Equity Red Star - bunch of cnuts.

Insurance renewal from ERS - £593 - doesn't sound bad does it, this is
including the 2 yrs NCB.

Cheapest I can find elsewhere - £408, requiring 2 yrs NCB - that sounds much
better.

Ask ERS if they will release 2yr NCB certificate "Oh no Sir, you have a
claim open - we will only apply the 2yr NCB if you renew with us, we won't
release it."

That's sodding blackmail as there is no way they'd do the 2yr NCB offer if
they didn't think it would stay - I mean how would they get the money out of
me?

Bunch of f'ing cnuts and once again, something unmentionable towards the
driver of the peugeot.

Still, something else to add to the solicitor's list of things I want paid -
I simply would not be in this position if weren't for that blooming
accident - and now because the Plod are considering prosecuting him there is
no way they'll admit liability, because that would hinder his case.


Argh....

 

Point is, as I read it, he hasn't got any NCB at the mo - it's 'suspended',
pending the outcome of a claim; standard insurance industry procedure, is
that.

The fact they will still take it into account if he renews with them, is a
gesture of goodwill... whereas the price they're stating including this
alleged NCB, is proof they're almost certainly seasonally adjusting the
figures to suit themselves.

Gawd bless 'em!

 

And if I push them on it/complain , they will almost certainly remove said
"gesture" and the renewal will be £1000+

Needless to say I'm printing out/having posted the cheaper quotes and I will
be including my insurers renewal letter along with these in a nice letter to
the solicitor requesting 3pty repays this as well as a few other things if
(and bloody well hopefully when) they get round to admitting that he just
possibly was at fault.

Lesson for anyone else? Get crashed into just AFTER you renew your
insurance, not before.

 

If you're determined to have a go at forcing the issue, if they haven't
already put this 'kind offer' in writing already, ask them to do so.

I can't see it being stated that 'this offer is subject to you being a good
boy, and keeping your trap shut', and I certainly wouldn't ask them to
elaborate in writing; sometimes it's better to have less, than more in
writing, IYSWIM.

As it stands, I think they've got all the cards on this one - you've made a
claim, it's an accepted practice that NCB is suspended until such times as
it is reinstated, and if you complain to the ombudsman etc., they will wax
lyrically to them, about how they're shocked you could think such thing
given how nice they are, letting you still use the technically suspended NCB
with them, after all, they value you and your custom.

Your other quote, assuming they don't add loading for no NCB, works out to
£741 per year, without NCB.

If you're *damn* sure you're going to get 100% settlement in your favour on
the claim, then might be worth just going with that (if ERS have annoyed you
that much), and then look forward to the eventual nice fat refund you'll
receive, when you get your NCB reinstated.

 

I have not made a claim - my ins. co have had to pay £0 for this accident.
They are saying the other party may still claim.

Yes I know, but see above. Why are they offering me the NCB discount if they
think there is a chance it will be lost? Surely the paperwork would have
then said "£1000+ BUT we will refund you if NCB is kept" - otherwise can you
tell me how they are going to get more money out of me if I do lose the NCB?

How do you work that out? Without NCB AXA (the underwriter) will NOT insure
me. Therefore I cannot take up the policy at a higher price with the
prospect of cheaper refund, because I can't get the policy.

Therefore this is COSTING me £185. Literally.

I can't - see above.

 

The bit where you refer to the solicitors list of things you want paid sort
of suggests you are going to go looking for damages from a third party, in
other words a claim of some description...

Given until blame is determined, you both could be technically liable,
insurers will suspend NCB until such times as it is resolved, for both
parties; you may not be claiming for your own damages off your own insurer,
but they may still be liable for third party damages etc.

Then they make lots of lovely money in the interim, on the interest
generated on said extra premiums etc.

The fact the other party haven't launched a claim at you straight away is
all good... assuming it's not because they're physically incapable due to
the injuries they sustained... ;-)

Anyway... how long ago was the incident in question, have you had an initial
indication of what they claim is damaged, and how much the estimate to
repair is, etc.?

