View previous topic :: View next topic |
Author |
Message |
bumble Drag Racer
Joined: 28 Apr 2011 Posts: 551 Location: tell you when i get there!
|
Posted: Tue May 31, 2011 12:36 pm Post subject: |
|
|
better still come and do my housework, i have a pinny for you to wear! |
|
Back to top |
|
|
biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
|
Posted: Tue May 31, 2011 2:00 pm Post subject: |
|
|
WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
|
Back to top |
|
|
Sharky TT Racer
Joined: 06 Dec 2009 Posts: 1163 Location: At bloody work probably!
|
Posted: Tue May 31, 2011 2:28 pm Post subject: |
|
|
bumble wrote: | better still come and do my housework, i have a pinny for you to wear! |
What.. Just the pinny? Pervert! _________________ Not man enough for an R1....... FZ1's are cooler anyway |
|
Back to top |
|
|
boudicas Kermit
Joined: 26 Jul 2008 Posts: 2987 Location: Bletchingley, Surrey
|
Posted: Tue May 31, 2011 2:55 pm Post subject: |
|
|
biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore _________________ Opinions are like assholes...... Ahhh Fcuk it - YOUR WRONG !!!
Read my Blog at www.mrboudicas.blogspot.co.uk
See my Videos and hear my rants at www.youtube.com/BoudicasUsefulStuff |
|
Back to top |
|
|
biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
|
Posted: Tue May 31, 2011 3:01 pm Post subject: |
|
|
boudicas wrote: | biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore |
Who did you go with? _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
|
Back to top |
|
|
boudicas Kermit
Joined: 26 Jul 2008 Posts: 2987 Location: Bletchingley, Surrey
|
Posted: Tue May 31, 2011 3:20 pm Post subject: |
|
|
biggus wrote: | boudicas wrote: | biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore |
Who did you go with? |
For the CB1300 I went fully Comp with Motorcycle Direct Gold (includes breakdown cover and legal assistance). For the Scoot I went 3rd Party Fire & theft with as I didn't think fully comp was worth it on a bike that was only worth about £1500 or so.
GoCompare and ComparetheMerekat paid off for me.
Best I could do was to match last years price though and that was with an extra year of NCB _________________ Opinions are like assholes...... Ahhh Fcuk it - YOUR WRONG !!!
Read my Blog at www.mrboudicas.blogspot.co.uk
See my Videos and hear my rants at www.youtube.com/BoudicasUsefulStuff |
|
Back to top |
|
|
Jay1 Mini Moto racer
Joined: 11 Oct 2007 Posts: 983 Location: Sutton
|
Posted: Tue May 31, 2011 3:43 pm Post subject: |
|
|
boudicas wrote: | biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore |
NCD Still works, it would be a LOT more expensive if you didn't have any. You need to remember though that anything beyond 5, sometimes 6 years NCD is pretty much irrelivant as at this point your just have "full" NCD, it doesn't carry on addiing to your discount.
The problem is that premiums accross the board are increasing dramatically. The biggest cause of this is down to uninsured drivers and personal injury claims. These 2 things cost the insurance industry ridiculous amounts of money. In particular the injury thing which in the last 2 years has gone absolutely mental.
It seems that pretty much every car crash these days results in whiplash, and pretty much every car on the road has more than 1 occupant that is injured. Despite cars being safer than ever, more and more people are getting "hurt". People are just in for a quick quid, but don't realise the overall effect that it has on everyone.
I have no issue with genuine injured people seeking justified compensation, however, the number of claims I see where a car has been hit in the rear at <5 mph, with no visible damage, and 4 or 5 people then claim for whiplash plus costs, it's just crazy. That type of claim will cost the insurer around £12-£15000, and results from an accident where there is less that £1000 vehicle damage. The trouble with these types of claim is that the court will ALWAYS allow compensation, so even though you know it's bollocks, it's not work defending it as you will lose and the legal costs will sore.
I'm not trying to defend insurance companies as I totally agree that current premium levels are scandalous, and on the whole insurance companies are a bunch of wankers. I'm just trying to add a bit of perspective on the reasons driving the silly premiums.
