Protecta Insurance - Claim problems

[Matt_TG]

The insurance of course picks that up and states that there was one of yellow those 55km/h signs just before the corner and with that willful and reckless driving caused the accident...

I'd challenge that decision. Two thoughts:

* I'm sure (but stand to be corrected) that the yellow speed signs ending in "5" are advisory signs - for heavy vehicles.

* Were you charged and convicted of willful and reckless driving? If not how can they prove that was the case.

It's been long time mate but I would keep on at it.

[NordieBoy]

* I'm sure (but stand to be corrected) that the yellow speed signs ending in "5" are advisory signs - for heavy vehicles.

For vehicles.

[schnupfy]

Thanks guys. Am just drafting a letter. Will see if that gets somewhere.

[TimeOut]

I'd challenge that decision. Two thoughts:

* I'm sure (but stand to be corrected) that the yellow speed signs ending in "5" are advisory signs - for heavy vehicles.

* Were you charged and convicted of willful and reckless driving? If not how can they prove that was the case.

It's been long time mate but I would keep on at it.

I second all of that.

The advisory signs are for all vechicles but they are advisory

[danman752]

Hi All.

Ive just had a claim rejected from Protects also and was goggling to see if any one else has.
Looks like they are good a buls**ting their way out of paying.

My claim was on my 4wd that I had mechanical breakdown cover on. The cam belt snapped within its service period and their reason for reject was that they cam belt had not been checked within the last 40,000kms.
Considering I have on had the vehicle for about 20,000kms.....shouldn't it have been checked when I brought it.....

The car dealer agrees that their out is not good enough so is going to help.

I will be taking this as far as I can to get it resolved.

Protecta Insurance = SCAM!!!!


Cheers Dan.

[skippa1]

My total loss was paid by Protecta, though the first thing they asked for from the bike shop was photos of both tyres, the warrant and rego. It still took some time to pay but they did. $14k. I am insured with them now, though only because of the lack of choice.

[Jerry74]

Check out Golightly Insurance, underwrites with Vero.

Dave Golightly 0800 800786 or 03 3572428, awesome package and he specialises in bikes.

If you do want an insurance agent that actually looks after biker rider then Dave Golightly is well worth a look.

[motorbyclist]

Check out Golightly Insurance, underwrites with Vero.

Dave Golightly 0800 800786 or 03 3572428, awesome package and he specialises in bikes.

If you do want an insurance agent that actually looks after biker rider then Dave Golightly is well worth a look.

+1

I've been with him for years now and nothing but good experiences.

Friendly guy, happy to explain things and gave me some good advice

[actungbaby]

My total loss was paid by Protecta, though the first thing they asked for from the bike shop was photos of both tyres, the warrant and rego. It still took some time to pay but they did. $14k. I am insured with them now, though only because of the lack of choice.

yes people have told me that without wof your got no isurance what is the true story though is if insurance company
can work if the accident was cuased by unsafe vechile yours then they can refuse payout. if the warrent is expired

In my case a car pulled out in front me and my bike was total loss but either bike shop covered me or as it wasint
Anything i did and they got money from his company it was sweet.

I must forgot to get done in time was 30 years ago though so yeah.

Think above is bit rough as how do you know your cam belt going snap on my mazda mx5 its 80.00 km before belt has to be changed and dealer did it , i whould assumed the dealer responsablty to make sure car was fit so no wonder saying going help you in my mind they just as much in the gun.if took your money and not changed the belt themselves or least got it checked , the auckland dealership changed both the water pump and my cam belt b4 i brought the car and told me about it , because the car was at 82 thousand
and what work been done on it, mind you clutch was shoot and didnt tell me that , but thats part that wears and not covered like brake pads etc

I take this up with Lmvd or what its called these days as you say your only done 20 thousand kms so either dealer should told you needed to be done in another 20 kms and then the insurance should paid for it then

Oh its mta isint it , also just say to them in person you dont think this is fair and ask to speak to a manager put it in writing
then say you want be reasonable but your take it further if you cant come to a agrement .

Mention free legal advice can be had from citizens advice usually have alwer aviaible certin nights of the week

A well written fax also get somone write for you i had this when in 90s had fault with computer comm0odore amiga , the company commodore
where draging the chain talking about repair , its was simple hard drive fix, but i didnt want the hassle , so my friend faxed the retailer insteed
adressed to the manager , well within 30 mins i had phone call from commodore saying replacement pc was on its way and to send old unit
back full replacment no repair as unit was broken on arrival ,

in your case the car firm should be dealing with this as not your resposibilty your the 3rd party insurance was brokered through the dealer
to sell you the vechile they get cut of the price you paid also and fee for hp also

honesty i go right to your dealer be poilte and say hay am your customer please look after me

[actungbaby]

[QUOTE=danman752;1130237922]Hi All.

