A question for those that have had a bike stolen

A mate had his bike nicked recently, and is currently going through all the
insurance dramas. Latest thing is they want him to provide a police report
of his driving history, criminal history etc,. and they want him to pay the
$60 to get this report.

Is this normal, both to ask for the report, and to expect him to pay for it?

Jules

 

it?

Hi guys,

Yes, this happened in my case. However, here in NSW I recall it only
costing me something like $15 or thereabouts, (unless it's based on a page
count...) I had 1 page full, but I'm told there are many who have
reams of the stuff... No, seriously, this appears to be standard practice.

I asked my insurer (Swann) about all this and they're just trying to
ascertain that the insured hasn't lied about any DUI or loss of license
offences in the insured period.

Anyway, hope your friend gets through it all OK - sorry to hear about the
theft, it's a crappy thing to endure.

Cheers,
Dave ZZR600 => ST2 (stolen) => '03 XX

 

I suggest your friend reviews his insurance contract, and engages a
solicitor to assist him in his claim.

In my view your driving history has nothing to do with a theft claim, and
criminal history is similarly irrelevant.

Boxer

 

nothing to do with the theft claim , but a lot to do with when you take out
the policy

they usually ask questions about your last 5 years history and if you have lied
they can and prob will cancel your policy

thats why it is important to be careful about how you answer any questions
when you take out a policy

it might increase your premium or some mightnt insure you , but its a shitload
better than an insurance company refusing to payout the $20K becasue you told fibs

BTW NRMA doesnt ask about driving history through their online policy system which is strange
just ask about accidents /thefts etc in the past 5 years

 

Ive never had to . if they want it then they pay.. most unusual and one
has to question just how hard is the Insurance wriggling to escape
paying ?.

 

I did ask the insurance company about this side of my claim and as I said
earlier, they're just trying to determine whether the insured hasn't told
them about a very serious offence.

In my case, I had forgotten to tell them about a minor speeding fine and was
nervous as hell about that. When I'd realised this offence (60 in a 40
zone) was actually within the last 5 year period I called them and told them
that I'd overlooked it. Their response was - no problem, we're just wanting
to know about major things, such as disqualification that hasn't been
disclosed.

I guess if you take the view of an insurer, such information could be seen
by the 'reasonable man' to be fair enough in the context of insuring an
individual.

Hope this helps,
Dave ZZR600 => ST2 (stolen) => '03 XX

 

In my view your driving history has nothing to do with a theft claim, and

Even with past convictions for fraud? Or maybe vehicle theft? That's seems odd.

 

Which company?

 

----------
in the last 5 year period I called them and told them

Dave

Don't want to rain on your parade but... insurance companies can get very
fickle. One minute they're all chummy while they trawl the information that
they want, then they can turn around and say it DOES matter if it suits
them.
While a speeding fine may have no direct bearing on your claim, if they can
get out of the claim by proving that you were in breach of contract, they
may choose to do so.
This is strictly a worse case scenario, given the $$ involved, they may not
bother. I've had unpleasant dealings with an insurance company this year,
but then the stakes are the $1M plus area so you expect them to play hard to
get (it was just the sudden chummy to nasty that shat me off)

Stuart Thyer

 

You really did try to squeeze the Trannie past the chimney, eh?

Ah, the way their little faces change when you say "warranty"
in the showroom ....

-----sharks

 

Someone else Dave Ello I think had to do the same.

So if he has lied about his driving history, bye bye claim.

 

Thanks Dave and everyone else. I figured it was something like that, but
Steve is pretty upset, as you can imagine!! No idea why the $60 cost
either. Still, if it helps him get some recompense, all well and good.

Jules

 

NFI to be honest. I will set super-sleuth Deb on the case!

 

Bugger....

 

Johnnie5 said....

Jo> it might increase your premium or some mightnt insure you , but its a
Jo> shitload better than an insurance company refusing to payout the $20K
Jo> becasue you told fibs

Depends. If you don't have insurance cos you were honest, you're still
without a bike. If you do fib and do get insurance, then there's only
the risk that they'll find out. And if they do, you're only worse off by
the cost of the premium that you paid, compared to not having cover.

I'd only consider lying if I had a really bad history. Swann and CGU
(for the car), didn't seem to give a shit about 2 speed camera tickets
in the past 5 years, when I applied for insurance, and in the case of
CGU, when I made 2 claims in the past two years (one to repair $5k
damage when a roo clouted the car, the other when the missus scraped
another car at an intersection ($1,500 damage all up).

Only problem that I've had with insurance, is when Allianz took over CIC
when HIH went arse up. It refused to renew the cover on my SS Commodore
"because it didn't meet Allianz's guidelines". Well, in that case, nor
does my house/contents, or my other vehicles that I have insured with
you, was my response. Last I heard, Allianz was still recovering from
this massive loss of trade. French faggot arsewipes...

 

My mate had his stolen from a secure garage, and the theft was videoed by
security cameras. Police confirmed the van used was also stolen. No doubt in
their eyes that it was a PRO job (the bike was a tricked up R1). The
insurance company dragged the claim out for 18 months refusing to pay. The
basis of their argument was that when he had taken out his original policy 2
years previously he had declared he had purchased Data Dot. Even though it
wasn't a policy condition. He did not have it installed on the bike. because
they claimed that in his third year renewal they had added an additional
clause that he must have it installed.
He had to engage a solicitor who was able to get the insurance co on a
technicality that in NSW any amendment to a policy must be by separate
correspondence and cannot be just included in a renewal notice.
I also think part of the problem was that he got the insurance thru a broker
and in the end it was covered by 6 underwriters with the final underwriter
being Lloyds of London. Talk about complicated. Guaranteed to be a pain in
the neck if needed to make a claim.

 

and worse off by not having a bike and having paid for cover that they
refuse because you told fibs

all insurers do different things

mainly they are looking at licence suspensions
high speeds
Drink driving

thats it **** em , if they dont want all your business then give them none and tell everyone

 

Motor vehicle insurers are only the second biggest thieves. At least they
give you credit (NCB) for having a good driving/claim history. Private health
insurance companies are the biggest thieves. They charge a healthy person the
same amount as a sick person, even if you never make a claim.

Nev..
'02 CBR1100XX #2