Fookin Rip Off

[joebaddy]

Ok Hello one and all. this is my first post but I been hanging around a while.


But now I need to let off a little steam.

Carol Nash. I insured a bike in December 2007 - cost £230. Break down cover and legal expenses included sir. Dont need them thanks. But your not paying for them they are included in all our policies.

Ok. Well I told the bloke I only need policy for 6 months max, while my other bike is having work done, cos then Id sell new bike. No problem says he, you can cancell and get refund.

So I sold the bike and phoned Carol Nash to tell em to cancel policy. Refund ??? £5.49 Sir :eek:

They justify this by saying I'm entitled to £159.00 but they deduct £70 odd for breakdown and legal expenses, which I didnt want and which they said was not charged. Then they take cancellation fee and I end up with £5 fucking 49.


Not to put too fine a point on it, I'm seething. Not the money its the fucking principal. :mad:

[Blue38]

Ok Hello one and all. this is my first post but I been hanging around a while.


But now I need to let off a little steam.

Carol Nash. I insured a bike in December 2007 - cost £230. Break down cover and legal expenses included sir. Dont need them thanks. But your not paying for them they are included in all our policies.

Ok. Well I told the bloke I only need policy for 6 months max, while my other bike is having work done, cos then Id sell new bike. No problem says he, you can cancell and get refund.

So I sold the bike and phoned Carol Nash to tell em to cancel policy. Refund ??? £5.49 Sir :eek:

They justify this by saying I'm entitled to £159.00 but they deduct £70 odd for breakdown and legal expenses, which I didnt want and which they said was not charged. Then they take cancellation fee and I end up with £5 fucking 49.


Not to put too fine a point on it, I'm seething. Not the money its the fucking principal. :mad:


1) what's in the policy and the smallprint?
2)are you sure you got your facts right
3)trading standards

[matthewmosse]

Bennets did that to my better half, £700 for cancelling the policy, Twats. Also carol nash refused to insure me when I upped the cc's on my bike from 897 to 998 without an engineers report that the work was done properly, which I couldn't get without putting the bike on the road:( then they got all surprsed when I switched insurers. A pain cos they used to be good, still new insurers way cheaper:thumbsu:

[donovan51]

Bennets did that to my better half, £700 for cancelling the policy, Twats. Also carol nash refused to insure me when I upped the cc's on my bike from 897 to 998 without an engineers report that the work was done properly, which I couldn't get without putting the bike on the road:( then they got all surprsed when I switched insurers. A pain cos they used to be good, still new insurers way cheaper:thumbsu:

Carole nash used to be good. Insured with them for 9 years. Took trike off road for 3 months , came to re-insure and they upped premium from 154 to 354 quid. Thats with full no claims. They were surprized when I told em to go swivel. With Bikesure now for both bike and trike. :thumbsu:

[joebaddy]

yep all my facts are right Blue 38. I'm meticulous about insurance policies as I know how they try and wriggle out of everything. I'm going to Trading Standards. There is no way I'm letting this go.
what made is worse was the fact that I had to speak to Rajit Singh, somewhere, not in this fair Isle.

[Blue38]

yep all my facts are right Blue 38. I'm meticulous about insurance policies as I know how they try and wriggle out of everything. I'm going to Trading Standards. There is no way I'm letting this go.
what made is worse was the fact that I had to speak to Rajit Singh, somewhere, not in this fair Isle.

Go for it,I got pissed off with their continuously rising prices.Just cos they had to cover defaults etc for other things (such as house/car/pet)

[Captain Smurf]

Useful opportunity for me to pass on some info I received at the NABD AGM on Saturday.

Carole Nash, a long term supporter of the NABD, sold her business. The new owners have apparently dropped all such sponsorship of worthy causes.

NABD now recommends Bikesure. More info in Open House, due on my doorstep any day now.