 

You obviously missed the details.

Have a look at http://www.boylett.org/010804

I was hit, from behind, by a car that tried to filter down a lane of traffic
stationary at a red light controlled junction, hitting two other cars before
he hit me, ending up pushing us both over the line of the junction.

August 1st.

, have you had an

Nothing whatsoever - they haven't approached my insurer at all. Third party
ins. co. has already paid for and repaired my bike, and AFAIA the other
vehicles involved in the accident.

Plod are offering him a mandatory driver education course, failing that
prosecuting. They are not investigating any other vehicle involved.

 

JackH wrote

That is not their money. Consumer protection law, as it has been
explained to me, has it that it is yours.

 

When taking out insurance for the Varadero whilst waiting for the claim
for my ex Thundercat(FBOTY#2003) to be resolved I had to pay full premium
and got £250 refunded when I provided the letter from the previous
insurers saying the claim had been settled in full and my NCB was restored.

 

It may well be 'yours', but in an example such as when I did almost enough
damage piling into the side of A N Others 4x4, on a roundabout, I was paying
way more premium during the 2 year interim it took to get the twat concerned
into court... so given I was paying *way* more for my insurance due to
suspended NCB and the associated loading of my policy, due to said claim not
being settled, and it therefore was still technically against me in that
time.

I know my insurers had the extra money I was paying during that period,
because my bank statement shows this... so are you saying they do sod all
with the money in the interim, or that they use it?

 

Not been back that long, and don't read *every* post that flies through here
anyway - 'things to do, people to see', see fit to that.

Clumsy ****.

Ok... now it all makes sense - I'd go for the throat if I were you, with
regards to ERS, cos if the TP insurers have coughed for your bike already,
then they've admitted liability.

Given what plod are doing as well, seems it's all in your favour, so I fail
to see what ERS are playing at, bar being extremely thick cunts.

 

'Scuse non snippage.

Does your renewal notice from ERS (not the broker, but ERS themselves) state
2 years NCD. If it does, then this is all you need to prove the NCD to
another insurer. If it doesn't, they have you by the short hairs.

--
Dan L (Oldbloke)
My bike 1996 Kawasaki ZR1100 Zephyr
M'boy's current bike 1990 Suzuki TS50X (Heavily fortified)
M'boys NEW bike 2003 Honda NSR125R
BOTAFOT #140, DIAABTCOD #26, BOMB#18 (slow)

 

Renewal notice is from the broker ;-)

 

Hmm, well in that case the ERS renewal notice is prolly with the brokers
then. Have you tried phoning them and asking them to send it to you, all
innocent like.

--
Dan L (Oldbloke)
My bike 1996 Kawasaki ZR1100 Zephyr
M'boy's current bike 1990 Suzuki TS50X (Heavily fortified)
M'boys NEW bike 2003 Honda NSR125R
BOTAFOT #140, DIAABTCOD #26, BOMB#18 (slow)

 

Yes - hence the comment about the NCB only applying if I renew.

 

I've thought about this and decided that it must have happened because
the myopic old **** had been trundling along behind you and had fallen
into a tunnel vision hypnotised state where he was simply going to
follow you wherever you went.

My conclusion is that it's entirely your own fault for riding so slowly
as to let some doddery old git match your pace. Smarten your act up
pronto.

 

So you're advocating ignoring red lights then?

 

It appears to me that the brokers are being cunts then, if they have a
renewal notice from ERS with 2 yrs NCD on it. I have never heard of an
insco only allowing NCD if you renew with them, either there is a claim
pending or there isn't.

Doesn't seem quite kosher to me.

--
Dan L (Oldbloke)
My bike 1996 Kawasaki ZR1100 Zephyr
M'boy's current bike 1990 Suzuki TS50X (Heavily fortified)
M'boys NEW bike 2003 Honda NSR125R
BOTAFOT #140, DIAABTCOD #26, BOMB#18 (slow)

 

I'm advocating taking the piss as it happens.

 

Potentially.

For now, no choice really.

But I will remember and will ensure I use neither ERS or the broker again.