Insurance Claim Question/Problem
Discussion
andykdj said:
I am going to ring the insurers and simply say i left my keys in the bike and it is my own fault.
What the juddering f
k is wrong with you? WHY DO YOU NEED TO CONTINUE TO LIE!Just say, I've decided not to make a claim. YOU DO NOT NEED TO GIVE SOME STUPID BULLs
t EXCUSE.f
king hell.Eddh said:
andykdj said:
I am going to ring the insurers and simply say i left my keys in the bike and it is my own fault.
What the juddering fk is wrong with you? WHY DO YOU NEED TO CONTINUE TO LIE!Just say, I've decided not to make a claim. YOU DO NOT NEED TO GIVE SOME STUPID BULLs
t EXCUSE.f
king hell.
Incredible.
RSoovy4 said:
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
As a foot note, Insurance companies check things like pistonheads, so be careful what you post up here.
Perhaps you'd have been better recieved on here had you have not lied in your initial post
Anyway, whatever happens, I wish you good luck and you never know, the police may knock on your door with your bike back and everyone's happy
Thanks for the entertainment
andykdj said:
Eddh said:
What the juddering fk is wrong with you? WHY DO YOU NEED TO CONTINUE TO LIE!
Just say, I've decided not to make a claim. YOU DO NOT NEED TO GIVE SOME STUPID BULLst EXCUSE.
fking hell.
Haha surely they would ask why though? I am trying to make it sound like its my own fault. k is wrong with you? WHY DO YOU NEED TO CONTINUE TO LIE!Just say, I've decided not to make a claim. YOU DO NOT NEED TO GIVE SOME STUPID BULLs
t EXCUSE.f
king hell.That is true and makes you sound like less of a div than 'left me keys in it m8'.
Then next time don't lie to insurance companys.
graeme4130 said:
Absolutely true. Best you can hope for is you lose a £1600 bike. Worst is you are prosecuted for fraud and can never insure another motorvehicle again without a lottery win.
As a foot note, Insurance companies check things like pistonheads, so be careful what you post up here.
Perhaps you'd have been better recieved on here had you have not lied in your initial post
Anyway, whatever happens, I wish you good luck and you never know, the police may knock on your door with your bike back and everyone's happy
Thanks for the entertainment
Your post totally contradicts itself. As a foot note, Insurance companies check things like pistonheads, so be careful what you post up here.
Perhaps you'd have been better recieved on here had you have not lied in your initial post
Anyway, whatever happens, I wish you good luck and you never know, the police may knock on your door with your bike back and everyone's happy
Thanks for the entertainment
If insurance companies checks forums then it would be silly of me to say the whole truth wouldnt it?
I simply asked for advice and the best i got was abuse.
Lesson learnt again.
Thanks anyways.
andykdj said:
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.
However, it's Christmas (nearly), I'll be nice.
You need to seperate two very different things - the theft and the claim.
(1) Your bike has been stolen, and the police are only interested in it as a theft. They're not after you for fraud. I presume they don't want to see your insurance certificate. If the bike comes back, great. If not, chalk it up as a massive PITA and move on.
(2) The insurance company will not pay out to you if you try to make a claim - they'll almost certainly adjust their premium to something stratospheric like £2500 (on the bais that they'd normally never insure someone with a recent ban, and if they did it would be three times the normal rate), net it against whatever they'd pay you, and bill you for the rest. You don't need to make a claim; I had a theft of a car some years back and I figured I'd rather keep my NCD than make a claim for a £1200 car which had a £500 excess. It meant that I could truthfully declaire that there'd been no accidents, claims or convictions.
The pragmatic thing is to withdraw the claim. You don't need to say why, and don't make things worse by lying more than you already have. Then cancel the policy and walk away from this insurance company, making sure you don't use them again (otherwise you'll alert them to your previous fraudulent statement). For any future policy, tell the truth, because it's really, really easy to check up on these things.
MitchT said:
OP - Buy a set of dildos of varying sizes. Start with the smallest and work your way up to the largest, progressively reducing the amount of lube you use 'till you're using none at all. That should prepare you for what's coming.
Good luck
Im not a betting man but my guess is your willy is smaller than average. Good luck
And maybe you're ginger?
Have a good day.
Call your insurance company and tell them you have just found the bike. You had put it at the back of the garage and put some boxes in front of it and forgotten all about it. Then call the police and tell them you forgot that you'd lent it to a friend.
If either of the two establishments you lied to saying that you have forgotten things ever find out you have lied to each of them then lye telling them you forgot what you said to each of them.
Simple!
Seriously, I would tell them you don't want to proceed with the claim and cross your fingers.
If either of the two establishments you lied to saying that you have forgotten things ever find out you have lied to each of them then lye telling them you forgot what you said to each of them.
Simple!
Seriously, I would tell them you don't want to proceed with the claim and cross your fingers.
longblackcoat said:
You're an idiot, but I guess you know that better than any of us. I'll not harp on, other than to say that it's hard to feel sympathetic to someone who makes my insurance more expensive.
However, it's Christmas (nearly), I'll be nice.
You need to seperate two very different things - the theft and the claim.
(1) Your bike has been stolen, and the police are only interested in it as a theft. They're not after you for fraud. I presume they don't want to see your insurance certificate. If the bike comes back, great. If not, chalk it up as a massive PITA and move on.
