Farkin insurance wan#%ers

[dmouse]

well this is the big day i hope, just gotta wait for a phone call and things could all be swings and roundabouts, but i aint holding my breath and its the first of DEC tommrow. so mid DEC is really close all ready, and funny enough mid DEC in fact the 15th will be my 50th bday, so with a bit of luck i will get all my birthdays and xmas rolled into one we will see !!

i would like to thank all that have supported me im very greatfull the ones who have done the most for me, has really been behind the scenes through PM`s (personal messages) your all a great bunch of people and a big thanks to you all hope we can meet one day take care and i will keep this going until its fully resolved,

thanks again and the best regards to you all

[dmouse]

well still waiting and this week is running out, so far i have had an offer of $1000 to cover the cost of rental ?? that would only cover a couple of days, i cant even buy a reg n wof`d bike from TM that isnt a scooter for that, or i can have my bike back and they will give me the cost of the repairs in cash ?? mighty nice of them seeingas i dont owe anything on the bike and it would not be of anyuse with a bent front end ?? NZI wont play ball and Foodstuff have contacted me to find out whats happening. all i can say is im well and truly pissed off and i hope that if nothing else it gives you some pointers on how nice insurance compaies can be even the big ones and that about sums it all up.

[Pancakes]

Your more patient than me mate.

When an insurance co covered the rental cost for me they said pay it and claim it back from them, like fuck I said, and told them to fax to the bike shop a form saying all costs of rental were covered. They did. First they were on about the cost etc and I said thats in your hands not mine, get my bike back and the rental will be over. I didn't want money I wanted my bike back and transport in the meantime.

I have my vehicles with NZI and am watching to see your result to see if it will stay this way, especially as it's been nearly 5 months for my bike to be repaired and it's not all back together yet.

If the insurers are watching and think I'm kidding about removing my policies please join the site and PM me for my details.

If others follow suit this may become an expensive mistake for them.

[dmouse]

its a game they play with our money and our lives,

i have just come off of the phone with IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i have to give them the bought bike back when i get my own bike back im well and truly gutted pissed off farked off but they have you by the balls, at first NZI when i spoke to them were willing to pay out in full for my bike until they found out the value of it 5ok, hey the accident was not my fault i did not cause it, and i am the one that gets hammerd.
foodstuff have emailed me and told me that they are keeping an eye on the situation but i dont see that sortin or helpin me in anyway. i think in future i will just use third party insurance as the cost of $1220 just is not worth it for what i get in return, as it was the other guys fault third party would of been just as good as fully comp, i am carefull i dont ride like a loon so it dont pay to get the best cover, thats my thought im off to cry now fuck the stress of this week trying to get through this i think that i will build a cage around my bike before i take it out again, that is when i get it back.




o well gota go source a cheap bike anyone got one in CHCH area its cash !! PM me

take care all and beware of those nasty insurance snares

[Matt_TG]

At least you have something from them, that's an offer on the table that you may find is unreasonable but it's a start. In order to get mobile again it could be the answer, and you don't have to worry about getting rid of it again.

I wish I could offer more advice but ultimately you are paying the price of owning a bike that is desired. If they were a dime a dozen you'd have parts here already but you wouldn't have the proud feeling of riding something special mate.

Dave, I think you should accept the offer, but still press for communication as to repair time and parts arrival. As the owner you have a right to know what's happening.

I just wish we could fast forward to when it's all over, and see you riding your baby and enjoying all that it offers! Then today will be a distant memory. Trust me on that mate.

[dmouse]

Hi and thanks for all your help mate, yes its a start and it gets me some wheels they left it allmost to 5pm so now nothing can really be done until next week, they have promised to keep me updated with emails on where parts are and where they are upto with things, but as the big fatman gets nearer there is no way i can see it being done before then, so if i have to ride round on something else for a month or so at least its wheels and im mobile again, its not the best solution but at least its one.

i will keep this thread going though as its just starting to generate some waves foodstuff are not too happy with NZI and thas a fleet policy so maybe it will cost NZI there i hope so they have not helped there client or sotred out the mess as you would expect, and for there claims manager to tell me to claim for full replacment then change his mind and his underpants when he found out the value of my bike, that is shocking he should of at least talked to IAG first before he said a word, i rekon he could have a warm arse next week. i have forwarded on the last couple of messages and a link to this forum to IAG,NZI,foodstuff so it might get interesting next week i hope so as i have not signed anything yet things could and might change for the better, who knows, but once again matt and all the others that have chipped in a big thanks for the support.

now while we have the subject going and you have a prob with your insurance get in there you never know we might get treated better and more reasonable true cover its your bike and your money jump in ive opend the door stick your foot in while the iron is hot.

