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

[Fishy]

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.

Guess it my fault then seeing I didn't put down the other couple of speeding fines when I first filled in the original insurance application form.

When I was filling in my original application form I told the lady (I think it was the insurance person from a bike shop) that "I Think thats all of them but can't quite remember".. she said "ok thats fine" whicht was a mistake on both our parts.

I should have read the fine print where I'm guessing I would have read that there must be full disclosure, and the lady who I was talking with shouldn't have said "Thats fine" she should have said thats not good enough, this information needs to be 100% correct down to the last ticket otherwise your claim can and probably will be declined.

[750Y]

insurance fraud and non disclosure are 2 completely separate issues.
i get sick of hearing from insurance people how fraudsters are the reason why genuine people get screwed. the money is the reason.
in reality a large part of the reason that motorcycle insurance claims are so tenuous is due to the risk, & a HUGE part of that is to do with people throwing their bikes up the road. this is factored into the premium but that is not the only concession an insured party suffers, case in point is this run around that FS is getting.
As a Risk Analyst & Strategic Risk & Intelligence Advisor i know something about the subject. also been screwed by insurance big time. I've had well over a dozen bikes & have only ever made 1 bike insurance claim in my life (bike stolen) but still got screwed, oops i almost forgot my standard STATE SUCKS plug 8-) disgusting pigs...

[Cibby]

Fish - Sorry, i'm not being mean, i know it is arse.. Phil is great at Star and your right it is Lumley that are holding things up.

YAH for insurance

[madboy]

At the end of the day, you didn't tell the insurance company everything that they needed to base their decision to accept your cover on. Driving history is directly relevant to a MV insurance risk. Whether you forgot to tell them, or whether you "forgot" to tell them doesn't matter, the insurer still needs to check it ALL out before they can make a decision. No disrespect Fish, they're just doing their job and you seem on to it enough to understand that.

I see loads of cases of non-disclosure, misstatement and fraud, dealing with insurance policies worth a lot more in financial and emotional terms than pissy little motorbikes. As soon as one of these three elements comes into the equation, they have to be checked out - fully. And if that delays the claim decision, then so be it. Just be thankful they're only checking out a driving history - that's pretty easy. Wait until you've got to check someone's medical history, who may have lived in another country, and is deliberately trying to hide information from you! But at the end of the day, once the insurer has ALL the information, they don't necessarily decide NOT to pay out. In fact, in most cases I've seen, we've still paid. But I've had to do my homework first!

As per my PM to/from Fish re: obtaining driving history, I'll publicise it here for others who may be interested in obtaining their own. Ring LTNZ - driver licensing. I had to fax thru a written request and the info was provided I think within a week (it was a few years ago now). Easy peasy.

[Fishy]

No disrespect Fish, they're just doing their job and you seem on to it enough to understand that.

Yep I completely understand that they are just doing their job.

As per my PM to/from Fish re: obtaining driving history, I'll publicise it here for others who may be interested in obtaining their own. Ring LTNZ - driver licensing. I had to fax thru a written request and the info was provided I think within a week (it was a few years ago now). Easy peasy.

I have now just done this. They reckon it will take around 10 working days to get it to me.

[WINJA]

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.

TO SPEED THEM UP INSURANCE COMPANYS SHOULD HAVE TO COUGH UP A LOANER BIKE FOR THE TIME IT TAKES THEM TO PROCESS THE CLAIM THAT WOULD SPEED THINGS UP .
THE GOVERNMENT SHOULD MAKE A LAW TO COVER US FOR TIMES WHERE INCONVIENECED WHEATHER IT BE A WARRANTY CLAIM WAITING 3 MONTHS FOR A NEW CRANK OR A BIKE PUT DOWN THE ROAD AND INSURANCE FUCKING US AROUND

[scumdog]

TO SPEED THEM UP INSURANCE COMPANYS SHOULD HAVE TO COUGH UP A LOANER BIKE FOR THE TIME IT TAKES THEM TO PROCESS THE CLAIM THAT WOULD SPEED THINGS UP .
THE GOVERNMENT SHOULD MAKE A LAW TO COVER US FOR TIMES WHERE INCONVIENECED WHEATHER IT BE A WARRANTY CLAIM WAITING 3 MONTHS FOR A NEW CRANK OR A BIKE PUT DOWN THE ROAD AND INSURANCE FUCKING US AROUND

That wouldn't be too hard to get sorted - but the buggers would double the premiums to compensate, they never lose.

