...your body and your breath. The rest is acquired and borrowed.
I'm currently in a personal injury claim due to a car sending me flying off my bike and breaking my collarbone clean in two plus other injuries. Unfortunately my representation have advised that the most I can get is 50/50 even though there is CCTV footage showing they didn't even indicate when turning into me but because the police mention some form of indication on their report even though they didn't see it we apparently can't contest the with no indicator let alone the fact I was clearly in mirror view and the car is equipped with proximity sensors...
I’m paying £2.3K a year for my bike in the midlands 🙃. Was 3.5K last yr. New rider, 1 yrs NCB. High miles but still… Only one quote in UK.
Couldn’t get insured in London!
The big take away here - stay away from London and any other dives where theives are allowed to run rife.
Vote reform uk
Another reason why I'm not spending £20K plus on a new bike anymore.
Top vid as always 👏
I hate dealing with insurance companies
I got some quotes online when upgrading my bike. all good
But when I called to to chat about the change over date(riding old one to dealer to collect new one)
I was told they couldn't insure me as my bike was not kept at my address (kept at my locked alarmed workshop 5 miles away)
But could insure me if it was left in the street
Really doesn't make sense sometimes 🤷♂️
Keep up the good work 👍
All insurers have their own quirks on things they can and can’t insure and a lot of the times seem very arbitrary - but vehicles being kept away from the home address is often a fairly regular decline for some bike insurers
Hi @@justinNeil1
The strange thig is
My last 5 bikes have been kept at my workshop with the same insurance company no problem
I am glad I'm not in somewhere like London as well
Could be that the appetite for what the insurance company would want to insure could have changed - meaning they no longer offer cover for vehicles kept away
Or they only do bikes up to a certain value kept away - so if you got a new bike and it was a higher value
Remember the reason insurance companies exist is purely because most people don’t claim. It is in the interest, or even vital for their survival long-term, to avoid paying out. Also be aware that this case is very specific and based on a technicality with the Bike Insurer website. If you rang them either to insure or renew then those recordings will be admissible and could well land you with a hefty insurer legal bill. Unfortunately the only way to win is to never claim.
The reason most insurance companies exist is actually to get your premium(s) in for the year and re-invest them to get earnings for themselves from them.
Underwriting is not profitable on its own but it creates a lot of secondary business for them.
Great video as ever. Always a very interesting & often startling watch. I've never heard of Markerstudy, sounds like I was fortunate. It's also a stupid name lol.
They are the insurers so You may not have heard about them but most brokers use them for example bikesure uses this insurer.
@@GFDiablos1984I've since found out their trading name is Zenith which I have heard of but didn't realise Zenith & Markerstudy (still a stupid name incidentally) were the same company. Either way, not impressed with this story.
I had this conversation with an insurance rep while callig to find out why they were hiking my rates "well you e moved to a high crime area" but im only taking out 3rd party...
Damn, if I got tricked by a question from the insurance company and was out my claim plus owned them $30k, violence starts to look appealing.
I’m 21 and it costs more to insure my first 125 now than when I started at 17 despite having gone through A2 and now full A with no points and 3 year NCB. Got an 890 duke R before I passed my full A as quotes said 1-2k then 3 months later I am getting quoted 6+
Insurance companies need regulated... they are sleazy scammers!
so what were the 4 drop down options the judge said could have been chosen to represent an underground carpark?
I would have thought parked on road or driveway were the two exceptions, and any of the other four options were okay. However I am not legally qualified.
I have the same situation. Locked in an underground carpark which is monitored by CCTV with on site security. Yet, there's no option for that in the Insurers options. When I am sure it occurs a lot in city centres.
What solution did you reach? Did you call the insurer to explain?
The option for a car regular car park would be the correct option - regardless of CCTV or security etc
Fair play to the beak.
The burden of proof is on the insurer to prove that the policy holder was recklessly or knowingly dishonest. There are loads of FOS decisions highlighting this.
Apart from if the policy holder knowingly said it wasn't on a public street when it was, I can't see how that hits the threshold.
That Markerstudy's external counsel didn't spot this is very poor.
If you sorted the policy verbally and told them where the bike was parked, which of the six choices would the insurance co decide was the best fit and even though it was judged that four where legally the same I wonder what the premium difference was for each one.