[joebaddy]

Bikesure are good, we use them for the other bikes. The only reason I went with Carol Nash for that bike was because I had some no claims bonus with em, I was at the blokes house buying the bike and we needed to insure it to get it home. Time was they obtained the NCB from previous companies but you have to do it yourself now. I couldnt be bothered with the hassle of changing the NCB over. It was just simpler at the time.

Oh well I'll know better next time. will never use them again. Fuggin ass oles

[skida]

Any insurance company will set up a policy over the phone and allow for any NCB you tell them you have. Some will be able to verify your entitlement if you give them the company name and policy number some will require you to send evidence (ie. a renewal notice).

If the breakdown and legal cover is included as a free item then they can hardly take money off the refund to pay for it. Try and find an advert that claims the cover is free, then ring them and argue the case. Do not be fobbed off with an operator as they are only empowered to say "no" and not "yes". Ask to speak to a manager/supervisor and take their name and repeat it to them. If you don't get satisfaction, mention advertising standards authority, trading standards and a solicitor. Getting a refund out of an insurance company for cover that has already been provided is notoriously difficult but it can be done.

[Grav]

Carole Nash, a long term supporter of the NABD, sold her business. The new owners have apparently dropped all such sponsorship of worthy causes.



That explains a hell of a lot....
Half the reason I insured my bike through Carole Nash was because of their long time support of the NABD. The other half was because bennetts stole from my wife.

Grav
Changing insurers in March.

[frenchie]

we changed to bikesure last year.

f

[Kylie]

I changed to bikesure cos Carole Nash had some silly clauses on the insurance I didnt like. Bikesure matched the price and I've just got my travel insurance from them too so i am covered if El Mick throws me off the back of his bike!

[Peirre]

got my travel insurance from them too so i am covered if El Mick throws me off the back of his bike!
Thats not likely to happen

[Kylie]

Thats not likely to happen

Always expect the unexpected!!! I didnt exactly expect that bloody tanker driver to clobber my knee and run over my foot this morning but he had a bloody good go!

[boysworstcat]

The other half was because bennetts stole from my wife.

Grav
Changing insurers in March.

How so, if you don't mind me asking?

[Grav]

My wife very politely rang Bennets to thank them for sending her a renewal notice but would not be insuring her bike as she had given up riding. Bennetts said ok, thanked her for telling them and said she would not hear from them again.

Then they took the full years renewal from her bank account without her authorisation. Mrs Grav was livid. They tried to deny that she had contacted them, but she was adamant and when they refused to budge on the issue, she rang the Financial Services Authority and put in a formal complaint. The FSA agred with Mrs Grav and said it was not on and took them to task over it.She was refunded in full within 7 days and got an extra £25 compensation and a bunch of flowers.

Never using Bennetts ever again.

[boysworstcat]

Cunts. I'll put Bennet's in my little black book then.

:mad:

[bird]

My wife very politely rang Bennets to thank them for sending her a renewal notice but would not be insuring her bike as she had given up riding. Bennetts said ok, thanked her for telling them and said she would not hear from them again.

Then they took the full years renewal from her bank account without her authorisation. Mrs Grav was livid. They tried to deny that she had contacted them, but she was adamant and when they refused to budge on the issue, she rang the Financial Services Authority and put in a formal complaint. The FSA agred with Mrs Grav and said it was not on and took them to task over it.She was refunded in full within 7 days and got an extra £25 compensation and a bunch of flowers.

Never using Bennetts ever again.

I was insured with Bennetts and this rang all sorts of alarm bells with me so I've just checked my bank account and I see that the credit company that I paid the premium to for for the old GPz has taken a new payment from my account this month despite the fact that I cancelled the direct debit with my bank at beginning of June - they just started a fresh direct debit without my authority :eek:


Contacted Bennetts.

It seems that because when I first took out the policy three years ago I agreed that I would accept the best price that Bennetts could offer me. This, apparently, is tanatamount to a legal agreement between myself and Bennetts that I would have my bike insurance automatically renewed unless I called them and said I don't want it anymore.