[WINJA]

That wouldn't be too hard to get sorted - but the buggers would double the premiums to compensate, they never lose.

NOT IF THE LAW STATED ANY INCOME OVER A CERTAIN PERCENTAGE IS FORFEITED TO THE CROWN , THE IDEA IS ONLY TO GET THEM TO SPEED UP THEIR PROCESSES , SO IF THEIR FAST ENOUGH IT WILL COST THEM FUCK ALL .


BUT THINK OF THIS , WHY IS IT FAIR TO BUY A NEW BIKE HAVE IT FAIL IN A WEEK OR 2 , THEN WAIT MONTHS FOR THEM TO GET THE PARTS FROM JAPAN AND FINALLY GET IT FIXED ALL THE WHILE YOUR 2 YEAR WARRANTY IS TICKING OVER AND YOUR CATCHING THE BUS . WELL IF THEY HAD TO SUPPLY YOU WITH A BIKE THAT IS EQUAL TO OR BETTER THAN THE ONE YOU BOUGHT DURING THE REPAIR PERIOD IMAGINE HOW FUCKEN FAST THEYLL BE, OR ALTERNATELY WHILE YOUR $20,000 SUPER BIKE IS OFF THE ROAD THEY MUST PAY YOU $150 A DAY TO HIRE ALTERNATE TRANSPORT . CONSUMERS ARE ROOTED IN THE ARSE TOO MUCH IN THIS COUNTRY

[slopster]

Surely speed camera tickets mean nothing because they could have been done by anyone and you are just the owner of the vehicle hence no demirits.

[villiant]

speeding tickets would be a used to decline your claim unless you have lost your licence before because of speeding infringements. Any criminal charges or accidents you were liable for could though. Are they trying to prove that careless or dangerous use of your motorbike cause the accident? If you weren't, and your accident was purely 'accidental' or 'unavoidable' you may want to get hold of any witnesses for statements. Make sure put writing the conversation you had with the claim handler when discussing your past infringements etc - send this to your insurance company. If your claim is declined, write again and request they reassess their decision. good luck!!

[Ixion]

NOT IF THE LAW STATED ANY INCOME OVER A CERTAIN PERCENTAGE IS FORFEITED TO THE CROWN , THE IDEA IS ONLY TO GET THEM TO SPEED UP THEIR PROCESSES , SO IF THEIR FAST ENOUGH IT WILL COST THEM FUCK ALL .
,,

Don't mess around. Nationalise the bastrads.

[N4CR]

I think I saw your gheyblade RRRR in mt eden today, good effort mate. Looks completely fucked. Guess they aren't built like they used to eh.. stupid hondas. WOn't make that mistake of getting one again eh

Shoulda put a rotang in it.


Hope you get back up and running soon man, AND those picky cunts pay out. Get a mans bike... bleck zx10r anyone

[R6_kid:Me]

well i finally read the lot mate and after telling this to the insurance guy i mentioned in the PM he said this "Ask them what the premium would have been had they known about said 'omitted' speeding fines. If you are able to pay the amount, ask them this, If you payed out to them the amount extra that the premium would have been would they then payout on the claim?"

I'm sure its not what you want to do but for the cost of maybe an extra few hundred dollars you will be back on the road again, albeit on probably a slightly lesser bike (of course if you change brands the only way is up!)

The guy said that this works 90% of the time.

[2much]

Surely they've paid out by now, what's the latest FS?

[Fishy]

Surely they've paid out by now, what's the latest FS?

Well after about 6 weeks they finally paid out. Just basically had to prove that I wasn't hiding any information from them.

So just trying to put some money away till I have finished at uni which is when I will be back on 2 wheels again.

Thanks everyone who helped out with advice on what to do.