Bennetts V Criminal Conviction

[geordieguy]

<!--quoteo(post=180453:date=Fri 8th Oct 2010, 04:00 PM:name=Daveb)-->QUOTE(Daveb @ Fri 8th Oct 2010, 04:00 PM) <{POST_SNAPBACK}><!--quotec-->Contact Watchdog, explain in details what's happened see if Anne Robinson can help.<!--QuoteEnd--><!--QuoteEEnd-->

Fookin hell ! Anne Robinson and Catsbum in the same room.

Now I would like to see that .........

On second thoughts , I wouldn't. [img]style_emoticons/<#EMO_DIR#>/punishment.gif[/img]

[TKH]

we've never met but I feel for you. That scum bag screws you again and again!.

[catsbum]

<!--quoteo(post=180451:date=Fri 8th Oct 2010, 03:54 PM:name=celticbiker)-->QUOTE(celticbiker @ Fri 8th Oct 2010, 03:54 PM) <{POST_SNAPBACK}><!--quotec-->Have you considered going through, for example, confused.com <!--coloro:#FF0000--><!--/coloro-->and no mentioning the conviction<!--colorc-->
<!--/colorc-->? Lets say a friend of mine did this with a speeding conviction, they never even ask to see your licence, pay on-line and sign and return the paperwork when it arrives. Also he forgot to mention that he covers 30000 miles per year and saved £50 on the premium.
<!--coloro:#FF0000--><!--/coloro-->I know it's bending the rules but<!--colorc-->
<!--/colorc-->....
If anything comes of it, you could always say it was so long ago that you forgot all about it.
Don't give up Cats, we'll find a solution.<!--QuoteEnd--><!--QuoteEEnd-->


And there lies the problem. I had a big fuck off truck, loads of money, and when i insured it, told the lad about my conviction.No worries he said. 4 months later i have a woman pull on me and I end up in hospital. her fault and she told the police that too. 2 weeks later and the insurance tell me my insurance is void as i did not declare my conviction......

After 12 months including trying to get them to disclose the tape of me telling them about the conviction (they lost it) and going to County Court which I won, I was mentally beaten.

I will not tell lies, that would be easy but would defo come back and chew my arse

[baron]

Bum deal cats but stick to your principals and don't give up. There's always a solution there somewhere, just takes a bit of finding sometimes. You've got a fine white steed requiring your attention. Don't give up.

[Matlock]

Sounds like you're getting a bad deal here Cats, through no fault of your own. My own opinion of insurance companies is that they're less trustworthy than Robert Maxwell, the banking community and Beelzebub himself - all rolled into one! You are dead right to be honest with them. As you know to your cost they will screw you if they can, rather than pay out a claim. They are also using a common database to share derogatory comments about their customers amongst themselves. So if you fail to declare this sorry history they will know about it, although that won't stop some of them offering you cover and then only raising the problems when you make a claim. You may find a Freedom of Information request to your current insurers most enlightening, they should send you any notes they have on you both on their own systems and the stuff on the shared databases. Have you also considered contacting the Financial Ombudsman about the treatment you have received?
Hope this sorts itself out soon matey and you're back on the road again [img]style_emoticons/<#EMO_DIR#>/good.gif[/img] .

[Guest]

I wonder if they will refund the 4 years premiums you've paid, on the grounds that if you <i>had</i> claimed, they would have refused to pay out because of your criminal tendencies. I think I'd ask. Cos if they say, "Oh we would have paid out, no problem" then it's hard to see what's changed, and they haven't got any reason to decline insuring you this year.
Dunno if that makes any sense, I'm still reeling from the revelation that Mr Bum is a convicted crim [img]style_emoticons/<#EMO_DIR#>/blink.gif[/img]

mind you, when I bought that tee shirt off him, it was an offer I couldn't refuse....

[Lagotete]

<!--quoteo(post=180542:date=Sat 9th Oct 2010, 12:43 PM:name=Negwedar)-->QUOTE(Negwedar @ Sat 9th Oct 2010, 12:43 PM) <{POST_SNAPBACK}><!--quotec--><!--coloro:#FF0000--><!--/coloro-->I wonder if they will refund the 4 years premiums you've paid, <!--colorc-->
<!--/colorc-->on the grounds that if you <i>had</i> claimed, they would have refused to pay out because of your criminal tendencies. I think I'd ask. Cos if they say, "Oh we would have paid out, no problem" then it's hard to see what's changed, and they haven't got any reason to decline insuring you this year.
Dunno if that makes any sense, I'm still reeling from the revelation that Mr Bum is a convicted crim [img]style_emoticons/<#EMO_DIR#>/blink.gif[/img]

mind you, when I bought that tee shirt off him, it was an offer I couldn't refuse....<!--QuoteEnd--><!--QuoteEEnd-->
Unfortunately they have a their own little tricks to never refund any money. When I came to the UK and building insurer asked me for the value of my house. I didn't understand that they wanted to assess the cost to rebuild the house (not the market value). As a result, for two years I paid 50% more than I should have. They showed me a clause allowing them to adjust the premium only from the day I called them to notify the change!