Rant over. |
|
Back to top |
|
|
BarryH Cabbage club member #1
Joined: 25 Jun 2004 Posts: 7579
|
Posted: Tue May 31, 2011 3:52 pm Post subject: |
|
|
Jay1 wrote: | boudicas wrote: | biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore |
NCD Still works, it would be a LOT more expensive if you didn't have any. You need to remember though that anything beyond 5, sometimes 6 years NCD is pretty much irrelivant as at this point your just have "full" NCD, it doesn't carry on addiing to your discount.
The problem is that premiums accross the board are increasing dramatically. The biggest cause of this is down to uninsured drivers and personal injury claims. These 2 things cost the insurance industry ridiculous amounts of money. In particular the injury thing which in the last 2 years has gone absolutely mental.
It seems that pretty much every car crash these days results in whiplash, and pretty much every car on the road has more than 1 occupant that is injured. Despite cars being safer than ever, more and more people are getting "hurt". People are just in for a quick quid, but don't realise the overall effect that it has on everyone.
I have no issue with genuine injured people seeking justified compensation, however, the number of claims I see where a car has been hit in the rear at <5 mph, with no visible damage, and 4 or 5 people then claim for whiplash plus costs, it's just crazy. That type of claim will cost the insurer around £12-£15000, and results from an accident where there is less that £1000 vehicle damage. The trouble with these types of claim is that the court will ALWAYS allow compensation, so even though you know it's bollocks, it's not work defending it as you will lose and the legal costs will sore.
I'm not trying to defend insurance companies as I totally agree that current premium levels are scandalous, and on the whole insurance companies are a bunch of wankers. I'm just trying to add a bit of perspective on the reasons driving the silly premiums.
Rant over. |
Got to add a +1 to that. Its all the bloody ambulace chasers and "no win no fee" fuckers that are ruining the situation. I know people in N.I that have given up bikes as the premiums are much higher than ours. |
|
Back to top |
|
|
biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
|
Posted: Tue May 31, 2011 4:06 pm Post subject: |
|
|
BarryH wrote: | Jay1 wrote: | boudicas wrote: | biggus wrote: | WPMOT: Insurance renewal is f*cking ridiculous this year robbing wankers |
Had the same problem last month. Ended up doing A LOT of shopping around and worked out cheaper to split the bikes into separate policies. And shopping around again.
In the end I managed to get it cheaper that way but not as cheap as I'd hoped. NCB don't mean much anymore |
NCD Still works, it would be a LOT more expensive if you didn't have any. You need to remember though that anything beyond 5, sometimes 6 years NCD is pretty much irrelivant as at this point your just have "full" NCD, it doesn't carry on addiing to your discount.
The problem is that premiums accross the board are increasing dramatically. The biggest cause of this is down to uninsured drivers and personal injury claims. These 2 things cost the insurance industry ridiculous amounts of money. In particular the injury thing which in the last 2 years has gone absolutely mental.
It seems that pretty much every car crash these days results in whiplash, and pretty much every car on the road has more than 1 occupant that is injured. Despite cars being safer than ever, more and more people are getting "hurt". People are just in for a quick quid, but don't realise the overall effect that it has on everyone.
I have no issue with genuine injured people seeking justified compensation, however, the number of claims I see where a car has been hit in the rear at <5 mph, with no visible damage, and 4 or 5 people then claim for whiplash plus costs, it's just crazy. That type of claim will cost the insurer around £12-£15000, and results from an accident where there is less that £1000 vehicle damage. The trouble with these types of claim is that the court will ALWAYS allow compensation, so even though you know it's bollocks, it's not work defending it as you will lose and the legal costs will sore.
I'm not trying to defend insurance companies as I totally agree that current premium levels are scandalous, and on the whole insurance companies are a bunch of wankers. I'm just trying to add a bit of perspective on the reasons driving the silly premiums.
