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wakeymatt

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  1. So i'm being punished financially with no reason other than they think i'm a liar so I should pay them more money, the actual money i'm paying is to cover what exactly ?
  2. Yup I know mate, what I don't understand is why i'm getting charged so much for only 3rd party cover when i've never had an accident in all my life ?
  3. I can get insurance from Adrian flux but they are asking for over a grand a year for 3rd party only insurance, I just don't get how they can charge so much for 3rd party cover as i've never had an accident in 17 years of driving and riding. I'm considering not checking the have you ever had insurance cancelled or voided and using the defence of the issue is in dispute ?
  4. Ok now i'm trying to get 3rd party insurance and I can't get a quote as I checked the have had insurance cancelled box. So does this mean I can never get insurance now even though i've never had an accident in my life and only claimed for thefts ? This is ridicules !
  5. Well interestingly that opens up a hole new bag of worms. I recently contacted my estate agent about moving flats due to being targeted by thieves. I was met with quite some hostility and was told I would have to pay re listing fees and also if I did move I would have to keep paying rent until my current flat was rehoused. As its just not finically viable to move under these terms i'm stuck where I am until my contract finish's later this year. I started investigation how I could combat the thieves and started with the most obvious things first the security cameras on our property. Now the cameras in question I was told were a deterrent and not actually operational upon having my first motorbike stolen. Now recently the estate agents have said the cameras now are operational but had neglected to tell us the residents this. This meant that when I reported the theft several months ago I was under the impression their was no operational cctv and told the police as such. If it transpires their was cctv available at the time of the theft and its still on record then hunky dory however if its been deleted do you think I have a case against the estate agents for some kind of negligence ?
  6. so you don't think I have a case for them adjusting the payout to reflect the higher policy if I had properly disclosed the previous claims ? To be honest I don't think i'll be getting theft insurance anymore even if I could, i'm just going to get 3rd party cover that apparently I can't be refused by law. Much cheaper and it just means I will have to take extra action to protect my property !
  7. well I feel its worth looking into more closely but I appreciate your input Mossycat, good to see a fellow from good old Wakey on here
  8. Guys I know what you are saying is fact however I intend to prove that I've not intentionally withheld any information at all. In fact I can prove they had knowledge of one of my claims as the first bike i had stolen was insured with this same company. Also their is a big difference between intentionally withholding information and making an honest mistake. If they don't see it my way then I will sue them if needs be.
  9. I know it sounds clear cut but I honestly had made a genuine mistake on the form. Their is no mention of the word "theft" in relation to claims in fact the actuall wording is " Has the driver had any accidents or losses, whether at fault or not and regardless of blame in the last 5 years" Now to me I thought that was talking about accidents and losses in relation to this and not if I'd had to make a claim from theft. I would say this wording is not clear and open to misunderstanding hence my case. Upon inspection of my aplication I also state I have no no claims discount and this would support my evidence in not trying to decive the insurance of my previous claims. If askied the question "have you ever had and claims resulting from theft in the past 5 years my answer would have been yes !
  10. I recently had my motorbike stolen for the 3rd time and now the insurance won't pay out ! They say when I took out the insurance I didn't inform them of the previous 2 thefts however I didn't see anything on the form asking for that information. Do I have any rights in this situation that I can fight for ? I've been a victim of crime 3 times now and if that wasn't bad enough I have lost all my money on this bike and everything I paid in insurance. I don't feel I have done anything that would seriously invalidate my insurance even if what they say is true. By not declaring a previous theft would do only raise the premium of my insurance of which I would be happy to be deducted from my claim. On the other hand if they really are insistant on not paying me out for the theft that I thought I had cover for, then what have I been paying them for in the first place ? surly i'm entitled to a refund for my premium if they are not going to honor their end of the deal ? The letter I have been sent also contains no real evidence to support their claim. I'll upload it incase anybody can help me find something that will help me with this matter. Peace :
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