My insurance company is looking for a loop hole.....Advice please!.

**SlowHand** · 12th April 2006, 20:45

What if you called the policia/driving histoire thing and said you want to know if there are any outstanding fines? they might get into dracula mode and hunt through your records, or they could send you to another department

**NordieBoy** · 12th April 2006, 20:48

When I crashed the Nordie the in-sewer-ants company said my helmet was covered under house and contents and that made sense so I faxed off my acceptance.
Whilst riding along the next day I had a brainwave.
Hey! He hit me! Barstewards.

Oh and they wern't prepared to cover the cost of a hire bike whilst mine was out of action either

So basically in the end I forked out $1500 of my own money and ended up with 2 working Nordies

**Fishy** · 13th April 2006, 08:06

Originally Posted by Oscar

You are dealing with the General Manager?!
What sort of outfit is this...?

Yes I am dealing with the General Manager, apparently there are only 2 people at this place that deal with the motorcycle insurance side of things as this company are underwriters for a bigger firm.

**Fishy** · 13th April 2006, 08:09

Originally Posted by Strat

What if you called the policia/driving histoire thing and said you want to know if there are any outstanding fines? they might get into dracula mode and hunt through your records, or they could send you to another department

Nah man all ready tried every option with the police infringement bureau. They can't help me for 2-3 weeks to type a simple letter.

**Fishy** · 13th April 2006, 08:12

Ok so I managed to get hold of the GM at the insurance company and asked if I gave him written authorization could he access my driving history and he said yes. So I wrote out a pretty detailed letter explaining all events up until now and gave him the authority to access my history. I faxed it off to him yesterday afternoon and I am gonna call him back today to see whats happening.

**beyond** · 13th April 2006, 09:06

Mate, what a drama

They don't mind taken your mulla all that time and when the time comes to make a claim ya can't find them for dust.

Looks like this might be spun out a fair bit especially if the reports they need, take so long to process. Man, beaurocracy, who needs it.

**Fishy** · 13th April 2006, 09:12

Yep talk about drama alright!!!! I just wanna get back on two wheels. All of this crap is just making me mad......

**Fishy** · 13th April 2006, 11:30

Ok so I called my insurance company (who are actually quite nice to deal with) its the company that they are underwriters for (Lumley Insurance) that are causing the issue.

They faxed my letter of authority off to Lumley and asked if they can access my driver history now that I have given them written authorization...... they came back with NO and that I MUST get the information for them from the police.

My insurance company have said that just by talking with me that he trusts me and that he feels that I have been honest about the whole thing and is going to write a letter to Lumley Insurance to re consider and to access my records so that my claim can be settled. He is cc'ing me into the email.....

This is gonna be a looooong process I feel. This really sucks! I have no bike and I still have to pay off a wreck.

**Jantar** · 13th April 2006, 11:41

There are three insurance companies that appear to crop up again and again with bad reputations for settling claims. Lumley, Star and State.

The best appears to be AMI and John Barker. So how do the premiums compare between the best and the worst? It alsmost seems that the best companies have the cheaper premiums.

**Fishy** · 13th April 2006, 11:44

Originally Posted by madboy

Do what I do when I apply for insurance. I fax through a copy of the LTNZ printout of my driving history.

Hey man, how can I go about getting a copy of this for my history???

**Rashika** · 13th April 2006, 12:06

Originally Posted by Fishslayer

Ok so I called my insurance company (who are actually quite nice to deal with) its the company that they are underwriters for (Lumley Insurance) that are causing the issue.

They faxed my letter of authority off to Lumley and asked if they can access my driver history now that I have given them written authorization...... they came back with NO and that I MUST get the information for them from the police.

Interesting... the Lumley part anyway.
Had a problem with them a few years ago when we were burgled... They almost didn't believe it had happened as we said it had. The burglers stole the items, after breaking in thru the ensuite window while we where asleep, walking thru our bedroom (oh fkn yay!) stuffed them in partners work vehicle and drove away...then ...wait for it... brought said vehicle back and parked it up, tho now quite in the same spot, and tossed keys back inside house.
How did we know?
TV remote in the van, along with chip packet and half drunk beer....not to mentiuon the mess and missing bits
Police believed it.. took finger prints etc even tried for DNA off the beer, they were great, i was freaked :spudbooge Insurance assessor believed it...
What eventually decided them was the 5 other identical burgs in the same area and night... geeeeee, not just a coincidence then huh?
It did take them (being Lumley NOT the actual company we dealt with) over 3 weeks and numerous calls from us to get it all sorted out tho...

Hope you do get it sorted out too mate...shit having to wait tho

**Cibby** · 13th April 2006, 12:14

Fish, i would probably stop publicly dissing Star Insurance. I work with them personally and have had nothing but excellent service from them. I have also written off two bikes and had the payout within 8 working days. I have also been involved with two claims for other kb members that have been handelled professionally and quickly.

Insurance Fraude is a very real problem that insurance companies have to deal with, and it states very clearly on the proposal form that you must disclose everything.

I do trust you that you did at the time with everything that you can remember but i've been dealing with an issue recently where a client says that he put down everything he coudl remember.. 2 speeding fines in teh last 4 years. His claim was then declined as we got his driving history and he had had 3 speeding fines PER YEAR for the last 4 years and two loss of licences that he had "fogotten" about.

As i said, they need to protect their bottom line and if what you say is true about your history then you shouldnt have a problem.

**Fishy** · 13th April 2006, 12:15

Yep absolutely suck waiting!. This Lumley crowd sounds like a lot of people have trouble getting money out of them.

**Cibby** · 13th April 2006, 12:15

Originally Posted by Jantar

There are three insurance companies that appear to crop up again and again with bad reputations for settling claims. Lumley, Star and State.

The best appears to be AMI and John Barker. So how do the premiums compare between the best and the worst? It alsmost seems that the best companies have the cheaper premiums.

Star insurnace IS John Baker.

**Fishy** · 13th April 2006, 12:19

Originally Posted by Cibby Chick

Fish, i would probably stop publicly dissing Star Insurance.

I haven't...

Originally Posted by Fishslayer

Ok so I called my insurance company (who are actually quite nice to deal with) its the company that they are underwriters for (Lumley Insurance) that are causing the issue.

Its not Star that are causing the problem its Lumley. The guy I am dealing with at Star is actually really good to deal with.