Now I owe them a thirty quid cancellation fee and proportion of the premium for an insurance policy i don't need any more!

I haven't received any new policy documents because I've moved house and theres no record of that on my account, so I can't invoke a Cancellation within 14 days rule.

The only thing I have in my favour is that the credit company has started a fresh Direct debit without my authority. And that, in my book, is theft and fraud.

This should be interesting...:unsure:

[Kylie]

Ah thats a point, must ring my car insurer and tell them that they are NOT to take my renewal automatically.

I think that should be illegal - why should there be no option at taking out the policy to say fuck off i dont want you to automatically renew it and take my money? I did renew it anyway, but last year i paid on Andy's card so that would have been a real problem. Now try to cancel the renewal when we were in 2 towns - they wouldnt speak to him cos he wasnt the policy holder, and they wouldnt talk to me cos i wasn't the card holder...

[Grav]

Bird, By Law, insurance companies are not allowed to automatically renew insurance policies without your complicit agreement either by telephone, or preferably, in writing.

Bennetts are talking through their arse, speak to the Financial services Authority for more detailed advice on how to proceed.

[joebaddy]

well yesterday Carol Nash promised me that a supervisor would call me back before the end of the day. Nobody called. I called them again today and they said someone would call within 48 hours. Am I supposed to sit by the fackin phone for 48 hours :eek:

Spoke to Trading Standards today and they gave me FSA phone number so its on to them tomorrow.

[Bodge]

I've used Carole Nash for a few years and found them OK so tried them for a quote for the lads moped, £640 tpft!. It is half that at Swinton, so guess who gets the business.

[matthewmosse]

I think there's a lesson here, one don't go near Bennetts, two Carol Nash has gone downhill badly recently. small companycalled Lynbrooke were who I opted for the last couple of times, mainly because they give the option to buy back salvage if you bike is written off, since I already have every single bit to re-build it and I like the bike this seems a good idea:thumbsu: Also they cover me for 4 bikes and 2 riders (me and other half) for less than my other half was quoted for just her on her bike:thumbsu: Yay the little guy. Ok so phone for a qoute and they have to ring you back half the time but unlike CN they do actually call back. Thought I'd better put in a word about the good service as well as the bad:thumbu:

[joebaddy]

FSA route today .................. I'll have the bastards :mad:

[matthewmosse]

Good on you, I've been ripped off a few times in the past, wish I'd got it together enough to have a pop at the buggers. Good luck!

[tufty1066]

I've used Carole Nash for a few years and found them OK so tried them for a quote for the lads moped, £640 tpft!. It is half that at Swinton, so guess who gets the business.yep i think there all related to dick turpin:D

[hermann]

I think, although they probably won't say it, different insurance companies concentrate on certain business and will give higher premiums to discourage others. It cost me £146 to insure the Norton with the GPZ on as a second bike, fully comp for both. Now thats probably cheaper cos I'm a member of the NOC but its still better than I'll get elsewhere. Plus I've always found their customer service to be top notch, always spoken to someone in their Manc office and they've always been courteous, helpful and friendly. Sorry to here you've had a bad experience with them

[Kylie]

Bird, By Law, insurance companies are not allowed to automatically renew insurance policies without your complicit agreement either by telephone, or preferably, in writing.

Bennetts are talking through their arse, speak to the Financial services Authority for more detailed advice on how to proceed.

The problem is they get your agreement on the phone when you take out the policy in the hope you'll forget to cancel that agreement when you have the paperwork. M&S do not have an option to take out the policy unless you agree to the automatic renewal.

Although perhaps given it was on Andy's card I should have left it as automatic and got free insurance for the year :D

[joebaddy]

FSA no fooking help. told me to telephone Carole Nash and make official complaint and then if I dont get joy, go to Omdusman.

But Carole Nash have 8 weeks to investigate my complaint before I can do anything. I suppose they think I will forget about in that time. But my memory is long and when I get my teeth into something, I dont let go.