Martin, on reflection, the link convinction / insurance appears unfair but perhaps you can see the bright side and the fact that you got away with it for 4 years. £430 additional over a year means less than £90 per year average over 5 years! [img]style_emoticons/<#EMO_DIR#>/rolleyes.gif[/img] Don't let this get in the way of your natural good humour.

[TDMick]

F [img]style_emoticons/<#EMO_DIR#>/excl.gif[/img] ck me mate!

Who were you in a previous life Attila the Hun!! [img]style_emoticons/<#EMO_DIR#>/rotflmmfao.gif[/img]

If I come across anything I'll let you know.

Mick

This post was last modified: 09-10-2010, 06:25 PM by TDMick.

[pharland]

Bloody hell mate, really sorry to hear this

I have nothing useful to add and can offer no help I'm afraid. The only thing I can say is that I am glad it isn't me!!

'Things' can be bad enough sometimes as it is, without being crapped on like this.....

[jdelfino]

Move to southern Spain, no problem with insurance "history", (I can certify that! [img]style_emoticons/<#EMO_DIR#>/rotflmmfao.gif[/img] ), cheap wine and a lot better weather for biking anyway... [img]style_emoticons/<#EMO_DIR#>/laugh.gif[/img]

[catsbum]

Idle, lesson learnt. anything even a little bit wrong I call the police, i am never going to be cornered again

And Spain. Well, you closer than you think my friend. If I do have to wait another 12 months then I'm seriously thinking about getting in the motorhome and going to Tossa-De-Mar to live with my other best mate Richard.
Only my Daughter stands in the way.

That's how fed up I am


(and when did this start checking spelling when I type?) [img]style_emoticons/<#EMO_DIR#>/rolleyes.gif[/img]

[jdelfino]

<!--quoteo(post=180638:date=Sun 10th Oct 2010, 01:05 PM:name=CatsBum)-->QUOTE(CatsBum @ Sun 10th Oct 2010, 01:05 PM) <{POST_SNAPBACK}><!--quotec-->Only my Daughter stands in the way.<!--QuoteEnd--><!--QuoteEEnd-->

Once you move to a place with nice weather... you'll be surprised how often your daughter comes to visit you... thrust me! [img]style_emoticons/<#EMO_DIR#>/dry.gif[/img]

[catsbum]

<!--quoteo(post=180647:date=Sun 10th Oct 2010, 01:42 PM:name=jdelfino)-->QUOTE(jdelfino @ Sun 10th Oct 2010, 01:42 PM) <{POST_SNAPBACK}><!--quotec-->Once you move to a place with nice weather... you'll be surprised how often your daughter comes to visit you... thrust me! [img]style_emoticons/<#EMO_DIR#>/dry.gif[/img]<!--QuoteEnd--><!--QuoteEEnd-->


Thrust you? ok, prepare to be boarded!! [img]style_emoticons/<#EMO_DIR#>/giveusahug.gif[/img]

[catsbum]

Explain what Third Party Only means please.

[Lagotete]

<!--quoteo(post=180837:date=Mon 11th Oct 2010, 11:34 PM:name=CatsBum)-->QUOTE(CatsBum @ Mon 11th Oct 2010, 11:34 PM) <{POST_SNAPBACK}><!--quotec-->Explain what Third Party Only means please.<!--QuoteEnd--><!--QuoteEEnd-->
Means you are OK on the condition that either your bike has no value or you never have an accident or your bike stollen ...in which case it means that all you have left are your eyes to cry! [img]style_emoticons/<#EMO_DIR#>/rolleyes.gif[/img]

PS: is third party an "acceptable" price for you now?

[TonyDevil]

cats says he's got it sorted [img]style_emoticons/<#EMO_DIR#>/cool.gif[/img]
3PF&T, including all the extras (legal, personal accident, euro breakdown, £1k helmet&leathers etc) for £270ish
think he said it was Adrian Flux(?schpeelin?)

[TDMTAM]

<!--quoteo(post=180871:date=Tue 12th Oct 2010, 11:24 AM:name=TonyDevil)-->QUOTE(TonyDevil @ Tue 12th Oct 2010, 11:24 AM) <{POST_SNAPBACK}><!--quotec-->cats says he's got it sorted [img]style_emoticons/<#EMO_DIR#>/cool.gif[/img]
3PF&T, including all the extras (legal, personal accident, euro breakdown, £1k helmet&leathers etc) for £270ish
think he said it was Adrian Flux(?schpeelin?)<!--QuoteEnd--><!--QuoteEEnd-->
Good, would hate to have seen him having to give up that lovely White TDM900 of his.
TAM

[pharland]

Hmmmm. I go TPF&T, but mines an old bike..... Would be a tough decision to have to swallow that on 'the' whine 9er

Gald you're sorted tho'...

[catsbum]

Tony's deaf

Got it for £210 including Legal and clothing, and that would be less than Bennetts

They put me through shit. Half way writing a letter to the top man. Not letting this go.

Adrian Flux, Listened to me told my story, went away came back and said the risk was OK.

Thank you

Ride Whitey for the first time tomorrow, see how she likes M4 traffic

Thanks for all the kind comments

[geordieguy]

Result [img]style_emoticons/<#EMO_DIR#>/good.gif[/img]