Insurance warning AMI You have been warned!

[firefighter]

Ok here goes.

I have noticed a few threads mentioning issues with AMI and claiming etcetc.

Well I have a good one for you. Here is my personal experience with this company I am currently invovled in, and after politely talking to an exremely condescending witch on the phone, who escallated the conversation into her fianlly saying, and I quote "listen, I don't care about your problems" (these were with the companys treatment of the case BTW) I decided I would make an official complaint about her manner, which she also thought was a good idea.......still waiting as I write for the manager to pick up......:whistle:

Ok so I crash my bike, fine, i'm alive, bruised etc whatever, nothing terrible. :beer:

I call insurance company and let them know iv'e had an accident.

I take bike to shop, and let AMI know where it is. Bike turns out to be written off....AMI then let me know about my $1000 excess......
I question why it's $1000, answer was simple, they did'nt change my details after turning 25 and getting my full licence.......and gave me the same conditions as with my old policy (I had changed companies)

I go to Botany AMI as it's the ONLY branch in auckland open on the weekend, and decide i'll be clever and get a quote for the exact same bike,
excess works out at $500.........

I ask why my excess is going to be $1000 for my claim.......told this is conditions of policy, and to see Henderson branch staff..........

Told by branch that as my policy from my old bike used for the new bike, with the same terms, that's the reason for my high excess.....:wacko:

I ask as to how I could be on the same terms considering my bike is a 650cc yet the old policy had me as a restricted driver, and asked if I would have been covered.
No real answer given.:angry2:

Ok, so after some argument, I gave up on the whole thing, this is my only transport, i'm fucked, $1000 excess it is......I don't have a choice, I have to get to work.

Ask Wednesday when my bike will be assessed, was told today (friday 17th)and i'd have a valuation figure by the close of play, fine, i'm happy.:calm:

I ring just now (well 15 mins ago) and ask how the valuation went, get put onto N...A B.....T, at henderson branch.
Now I must very much stress I was very polite, and patient, but this bitch had it in for me the second she picked up her phone. :girlfight:

In an extremely condescending bitch face way, she talks down to me, like i'm a piece of shit, and basicaly I ask when I will have the figure, she snaps "well probably not till monday we have'nt got a fax yet":oi-grr:

Me: "Ok, well can you ring the guy and get the figure for me?"
Bitch: "Well it does'nt matter the cheque takes five days to clear"
Me: "yes well there's a thing called a bank where I will borrow the money the bikes valued at and use that to buy my new bike"
Bitch: "Oh, well we can't just take figures over the phone, we have to have it on paper"
Me: "yes but can you ask him to fax it straight away or before end of the day?"
Bitch: "well he's probably out of the office at the moment"
Me: "well can you be a bit more pro-active and at least try, he must have a cell phone?"
Bitch: "yes but it may not come through until later on tonight, so there's no point"
me: look lady i'm screwed here I have no vehicle until I get this figure, i've been screwed by your company enough as it is with this rediculous excess which is your comapanies fault as it is i'm fucked without my vehicle"
Bitch: "well I don't really care about your problems"
Me: "well i'm going to talk to your manager and lay a complaint against you your bloody rude"
Bitch: "good my name is N...A B.....T."

I must also stress, EVERY answer was snapped at me. :bash:

After an age of waiting on the phone for the manager to pick up, funnilly enough it was because NADIA was in there getting her word in first.......

Hey manager lady i'm ........... I am ringing to make a complaint against N...A.
Manager: funny she was just complaining to me about you swearing at her"
Me: "oh you've got to be kidding? Have you a recording of the conversation? I think you will surprised to hear your staff work ethic."
Manager: "no, there's no need to swear at the staff your problems are not her fault"
Me: "this is bullshit, i'm the customer, I paid for service, I said one swear word after she mucked me around with her condescending tone and I did'nt even swear AT her!"
Manager: "I would take the swear word personally too"
Me: "Jesus, can you just sort my claim out for me please?"
Manager: "N...a has said she would call the valuer, is there anything else I can do for you?"
Me: "No I just need the info asap!"
Manager: "well Nadia said she would do that already, I fail to see what the problem is, I will have N...a call you if I can convince her to.....please don't abuse my staff......... beep beep beep beep beep"

So after not even listening to what I had to say, said manager was very anti-me, I bet I don't get the valuation until next week.