So let battle commence.

[wurzel]

I think, although they probably won't say it, different insurance companies concentrate on certain business and will give higher premiums to discourage others. It cost me £146 to insure the Norton with the GPZ on as a second bike, fully comp for both. Now thats probably cheaper cos I'm a member of the NOC but its still better than I'll get elsewhere. Plus I've always found their customer service to be top notch, always spoken to someone in their Manc office and they've always been courteous, helpful and friendly. Sorry to here you've had a bad experience with them

My brother once worked for Sun Alliance on their quotation line, any male under 21 they automatically had to add £1k to what the computer said as they had decided it was an area of business they didn't want to pursue. He told me he actually quoted a 18 year old with an XR3i convertible (it was the late 80's) £4200 for TPT&T, strangely the guy didn't take the quote up

[Kylie]

I had an insurance quote for £3000 when I was 20 with a 1litre crappy old nissan micra - RAC, they just don't like me as I've had more ridiculous quotes from them since, they took over the insurance company I was with when my car was pinched, and because I changed car they increased my premiums to the equivalent of £2000 a year because they knew that I would have to either pay the rest of my policy and lose 6 months no claims to move, or pay their premiums. At renewal time got insurance for the new car with the claim on my record for £320 fully comp. At least when you get silly quotes at the beginning of your policy you can say no - when it happens half way through its a twat!

[skida]

But Carole Nash have 8 weeks to investigate my complaint before I can do anything. I suppose they think I will forget about in that time. But my memory is long and when I get my teeth into something, I dont let go.

So let battle commence.

The first thing to establish is whether the Recovery and Legal Assistance is being promoted as being "free".

Try ringing for a quote as an anonymous punter and when they tell you about Recovery and Legal Assistance ask if it is provided free. If they claim it is, you should ask to speak to a supervisor and start your battle with some good ammunition.

[joebaddy]

I am very pleased to tell you that I have a RESULT !!!!!! :thumbsu:

FIRST OFFER £5.49
SECOND OFFER £25.00
THIRD TIME LUCKY £98.57 !!!!!

where the feck did the 57p come from. Oh well who cares, i wont look a gift horse in the mouth. Its just a shame I had to get nasty and threaten them, to get what is rightfully due.

Never was about the money but the facking principal. Still will never use CN again. Bunch fuckwits. :thumbd:

[contail]

i know its a bit far in the thread now.

ive been insured with carol nash for a few years now. im not to happy with them but there the only company i could get insured with on the hardtail. no one else including bikesure (i think it was) would insure the chop. carol nash did refuse last year but finaly agreed if i sent them a full spec report etc. sent them this every time but they never seem to have it when its needed. not to bothered about that though. just happy to be leagal.

[minxy]

www.ebikeinsurance.co.uk

Modified bikes no problem, manage the policy yourself online.

[contail]

www.ebikeinsurance.co.uk

Modified bikes no problem, manage the policy yourself online.

i will try them in a bit. they sound familiar. all i remember is the company was online only. will let you know. cheers

[oneleggedfreak]

On a chop like that there should be no reason why Biksesure should not offer you a quote give me a PM and I'll give you my direct number & I'll get things sorted for you.:thumbsu:

[Blue38]

I am very pleased to tell you that I have a RESULT !!!!!! :thumbsu:

FIRST OFFER £5.49
SECOND OFFER £25.00
THIRD TIME LUCKY £98.57 !!!!!

where the feck did the 57p come from. Oh well who cares, i wont look a gift horse in the mouth. Its just a shame I had to get nasty and threaten them, to get what is rightfully due.