regards and best wishes to all, i gota go find a bike thanks all

dave

[dmouse]

i am really surprised that you are all happy with your insurance company, i must be the odd one out here. never mind

[scracha]

IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i

That's is not a reasonable offer by any stretch of the imagination. If the 3rd party had written off your $50,000 car would they expect you to drive about in a $1700 car for months until you got your vehicle repaired/replaced? I think not. Your responsability is to minimise your expenses in getting from A to B. It would be reasonable to hire a motorcycle for a small period of time. For longer periods, it would be reasonable to either lease a motorcycle or purchase one and sell it once your bike is put right/replaced. The interest/fees on a lease/loan in order to achieve this is a reasonable expense that the 3rd parties insurance should pay. Remember to charge the bastards for all the letters and phone calls too.

Tell them you're quite happy to take them to court if they don't come up with a reasonable offer. FFS, you're only asking to hire a bike on the odd weekend to go to rallies whilst they put right THEIR insured's damage. Imagine what the claim for hireage would be had you been using the bike on a daily basis and/or didn't have a car like some other riders?

[fredie]

get a solicitor involved now . before its too late . these idiots are monkey robots that make up stuff too tell you . its there job . they were trained too behave like this . its disgussting.how they go about there work .a disgrace .there have been over a 1,000 people read this thread . the other post is right . if someone had a $50,000 car damaged and they offered that person $1,700 too buy a shitbox . most people would tell them too stick it and see them in court hell . here in aussie . if you are a member of the NRMA and break down anywhere .they put u up in a motel and give u a hire car no worries. and these robots are telling u a whole lot of lies .this IS a ficking disgrace . hire a bike or a car NOW . SHAME ON THEM

[dmouse]

thanks for the advice but a lawer would take my arm and leg then the bike would be of no use erm maybe if they tool an arm from one side of my body and the leg from the other ? and there is an automatic harley on tardme ermm

lol no just jokin mate no you are right if we dont stand up to them they will treat us like shit, i am hoping it helps out some other biker so my efforts have not been in vain, i have sent this link to all parties involved from the boss of the guy that hit me, he works for foodstuff and there insures are NZI and my inurers are NAC, which is part of State insurance,NZI,IAG and other brother sister companies, i think they splitt up ao that they can hide our money and not pay out.

im still looking for some wheels anyone got a bike they wana sell or loan until proberly the new year !!! PM me

[scracha]

Check if your policy provides legal cover. If it does don't let them assign you one of their own solicitors. Remember, both insurance companies part of the same parent company soit's basically you VS them.

If you dont have legal cover then I dunno how it works over here but back in shitey blighty I used a "no win, no fees" guy and his fees were essentially added on to the claim. In the majority of cases they back down and stop dicking you around as soon as a solicitor gets involved.

[dmouse]

thanks for that as an ex pom myself, i never ever had a prob in the uk as there is so much competion and i never had a bin there either but then stop signs and give way both mean the same thing there or they did when i left.

ive spent all weekend trying to find a bike for 1700 and there are two i can find that i would stick my arse on and i am not having much luck with them so i will give up and throw it back at the insurance to sort out, shit i shouldnt be doing the work for them, i wonder can i charge a fee for time ect i must be at around 5k plus ovetime and stress about 10k i wonder !!!

thanks mate i will look into that tomoz

regards

[dmouse]

as i have had no luck in finding a bike forsale in Christchurch for the agreed amout of $1700 and i would of proberly of piched in some of my own money had a suitable bike been found, i have offerd money for a couple of bikes on trademe but the sellers are holding out.

so where does it leave me ?? looks like lawer time so i have written this letter to send to all parties involved IAG NZI NAC foodstuff ect please read and if i have missed something or not worded properly please advise and i will put it right before i send it to the above, ? thanks and regards to all


David O`Neill
26 O`Neill Ave
Northwood
Christchurch 8051

Tel.03 3526458
Email. datmouse@xtra.co.nz


NAC = National Auto Club
NZI = New Zealand Insurance
IAG = Insurance Australia Group

IAG New Zealand Head Office

Telephone:09 969 6000

Postal:
Level 11
151 Queen Street
Auckland

Customer (claims and policy enquiries)
For all enquiries about insurance claims and policies, please visit one of our brand websites.
State
NZI
NAC
Swann Insurance
Mike Henry Travel Insurance
DriveRight


Dear Sir/Madame

Re Registration REBL Harley Davidson Fatboy
Re Claim. NACW12548
As you are more than likely aware my motorcycle was badly damaged in a accident on the 5th Oct, the vehicle involved was Registration DBK361 driven by an employee of foodstuff NZ, there insurer being NZI, the police accident report number is 3764207, I have witness’s to the accident one of which is an off duty police officer, whom all place the blame on the driver, and the driver has admitted his fault in the accident.

Today’s date is 3rd Dec that’s over eight weeks since the incident, and to be honest I have not had much help from my broker (C G Rothbury) or my insurance company NAC, all that has been achieved to date is that, my motorcycle may be ready by mid December, but there is no guarantee that this will be the case, as the parts are being shipped by boat ?(third party liabilty should of been used.), they may not land on time, or clear customs and MAF before xmas, so more than likely it will be next year after the holidays before the bike is completed.

The motorcycle was placed for repair by the assessor for NAC, not me the assessor agreed to the repairs and payment for the work, all i was told was that the bike will be ready mid December, its not my fault the bike is there, accident or otherwise, its not my fault that parts have to be brought from the USA for repairs, or my fault that any delay is caused by your chosen shipping method, i pay my insurance to cover an item for a set price, i did not argue over the cost, i paid it now its up to you to carry out your side of the bargain, if you had to wait for my payment, would you mind if you had to wait almost three months for payment, i think not you would of canceled my insurance, and if i had of had a bump while waiting, i would not of seen you for dust.

You may ask why the rush to repair the bike, the bike is my only form of transport, as I have a disability I cannot drive a car/van, I do own a van but I cannot drive it because of my condition, if you would like proof of this condition please contact my GP Marc Sycamore at Mariehau medical centre Christchurch, Tel 03 3851935 I am sure he will confirm that I have this condition.I do not want to be treated different because of this
impairment, i just want to be treated fairly, not much to ask.

I have spoken, and emailed on more than numerous occasions with NZI,IAG and NAC (Rothbury)concerning this claim, my last conversation`s last week, one was with Nick Symes of NZI claims, who stated why can the bike not be written off if the claim is going to take so long to settle, and in another conversation with Kate Smith of IAG Claims, she did not agree to this as the cost of repair was less than 20% of the value of the bike, she agreed with Nick Symes of NZI to pay for a second hand motorcycle payment of $1700 to cover such a bike to be bought and then, resold when my motorcycle is repaired, to recover cost for the insurance company.

I at first agreed to this but after spending all of the weekend on various web sites and scouring papers, and for sale adds, it has not been possible to do this, it has been a very long and stressful weekend, on my behalf trying to resolve this on my own, I am disgusted with the lack of help and information from all the above companies.

I am now going to call my solicitor today and seek legal advice as to where I can go from here, unless you all agree to a deadlock with this claim I cannot go forward in anyway to resolve it, had any of you been willing to cover the cost (third party liability) of a rental motorcycle then this would not be a problem.

(legal costs are also supposed to be covered under third party liability)

I pay $1220 for my motorcycle insurance and another $300 plus my house and contents, and these policies go through Rothburys and onto NAC,NZI,IAG and all there offshoot sister/brother companies, in total I pay $2,942.64 per year in good faith that in the case of any unforeseen event I will be covered by the above companies, I now ask myself will I be really covered, as in the last year 13 finance companies have gone down, is insurance really a security, or is a case of penny pinching and cutting costs on repairs and slowing things down, in which ever case, I am totally disgusted with the lack of service or help on this matter, after all I am the injured party I was not the person that caused the problem.

All I want is mine, or a replacement bike or at the very least a rental/loan motorcycle to get around on until mine is repaired, and returned in pre crash condition.

A very disgruntled pissed off customer

David O`Neill



Had these fellow bikers from the below website of not offerd help and advice, i do not know how things would be now, many thanks to all involved.

http://www.kiwibiker.co.nz/forums/sh...ad.php?t=61745

[Matt_TG]

Very well written Dave, I hope things work out for you and you're back in the saddle by the end of the year. Good luck (again)!

[dmouse]

many thanks Matt spent a lot of time on that letter it as now been sent to all the parties involved, and i have sent copies to various newspapers and tvnz people have to know that there dollars are not being spent correctly. in fact i went on IAG`s website and i was stunned to see that if your over 40 clean licence and no claims you can have there elite motorcycle insurance at 40% off, now im trying to add things up here, im 49 50 on the 15th of this month, i have a clean licence no points no claims so whay am i paying the same company through a broker $1220 a year, and this advertised elite insurance is especialy for higher cost bike like ducati and here goes harley davidsons.

i gota pause getting exited and startin to drool here lol so if i am on this elite insurance and my insurance is allready 40% off then that would mean my insurance should be around $2700 at normal cost someone somewhere has a math problem ???

such is life thanks matt i will pm you if anything important comes up where i need to tap into more info thanks