:hitcher: My advice to any of you, take heed of this, there are quite a few horror stories about AMI on here, no-matter how patient you are with them, they will fuck you over, and you may get the royal treatment I just recieved.

I also have a claim in for my helmet, i'm getting market value for it, yep, that means second hand value on a 1 yr old Sumoy Vandal. Probably about $250, including the $100 excess for contents, so i'll get around $150, and that's if i'm veryvery lucky. My $600 helmet will be replaced with a piece of shit cheapy.

Worst part is my insurance turned over to Vero just a couple of days ago......who from past posts iv'e read are supposed to be pretty good.....:slap: like replace things like helmets at replacement value NOT "market value"

"If you just smiiiileee........" yeah fucken right......

BTW my mrs works at a bank, and hence I left her in charge of insurance etc, that's how this excess caught me out.....

The service come claim time is appauling, we've had all our insurance through them all this time (car/house/contents/bike/life) yet they still treated me like this, I am yet to see what the valuation comes back as. Heaven help me i'm ready to battle for it from the last post I read about an AMI claim i'm going to need to..........

[ajturbo]

good luck man......
bummer about the 1k shit....

think it maybe a good time to speak with dave at kiwibike insurance?

[Mully]

Tough break fella.

+1 for Kiwibike. Not had a claim but very happy with them.

EDIT: Oh, and escalate this. Area Manager, Regional Manager.....

[quackquack]

Hey mate just a word of warning about vero replacement value is the same as market value 3/5 of F**K all

I don't know any policies that are old for new which is what you want but someone here may know

[firefighter]

Hey mate just a word of warning about vero replacement value is the same as market value 3/5 of F**K all

I don't know any policies that are old for new which is what you want but someone here may know

Yeah true, I did read a while back of someone with vero getting a replacement helmet as it was safety equipment and not even a year old, and it was replacement value.....

Maybe i'll just go to kiwibike for my bike stuff..........

[Jantar]

We made a claim with AMI on Monday last week after my wife had a collision with another vehicle in our Nissan Terrano. AMI approved the claim while we were still in the office. We picked up our Kia Sorento as a replacement vehicle on tuesday this week and that is with easter in between.

Well done AMI.

[firefighter]

We made a claim with AMI on Monday last week after my wife had a collision with another vehicle in our Nissan Terrano. AMI approved the claim while we were still in the office. We picked up our Kia Sorento as a replacement vehicle on tuesday this week and that is with easter in between.

Well done AMI.

I have'nt seen that ad.....i'm assuming that's an ad........right? :crazy:

[James Deuce]

Errr, my recent claim went through sweet. I negotiated a change in the repair plan too. I had to talk to friends before I contacted them just to make sure I wasn't blowing smoke up my own butt.

Always make sure that you are on an even keel when you talk to them, because any display of frustration will result in the trained response you got.

[sil3nt]

So they don't record the phone calls and the manager simply takes her word without even hearing yours. Like someone said take it up with someone higher up as they would not want AMI represented this way.

[Jantar]

I have'nt seen that ad.....i'm assuming that's an ad........right? :crazy:
Nope, no ad. I have always found AMI to be extremely good to deal with. I guess going in personally and having all the information, along with photos, helps move things along.

[Mystery]

Sorry to hear of the problems you encountered with AMI. It's definitely a shame when one person lets the whole team and company down.

We recently made a vehicle claim through AMI and dealt with a woman at the New Lynn Claims Branch. She was very helpful and just got on with sorting out the claim.

No problems or complaints here!

[firefighter]

Always make sure that you are on an even keel when you talk to them, because any display of frustration will result in the trained response you got.

