Thanks dad

🤣

Couldn’t agree more Chopsy. Point I took away is when I am next asked about my profession, I’m going to say Solicitor!!!!!

And also claiming for my insurance money.

I can confirm that

Thank you 🙏🏻

There is no law in educating yourself, after all , you have the best intentions for yourself and you don't charge yourself anything 👍

I had this problem when I had less than a month to run on my policy and my insurer wouldn't change my bike over to my new one. I said I was going to sell the old one and they said I had to cancel and also lose that year's no claims. In the end I kept my bike for another 3 weeks until the insurance ran out on it and then sold it......more luck than judgement!!!! I hadn't a clue about this!

@@1000sofusernames any insurance company will do what ever they can to screw you out of money. An honest insurance company will waste alot of money, I suppose I should also say the underwriters of all insurance policies . There is thousands of insurance companies, but they will all use pretty much the same few insurance underwriters.

My insurance company tried to charge me an extra £15 because i asked for a physical insurance certificate (a printed a4 sheet of paper)

IT's just something to show the police from time to time. It's almost worthless.

Thats why i get the bare minimum from progressive and ride like im on ice lol

That's MCE insurance for you

Lmfao

Glad I'm not the only 1 😆

That and save the working lunch until after filming, mans got indigestion

Yeah, the saliva swallowing is not good for us headphone users 😂

Painful 🤣

Indeed, too many companies swindling you for all you've got while leaving you with the wreckage of the aftermath

Admin charges are ridiculous mate even like changing adress takes then 30 seconds and get charged £25 minimum. Some even charge you admin charges for updating it online yourself.

@@stichupman Geeze, that would NEVER happen in the states. That's absolutely criminal.

Yeah, so glad they don't charge for admin in the US

They are con artists.a foreign driver hit my misses car drunk he didnt have a licence and insurance so we ended up footing the bill all he got was a police caution and the following year the premiums went up even though we wasn't at fault the car was parked on the road.

UK is next level though, in Australia it’s nothing like this in terms of cost and complexity. You will still get left out in the cold if you are dishonest in the policy details however, which is fair enough.

"the area" meaning Great Britain presumably. That's awful mate - did you get it sorted in the end, or did the bastards never pay out??

@@harpersneil unfortunately not, every time I tried to appeal it, raise a formal complaint etc was met with the same excuse. In the end I was stuck liable for £7K to a finance company.

@@stevefaust3532 That really boils my p*ss mate; I'm so sorry. You should tell everyone you know who that insurance company is so we can all vote with out money.

@@stevefaust3532 what? That sounds VERY illegal. You cannot not pay someone for parking in "the area". Did they have a record of communicating a list of areas their insurance doesn't cover?

@@greyanaroth Good question! They would have to disclose if there were areas where their insurance isn't valid, and if they sold you a policy without taking steps to avoid that, it's them who are in breach, not the customer.

How did you get away with it

Joke isn't it, it's completely backwards and lawless. They are pure con-artists

Insurance is purely a legality.a woman smashed my bike up when it was parked and my insurance company took 5 months to get me my money and my premium went up the next year regardless of the fact it was a non fault claim and I wasn't even near the bike.i will name names as I dont give a shit they were meant to represent me and did a terrible job.i was chasing them every week.it was MCE by the way.

I wrote my Versys off and MCE paid up, quickly and more than I expected.

@@adrianjturner They are as bad as all the rest google Paul Duffy MCE

There is many ways around it. But you need to educate yourself in many ways and understand the exact wording of law and legislation and then know the difference in them. Its not for everyone but can be done legally. But you are at higher risk as your personally responsible for everything. I have 11 vehicles, none of which carry dvla registration plates, dvla do not hold any certificates of manufacture for my items and I accept full liability for them as they are not property of the crown or dvla. When you buy a new vehicle it has a certificate of manufacture which holds all vehicle details. If you pay for it out rite fully with no financial backing at all. Not even a bank loan then you own that vehicle, if you apply for a v5 you are then giving ownership of title to another party, you are then subject to any and all rules and regulations they declare. Failure to comply results in penalties, no longer called " fines " but thats another topic... All my vehicles are fully insured and the underwriters know the details. Sadly police don't understand this is legal when carrying my own personal registration plates, and this is where you need extremely good legal understandings. They will seize your vehicle and arrest you etc, but when court date comes you place all your evidence and situation to the magistrates remembering to ask them to uphold the law equally. You calming explain how you do what you do and that there is no laws to say you must comply with dvla, you provide insurance to show your covered for a financial loss. If you lack any legal understandings dont do it, until you do understand everything involved. When your given your property back, you then file civil claims upon each officer involved and the police service they belong to for theft, kidnapping false arrest etc etc. Claim for loss of use damage etc and of course a small legal fee for your troubles. That goes to court and you show the case you won that ment police were wrong for what they did, you get compensation. That force and police officer will likely not bother you again if your sensible as they pay from their own wages for your claim. It also applies that ignorance of the law is no excuse to a police officer if he does not know it, rather he should know more than you do as its his job 👍

Ahaha 🤣

LOL. Poor guy

Was about to comment this! 🤣

Painful isn’t it.

