How did you buy the cover eg over the phone or online?

 

Have you looked at your previous covers to see if commuting was included?

I phoned them up.

If I had any previous insurance documents I have thrown them away as soon as I sold my previous motorcycle.

Thanks.

They say its Social Domestic and Pleasure cover. As I mentioned before I haven't received any documents from the insurer.

Yes, I know I was silly to ignore this. Unless they sent it out to my email address and it went into junk mail, spam, etc.

 

To enable us to provide accurate advise, we need you to post up the exact reason they give for declining your claim in the letter they have sent you rejecting your claim, please post this up so we can give you the correct advice.

 

Could you also advise us whether you a student at the time of taking out the cover or did this change part way through the Insurance

Hi,

From the letter I understood that Hastings direct are only broker, the letter came from AXA.

They reffering me to Page 21, where "General exceptions" are stated.

From the letter:

"1. This Policy does not apply when Your Motorcycle is being used for purposes that are not specified in Your Certificate of Insurance.

We decline your claim because commuting to a single place of work or study is not covered by the certificate of insurance".

For previous 3 years I was insured with Hastings Direct using CBT and car driving licence. Then they told me over the phone that I have to start a new policy with the new motorcycle when I passed my A category licence.

I started studying in 2014 part time, as I work full time, then in 2015 I have started another part time course, and still working full time.

Thank you.

Then it's not a place of work. Keep us updated to what happens with Hastings.

It's not, that's obvious, unfortunately they refered me to their booklet, which I have never received. So I cannot check on what ground they reject my claim.

Further to the above question.

 

Are the attendances at college connected to your job eg are they part of a training course to do with your employment and / or sponsored / paid for by your employer?

 

What does your Certificate of Insurance say is covered under the section of Use?

No relations at all to my working place. I decided to do the Level 3 course, that's about it.

I took a loan to pay for this course.

I have never received the certificate of insurance. Just forgotten to ask them for one. This was my first "bigger" bike, and was very excited about it.

Thanks for your suppor guys!

Do you work at the college or are you a student ?

Part Time student.

Thanks.

Hi there,

I have a huge issue with this insurance,

my motorcycle was stolen from the college car park and Hastings direct claim that my insurance does not cover going to college.

I had this motorcycle for a few months, and when speaking to their representative Im sure they as you for the purpose of using your vehicle.

I mainly used it to get to and from work, as I cannot afford another car (mrs has one).

When I asked for explaination they said they will back to me, but never did.

I must also say that I have never received my policy booklet, nothing, so I didnt have chance to verify it.

At work my friends are saying that going to college isnt like work, its your pleasure, same like you going to watch football every week.

I didnt even use this motorcycle to go to college on regular basis, because of a huge traffic in the morning.

My other friend advised me to speak to my MP, a local newspaper, watch dogs, etc.

and all them saying its disgusting what Hastings Direct did to me.

If possible would anyone give me any tips what to do and do I have any chance fighting for my rights?

I feel completely disappointed with my insurance, really thinking I was naive to believe in honesty of this insurer who I did not change for past 3/4 years!