That's the thing, I was polite/calm/rational the whole way through the process, even through the excess debarcle.... right up until about the last part of the conversation with Nadia. (honestly)


Nope, no ad. I have always found AMI to be extremely good to deal with. I guess going in personally and having all the information, along with photos, helps move things along.

Maybe because the claim was for a car? All the problems i've heard of revolve around bikes....


Sorry to hear of the problems you encountered with AMI. It's definitely a shame when one person lets the whole team and company down.

We recently made a vehicle claim through AMI and dealt with a woman at the New Lynn Claims Branch. She was very helpful and just got on with sorting out the claim.

No problems or complaints here!

Was it for a car or bike?

[Headbanger]

Nadia is a great chick, You should probably apologise.









:whistle:

[Owl]

Always make sure that you are on an even keel when you talk to them, because any display of frustration will result in the trained response you got.

Just disagreeing with them will probably get that response James, even if you prove them wrong.:yes:

[Indiana_Jones]

Well AMI just fixed my bike for me (through Spectrum), picking her up tomorrow. :)

No issues......yet...

-Indy

[twotyred]

had car insurance with AMI,made claim,got fucked around royally,got money 3 months later!...never again.

[firefighter]

Well AMI just fixed my bike for me (through Spectrum), picking her up tomorrow. :)

No issues......yet...

-Indy

I'm noticing a trend here, all of the people not having issues have'nt got a written of vehicle, just one which needs fixing......

I'm going to presume, that the fact it's getting written off is the secrect ingredient needed for them to become kentucky fried cunts.

[jetboy]

Hey mate just a word of warning about vero replacement value is the same as market value 3/5 of F**K all

I don't know any policies that are old for new which is what you want but someone here may know
Old for new is what you are looking for...be careful that the policy clearly states this and not "present day" or "indemnity" value as is the case with alot of insurers, especially when it comes to your helmet and your gear. I have access to full replacement helmet and gear cover if anyone is interested.

This is also a good example as to why you should deal with a broker as opposed to the insurer direct. As a broker it is our job to look after the client which we do with our superior policy knowledge (we get paid to study the policies and make sure your bike is covered under the best one for your circumstance, so we know most of the policies out there), and our claims handling service...which I think is the most important aspect of a policy - after all is this not why you buy insurance? So that you get a hassle free, efficient service in getting you back up and running.

I hope all goes well firefighter - let us know how you get on!

[Edbear]

Old for new is what you are looking for...be careful that the policy clearly states this and not "present day" or "indemnity" value as is the case with alot of insurers, especially when it comes to your helmet and your gear. I have access to full replacement helmet and gear cover if anyone is interested.

This is also a good example as to why you should deal with a broker as opposed to the insurer direct. As a broker it is our job to look after the client which we do with our superior policy knowledge (we get paid to study the policies and make sure your bike is covered under the best one for your circumstance, so we know most of the policies out there), and our claims handling service...which I think is the most important aspect of a policy - after all is this not why you buy insurance? So that you get a hassle free, efficient service in getting you back up and running.

I hope all goes well firefighter - let us know how you get on!


Now THAT'S an ad! :2thumbsup

[Owl]

Best of luck dude and I hope it all works out ok in the end!

When you fill out the customer service card at the close of claim, you hopefully won't get a threat letter like I did. Oh and that letter found its way around to AMI's competition to looks of :gob:.

AMI were cheap for sure, but I would rather pay the extra $500 its cost me to not get treated like a criminal.

[davebullet]

EdBear is right. How many of you look at your policy wording word for word and understand what it means? Did you find anything ambiguous and ring up to clarify? Unless you are in the insurance business, using a broker is a very good idea to have the policy at least explained to you.

Sounds like Nadia was having a bad day. We can all be assholes at times. Doesn't mean AMI the company isn't any good (and I work for a competitor!)

