Insurance Claim Question/Problem
Discussion
Hi everyone, I have a question/problem that I need help solving.
Here is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the s
t by sending them my paper license which shows that I lied in the first place.
Thanks in advanced and apologies if this forum is strictly car related.
Andy
Here is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the s
t by sending them my paper license which shows that I lied in the first place. Thanks in advanced and apologies if this forum is strictly car related.
Andy
Haha come on guys give me a break. Rather than make me feel even more stupid you could try and help me in the spirit of christmas and all 
Now i understand my situation, but the letter i got off the insurance stated that they needed my permission to get any details from the police and the dvla and that i had to sign the letter and send it back with all of my documents. At the moment they havent even got the crime number as i have only just received it myself.
The letter states that if i dont take any further action in 30 days they will close the case and assume that i dont wish to claim.
My question was IF i sign this letter and send my paper license off will i open a bigger can of worms for myself?
Again go easy on me haha.
Now i understand my situation, but the letter i got off the insurance stated that they needed my permission to get any details from the police and the dvla and that i had to sign the letter and send it back with all of my documents. At the moment they havent even got the crime number as i have only just received it myself.
The letter states that if i dont take any further action in 30 days they will close the case and assume that i dont wish to claim.
My question was IF i sign this letter and send my paper license off will i open a bigger can of worms for myself?
Again go easy on me haha.
kiethton said:
I'd just be up front with them and say - if you make a good impression and are personable (especially with a smaller outfit) they may be more willing to help. - "Here is my crime number, however it has come to my attention on reviewing my documents that my convicetion was more recent than I origionally thought, would this pose a problem?"
Worst that would happen is that they don't pay out as they wouldn't normally have insured the risk, the best is that they pay out for your loss after deducting an amount for the additional risk covered according to your conviction risk weighting. (they may take the piss in this respect as your now captive).
There is no point in not doing anything as now you have let them know it will be on your insurance record as an incident and will be risk assessed for the next few years so you might as well try to recoup some funds as you have suffered a loss....worst case is you'll be in the same place but there is scope for some significant upside.
Right that has cleared things up for me a little bit. I might just have to bite the bullet and come clean. I am afraid tho that i may lose my license for what is now me driving without valid insurance. I am stuck between a rock and another bigger rock. Worst that would happen is that they don't pay out as they wouldn't normally have insured the risk, the best is that they pay out for your loss after deducting an amount for the additional risk covered according to your conviction risk weighting. (they may take the piss in this respect as your now captive).
There is no point in not doing anything as now you have let them know it will be on your insurance record as an incident and will be risk assessed for the next few years so you might as well try to recoup some funds as you have suffered a loss....worst case is you'll be in the same place but there is scope for some significant upside.
Even if i dont take my claim any further it will still be on record? Bare in mind the insurance people still dont have the crime number. All i have done so far is reported it to them.
Thanks for the help.
[quote=graeme4130]Haha, I just 'forgot I'd beed banned from driving'
We're not your insurance company, you don't need to lie to us
A better question would've been ;
I've lied to my insurance company, am I f@@ked ?
The only thing you have on your side is that it's a theft claim and not a riding accident where you (and your somewhat higher than declared risk of riding) are not at fault
Right ok ill ask the way you want me to ask.
I lied on my insurance, am I fked?
Happy now?
We're not your insurance company, you don't need to lie to us
A better question would've been ;
I've lied to my insurance company, am I f@@ked ?
The only thing you have on your side is that it's a theft claim and not a riding accident where you (and your somewhat higher than declared risk of riding) are not at fault
Edited by graeme4130 on Thursday 21st November 09:56
[/Right ok ill ask the way you want me to ask.
I lied on my insurance, am I f
ked? Happy now?
randlemarcus said:
I suspect that this might be the insurer offering you a chance to withdraw the claim before you commit further fraud. Accepting this offer will probably put you on a cross-insurer database that says "withdrew claim after fraud reminder"
General life lesson is "don't lie when it is so laughably easy to prove"
Ok so what do you suggest? The guy on the fone said due to data protection that i had to give permission before they could go any further i.e me signing a letter to give them permission to look at my details. General life lesson is "don't lie when it is so laughably easy to prove"
Couldn't i just simply withdraw my claim?