I wonder if the client look out legal cover as part of his policy to cover the potential loss through legal costs?
If you want cheap insurance just move to an area with low social housing and migrants. I pay pennies for insurance on my cars and bikes while living within an hour of central London.
The government needs to get a handle on insurance companies and crime as soon as. Alot of our economy depends on people buying goods and services, yet everyone I speak to doesn't want to get anything too nice (cars, watches, laptop etc) as it will likely just be stolen! Insurance companies need massive amounts of regulating. You are required by law to have it, but the insurance companies can do what they like and ask in the ins and outs of a ducks arse.
Notice that any insurance finder website for motorcycles does not ask You for Your modifications,why because they can later say that You lied and didnt tell them.I advise to go on the website of the chosen insurer and edit the details,some of them will have more questions and You will be able to advise them on modification You have.
BMW staff who ride staff bikes are not insured inside the M25 at all. There is a crime group specifically targeting BMWs motorcycles in London. I reckon they use just eat or food delivery riders as spotters
Had my R1250R taken near the oxo tower
There will come a time where you wont be able to get insurance in London
Or Edinburgh
It’s not far off now
So, i have my bike in an Asgard motorcycle storage shed in my back garden, purpose built, police & locksmith approved.
That does not show as an option on any site as it's not a garage (Bennetts do acknowledge it though) but seeing as out of the options available to choose from 'garage' is the most accurate i should be covered if i dont want to go chasing insurance companies on the phone or accept my renewal out of ease every year?
When I came to insure my bike I was asked where the bike is usually parked at night. I work permanent night shifts and use my bike to travel to work, so my bike is 'usually ' parked at work in a secure car park.
I hope I never have to claim and open up that can of worms.
Unless you’ve called and spoken to an insurer and have this all in place with them I would heavily suggest you do
When asking where the bike is kept, they are pretty much asking what the conditions it’s kept under at home are
And then if you’ve selected commuting on it’s usage - you are then covered for it being parked at work
The fact you work nights doesn’t really change anything you see
Most policies have wording on what is classed as “being at the home address” if it’s not clear - call and ask the insurer
most used to have the rule that if the vehicle was within a half mile radius of the home address then that is classed as being at home and would need to under the conditions of which you have said it would be when at the home address
When out and about you obviously can not take a garage or a ground anchor with you
But if you said it’s alarmed, immobilised and has a chain - then these would be expected to be used when parked at work or where ever (again outside of the zone deemed to be the home address by the insurer)
I first heard of Markerstudy around 5 years ago, all I found were bad reviews, not that any of these underwriters have 5 stars but they were the worst.
Had to get rid of my bike last week because they wanted too much to renew and I had 9+ years no claims. When I heard over a grand.... Like "what?" :/ Maybe I'll join everyone else in moving to Australia.
Genuinely, is there such a thing as an honest insurer? I've yet to work with one that actually is there for you. All of them make you jump trlhrough hoops should the worst happen.
Isn't insurance great.. until you have to claim!!!
Bennetts classify my bike ‘as being parked on the road’ even though it’s in a secure residents only underground car park. My insurance is therefore higher with the risk I might not get insurance in the future, the way things are going.
Because all the residents have access to the parking so Yes that is correct in the insurance terms.
very well explained ... also a good exercise for ~90min. english in shool 😁🇩🇪... unce upon a time we are perfect in english 🤔 and can ride 😂 too
however , how is the searching process at a country (two scotland) which is sourrounded by water (irish.- and northsea) ...that a bmw product bring so much fun - yes - we can remember about the storys for the beaching offroad motorbikes where people fight till their end only to own a "made in germany" ...should i swim to great britain and are supermodels just in time at the coast-line ...🥳 ?
WHAT??
Don't do drugs kids
Any chance you guys could look into travel insurance for Bikers. More than once recently I have heard that travel insurance will only cover someone who rides a 125cc motorcycles!
Nathan Millward recommended someone. Nathan the Postman on UA-cam. fairly recent video. cant remember details. sorry.
Lads make sure if your off bikes for anything over 2 years insure yourself on your mates bike or something otherwise you lose all your no claims. My insurance is now like 3k for anything over 100hp😑 goes down to like £900 with 1 year NC....fuck sake
3k?? That’s absolutely savage
@luketerry1745 at least!!...garaged and over 30 as well😑 just gna have to deal with a middleweight till next summer I guess.