[vifferman]

AMI are thieves and the service come claim time is appauling, we had all our insurance through them at this time (car/house/contents/bike/life) yet they still treated me like this.
I could've told you that was the case. I dunno if it's that they don't care how much business you have with them, or that they don't like bike policies. We changed to them after a LONG time with State, who were too expensive and once again didn't give a crap that we had all our insurance (house, contents, four vehicle policies) with them. However, when my bike insurance came up for renewal, it was so expensive and unfriendly that I switched to kiwibike. Saved me some money, and I got much more favourable conditions, like $2500 gear cover, lower excess, trackday cover (for approved trackdays). They also didn't care about a couple of tickets I had.

[Dave Lobster]

Our house insurance with AMI. But.. when some little eejit knocked me off one of Coleman's loan bikes, AMI coughed up for all my gear, including a brand new ($1300) helmet. They took the eejit to court, and gave me my $250 excess back.

Dealt with a very, very helpful little asian girl at the office in the CBD.

Paid out within about three days of me getting them quotes for replacement gear. Can't really moan at that.

[Indiana_Jones]

Didn't know AMI did the gear too.

I put in my claim form after some drop kick went into the back of me (who didn't have insurance), didn't have to pay the excess. Been ok so far

-Indy

[Oakie]

Been with AMI since forever (25 years?) Had all sorts of claims from broken windows to a ruptured hot water cylinder, from broken glasses to a cell phone that went through the washing machine ... and a $1200 claim from when some bozo knocked my bike over when it was parked. Never had anything but great service and claims settled quicker than I could have hoped to expect.

[Usarka]

-1 for AMI.

They're the ACC of car insurance. If it's a clear cut case you'll be grand. But any opportunity to screw you they'll try.

[Mom]

Well done AMI.


Errr, my recent claim went through sweet.

My experience too dealing with them on a simple, no argument claim.


That was until I received my renewal notice to find my premium up and my excess increased. A small claim, even holding a no claim history for years turned our premiums and excess into a joke. We had a few years without full insurance (3rd party only) after that claim. AMI get thumbs down from me. Seduce you to change your business to them by offering cheap as premiums, then shit on you after you make a claim.

[Indiana_Jones]

-1 for AMI.

They're the ACC of car insurance. If it's a clear cut case you'll be grand. But any opportunity to screw you they'll try.

They're insurance companies. Of course they'll do that.

Bloody Jew-Scottish-Dutch-Duck's Butt people they are

-Indy

[Mom]

They're insurance companies. Of course they'll do that.

Bloody Jew-Scottish-Dutch-Duck's Butt people they are

-Indy

Duck's Butt? A new one on me, please elaborate :2thumbsup

[Headbanger]

Duck's Butt? A new one on me, please elaborate :2thumbsup

water tight.

[Taz]

I had a nice man turn in front of my ute and write iy off for me. AMI had the claim settled in three days. Very efficient and polite.

Would monday really have been too long to wait for a figure?? Are you really sure you are not just being a little impatient?? Some things take time.

[Wiki Drifter]

Duck's Butt? A new one on me, please elaborate :2thumbsup

Its small and it doesn't give a shit :whistle:

[CookMySock]

They took the eejit to court, and gave me my $250 excess back. Did the policy have a $250 excess anyway? If so, then thats unusual for them to just give you free money. If the policy was no-excess then they should be charging you that to begin with.

Steve

[Mom]

water tight.

Having no bling left sucks sometimes...Thanks!

[Mom]

Its small and it doesn't give a shit :whistle:

Actually, over the last weekend, we were camping at Ruakaka, there are a lot of ducks there. Ducks do not shit ok. They SHART! Smelly, revolting sharts, they are no house/caravan/awning trained either ;)

[Headbanger]

Actually, over the last weekend, we were camping at Ruakaka, there are a lot of ducks there. Ducks do not shit ok. They SHART! Smelly, revolting sharts, they are no house/caravan/awning trained either ;)

we had some ducks take up residence in the back yard after Mrs Headbanger fed them, each day they were hanging closer and closer to the back door....Untill after about a week I found the bastards in teh house eating the cat food, So I (fearlessly) gave them the fright of their lives, at which time they scattered teh cat food all over the room as they took flight, smashing crap off the shelves and craping all over the walls,the washing, and the floor.

