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    • I have a mediation meeting coming up for this account. Can someone give me advice on what to expect. Its says I have up to an hour to present my case? I understand from the literature I have that i won't be speaking directly to the creditors etc. but just wondering what kind of questions they will be asking me.   TIA
    • I have a mediation meeting coming up for this account. Can someone give me advice on what to expect. Its says I have up to an hour to present my case? I understand from the literature I have that i won't be speaking directly to the creditors etc. but just wondering what kind of questions they will be asking me.   TIA
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    • @tobyjugg2 If you go back through this thread, there was speculation towards end of April that Sunak was looking at GE for end of June or early July. And that the GE would be announced after end of May Bank Holiday. I think many connected  to Tory party will have known about possible plans for a July election. My local Tory party had election leaflets through doors a few days after the PM's announcement. So this indicates that they were ready. There were articles in newspapers including The Guardian saying they had heard about July election. And you linked to a online article months ago saying Tories would lose to a Labour landslide where polls at the time were quite simular to current polls. So the polling has not changed as the mood of the country has not changed.  Some think Sunak will be first PM to lose their own seat.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Theft - My bike was stolen - Recovered and declaring to insurance


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So I have a situation.

 

 

My bike was stolen, recovered with police and tracker company 1h later.

 

 

Damage is minimal, as in lost my disc lock and tope yoke which I can get for 200 new or 100 used.

I have picked the vehicle up and rode it home.

 

 

Should I be declaring that to insurance company?

I do not want to make a claim as my compulsory theft excess is 150.

Bike is not stolen anymore and except licence plate marker police had no time to put it on any other database. Plate marker was removed.

 

 

If I do declare it my insurance premium will sky rocket by 40 to 50%

On top of that when I tried to make a quote for new insurance (example quote to see what happens) there is no option to declare incident as:

Theft, recovered, 0 damage and no claim made.

 

 

For theft they only have:

- Theft

- Claim made against my insurance or other (I am not making claim)

- Value of claim (there is no value had no claim)

- % recovered 0 to 100 (there is none made no claim)

 

 

As they do not provide option to declare details of incident as it happened should I report it in 1st place?

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Speak to your Insurers to notify of incident only. If you don't, then if the bike is stolen again and not recovered, you might get into difficulty with the claim. This incident is relevant to risk and will affect premium from renewal.

We could do with some help from you.

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Speak to your Insurers to notify of incident only. If you don't, then if the bike is stolen again and not recovered, you might get into difficulty with the claim. This incident is relevant to risk and will affect premium from renewal.

 

I know they will say that but how will it increase risk?

If I start using my other bike surely risk drops to same level as it was never stolen, or if I sell the stolen one and buy another. Maybe just park in bey on another street?

It's a [problem] I have done no cost to them they should not be able to do me on one?

 

Finally what am I then to do at renewal after reporting. No insurance company has option for theft not claimed. Is it OK to lie then?

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I know they will say that but how will it increase risk?

If I start using my other bike surely risk drops to same level as it was never stolen, or if I sell the stolen one and buy another. Maybe just park in bey on another street?

It's a **** I have done no cost to them they should not be able to do me on one?

 

Finally what am I then to do at renewal after reporting. No insurance company has option for theft not claimed. Is it OK to lie then?

 

I don't make the rules.

 

Read your policy terms about reporting requirements.

 

At the end of the day, it is your risk, if you don't report. I can only warn you that if you don't report it and Insurers find out about it later, that the Insurers could try to avoid paying out for another theft.

 

It is just an incident where you have not needed to claim, because the bike was recoverded.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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As a extra note to the comments above, I had a bike stolen which had being fitted with a tracker, I notified the police soon as realised it had been taken/stolen, there gave me report/theft crime number and left it at that, explaining that the bike was fitted with a tracker what could be done, officer stated police didn't have the resources to follow up on bike theft, We ourselves kept track of where the bike was every day for three weeks, informing the police all the time of the bikes where about's, STILL the police didn't bother to act.... The bike was then moved across the border into another police forces borough, and low and behold soon as I contacted that police force, there visited me and took all the details, within 3 hours that force had gone and got the bike back, the person that stole the bike was well known within the forces area, and had a zero tolerance policy on bike theft, where MY OWN police force borough didn't care at all... At the start I contacted my insurance company, who placed a maker on my claim that there was a chance the bike could be recovered and this was to just to report the theft NOT a actual claim been made as yet. On getting the bike recovered, I again contacted my insurance company, and there closed the case with no claim made, and my following years premium hasn't increased....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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