I don't understand what you said can you rephrase please
Whenever I've taken out insurance the insurer has always asked me to go through all the details and confirm that they're correct, so if I was in this same situation would I then be the one at fault for not noticing a detail is incorrect? In regards to where a vehicle is kept, obviously an insurer can't expect a vehicle to always be parked up in a secure garage even if that's what it says in the contract (for example if the bike gets stolen from a place of work's carpark, a public carpark, or the garage is out of use for some reason), and so they can't deny coverage in those situations. In which case what is stopping someone from claiming they store their bike in a garage, or in their garden, or any other secure location and never actually doing it and just parking on the road outside their house?
Most policies have wording on what is classed as “being at them home address” if it’s not clear - call and ask the insurer
most used to have the rule that if the vehicle was within a half mile radius of the home address then that is classed as being at home and would need to under the conditions of which you have said it would be when at the home address
When our and about you obviously can not take a garage or a ground anchor with you
But if you said it’s alarmed, immobilised and has a chain - then these would be expected to be used when parked at work or where ever (again outside of the zone deemed to be the home address by the insurer)
Over here in the states my insurer doesn't even ask where the bike is stored. Same for car. And I live in a city. I guess things are different in the UK? Or maybe just London?
here in kentucky they ask my zip code and if its in louisville cost is higher
Be interesting if you have a freedom of information act where you could find out if their lawyers actually ended up charging the insurer that 30k?
The locked garage is confusing. I have a crocodile electric roller shutter garage door that can only be opened with a remote or from inside the house. Is that classed as locked? If anyone tries to force it up an alarm sounds. I also have a door sensor fitted that notifies me of its state
Call the insurer and ask. That's the entire takeaway from the video.
Could I get the case citation please!
If it has wheels, a skirt, or shareholders...
They might just as well bend one over the pillion seat and stick a large Thatcham Approved, Gold Standard D lock where the sun doesn't shine... They'll try every way to wriggle out of paying up.
Sorry a Gold Dildo is not a supported security device, please select one of the following options which are over five years old.
Sounds really familiar to something with my brother here in the states he was doing pizza delivery late at night middle of the week in a rain storm got into a little accident with someone driving sketchy and had a little he said she said and wound up with his insurance paying out. But they then hassled him non stop over what he was doing out and about at 1 am on a Thursday in a downpour until he admitted he was using his car for work in a way that wasn't explicitly covered in his policy and they took his license away. So I guess insurance companies are scum anywhere you go.
My bike is kept in a concrete lockup on the next street up from me, insurance does not have an option for this, even if i tell them on the phone, alos i tried to insure a bike that had to sit on the public road, it was a non runner, but still mot and taxed, they asked how many miles will you be dong, i said none, as the bike is broken, none isnt an option, she said i have to mark in 2 thousand miles a year, i said thats a lie, you cant get insurance that actually fits what you need.
Generally speaking - vehicle insurance policies are road going policies - some insurance companies used to and may still offer storage policies but normally they require a locked garage
Runner or non runner - if it’s parked on the street - then it’s on the road and the insurer you were speaking to may have only had the option for up to 2000 miles as a lowest option
You then don’t have to do 2000 miles - you can still do 0
However if your plan was to fix it an then get back on the road - you wouldn’t have to call and tell them unless you were planning to do more than 2000 miles of course
4:25 and what happens if your bike is knicked on the street when you are out and about?
Not covered as its not in the garage it's ridiculous
Most policies have wording on what is classed as “being at them home address” if it’s not clear - call and ask the insurer
most used to have the rule that if the vehicle was within a half mile radius of the home address then that is classed as being at home and would need to under the conditions of which you have said it would be when at the home address
When out and about you obviously can not take a garage or a ground anchor with you
But if you said it’s alarmed, immobilised and has a chain - then these would be expected to be used when parked at work or where ever (again outside of the zone deemed to be the home address by the insurer)
Don’t think insurance in London is the issue it’s the scumbags that reside their that need dealing with taking what isn’t theirs
As for makerstudy they fell on my lap after I was insured through Adrian flux when I binned my car no one else involved other than low balling me 2500 off the bat they then gave me market value for my car was all sorted within a couple of months but after reading reviews on Google I thought I’d be in for a right time of it
Do they not think we use the vehicles we have to insure ??