Was a glorious mess.

[Mom]

we had some ducks take up residence in the back yard after Mrs Headbanger fed them, each day they were hanging closer and closer to the back door....Untill after about a week I found the bastards in teh house eating the cat food, So I (fearlessly) gave them the fright of their lives, at which time they scattered teh cat food all over the room as they took flight, smashing crap off the shelves and craping all over the walls,the washing, and the floor.

Was a glorious mess.

Ducklings are cute :yes: They grow up and are not so cutey, cutey :oi-grr:

Ask Maha about the one that was inside the friggen caravan, and wht it did when he happened to find it...hint...

SHART on Sweatshirt is a fairly big hint.

Mind you they look cute in a mini roasting dish too :dodge:

[Indiana_Jones]

lol tighter then a duck's butt.

This thread took a wrong turn!

-Indy

[Usarka]

lol tighter then a duck's butt.

You know why duck tape was invented now eh......

[yod]

I'm noticing a trend here, all of the people not having issues have'nt got a written of vehicle, just one which needs fixing......

I'm going to presume, that the fact it's getting written off is the secrect ingredient needed for them to become kentucky fried cunts.

nope

wrote off my RF900 last year

got my gear paid out in about 2 days and the bike paid out in about 4 i think, they even shelled out cash for tri-boy's gas money as he kindly hauled it down from hamilton for me

no problems whatsoever

[Gubb]

You know why duck tape was invented now eh......
Duct Tape.

DUCT TAPE.

[Usarka]

Duct Tape.

DUCT TAPE.

Common misconception. It was changed to duct tape for this very reason - animal rights activists were outraged and staged many violent protests. Duct tape was lucky, Hamster Tape ^TM was withdrawn completely (but still available through underground supply channels).

[Matt_TG]

All insurers can and will be c*nts if you start off telling them how to do their job. Same goes with Police, Parking Wardens, even Firemen.

Swear at me while I am assessing your claim and I can assure you that I won't have any real good reason to prioritise your matters. Your vocab may impress some down the local pub but it wouldn't thrill a claims officer sitting in her office.

As far as the excess goes .. you will get a renewal notice at least annually. It's YOUR responsibility to insure that they have things right and if your circumstances change you HAVE to tell them. Maybe look at what your wife is insuring you for? Bank officers are not insurance specialists I'm sure she's a top girl but it's your bike.

If I was in your position I would realise that the AMI chick's hands were tied till she got the valuation. I'd follow up the valuer myself and give AMI the info they need to process things.

Finally, as mentioned elsewhere, you'd probably get a better deal and maybe even understanding/empathy from an insurer that does bikes more than just a sideline product line from a supermarket insurer like AMI.

[Damon]

I'm with State, I killed one bike 31/12/06, got knocked off the new one Nov 07 and then backed the car into an "appear from no where and stop in my blind spot" old guy, 3 claims in 2.5 years and i still have the same excess and max no claims bonus, they've been awesome

[Fatjim]

I've been with AMI since before they were AMI and I must say I've been considering changing. We got robbed last year, and dealing with AMi was worse than the robbery. They felt it was their right to probe into every personal financial detail of my life. They wanted to see bank statements etc before they approved the payment.

And they used to be top knotch. I wouldn't reccomend them any more.

[munterk6]

The insurance industry/scam is based on FEAR. Thats right, fear of the unknown future. Take care and plan the future and if any barstard takes you out or your treasured possessions, exact your own justice upon him/her.
If no one had insurance wouldn't we be a hell of a lot more careful in the day to day running of our lives? Being "insured" leads to risk taking and negligence, bloody expensive too!
Ever noticed how the biggest buildings in the world are owned by insurance companies? thats YOUR money that paid for them!!:clap:

[Owl]

The insurance industry/scam is based on FEAR. Thats right, fear of the unknown future. Take care and plan the future and if any barstard takes you out or your treasured possessions, exact your own justice upon him/her.
If no one had insurance wouldn't we be a hell of a lot more careful in the day to day running of our lives? Being "insured" leads to risk taking and negligence, bloody expensive too!
Ever noticed how the biggest buildings in the world are owned by insurance companies? thats YOUR money that paid for them!!:clap:

