Forum

[Bertie the Bullet]

Just as a point of interest of how trivial insurance company's in the UK can be, my friends car was hit while parked outside her home over night, she was in bed at the time, the insurance company refused to pay out because she had not made them aware of the windows being tinted, even though they had been tinted since she bought the car.

[Frank]

I wonder how many forum members are riding around with invalid insurance because they have failed to notify the company of the non standard exhaust, air filter, card, big bore kit etc etc.

[Winkie]

Oh dear, Frank, that really is a can of worms!!!! Our beloved Enfields come in such a variety of guises - Watsonian specials, private imports of home market models from different states all having a different spec, etc., etc., that who knows what the original spec of any particular bike started as! As for second hand bikes, do we have to dismantle them before we insure so that we can check for internal modifications? A real minefield which shows that many insurers do not really understand the workings of the bike market.

[Frank]

I agree Winkie, a real minefield, but faced with a multi thousand pound injury claim and with a possible legal case you can bet some expert in the marque will be found!

[Alan R]

Serious stuff I know and not to be ignored----------- With my title (Mr.R) it'll be a while before they catch me------------------------- I hope !!!

[Beezabryan]

The situation is quite straightforward. The machine that has been modified from standard either by the owner or supplier must have those modification declared to the insurer. Failure to do so may well void the insurance leaving the now uninsured person with a potentially catstrophic problem. However them as thinks differently can and will do as they think fit. Their choice not mine.

[Barry_Q]

This is interesting. 3 years ago, I used to have a Reliant 3-wheeler. I sold it, but I didn't bother to cancel the insurance because I didn't want to pay the cancellation fee. A week or so later, I had a phone call from the company I was insured with. The new owner had insured the Reliant and the company wanted to know why I hadn't cancelled the insurance (They did say that two people couldn't insure a vehicle at the same time on two separate policies). I explained that it was cheaper to let the policy lapse, than to cancel it. The insurance company waived the cancellation fee and gave me a refund.

[Alan R]

---------- notice also how the "change of vehicles fee" or "Admin fee" has first... a) Been introduced (they didn't do that sort of thing when I first needed insurance..)--- then ..b) Gradually crept up & up ??.......