Thoughts?

[cowboyz]

I TOLD THEM! HAHAHHAHAHHAHAH.. Talk about screwing yourself over... Doesnt matter anyhow.. cause from my point of view... if I crash the bike while riding it without a licence and claim then claim would be refused under full cover because it is a condition of that cover that I have a licence and I am not meeting those conditions... Simple huh? No.. lets change the whole policy to 3rd party and now I got to change it back when I get my licence back.

[Genie]

does this also affect your car insurance? wow...and how did they find out? Do the courts send to info on to all gardeners???

[HenryDorsetCase]

there is no way i would commit public suicide by downing the godly insurance companies who many hold in such high reguard. Esp after my comments on the changing excess's for trackdays but in a nutshell.. My insurance has been dropped to 3rd party by the insurance company because I lost my licence. My broker doesnt know anything about it. If I hadnt been talking to my insurance co directly I wouldnt have known about it either. They suggested it when I lost my licence but I said no.. I want full cover beacuse what if someone else takes my bike out? My monthly payments havent changed. So paying for full cover and getting 3rd party instead.

Wrong? No.. Insurance companies can do what they want


(I never said anything against the insurance companies.. any reference to any insurance company or even the thought of reference to an insurance company is purely coincidental and we are talking about garderners)

if you think you're getting reamed now, wait till its time to formally renew the "gardener"s contract. since your risk profile has increased due to your loss of licence in the preceding period of contract, your likelihood of claim has increased, so the premium will go through the roof.

What the gardener wants is for you to tell them to GF, and you become someone else's problem. in the meanwhile they've had your money. For a long time, I only ever had third party on my bikes anyway. though the trumpy is fully covered. In case of "gardening incidents"

[HenryDorsetCase]

I TOLD THEM! HAHAHHAHAHHAHAH.. Talk about screwing yourself over... Doesnt matter anyhow.. cause from my point of view... if I crash the bike while riding it without a licence and claim then claim would be refused under full cover because it is a condition of that cover that I have a licence and I am not meeting those conditions... Simple huh? No.. lets change the whole policy to 3rd party and now I got to change it back when I get my licence back.

that does seem strange, but whatever: which firm is it? Mr Green, Jims, Hire a Hubby?

[cowboyz]

if you think you're getting reamed now, wait till its time to formally renew the "gardener"s contract. since your risk profile has increased due to your loss of licence in the preceding period of contract, your likelihood of claim has increased, so the premium will go through the roof.
yes.. that has crossed my mind. Even though I have not cost them anything! Same when they kept asking Qs on my demerit points every year. Like what imprtance does that have over my claims? Surely the fact that I have had zero at fault claims in 20 years would be more important.
What the gardener wants is for you to tell them to GF, and you become someone else's problem. in the meanwhile they've had your money. For a long time, I only ever had third party on my bikes anyway. though the trumpy is fully covered. In case of "gardening incidents"

Serioulsy thinking about scrapping the whole idea really. gardeners piss me off.

[cowboyz]

does this also affect your car insurance? wow...and how did they find out? Do the courts send to info on to all gardeners???

car insurance dont care. They will deal with any claims on a case by case basis as they come to hand.

[zahria]

My understanding is... once your license has been lost forwhatever reason, it is hard to get "gardeners" to work for you.
The goal posts have shifted now, and you will notice the difference.

[Genie]

Yes these damn gardeners are getting rather pedantic. Had some theivery in the garden recently and they have since put up their outlay charge as I did not protect my property to their satisfaction. It's a tight market out there, I'd say if you find a decent gardener they might need some muffins for morning tea.

[R-Soul]

Yeeeaaah your analogy was not the FULL truth at the start. What you neglected to mention is that since you started teh contract with eth gardener, you have spread big pebbles around your garden, whih cmeans teh agrdenr has a higher chance of fucking his equipment up on your lawn, with potential big payouts. And he will probably tell the other gardeners about it. The thing si that you need to look at eth inital contract. Was it only covering you and you alone on the bike, or just the bike? i.e. would they have paid out if somebody else crashed it?

If it was the bike alone, they probably are trying to surreptitiously cancel the current contract because they would have to keep it going with the same premiums but increased risk. If they suggest the 3rd party only contract and you agree, then by tacit consent the contract is ended. Then when you get your license again, they can make you start a new contract with increased premiums. How much of your contract was left?

They would not pay out if you crashed it without a license anyway, even if the contract was still in force, since that is probably one of the explicit contactual terms - fit for riding.

[Genie]

gald i oot am a sokcing tpyer so nkwo whatt uyo meatn

[cowboyz]

Yeeeaaah your analogy was not the FULL truth at the start. What you neglected to mention is that since you started teh contract with eth gardener, you have spread big pebbles around your garden, whih cmeans teh agrdenr has a higher chance of fucking his equipment up on your lawn, with potential big payouts. And he will probably tell the other gardeners about it. The thing si that you need to look at eth inital contract. Was it only covering you and you alone on the bike, or just the bike? i.e. would they have paid out if somebody else crashed it?

If it was the bike alone, they probably are trying to surreptitiously cancel the current contract because they would have to keep it going with the same premiums but increased risk. If they suggest the 3rd party only contract and you agree, then by tacit consent the contract is ended. Then when you get your license again, they can make you start a new contract with increased premiums. How much of your contract was left?

They would not pay out if you crashed it without a license anyway, even if the contract was still in force, since that is probably one of the explicit contactual terms - fit for riding.

first and formost..... explain to me how me losing my licence is an increased risk to them?

[The Pastor]

well it proves that you are a total badass

[nodrog:Me]

mow your own lawns you lazy cunt

[Owl]

Yep, find a new gardner! I just happen to live with a "gardening broker" if that's any help.

Oh and apparently the gardner also has to give you 14 days notice in writing for any change to the contract.

[Mully]

Get a new gardener for 3rd party, fire and theft only (unless you owe finance on your, umm, garden)

Chuck the rest of the gardening money (for the lawns) into another account in case the worst happens.

Sort of "self-gardening" - at least self-gardening your own loss (to the lawn). Probably cheaper to you in the long run anyway.