No mention of sim-tracking devices in the comments. Do UKers not use the many available anti-theft techs?
Many do, but the police do F all when a stolen vehicle (car, bike or van) is reported to them. Ask me how I know, I dare you.
Did you guys see the new Buell coming out in 2025? Holy macaroni dudes. 186 hp It's on the Kaplan America YT Channel
It would be useful to know how much information you have to share with insurers when you make a claim (accident or theft).
I've had to do both. For the accident they sent me forms which I had to fill out and provide a statement of my version of the events - but I also had a camera recording the whole thing which they said made it an open-shut case. In that case just provide them what they ask for.
Theft was different. I barely had to fill out any paperwork, they sent someone around to take a couple of pictures of the damage (I had a tracker on the bike so I was able to get it back, 🖕to the thieves), and then shortly after the insurer made an offer since it was deemed a Cat B write-off.
Will still have to claim he had a no fault claim on his next insurance and when they as the amount and he says 45grand…..he’s not getting insurance anywhere!
No, it’ll be the agreed amount for the bike only. Court costs for the legal case are not a part of the insurance claim settlement but the resulting court case.
So because I have a low opinion of insurance companys, youtube censor me. See how they work?
It's a dirty industry. Don't trust them
Chris looking pretty good now with a tan and proper haircut
So, where would I stand if I have my bike insured in my secure private garage, go see a friend and have the bike outside and it gets stolen? It's always been something I've wondered about...
The terms usually say if the bikes stolen from with 1/4 mile near your house, but not in locked garage, then no cover. If you ride to a friend's house who doesn't live on the same road, and it's stolen, youd be fine
Most policies have wording on what is classed as “being at the home address” if it’s not clear - call and ask the insurer
most used to have the rule that if the vehicle was within a half mile radius of the home address then that is classed as being at home and would need to under the conditions of which you have said it would be when at the home address
When out and about you obviously can not take a garage or a ground anchor with you
But if you said it’s alarmed, immobilised and has a chain - then these would be expected to be used when parked at work or where ever (again outside of the zone deemed to be the home address by the insurer)
Was the judge a biker :D:D:D
If I add a tail tidy to a bike after I have insured it and told them everything about it, do I need to tell them? would that affect the cost?
I've had a tail tidy on my bike for years and always passed the mot so must be legal. Shouldn't be a problem.
Passing MOT is one thing. But if I have it and then the insurance company sees it after an accident will they say you didn't declare that. Insurance invalid?
Chris has lost 5 stone
AL is looking like a Fed
Guy lied on his insurance form saying his bike was kept in a locked garage when it was kept in an easily accesible car park. Lucky he got away with it.
Keeping on theme... I'm a new biker looking to insure my first bike at the age of 33. T100 if anyone cares. Where's the best place to go?
It really is a no correct answer unfortunately. I see a lot of people talk about Carole Nash etc getting best quotes for them. I'm 31 and strangely Hastings have been the cheapest for my area and circumstances for the last 2-3 years. Also admiral being cheapest for my car insurances. I'd suggest going through different comparison sites and trying a few directly (try avoid doing on one browser or use private browser).
Do a comparison check but in my experience avoid Go Sk*ppy like the plague!
If you want a good deal...abroad.
I had exactly the same situation. My bike was a Husqvarna Vitpilen 401 (£3500) and went missing from the multi story car park attached to my block of flats. Fob activated entry and "public" to the residents. Same thing, i picked garage as it was the most accurate of the options on the website with the other being, street, driveway etc. My insurance refused to pay, the first time i spoke to them on the phone after the theft they tricked me into saying its not a normal garage and then he sounded evil on the phone as he knew he had me 😂. One word for these guys it starts with C and ends with unts. I went to the financial ombudsman and whilst speaking to them the insurer gave provably false info twice and they still turned me down. Is it worth me looking into this route given I'm not "high risk"?
I’m sorry but if it’s a multi story car park… it’s a car park. The clue is in the name “multi story car park”
Regardless of security, fobs, CCTV etc - it’s a car park
@@justinNeil1 did you watch the video with sound on?
Yes, the guy did not win his case because the court determined the car park to be a garage - the insurance company lost because they were unable to prove he had intentionally falsified his details and it was an error in judgement from the customer as opposed to insurance fraud - huge difference