I was surprised this was not the case. Probably another way to extort a few extra quid.

Of course they will. They insured you, originally, on the basis of the original spec you gave them. You make changes to the bike and that means their original agreement with you is no longer applicable, hence they'll charge you a new price based on your mods. I don't understand why that is so hard to understand, it's not rocket science

@@westers1514 it's never a reasonable price increase in my experience. When you come to make a claim they only pay for the original bike and not the accessories, yet they charge you for for it.

@@andy_xtr3861 Agreed, which is why it pays to shop around; insurers enter and leave the market depending on what their business strategy is. Sometimes they want bikes, and the price is competitive, other times they want to get out of the sector and so put the price up. Renewal time they play the numbers game - some people still renew without shopping around. As for what they pay: it's based on what they think the value of your bike and accessories are at the time of claim. They factor in depreciation, which is fair. It's not reasonable to expect them to pay you the original cost of everything if you'd had a few years use out of it (or more.)

You may also remember to notify a change in tyres of it deviated from OEM....

@@westers1514 bike has more miles, the depreciation is more.

The prices look too good to be true, the garage term is shocking, you can't even park "in the vicinity" of your own garage or its a chunk of cash off the settlement, which is why I chose Karen bash instead

@@chubbybrown4real where do you park then?

@@0xsergy in garage straight away if insured with them,but I'm not

I was with mce for my first couple years cause of how cheap. My bike got nicked and I made the claim about a year ago. Still awaiting payment.

Same. Just say anything to get the lowest quote! Ha!

@@Norton1531 Surely that's about half of us at least. "A shed is like a garage - it's locked!"

you probably saved more than the bike is worth so its worth it

It's common sense.

That's not what he said at all. He advised us bike owners to be truthful. If you then have a problem with an insurer refusing a claim then you can complain to the Insurance Ombudsman.

Well morally yea that would be true. But their point is and always has been, to earn money off of you. It has always been a lucrative business, praying on other people's potential for misfortune. They are not there to help you, they are there to take advantage of you as much as they can, and then pay up the few times where they legally have to (and somethimes not even then if they can trick you into believing you're liable despite the law being on your side).

I was looking through the comments to see if anyone mentioned them and the only coment on it was yours lol. Speaks volumes. I had a very bad experience with them and will never use them again and know many people that havent got a good thing to say about them.

Same here, shocking what they can get away with.

@@philthompson4174 mines gone up by £60... bet if I tell them no thanks it’ll magically come down. “You’re all set to auto-renew... you don’t have to do anything!” 😂😂

@@turnipboyon2520 Yeah exactly! This is my second year riding so a decent drop as expected. Bought an Arrow exhaust for it recently...

@@philthompson4174 good man, it’ll be the 2nd of many years I’m sure! And you’ve found 44T so you’re well away my man! What bike you got? Arrow is a great shout, ask Perkins, he’s got a sexy arrow on his RF I think! The big question is.. did you declare it on your insurance haha!

@@turnipboyon2520 haha I’m yet to fit it, so I’m in that position of deciding now, only ordered it the other day 😁. Went for an MT07, the exhaust is to put off exchanging it for something else before I’ve had a good summer on it.

What makes you say that?

Yeah I’m curious about the garage one myself.

Yes. Awful experience with them. There's a reason they always come out cheapest.

MCE have a shocking reputation, they're nearly always the cheapest option and I still wouldn't use them.

I honestly think I'd only insure with BeMoto, Carole Nash or Bennetts now.

Yup. Pretty basic stuff. Insurance contracts are based on uberrimae fidei or utmost good faith. As you say, you tell the truth.

they will say you did not declare it and cancel the policy. I have rarely see any other repercussions apart from maybe a fine is you annoy a cop.

Well, they've got that last one. Motor Insurance is a *LEGAL REQUIREMENT.*

@@timmason7430 a lot (not all) of insurance companies are like politicians, lies, evasion and shady tactics

Could equally apply to dodgy riders/drivers who don't tell the truth .......... who then get upset when a claim is denied.

@@alexmorgan3435 Very true, there are lots of idiots about for sure but I was referring to the unscrupulous big insurance company mentioned that "loses" your paperwork & denies it existed in order to avoid paying out.

Who doesn't keep LEGAL paperwork whenever they enter into a contract?

Agreed. I do the same. The difference for not having a lock was only about £5, I think.Very little anyway. Likewise with a pillion - about £5 difference.