Small print!

[Phmode]

I should have put this in 'The Things Bikers Hate' board but I didn't read the forum small print 

When I bought the K12S I added it to my R1150GS BMW Insurance policy. This cost me the princely sum of £5 extra on the annual premium 

When I eventually sold the GS, I took it off the policy and the premium promptly went down by £5 

When I bought the K13S I added it to the K12S policy and the premium virtually doubled for the 6'ish months remaining on the policy

Having now sold the K12S I suddenly realised it was still on the policy so I just called the 'help' line run by Devitt. I dunno if they think we are all eshtry boys but the tone is not what I expect 

Having finally got to 'a agent' who can 'do' multi-bike policies (?) it came as more than a small shock to discover that the current insurer, Equity Red Star, does not re-imburse the part of the uplift cost attributed to having two bikes on the policy 

I can't remember if the previous policy was with Allianz or their predecessor but since ERS took over things have got worse. Although the predecessor insurer charged £5 for any change to the policy, they didn't double the premium for adding a second bike and did refund the difference when one bike was removed 

Of course, I am sure that all of this is buried somewhere in the small print of the policy but although I do read user manuals and workshop manuals even I draw the line at insurance policy terms and conditions 

Brian (who says serves him right for being a pillock but he will have his revenge come renewal time  )

[Perbunan]

When I swapped my R1 for a Z1000 I was insured through the AA, I was expecting an admin charge to change over but they wanted £300 to cover the remaining 3 weeks on the policy before it expired! Or £100 to cancel the policy and loose 1 yrs no claims.....not wanting to not ride my new bike for 3 weeks I choose the later and told em where to go, I went back to C Nash and paid less than the £300 for 12mths, somebody's takin the pee somewhere!

[drumwrecker]

As I understand it we buy insurance from brokers who buy a lump of risk from insurers and package it as they wish with additional fees for administration costs like £35+ for cancelling cover on a bike.
I don't think it really matters what company is involved unless there is special underwriting requirements.
Other than LV (the old Liverpool Victoria) I don't think you can buy direct from an insurance company like we did in the past.

[TomL]

Is Norwich Union not about nowadays?

[Phmode]

AVIVA mate!

[Phmode]

As I understand it we buy insurance from brokers who buy a lump of risk from insurers and package it as they wish with additional fees for administration costs like £35+ for cancelling cover on a bike.
I don't think it really matters what company is involved unless there is special underwriting requirements.
Other than LV (the old Liverpool Victoria) I don't think you can buy direct from an insurance company like we did in the past.

My car, home and contents are insured with LV on  a CSMA (Civil Service Motoring Association) scheme (a 'members' scheme much like BMW) but they don't do bikes, or rather didn't when I last looked.

[drumwrecker]

AVIVA mate!

Can you insure with them without an intermediary?

[Phmode]

Dunno! Haven't insured with NU (as was) for donkeys years

[black-k1]

AVIVA mate!

Can you insure with them without an intermediary?

Yes, but that doesn't mean you get rid of all the small print, extra charges etc. issues.

[Niall]

Hey Brian

you do know that Equity Red Star own Devitts...

[Twisty]

...and LV (Liverpool Victoria) own Carole Nash!

[Phmode]

No! But I do now 

[drumwrecker]

...and LV (Liverpool Victoria) own Carole Nash!

Groupama the French company owns CN.
From Wikipedia
In 2004, the company acquired the motorcycle insurance arm of The Automobile Association, helping it to increase its customer portfolio to 230,000 policyholders.[2]
In December 2006, the business was sold by its founder to French insurance group Groupama for an undisclosed sum.[3] Following the sale, David Newman was appointed as Chief Executive Officer in September 2007.[4]

[raesewell]

I wouldn't take Wikipedia as being gospel, but a companies house search I would.

[Phmode]

CAROLE NASH LEGAL SERVICES LLP (OC380071)

Company status
Active
Correspondence address
110 Manchester Road, Altrincham, Cheshire, WA14 1NU
Role ACTIVE
LLP Designated Member
Appointed on
24 April 2013
Registered in an European Economic Area What's this?

Register location
ENGLAND & WALES
Registration number
2600841

...and...

DICKEN, Philip

Correspondence address
Helmont House, Churchill Way, Cardiff, CF10 2HE
Role ACTIVE
LLP Designated Member
Date of birth
July 1968
Appointed on
5 October 2016
Country of residence
Wales
CAROLE NASH INSURANCE CONSULTANTS LIMITED

Correspondence address
110 Manchester Road, Altrincham, Cheshire, WA14 1NU
Role ACTIVE
LLP Designated Member
Appointed on
24 April 2013
Registered in a European Economic Area What's this?

Placed registered
ENGLAND & WALES
Registration number
2600841
NEWLAW LEGAL LIMITED

Correspondence address
Helmont House, Churchill Way, Cardiff, CF10 2HE
Role ACTIVE
LLP Designated Member
Appointed on
9 November 2012
Registered in a European Economic Area What's this?

Placed registered
ENGLAND & WALES
Registration number
07200038
MOLYNEUX, Helen Clare

Correspondence address
Helmont House, Churchill Way, Cardiff, CF10 2HE
Role RESIGNED
LLP Designated Member
Date of birth
March 1965
Appointed on
9 November 2012
Resigned on
5 October 2016
Country of residence
Wales
 
...and...

it goes on and on and on, as always!

Actually, I think I would believe Wikipedia