Never was about the money but the facking principal. Still will never use CN again. Bunch fuckwits. :thumbd:

Congrats Joe. About time someone made these b astards realise We Are The customer!!!:thumbsu:

[contail]

On a chop like that there should be no reason why Biksesure should not offer you a quote give me a PM and I'll give you my direct number & I'll get things sorted for you.:thumbsu:

cheers very much.
havnt tried yet. only get a couple of minutes a time on here. but my mate just tried with his 1000cc exup chop. hes paying 250 at the moment. max no claims bonus, garaged etc.
ebike quoted £1200. but i will speak to him again to confirm as this does seem a bit high. (and we do have totaly different accents)
my gaffer just got quoted for my gsxr1100 slingshot. hasnt passed his test yet and hasting direct were cheapest. fully comp £220 and low excess. ebike was a little higher. i know post codes make a lot of difference. my gaffer is over towards camber in the middle of know where.

i will give it a try over the weekend. i think most of the problem im having is the fact that my chop is registered as a 1978 suzuki gp100. but it is all legal etc

[joebaddy]

Congrats Joe. About time someone made these b astards realise We Are The customer!!!:thumbsu:


err still no sign of the cheque :thumbd: :D

[contail]

FSA no fooking help. told me to telephone Carole Nash and make official complaint and then if I dont get joy, go to Omdusman.

But Carole Nash have 8 weeks to investigate my complaint before I can do anything. I suppose they think I will forget about in that time. But my memory is long and when I get my teeth into something, I dont let go.

So let battle commence.

i made a complaint with cn a couple of years ago. they gave me a ducati hire bike they had it back the next day. 6 months later they said they couldnt settle my claim until i paid for 6 months hire. they then asked me if they could have the bike back :confused:
they also canceled the claim because the other party asked them to on my behalf. my solicitor sorted it all out in the end. oh yeah. nothinhg came of the complaint i made.

[contail]

:D ebike 168 quid and thats with all the mods :cool: im happy. off to hastings now for a drink:D

[lemmykilmister]

I'm not sure of the time scale but if you have had a direct debit taken from your account that you don't like, you can ask your bank to reclaim it. So if you have suffered from this, nip in to your branch and give it a try. If you've paid 2 or 3 on a policy, then you may have accepted the policy by default but if 8it's the first payment on an auto-renewal try and claim it back through your bank.

[joebaddy]

still no sign of my bloody cheque :eek:

Just had a renewal for my other bike off Bikesure £209.00. Got quote from ebike £120.00. Phone Bikesure and told them and miraculously they have dropped my premium to £114.00 WTF. :confused:

Just shows it pays to shop around. :thumbsu:

[contail]

:D ebike 168 quid and thats with all the mods :cool: im happy. off to hastings now for a drink:D

hhmmmmmm just got my renewal from carol n. slightly cheeper than ebike, the bike recovery swings it for carol n. think im gonna read all your threads regarding ebike.

[Feel the Wind]

Bennets did that to my better half, £700 for cancelling the policy, Twats. Also carol nash refused to insure me when I upped the cc's on my bike from 897 to 998 without an engineers report that the work was done properly, which I couldn't get without putting the bike on the road:( then they got all surprsed when I switched insurers. A pain cos they used to be good, still new insurers way cheaper:thumbsu:

Carol nash couldn't ever offer me a competitive rate....bennets screwed me good and proper when I cancelled the policy the wanted a load of cash I argued the point for months until in the ned they threatened court action so we finally agreed on £20. Not a lot but I only cancelled it a few weeks before it was due for renewal....why...because they wanted further £100 on top of my £86 FC ibsurance for three weeks worth of insurance because I went from 500cc to 750! I've only been riding bikes for 30 years so I thought it a tad unreasonable.

[Sir Ewok]

I've been with Ebike for about 4 years now and have not had any probs with them. Original quote was £79.00 FC. I added a few bits to it and it now sits at £101 FC. I don't need recovery as I am an AA member and have green flag through my bank (didn't ask for it, came free). I always do legal cover as I found it useful in the accident case I had.... £ years legal work cost more tham my actual compo (£15,000) so was glad I didn't have to fork out on that lot. :thumbu: