Farkin insurance wan#%ers

**dmouse** · 3rd December 2007, 07:43

lol you did mean this year didnt you mate !!!!

Originally Posted by 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)!

**Pancakes** · 3rd December 2007, 10:54

Yeah lay it out to a lawyer and see if they will work no win no fee. Chris Comeski (sp?) in Auckland would probably be a good start for this type of thing.

**dmouse** · 3rd December 2007, 11:30

if you know and can recomend this person then tell him to give me a call, im still waiting for my lawer to call me back, either the water is too deep for him or his life is complicated enough at this time of the year either way he will lose out.

thanks Pancakes and my details are all on the letter above/previous post if he wants to try the water.

thanks again

dave

Originally Posted by Pancakes

Yeah lay it out to a lawyer and see if they will work no win no fee. Chris Comeski (sp?) in Auckland would probably be a good start for this type of thing.

**Pancakes** · 3rd December 2007, 11:42

Can recommend him on the basis that he was recommended to me by the husband of a friend. The husband happens to be a QC and the case I wanted help with was when I got hit by a bus on my push-bike (real bike, heheheheh). They said he would be the best person for the job and the cost would be covered by legal aid - the other party.

They finally came to the party just before I was going to have the first meeting with him and just after I had mentioned his name to their lawyers so he must be ok.

Don't know him like I could get him to call you but if you give him a bell I'm sure he will have a listening ear.

**dmouse** · 3rd December 2007, 13:24

i gave up on my lawer he never even had the decency to call back, i have called and emailed the ombudsman but i dont hold much faith in these people as there paid with our money by insurance companies, contacted another lawer who is on lunch and lattie at the moment however i have had nothing at all from any of the companies involved which is hardly surprising, i will try and keeps things updated as they happen.

i just thought this thread has had over 1000 hits so i hope thats over 1000 less people that use these companies for insurance, but then again they own the full playing field so not really cricket is it !!!!!

**dmouse** · 3rd December 2007, 18:12

ok i give up lawer says unless a deadlock can be reached there is nothing that i can do unless i want to throw loads of money at a multinational company i cant win there, insurance says that we have not reached a deadlock as my parts are on there way though it be a slow way on a boat somewhere in the pacific !!! though they tell me in future they will offer air frieght to other claimants though it does not help me at least someone may gain out of this.

as for me my hands are tied i cannot go forwards or backwards they will buy a bike at a reasonable cost ? last amount of money spoken about was $1700 that they will resell to recoup there money back, i just have to wait for them to source and purchase the bike, i have thrown some at them from trademe to look at.

to be honest im pissed off deflated and at a total loss, i am at the mercy of them and there rules, we as insured parties have little right the ISO or ombudsman will do nothing for you unless a deadlock is reached, and the insurance people will not agree on something that is unreasonable to them, in todays age and the postage/frieght or courier systems there should be no excuse for any delay for parts or whatever, also these parts if they need to be shipped should be coverd by the "third party option" as a part of any policy.

you as the comsumer HAVE to make these clear when you take on insurance or at least read the small print, this does not affect me in this case, but in all honesty this cockup was made by the assesor when he removed the bike from Rolling Thunder and placed it where it now sits waiting for parts. he and his company should be liable for costs for this or rental of alternative transport, i give up its up to you now you can make a difference when you purchase your insurance its your dollar and your bike. make sure you have everything clear when you take on insurance and this means if in the event of repairs needing to be made under insurance accident/claim that frieght is included for the parts if they have to be shipped from overseas, so its not just harleys im talking any euro usa or exotic bike its your dollar.

im done good luck

**scracha** · 3rd December 2007, 22:23

Originally Posted by dmouse

insurance says that we have not reached a deadlock as my parts are on there way though it be a slow way on a boat somewhere in the pacific !!

Deadlock or not. I can't understand why your lawyer isn't pushing them to accept your reasonable expense of a hired, leased or realistically priced temporary motorcycle.

Have I got crossed wires here or is the $1700 offered yours to keep? If so, it will cover about 17 days hire costs or interest charges on a bank loan for a temporary alternative....but what the hell can you buy these days with that sort of money? I see pushbikes going for more.

**fredie** · 4th December 2007, 00:13

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

**quackquack** · 4th December 2007, 07:39

Originally Posted by fredie

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

I have a $47,000 car my policy allows for a rental car for 14 days at $45 a day good luck renting a bike for that much a 50K car is not an expensive car at all.

Hope it all goes well Dmouse, good luck for Christmas and Happy holidays for your family I'm sure this is making it unpleasent for them and all of us should remember the Families at this time of year.

**dmouse** · 4th December 2007, 08:32

lawer says that until or if the insurnce will not agree to deadlock there is nothing that can be done by him or the ombudsman (ISO) because the parts are on order means that the process is being followed and therefore not in deadlock, yes they originaly offerd me $1000 towards the cost of a rental but with the deposit being $400 and with there insurance and addons it would not leave much left for more than a day or two ??, so i suggested the idea of buying a runaround bike from TM or where ever, at first this was left at 1k but like you say you cant buy much that is fit for the road for that money, i got the amount changed to $1700 as there was a couple of bikes on TM that would of been suitable but being an auction and no buy now on the items it soon passed the amount allowed, so now i have put the ball in there court and told them that i will ride anything over 250cc as long as it has reg and wof, but they have to buy the bike and pay for it extra, as they want to resell the bike when my bike is repaired to recover there losses, so not the money and bike is there and will remain theres.

not much help or service for your money this is a so called executive elite policy that i pay$1220 for and what have i had to be honest nothing but trouble stress and heartache, but the cruncher is the accident was not my fault that was some nice guy from foodstuff

justice what the hell is justice !!!!! its just a word that is abused like so many other words empty and meaningless like insurance just a word it covers nothing that you think it does we might as well just use third party as long as the accident is not your fault your ok as acc will take care of medical costs ect and as useual the accident is proberly not your fault so you would be coverd under the cage drivers insurance if he has any.