Rant over. |
Got to add a +1 to that. Its all the bloody ambulace chasers and "no win no fee" fuckers that are ruining the situation. I know people in N.I that have given up bikes as the premiums are much higher than ours. |
I do wish they'd start nicking people for insurance fraud more often, that's essentially what it is, an the "no win no fee" tossers don't help _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
|
Back to top |
|
|
Jay1 Mini Moto racer
Joined: 11 Oct 2007 Posts: 983 Location: Sutton
|
Posted: Tue May 31, 2011 4:21 pm Post subject: |
|
|
The trouble is they can't nick them, as this type of fraud is nigh on impossible to prove. There is medical research which confirms that injuries are "possible" even in low velocity impacts.
If a Claimant presents a medical report which confirms an injury (which they will, as the medical experts are not regulated, and if they start saying there is no injury they wont get their £200.00 for 10 minutes work), then a Judge is going to favour a Claimant with a medical report over a big bad insurance company saying they are commiting fraud and couldn't have possibly been injurred.
The courts are farcically pro-claimant, and until that changes, and the medical experts become properly regulated and audited, the situation isn't going to change. Particularly in a recession climate people are grabbing the quick quid regardless of the overall ethics of it.
Then of course there are the huge fraud rings, that actually set up accidents and invent accidents. Those type are easier to prove as evidence can be gathered. But even if you got rid of all the fraud rings, the problem of every mand and his dog being seriously susceptible to whiplash will not go away. |
|
Back to top |
|
|
biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
|
Posted: Tue May 31, 2011 5:52 pm Post subject: |
|
|
just hate the phenomenal waste of time when you go thorugh 20 minutes of quoting to be told that the premium is going to be £900 and you have to ground anchor all bikes in the garage _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
|
Back to top |
|
|
boudicas Kermit
Joined: 26 Jul 2008 Posts: 2987 Location: Bletchingley, Surrey
|
Posted: Tue May 31, 2011 5:58 pm Post subject: |
|
|
biggus wrote: | just hate the phenomenal waste of time when you go thorugh 20 minutes of quoting to be told that the premium is going to be £900 and you have to ground anchor all bikes in the garage |
£900 in a locked garage? And they want Ground anchors? FFS
Have you tried one of the comparison websites? _________________ Opinions are like assholes...... Ahhh Fcuk it - YOUR WRONG !!!
Read my Blog at www.mrboudicas.blogspot.co.uk
See my Videos and hear my rants at www.youtube.com/BoudicasUsefulStuff |
|
Back to top |
|
|
biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
|
Posted: Tue May 31, 2011 6:02 pm Post subject: |
|
|
boudicas wrote: | biggus wrote: | just hate the phenomenal waste of time when you go thorugh 20 minutes of quoting to be told that the premium is going to be £900 and you have to ground anchor all bikes in the garage |
£900 in a locked garage? And they want Ground anchors? FFS
Have you tried one of the comparison websites? |
Yeah... going back to current insurers atm armed with mucho better quoted price from elsewhere... just so draining _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
|
Back to top |
|
|
The Teacher Cabbage club member #2
Joined: 17 Mar 2009 Posts: 2118 Location: Playing with traffic
|
Posted: Tue May 31, 2011 6:15 pm Post subject: |
|
|
biggus wrote: | just hate the phenomenal waste of time when you go thorugh 20 minutes of quoting to be told that the premium is going to be £900 and you have to ground anchor all bikes in the garage |
Thats what you get for living in chavsville.lol _________________ You make something idiotproof, they'll make a better idiot
Never underestimate the power of stupid people in large groups.