In one word, "Bollocks"! Part of the reason I have insurance is to cover the loss caused by fuckwits that don't have any. Exactly the sort of thing that happened on Friday to my Mrs car, when some toe rag hit it while parked and did a runner.:mad:

[Matt_TG]

Of course insurance is based on fear of the unknown. It started a couple of thousand years BC when shippers spread their fear amongst themselves to pay out if one of their ships went down. Same thing happens now. We pay premiums that get distributed amongst us if one of us has a loss.

The key is knowing what you agreed to when you paid your premium. That's the part that creates the problems .... people don't read what they sign. Then they blame others.

As far as the flashy buildings go, it's all about image - who would trust a company with a ramshackle old building with their property and livelihood? You'll probably find that most of those big flashy insurance buildings aren't actually owned by the insurance co's anyway - the flagship Vero Building for example is owned by the Kiwi Income Property Trust.

[alanzs]

Dave at Kiwibike has always been great....

[Tubbsy]

I had the same with AMI, very rude service after my car got broken into, they didn't want to cover me because of some bullshit techinicality, I was moving between houses and they said I wasn't covered at the new place, even though my policy states I am, over a 3 day period covered at both residences.

They didn't even bother to seat me when I went into their office and the people on the phone were rude every time. I thought stuff it!!! Got their company details from the web and the publicly available names and addresses of all the directors, then e-mailed the area manager to let him know I had 5 letters ready to send off to the directors of the company over the appalling level of service I had received, got a phone call within 30 minutes from someone who couldn't be polite enough apologising, and it was sorted within a week, still with an exorbitant excess though (forgot to lower it...doh!!!).

They will screw you if you let them.

[James Deuce]

In one word, "Bollocks"! Part of the reason I have insurance is to cover the loss caused by fuckwits that don't have any. Exactly the sort of thing that happened on Friday to my Mrs car, when some toe rag hit it while parked and did a runner.:mad:
I'm with you. Bikes get knocked over or blown over too.

[Patch]

my mrs works at a bank, and hence I left her in charge of insurance etc, that's how this excess caught me out.....
You crash, abuse the claims consultant, and then blame your missus - wot a fuckin' legend.

[dasser]

Hey firefighter, So how has it ended ? Have you received an amount yet ?
Good luck. SOund like you are going to need it.

dasser.... Life is not about the number of breaths we take, Its about the number of moments that take our breath away.

[jonbuoy]

I had great service from AMI after writing off a bike. Might have just caught Nadia when she was set for maximum bitch. This is where having the wrong person on the phone causes companies serious damage. I found the same dealing with SKY ended cancelling my account out of spite.

[rosie631]

I had great service from AMI after writing off a bike. Might have just caught Nadia when she was set for maximum bitch. This is where having the wrong person on the phone causes companies serious damage. I found the same dealing with SKY ended cancelling my account out of spite.

You could well be right there. But i think the manager should have taken his complaint about her a bit more seriously.

[Oscar]

The insurance industry/scam is based on FEAR. Thats right, fear of the unknown future. Take care and plan the future and if any barstard takes you out or your treasured possessions, exact your own justice upon him/her.
If no one had insurance wouldn't we be a hell of a lot more careful in the day to day running of our lives? Being "insured" leads to risk taking and negligence, bloody expensive too!
Ever noticed how the biggest buildings in the world are owned by insurance companies? thats YOUR money that paid for them!!:clap:


[1]Is someone holding a gun to your head? Insurance isn't compulsory in NZ.
[2]The biggest buildings have insurer names on them , true. That doesn't necessarily mean that they own them.

[James Deuce]

AMI are superb. Details will follow once my bike is back on the road.

[firefighter]

You crash, abuse the claims consultant, and then blame your missus - wot a fuckin' legend.