Originally Posted by scracha

Deadlock or not. I can't understand why your lawyer isn't pushing them to accept your reasonable expense of a hired, leased or realistically priced temporary motorcycle.

Have I got crossed wires here or is the $1700 offered yours to keep? If so, it will cover about 17 days hire costs or interest charges on a bank loan for a temporary alternative....but what the hell can you buy these days with that sort of money? I see pushbikes going for more.

**dmouse** · 4th December 2007, 08:52

Originally Posted by fredie

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

it would not make any difference my bike is worth 50,000 im not a yuppie im 49yrs old pay top dollar for a service that i dont get, im just a ripped off consumer like all you other bikers out there and i hope not but if you have an off due to an accident thats not your fault, you try and get rental bike from your or there insurance. the problem in NZ is that STATE,NZI,NAC,IAG which are the major players in insurance here in NZ, we have no other choice my whole deal was stuffed by the assesor putting my bike in for repairs and authorising the repairs and ordering parts, there was NO discusion with me on how these parts would arrive or length of time it would take for these parts to arrive, its been nine weeks now and to be honest there is not much hope of it being ready before the new year, proberly around begging of Feb with holidays and stuff.

yes i am out of transport and i have been stuck in for nine weeks, i have a van but i cannot drive it as i suffer from chlaustophobia and i get physicaly sick and lieraly throw up.

yes you are right about scum i agree totaly with you but i have tried every option even a lawer but it would mean i have to sell my home to fund that and what hope would i have against a multinational of this size, i might as well piss the money against the wall at least id have a hangover to remember where as i pay insurance and have no bike no cover no life and no faith in them or the system. im pissed off at foodstuff as well because it was one of there employee`s that caused the problem and they could of put enormous pressure on NZI to sort this out, so to them all i can say is merry xmas sleep well.

**Finn** · 4th December 2007, 08:55

Originally Posted by fredie

lets just say . what if it was a $50,000 car owned by a yuppie i think the outcome would be different

You can buy cars that cheap?

**dmouse** · 4th December 2007, 09:06

Originally Posted by quackquack

I have a $47,000 car my policy allows for a rental car for 14 days at $45 a day good luck renting a bike for that much a 50K car is not an expensive car at all.

Hope it all goes well Dmouse, good luck for Christmas and Happy holidays for your family I'm sure this is making it unpleasent for them and all of us should remember the Families at this time of year.

thanks mate in reality a good bike at 50k is not expensive, but $1220 per year is expensive, i have no claims no points on my licence and had a class 1,6 for over 35yrs. and they kick you in the nuts and the hard part is that its not your fault and you get screwed over and treated like shit.

NZI,NAC,IAG and Foodstuff i hope that you all have a very merry xmas and please do not choke on your turkey, and i hope that santa gets you what you really deserve " A CONSIENCE"

**dmouse** · 4th December 2007, 09:57

i have written this as a xmas message for my insurance company opps im sorry there not my insirance company i dont own them they just represent me, i think here goes.

I would like to take this opportunity to wish you all a very merry Xmas, i really hope that you all, get what you deserve for XMAS i hope that the first present that you open.

is a conscience, so that you better understand that you too can make mistakes, and that these mistakes how ever minor to you are major to other people.

The second present

that you open should be truth and honesty as we the poor and lower class, we value this so much that we run our lives on it most of the time, where you only require this when it suits you, or for a get out clause to save a dollar.

Third and finally

Responsibility because unlike you we have to pay for our mistakes, and those that mistake against us, even if they have the power and the glory of insurance, at there back, Do not use this mighty insurance as a shield, for we the insurance make and break the rules as we see fit. We the mere mortals have no faith for the coming and the glory of insurance, as the dear lord will all ways make changes to our policy and the said quote will never be what you want, even though it be in writeing.This we can allways change.
and those mega companies that feed off of us mere humans, may our dollars all ways make you fat from the land of accidents.

may the Almighty dollars of these policy holders make the roads more obscure for them, and that whatever you can do to improve customer relations be done to create chaos and misunderstanding.
do not admit liability to anything, in the event that you slip and admit such liability, we will make matters harder for the third party by whatever means we can, if it be by delay and lack of information and confusion we will prevail and delay to the very end.

so by the grace of the almighty dollar and the father policy may the rewards and high premiums be good to us all at NZI,NAC,IAG

a very merry xmas to all as i know mine is allready spiolt. but dont worry im insured !!!! for what i do not know.

David O`Neill

**Pancakes** · 4th December 2007, 10:19

Could the insurance co. arrange some kind of buy back deal with a bike shop. As they're normally charged /Km it would be cheaper than renting one day by day and even though there would be substantial outlay it would be a sure thing at the end of the deal.

I'm not trying to make light of your condition but if they get you a car you could score a convertable? MX5 or something and have more air around you than any bike helemt will allow. Yeah they're gay but they go ok and will get you around in the mean time, same again, lots of dealers would sign a buy-back I'm sure.