I understand what you're saying but i don't understand why i simply just cant ignore the claim and move on. Surely if they already knew about my untold conviction they wouldn't have insured me in the first place.
As far as they know I could just simply not want to claim for whatever that reason is. Wether it be i have the bike back or whatever. They don't have permission to communicate with the police just yet as i have not given them a crime number.
Dracoro said:
I suspect it's rather your inability to read smilies in a post. Everyone could clearly see I was making a joke (hence the smilies!!).
Anyway, have a cracking Easter.
(that's a laugh smily by the way). 
- do I need to explain that one
Haha I get that you were making a joke, however it doesn't help my situation. Anyway, have a cracking Easter.
(that's a laugh smily by the way). - do I need to explain that one Thanks anyways though. You rock!
mrmr96 said:
My bold.
Yes, you are probably correct about that. Think about how insurance works. They want to take on policies, but they don't want to pay out claims.
When you take out Cover: They ask questions, you provide answers, they accept your answers as true and offer you cover for a price, you accept. They now have your money any a policy is in place. If there's no claims they are happy as they get to keep your money.
When you make a claim: It's in their best interests to now look for any reason not to pay out. So all the info you gave them up front, which they took at face value, they will now seek to verify. Since any discrepancies could potentially give them valid grounds to reject a claim. It's sometimes at this point that someone who's made a genuine error on their original docs will find out. It's also at this point that liars such as yourself will be found out.
The insurance co will be more than happy for you to drop the claim and they can keep your premium. That's basically pure profit to them.
I hope that gives you an insight into why they don't bother to verify the info you pass over when you apply for cover, but they do go over it with a fine toothed comb when you want to claim. Twas ever thus.
Thanks. Yes, you are probably correct about that. Think about how insurance works. They want to take on policies, but they don't want to pay out claims.
When you take out Cover: They ask questions, you provide answers, they accept your answers as true and offer you cover for a price, you accept. They now have your money any a policy is in place. If there's no claims they are happy as they get to keep your money.
When you make a claim: It's in their best interests to now look for any reason not to pay out. So all the info you gave them up front, which they took at face value, they will now seek to verify. Since any discrepancies could potentially give them valid grounds to reject a claim. It's sometimes at this point that someone who's made a genuine error on their original docs will find out. It's also at this point that liars such as yourself will be found out.
The insurance co will be more than happy for you to drop the claim and they can keep your premium. That's basically pure profit to them.
I hope that gives you an insight into why they don't bother to verify the info you pass over when you apply for cover, but they do go over it with a fine toothed comb when you want to claim. Twas ever thus.
So without dragging this on what would you advise me to do?
Should i just simply forget about going any further and cancel my insurance altogether?
And if so will there be any further action? I am not looking to get any money out of them i am just looking to not get into any further crap.
Can i just ring them and say my bike has turned up and that i am taking it off the road?
Or is it in my best interest to tell them about my "error" and accept the consequences?
ikarl said:
what's the value of the bike?
personally I would phone them and tell them not to progress the claim, you may choose not to do anything and let the 30 days lapse
The value of the bike was £1600personally I would phone them and tell them not to progress the claim, you may choose not to do anything and let the 30 days lapse
The idea i have now is to ring them up and say that i must have dropped my keys somewhere and that must be how my bike was taken. Thus making it my own fault and therefore the claim is void. There should be no need for me to send any further documents and i can then just cancel my claim.
Would that work? I am getting mixed reactions from you lot. I dont know who is pulling my chain and who is genuinely trying to help me.
RSoovy4 said:
It's too late to be helped.
You've lied and lied already.
The police are involved, and so are your insurers.
It simply beggars belief that you "forgot" you were banned. You were riding uninsured and your insurers will put you on a blacklist.
