Insurance Claim Question/Problem
Discussion
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
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
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 f
ked?
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?
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"
General life lesson is "don't lie when it is so laughably easy to prove"
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.
andykdj said:
Dracoro said:
IT'S NOT FOOKIN' CHRISTMAS! IT'S STILL NOVEMBER.
For that reason alone, you deserve all you get
Your post is the main reason why i stopped using forums for help years ago. For that reason alone, you deserve all you get
Happy November to you to.
Anyway, have a cracking Easter.
(that's a laugh smily by the way). - do I need to explain that one 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!
andykdj said:
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.
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.
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?
andykdj said:
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?
You have made a couple of very silly mistakes:
The first being to lie to the insurer, which I'm pretty sure would count as fraud.
The second being to try to make a claim on a policy you'd obtained by fraud/deception. Knowing that you'd supplied false details it was pretty naive to think that they wouldn't find out during the course of processing your claim. So you've kind of stitched yourself up a bit here.
The morally "right thing to do" (IMO) is to come clean now, and throw yourself at their mercy and just suck up any punishment that comes from it. Then don't bloody do it again. But realistically I know you'll want to minimise the risk of any 'bad things' happening to you, so that being the case you might be best to talk to a solicitor because they are qualified in advising people on what to do. (Web forums, not so much.) Unless you ask Soovy, he'll probably have some insight for you...
(FWIW I totally disagree with what you've done, you and people like you, are part of the reason why insurance is so expensive for me and people like me who tell the truth when obtaining cover.)
andykdj said:
They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
He then asked again if I had any recent motoring convictions to which again I told him no.
I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
He then asked again if I had any recent motoring convictions to which again I told him no.
I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
You're fooked. Just be grateful you didn't crash and hurt anyone.
You will find getting insurance in future very very difficult and very very expensive because you are a fraudster.
And the police may very well do you for no insurance as well.
Edited by RSoovy4 on Thursday 21st November 11:26
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