(2) The insurance company will not pay out to you if you try to make a claim - they'll almost certainly adjust their premium to something stratospheric like £2500 (on the bais that they'd normally never insure someone with a recent ban, and if they did it would be three times the normal rate), net it against whatever they'd pay you, and bill you for the rest. You don't need to make a claim; I had a theft of a car some years back and I figured I'd rather keep my NCD than make a claim for a £1200 car which had a £500 excess. It meant that I could truthfully declaire that there'd been no accidents, claims or convictions.
The pragmatic thing is to withdraw the claim. You don't need to say why, and don't make things worse by lying more than you already have. Then cancel the policy and walk away from this insurance company, making sure you don't use them again (otherwise you'll alert them to your previous fraudulent statement). For any future policy, tell the truth, because it's really, really easy to check up on these things.
Thanks for the advice. However, it's Christmas (nearly), I'll be nice.
You need to seperate two very different things - the theft and the claim.
(1) Your bike has been stolen, and the police are only interested in it as a theft. They're not after you for fraud. I presume they don't want to see your insurance certificate. If the bike comes back, great. If not, chalk it up as a massive PITA and move on.
(2) The insurance company will not pay out to you if you try to make a claim - they'll almost certainly adjust their premium to something stratospheric like £2500 (on the bais that they'd normally never insure someone with a recent ban, and if they did it would be three times the normal rate), net it against whatever they'd pay you, and bill you for the rest. You don't need to make a claim; I had a theft of a car some years back and I figured I'd rather keep my NCD than make a claim for a £1200 car which had a £500 excess. It meant that I could truthfully declaire that there'd been no accidents, claims or convictions.
The pragmatic thing is to withdraw the claim. You don't need to say why, and don't make things worse by lying more than you already have. Then cancel the policy and walk away from this insurance company, making sure you don't use them again (otherwise you'll alert them to your previous fraudulent statement). For any future policy, tell the truth, because it's really, really easy to check up on these things.
andykdj said:
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.
Brilliant, so not content with fraudulently obtaining a cheaper quote via non disclosure of material facts, you'd also like to add making a fraudulent claim.Case closed.
Tell me, what do you think the insurer will do if someone makes a claim for a stolen bike and then they find out the keys were left in it? Didn't you say you'd already done an interview with the insurer about where you left it, what happened to it etc? Best not to make them think you were trying to make a fraudulent claim by adding more fuel to this already raging bonfire.
Dude, I tried to help, as did several others. But with the 'cunning plans' you keep coming up with I think you'd make even Baldrick blush. I'm afraid you might just be too stupid to own any kind of vehicle, so this might all work out for the best in the long run, eh?
Edited by mrmr96 on Thursday 21st November 13:11
hopefully he'll drop in later.Eddh said:
WHY?! Just say its not worth it after paying the excess and having to deal with increased premiums.
That is true and makes you sound like less of a div than 'left me keys in it m8'.
Then next time don't lie to insurance companys.
^^ ThisThat is true and makes you sound like less of a div than 'left me keys in it m8'.
Then next time don't lie to insurance companys.
Astonished by the unnecessary vitriol on this thread.
jdcampbell said:
Eddh said:
WHY?! Just say its not worth it after paying the excess and having to deal with increased premiums.
That is true and makes you sound like less of a div than 'left me keys in it m8'.
Then next time don't lie to insurance companys.
^^ ThisThat is true and makes you sound like less of a div than 'left me keys in it m8'.
Then next time don't lie to insurance companys.
Astonished by the unnecessary vitriol on this thread.
andykdj said:
MiniBeej said:
Walk away from the claim, cancel your policy, buy a new bike, start a new policy and DO NOT LIE on the new one.
Yes it will be expensive but not as expensive as not being insured at all can be!
Thank you. Another normal response. Yes it will be expensive but not as expensive as not being insured at all can be!
Wow. I fear for this country sometimes.
OP - if you do escape this without getting your collar felt for fraud (and you don't deserve to get away with it IMO), your insurance premiums will still go up because your record will show that you inquired about a claim, and insurance companies will therefore see you as a bigger risk and load your premiums.
OP - if you do escape this without getting your collar felt for fraud (and you don't deserve to get away with it IMO), your insurance premiums will still go up because your record will show that you inquired about a claim, and insurance companies will therefore see you as a bigger risk and load your premiums.
If the OP were to contact them to say he is not making a claim and then at the same time says he wants to cancel the policy as he has no more insurance, will the Insurance company still do a proactive check as to the state of his licence.
Or will they just say fine and stop the insurance and have done with it?
Or will they just say fine and stop the insurance and have done with it?
Du1point8 said:
If the OP were to contact them to say he is not making a claim and then at the same time says he wants to cancel the policy as he has no more insurance, will the Insurance company still do a proactive check as to the state of his licence.
Or will they just say fine and stop the insurance and have done with it?
Unlikely they will check but by no means a guarantee, although I would be VERY surprised if they thought it odd that he cancels insurance when he doesn't have a bike.Or will they just say fine and stop the insurance and have done with it?
He could 'get away' with this but as above, I don't really think anyone deserves to get away with this type of thing!
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