Page 2 of 3
Re: ANOTHER little insurance misnomer..
Posted: 04 Jul 2011, 20:52
by Jon.M
DaveB wrote:
As for our insurance, the RAC man changed it immediately and without cost though I'm still quite angry it could have happened in the first place! My bike insurance is another odd one. I've been with the same company (not the RAC) for 10 years and originally had the Kwak ZX9R insured. I then bought the Triumph Daytona 955i and added that to the policy. I changed it last Tue for a Triumph 675 Daytona and they've asked for a copy of my driving licence, proof of no claims and proof of alarm fitment. The alarm fitment I can live with but why all of a sudden do they want my driving licence and proof of NCB? All I've done is take one bike off and put another bike on!

It makes my head itch!!
ATB
DaveB

If you've been with the same insurance
company for ten years they ought to know if you've claimed off them during that time.
Condolences on the loss of your father.
Jon
(ex insurance clerk. Passed the Chartered Insurance Institute "Motor Vehicle Insurance" exam many years ago)
But don't tell anyone, I try to keep it quiet.

Re: ANOTHER little insurance misnomer..
Posted: 04 Jul 2011, 21:40
by simondix
My condolences to you and your family.
On the insurance side I presume all those years they had been taking your premium but did not bother to tell you that you were not insured?
Re: ANOTHER little insurance misnomer..
Posted: 04 Jul 2011, 22:19
by DaveB
Thanks for your wishes guys
Simon.. it's impossible to tell at which point we actually became uninsured but for certain, it was at a renewal. The way the RAC do things is you send all your details at the first instance and from that moment on, you receive a reminder each subsequent year with the new premium. If you details have remained the same and you wish to continue, you do nothing (except pay) and the cover continues. The point seems to be that with someone like the RAC doing the searching for you, some of this detail gets lost. I'm 'guessing' that they receive a renewal quote from the underwriter and either pass this on to you on
their stationery or find a better quote and do the same with that. Detail seems to be getting lost due to the automated nature of the business and it's difficult for both us as the end user and organisations like the RAC as the broker to know when such detail has gone to the detriment of the policy. That said, NO detail should go missing as far as I'm concerned but it apparently does. When the RAC man said 'it's because we don't talk to you anymore', I'd hazard a guess that this is a problem they've come across on many occasions and will continue to come across until someone does something about it.. if indeed they can
Still.. all's well that ends well and my current underwriter knows that I'm not odd and have a house called The Bull but it is in fact a pub and I'm a licensee
ATB
DaveB

Re: ANOTHER little insurance misnomer..
Posted: 05 Jul 2011, 07:02
by Filonian
Sincerest condolences, Dave.
As you say, though you know it's coming, it's still a shock when it happens.
Graham
Re: ANOTHER little insurance misnomer..
Posted: 05 Jul 2011, 08:10
by DaveB
Thanks Graham
Indeed mate.. we expected it the previous weekend and I was prepared. My sister flew over from Spain late Sunday evening and we kept a 2-day vigil but the old bugger hung on. I left on Thur evening, my sister flew back to Spain on Fri, I saw him again on Sat and was due to go back Tue/Wed as I'd been doing the last few weeks. As it happened, the call came early on Tue morning. Close but not close enough

Never mind. His suffering has stopped and that's the important thing. RIP Dad
ATB
DaveB

Re: ANOTHER little insurance misnomer..
Posted: 05 Jul 2011, 11:39
by speedbird591
Sorry to hear of the loss of your Dad, Dave. At least you don't have to worry about him any more and even though you can't physically be with him you'll never be far from him in your mind. I think of mine every single day - but not in a bad way.
Regards
Ian
Re: ANOTHER little insurance misnomer..
Posted: 05 Jul 2011, 18:28
by DaveB
Thks Ian

I'll have no problem remembering him in a positive way either. Although he said some awful things over the last couple of weeks, I know that it wasn't him saying the words.. rather the illness that was consuming him. I'm fortunate in that I can't recall ever having a bad word let alone an argument with him from the time I left school to last Saturday. While we didn't always agree, we accepted each others point of view and no shouting was ever necessary. I knew how he thought and he knew how I thought. I'm very much a younger version of him.. without the ability to save money, a simple quality of his I've always admired
ATB
DaveB

Re: ANOTHER little insurance misnomer..
Posted: 06 Jul 2011, 22:00
by simondix
Trouble is Dave as we get older we get more and more like our parents. I frighten myself sometimes. Also how much you have in common without speaking about it or knowing about it till too late.
Also how much you don't know. I have been doing some family history research and just had a bit of a shock. Won't say anything yet but a lot more research needed.
Re: ANOTHER little insurance misnomer..
Posted: 07 Jul 2011, 00:18
by DaveB
Yes mate.. that is also true. Dad wasn't a religious bod and didn't want his passing to be celebrated thus so we've arranged for a chap (who does this sort of thing for a living) to say a few words instead. I'm told he's very good and having spoken to him, he sounds a 'good sort'

All was fine until he asked me to give him a rundown of Dad's life history and suddenly, I felt so unqualified. It seemed a fitting time to pass that job to my big sister who was only too glad to speak on my behalf and that of everyone who ever knew him
ATB
DaveB

Re: ANOTHER little insurance misnomer..
Posted: 07 Jul 2011, 01:11
by DelP
simondix wrote:Trouble is Dave as we get older we get more and more like our parents. I frighten myself sometimes. Also how much you have in common without speaking about it or knowing about it till too late.
That is a very odd thing indeed..reaching an age when you suddenly realise that your folks may have actually been right and you're saying the same things they said to you to folks younger than you.....
My parents are long gone and over the years I've found myself comparing myself to them at the same age...if that makes sense
Dave, I have an old friend who's a Humanist celebrant, does non-religious 'ceremonies'.....he didn't have a Scouse accent did he?...that would be far too much coincidence
Excuse my rambling, with age comes more prescriptions
ATB,
Derek