It`s All in the wrist. |
|
Back to top |
|
|
Flipper MotoGP Racer
Joined: 19 Jul 2005 Posts: 5419 Location: Desolation Boulevard
|
Posted: Tue May 31, 2011 10:23 pm Post subject: |
|
|
£110 tpft for the CB1300 for me _________________ If you judge people, you have no time to love them. |
|
Back to top |
|
|
keith Despatch Rider
Joined: 05 Jul 2009 Posts: 239
|
Posted: Wed Jun 01, 2011 6:55 pm Post subject: |
|
|
going out to clean the bike and finding a flat rear tyre ffs ! _________________ www.klawrence-plastering.co.uk |
|
Back to top |
|
|
Wivvy GrandCnut
Joined: 27 Jul 2004 Posts: 10928
|
Posted: Wed Jun 01, 2011 7:34 pm Post subject: |
|
|
keith wrote: | going out to clean the bike and finding a flat rear tyre ffs ! |
It's only flat at the bottom! |
|
Back to top |
|
|
keith Despatch Rider
Joined: 05 Jul 2009 Posts: 239
|
Posted: Wed Jun 01, 2011 7:36 pm Post subject: |
|
|
true ! the rest of it is still pretty round ! any suggestions on repairs or what to do to get it to fwr for repair or replacement ? _________________ www.klawrence-plastering.co.uk |
|
Back to top |
|
|
Bacon bacon© Lil Mush
Joined: 04 Jul 2009 Posts: 1637 Location: "In a microclimate"
|
Posted: Wed Jun 01, 2011 7:52 pm Post subject: |
|
|
keith wrote: | true ! the rest of it is still pretty round ! any suggestions on repairs or what to do to get it to fwr for repair or replacement ? |
f you have a car, take the lose wheel in and get it repaired. Maybe get a puncture repair kit with the cannisters that inflate the tyre after you have plugged it. Don't know where you are but Southern Speed may be able to help if you are in that area. Hope you get it sorted. _________________ Comfortably Numb
WooHoo, feck you job centre...I'm offski?
"One man can't make a riot, a one man riot is a tantrum"!
R.I.P Marco Simoncelli |
|
Back to top |
|
|
Wivvy GrandCnut
Joined: 27 Jul 2004 Posts: 10928
|
Posted: Wed Jun 01, 2011 9:00 pm Post subject: |
|
|
keith wrote: | true ! the rest of it is still pretty round ! any suggestions on repairs or what to do to get it to fwr for repair or replacement ? |
|
|
Back to top |
|
|
tony vtr Can't make his 'kin mind up
Joined: 28 Mar 2005 Posts: 2728 Location: crawley
|
Posted: Wed Jun 01, 2011 9:46 pm Post subject: |
|
|
tis good stuff i agree!
|
|
Back to top |
|
|
BarryH Cabbage club member #1
Joined: 25 Jun 2004 Posts: 7579
|
Posted: Wed Jun 01, 2011 10:49 pm Post subject: |
|
|
[quote="Bacon it. Don't know where you are but Southern Speed may be able to help if you are in that area. Hope you get it sorted.[/quote]
Under "Location" it says Epsom. I think thats a pretty big hint!
Take the wheel off and any decent tyre place will be able to repair it. Depends whats punctured it as to wether it'll need a rplacement tyre. |
|
Back to top |
|
|
BarryH Cabbage club member #1
Joined: 25 Jun 2004 Posts: 7579
|
Posted: Wed Jun 01, 2011 10:52 pm Post subject: |
|
|
I got caught by a speed scamera today. My own fault I knew it was there. Its never gone off before when I've been through it. Wait to see if I get an NIP through the door... It'll be the first endorsement on the licence in 20 odd years. Do they still accept the old green license? |
|
Back to top |
|
|
Tango Sicknote - The Prophet Of Doom
Joined: 30 Dec 2005 Posts: 5854 Location: Looking for a + 10 @ Rising :-0
|
Posted: Wed Jun 01, 2011 11:59 pm Post subject: |
|
|
BarryH wrote: | I got caught by a speed scamera today. My own fault I knew it was there. Its never gone off before when I've been through it. Wait to see if I get an NIP through the door... It'll be the first endorsement on the licence in 20 odd years. Do they still accept the old green license? |
I have the old paper pink licence, it came back from the court amended in biro . _________________
|
|
Back to top |
|
|
wildman "Fluffy"
Joined: 30 Jan 2005 Posts: 2081 Location: Not here!
|
Posted: Thu Jun 02, 2011 7:04 am Post subject: |
|
|
Spike wrote: | BarryH wrote: | I got caught by a speed scamera today. My own fault I knew it was there. Its never gone off before when I've been through it. Wait to see if I get an NIP through the door... It'll be the first endorsement on the licence in 20 odd years. Do they still accept the old green license? |
I have the old paper pink licence, it came back from the court amended in biro . |
Ditto _________________ The lunatics have finally taken over the asylum |
|
Back to top |
|
|
|