Ive just had a claim rejected from Protects also and was goggling to see if any one else has.
Looks like they are good a buls**ting their way out of paying.

My claim was on my 4wd that I had mechanical breakdown cover on. The cam belt snapped within its service period and their reason for reject was that they cam belt had not been checked within the last 40,000kms.
Considering I have on had the vehicle for about 20,000kms.....shouldn't it have been checked when I brought it.....

The car dealer agrees that their out is not good enough so is going to help.

I will be taking this as far as I can to get it resolved.

Protecta Insurance = SCAM!!!!
read my answer dan
dont just roll let them screw u will if they can

[cowboyz]

I have a few issues with how insurance works.

1. Its a two way street. If I buy a bike for $1000 and consider that particular bike the best bike in the world and ask an insurance company to insure it for $100,000 and they AGREE and set the preimums accordingly.. and I crash it.. They should pay $100,000 Thats what they agreed to. This whole market value thing is a crock of shit. When I brought the 9 I rung the insurance company and asked them how much they thought it was worth. They asked what I paid for it. I said that was immaterial. I wanted to know how much they thought it was worth. They said they are not in the business of valuing bikes, which is extremely odd to me being as they seem to be quite keen to work out the PAV (isnt that PRE accident valuation) after the bike has been crashed. Wouldnt this be easier to do when the bike is in the PRE stage?

2. Warrents. What is the point in a warrent? Its a pointless waste of time. Not having a warrent has no bearing on insurance, and having a warrent has no bearing on insurance.

More specifically to case at hand.. If you werent CONVICTED of dangerous driving.. YOU WERENT! End of story!

[Owl]

Know where you're coming from cowboyz, but I have more of an issue with the local tow truck driver doing PAV's for the insurance companies. And yes, he's still doing them.

[haydes55]

Had a crash xmas day, was still on my paper licence so took a few days before I got my licence to send the paperwork away early January. Protecta have my claim, told me my excess (even though the 3rd party is paying my excess because he's blind) and are waiting for an assessment from the dealer. the dealer has had the bike since before new years, at least 3 weeks, and hasn't managed to figure out how much it will cost to fix yet =/ so I'm spending summer with no bike because I've already rung up 3 times to try get them to hurry it up and do their job and still nothing. I'm sure an assessment wouldn't take more than 45 minutes to see all that's broken, then look online at your spare parts database and tally all the cost up to fix it. Or tell me if the forks/frame is bent, write it off and give me money to buy another bike.

[Protecta]

In response to Dan’s post above, we’re sorry to hear that he was dissatisfied with the outcome of his claim.

While we understand that readers will be aware we are unable (for Privacy and Legal reasons) to discuss details of a policy or a claim in the public arena, we wrote to Dan last week explaining the details of his claim and his further options.

Please be assured that PROTECTA Insurance always use independent industry approved loss adjusters, assessors and investigators. For those seeking more information, Insurance companies commonly use two independent External Complaints Resolution providers: “Financial Services Complaints Limited” and the “Insurance and Savings Ombudsman”. Decisions made by either provider are binding, and Protecta Insurance will always honour their decisions.

Regarding cambelts in particular, Automotive research company “The Car Connection” has a really helpful article for consumers about cambelt (timing-belt) replacement, on their website here:

http://www.thecarconnection.com/news...ur-timing-belt

Cambelt inspection and replacement is a critical element of PROTECTA Insurance’s minimum service requirements for our Mechanical Insurance policies, and we always advocate that - if there is any doubt - consumers should replace their cam belt to avoid the hassle of preventable breakdowns.

Marcus, in response to your original issue, if you still have any concerns regarding your claim, please don’t hesitate to contact us to discuss it.

We always encourage feedback from our clients, both positive and negative, as this helps us to strive for continual improvement in our policies and systems. If you have a story to share, please feel free to post it up here on KiwiBiker, or contact us on 0800 4357 868.

Kind regards,

James Wood,
National Claims Manager,
PROTECTA Insurance New Zealand Limited.

[MSTRS:Me]

... Not having a warrent has no bearing on insurance, and having a warrent has no bearing on insurance...

It does, insofaras the vehicle must be in WOF-able condition whether it has one or not. Any defect that would cause it to fail a WOF is grounds for the insurer to decline a claim EVEN IF IT PLAYED NO PART IN THE CRASH