Yes, that is the full story, summarised exactly how it happened and as I desciribed......:tugger:


Hey firefighter, So how has it ended ? Have you received an amount yet ?
Good luck. SOund like you are going to need it.

dasser.... Life is not about the number of breaths we take, Its about the number of moments that take our breath away.

Yes, it is coming to a close.

The valuation has come back, and I was happily surprised at the valuation.
Very surprised. Actually I think I laughed - I Won't elaborate further until i'm holding a check in my hands though.
Murphy fucks with me very quickly when I gloat!

[Matt_TG]

Got the cheque yet? All good, bad, otherwise?

Be interested in how it turned out

[Owl]

AMI are superb. Details will follow once my bike is back on the road.

Aren't you the lucky one!:whistle:

[firefighter]

Got the cheque yet? All good, bad, otherwise?

Be interested in how it turned out

Yep, cheque is now cashed.....and, I dunno how the fuck this happenend, their valuer must have been a bit drunk, I was paid out more than I paid for it! :eek5: :woohoo:

Hmmmm, what do I take from all this? Well, um, I dunno, I was treated really rudely by staff, had to pay an extremely rediculous excess, and then had a very good payout......(which kinda just made up for the excess but i'm certainly not sniffing at it!)

Where to from now? Well, i've moved to vero, still no horror stories have been whispered into my ear about them, and the bikes with kiwibike now......

All in all it worked out in the end..........

So, maybe I was a bit rough with AMI? Dunno. I don't really think so, they certainly redeemed themselves with the payout in the end, but god i'm glad to be with another company now!

[Harvd]

WOW thats a really good result compared to how it could have gone. So this is how i make me sum extra cash eh?

[Owl]

Bloody good news there firefighter!:yes:

[James Deuce]

After being with Vero for 6 months with the GSX600, I discovered that my bike was only covered for theft from my own garage, provided it was secured by three locking devices. Supposedly a comprehensive policy.

I rode it every day, parked outside work and sometimes worked into the small hours. It was uninsured. Read the contract carefully.

[Matt_TG]

Sounds like a good result in the end! Maybe change the thread title to you are warned .. of getting more than you expected ;)

[firefighter]

WOW thats a really good result compared to how it could have gone. So this is how i make me sum extra cash eh?

Hahaha, yes well, to say I was surprised is an understatement, I actually laughed when they told me!


After being with Vero for 6 months with the GSX600, I discovered that my bike was only covered for theft from my own garage, provided it was secured by three locking devices. Supposedly a comprehensive policy.

I rode it every day, parked outside work and sometimes worked into the small hours. It was uninsured. Read the contract carefully.

That's a bit bloody dodgy, bikes with Kiwibike now though (swann) Have you had/heard of any issues with home/contents car insurance?


Sounds like a good result in the end! Maybe change the thread title to you are warned .. of getting more than you expected ;)

Yeah! Threw me off guard a bit, after the reception I recieved over the phone and after a recent thread of another member getting ripped off by them (well they tried to) I was more than worried, hence my instant thread typed up as it was happening........

[ArcAngellives]

hey man that really sucks if you feel like taking it further talk to your local insurance onbudsman or onwardsman something like that the citizens advice bureou should be able to tell you who he is and be real carefull posting this kind of stuff it has to be heard but if they find it there likely to try do you for defimation or charicter but all that aside. fuck "the man" and that bitch

[jrandom]

fuck "the man" and that bitch

If you do both at the same time, I guess it counts as a threesome, eh?

[jtzzr]

Glad you got the payout mate , I know Nadia personally ( she`s a mates ex), do you want her address and phone number ?

Just fucking with ya , I ain`t giving out her personal details. Maybe she was having a bad day, she`s always been nice enough to me ( well to my face anyway).

[firefighter]

Glad you got the payout mate , I know Nadia personally ( she`s a mates ex), do you want her address and phone number ?

Just fucking with ya , I ain`t giving out her personal details. Maybe she was having a bad day, she`s always been nice enough to me ( well to my face anyway).

Hahahaha, I read that first part and actually thought you were serious!