You're f cked.
Again, any advise? Haha its all good and well telling me how fooked i am but i am still in the same boat i started in. You've lied and lied already.
The police are involved, and so are your insurers.
It simply beggars belief that you "forgot" you were banned. You were riding uninsured and your insurers will put you on a blacklist.
You're f cked.
What do i do next?
Is there no way of just stopping the claim? The insurers dont have any crime number or any contact with the police. All that has happened so far is i have told them it has been stolen. No claim has been made yet.
scrwright said:
don't lie some more. Just say its not worth proceeding with the claim and withdraw it. Say no more. Oh and cancel the policy pronto.
Thank you!! Finally someone who hasn't made me feel stupid.
That is all i wanted to know. That was if i could just simply cancel the claim.
I just didn't know if it was that easy.
I am going to ring them and tell them its not worth claiming.
Job done.
RSoovy4 said:
I can't give you advice, but you know what the right thing to do is.
Your question, really, is "how do I get out of this without any consequences?"
The answer to that, I am afraid, is that you won't.
I know that if i dont want to make a claim i dont have too. Your question, really, is "how do I get out of this without any consequences?"
The answer to that, I am afraid, is that you won't.
I know that if at any point i want to cancel my policy I can.
Seems pretty straight forward now considering that no claim had yet been made.
I admit what i did was wrong and i accept that i have lost my bike and my insurance have made a few hundred quid out of me.
Lesson learnt.
RSoovy4 said:
Exactly right. But you're forgetting the police.
Have you been told to produce your insurance yet? Someone ran up the back of me a few years back, and drove off - when I went to report it they gave me a producer!!
No i haven't been told to produce anything by the police. All they have done is sent me a letter saying they will keep the case open for a certain amount of time until they have exhausted their investigation and then the case will be closed. Like i say up until now the police and insurance are not communicating until i give the insurance a crime number which i haven't done yet. Have you been told to produce your insurance yet? Someone ran up the back of me a few years back, and drove off - when I went to report it they gave me a producer!!
RSoovy4 said:
So your bike has been nicked, so you've told the police. If it turns up you'll get it back.
The police won't know that you're uninsured unless they (a) give you a producer or (b) your insurer is involved.
You know what to do, but don't expect to be able to get insured for less than a million quid ever.
I dont understand your need to be sarcastic. The police won't know that you're uninsured unless they (a) give you a producer or (b) your insurer is involved.
You know what to do, but don't expect to be able to get insured for less than a million quid ever.
A million quid insurance? For what, not making a claim?
Yeah ok.
You da man!!
RSoovy4 said:
The reason they are asking you more questions is that they think you have lied. Which you have.
You are therefore on a register of people who lie to insurers. And who are, as a result, unlikely to find insurers willing to insure them.
And I am being sarcastic because in my job, I see all sorts of weak defences and implausible stories, but yours just about takes the biscuit!! It's right up there with this week's "oh I forgot about that HSBC bank account with £2m quid in it because I hadn't used it for three months and it was offshore".
If you do this right, you might just get away with only losing the £1600 bike, and not getting busted for no insurance and fraud.
Nobody is asking more questions. It was a simple interview about the nature of my claim and him going over my policy. You are therefore on a register of people who lie to insurers. And who are, as a result, unlikely to find insurers willing to insure them.
And I am being sarcastic because in my job, I see all sorts of weak defences and implausible stories, but yours just about takes the biscuit!! It's right up there with this week's "oh I forgot about that HSBC bank account with £2m quid in it because I hadn't used it for three months and it was offshore".
If you do this right, you might just get away with only losing the £1600 bike, and not getting busted for no insurance and fraud.
Edited by RSoovy4 on Thursday 21st November 12:24
He said to me before he can go any further by law under the data protection act he couldnt contact the police for a crime number and that i had to ring up and get it myself.
I am going to ring the insurers and simply say i left my keys in the bike and it is my own fault.
Case closed.
Like i say for the 15th time. No claim has been made yet.
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