Insurance Claim Question/Problem
Discussion
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:
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
andykdj said:
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.
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.
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.
andykdj said:
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.
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.
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.
andykdj said:
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.
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:
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!!
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.
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!!
andykdj said:
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!!
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
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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