I was thinking shit i'm not thaaaaaat pissed about it! lol

Water under the bridge now, iv'e moved companies and won't be back, I had forgotten about it until now.

[jtzzr]

Hahahaha, I read that first part and actually thought you were serious!

I was thinking shit i'm not thaaaaaat pissed about it! lol

Water under the bridge now, iv'e moved companies and won't be back, I had forgotten about it until now.

Hahaha , glad your`e over it( you have to I suppose).

What`s the new insurance company like?

And the new bike?

[firefighter]

be real carefull posting this kind of stuff it has to be heard but if they find it there likely to try do you for defimation or charicter but all that aside.

Can you be done for that if you are merely stating fact and it's written as it happened?

I have written also a finish to the story which makes them seem not so bad.

I could very easily have lied and said I was having problems being paid out....so is it even deffimation of chracter?

[firefighter]

Hahaha , glad your`e over it( you have to I suppose).

What`s the new insurance company like?

And the new bike?

Yeah well, the payout was just what the doctor ordered! (speaking of which iv'e got some loose cartillage in the old elbow still, still hurts like fuck I should really get it looked at I suppose......)

New insurance co. well I won't know unless I make another claim, have gone kiwibike now and my parents have nothing but good things to say about Vero.....

New bike, fucken awesome, love it, especially with the new headlights (I hate the single light not my thing) Makes it all hugely worth it in the end! Makes me smile every ride!

[cheese]

All insurance companies are evil. State is the worst...

[scumdog]

I'm noticing a trend here, all of the people not having issues have'nt got a written of vehicle, just one which needs fixing......

I'm going to presume, that the fact it's getting written off is the secrect ingredient needed for them to become kentucky fried cunts.

I believe Jantars vehicle was written off.

[fireliv]

All insurance companies are evil. State is the worst...

Agreed.

Signed up my car with AMI-1991 Honda civic (stock) when I was 20 (back in 2003), lady was rude, wouldnt insure it for theft, only gave 3rd party option (but that was all I wanted) laughed in my face when i asked if my flatmate could be included to drive the car. Took insurance anyways cos needed it as was over christmas, got a car alarm put in it the next day. After christmas went in and saw state who allowed me to have anyone drive the car and discounts for being a good driver straight away. Went back and cancelled my policy with AMI (within 10 days-full refund) when the same lady asked why I was cancelling I told her that she had been a rude cow and I got a better deal with the compertition.

When Phoenix started riding we insured the bike with State as well. First crash, not phoenixs fault (hit by stolen car) had to pay excess, bike written off, said they would cover the helmet then said they wouldnt, then said they would, then said they wouldnt. Laid formal complaint about there attitude and a few other things. GOt nowhere so moved all the insurance to Tower.

Phoenix gets the ZX6R, decide to go through kiwibike. I got the bandit so we sent that there as well. Phoenix has a crash which he was given a infringement for, which was droped as the other lady was at fault, but we still had to pay the $1000 excess. Lots of dealings with Dave over that one. Phoenix turns 25, the renewal comes along, cost $900 to insure and $1000 excess, the same as before he turned 25. Told them to get fucked.

Now with David Golightly (through Vero) ZX6R insured for $375 a year with a $250 excess. The SV is also with Vero now too.

I would like to say that Tower has been great. Chick crashed into our car and they were really good. I have also had a run in with a car and they were really good about that too. THey dont like insuring motorbikes so the costs with them can be higher but thats cool.

But overall insurance sucks! We pay money to them so that things are covered when we crash but as soon as we do crash they treat you like crap. I know I have paid more in insurance than I have claimed.

[Laxi]

Bloody Jew-Scottish-Dutch-Duck's Butt

now if you had just added somthing about asians and indians you could have insulted over a 3rd of the worlds population in 1 shot! AWSOME:2thumbsup


Common misconception. It was changed to duct tape for this very reason - animal rights activists were outraged and staged many violent protests. Duct tape was lucky, Hamster Tape ^TM was withdrawn completely (but still available through underground supply channels).

lmfao! classic