Insurance - Why Is So Hard?

My girlfriend’s daughter had her insurance on her vRS cancelled because (they say) she didn’t declare the supplying dealer’s name sticker that was attached to the boot lid. The broker then tried to insist the standard vRS 18” alloy wheels and boot spoiler were aftermarket. Strange how their tune changed when a man (me) took over the discussion. I have complained to the Insurance Ombudsman, not expecting to get far but felt something needed to be said. Andy

 

You pay more for pillion cover as a rule, due to their possible injuries also being covered by your policy. Technically the pillion can sue the rider.

 

In my experience adding pillion increases the premium by an upper limit of £40.

 

It is worth knowing that insurers, or at least some, check for 'gaming' the system and if you keep amending PCS online quote requests you may get classed as a bad actor. If you use different name structures to look like a different person it gets worse. I have always used the phone for that very reason.

 

Looks like I'm about to start the same routine; Bennetts have gone from £299 to £435 with no change in circumstances.

 

Motorcycle passenger liability insurance cover was made compulsory in the early 1970s, when did it become a choice? I would really like to know!

 

We had a memo today, which was industry driven, that called out criminal gangs in London and other cities making fraudulent accident claims on bikes and it’s 100’s of % up from two years ago. Hence everyone’s price has increased.

 

For years. I opt out these days.

 

It shouldn't be this way every very short twelve months for renewal but first and foremost they're a business, it's all about the redistribution of wealth.

 

Logic would suggest if they know they are fraudulent claims, they aren't paying out on them and therefore they should have no effect on premiums...?

 

I’d hate to make a claim these days, change the oil plug and your insurance would be void.

 

Not that simple. Or yes, they’d be declined. It’s not as easy as the likes of 44T suggest to reject a claim. Especially a 3rd party claim

 

Quote
Epidemic of “crash for cash” induced motorcycle collisions increasing across LONDON, with organised crime network setting their sights on BRISTOL and other major cities.



These dangerous fraudsters are driving head-first into unsuspecting motorists, leaving countless victims terrified and insurers facing millions of pounds in bogus claims,' said INSURANCE FRAUD BUREAU (IFB's) director, Ursula Jallow.

 

I'm struggling to understand how these people are driving head first (head on?) into other motorists and making successful claims; can you help me out here?

 

My insurance went down a third this year although it was fucking astronomical in the first place.

 

Mine is around £140 for renewal down from £160 last year, on a 700cc single.