Bike Insurance Woes - Help

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  • CptKernow
    CptKernow Posts: 467
    The moral of the story: If you make an insurance claim, read the policy and then rework the narrative to satisfy the small print.

    Alternatively, as suggested by the smugger posters and you have nothing better to do with your time, you could read the small print on everything you ever sign up for...
  • rafletcher
    rafletcher Posts: 1,235
    CptKernow wrote:
    The moral of the story: If you make an insurance claim, read the policy and then rework the narrative to satisfy the small print.

    Alternatively, as suggested by the smugger posters and you have nothing better to do with your time, you could read the small print on everything you ever sign up for...

    Not smug, accurate.
  • andyh01
    andyh01 Posts: 599
    rafletcher wrote:
    CptKernow wrote:
    The moral of the story: If you make an insurance claim, read the policy and then rework the narrative to satisfy the small print.

    This would be insurance fraud which costs the industry £billion a year, which we all pay for. Adds approx £50 to every policy.

    Alternatively, as suggested by the smugger posters and you have nothing better to do with your time, you could read the small print on everything you ever sign up for...

    Not smug, accurate.

    The industry and legals know that this isn't always the case, a lot of work has gone into simplifying policy wordings to be in plain English and easier to read/understand. However can not cover every event particular to an individual case, as each is different and is therefore judged on its own merits and therefore open to interpretation by the claims handler, which may be different to the underwriter for example.

    As I say, sometimes the narrative particular in non mainstream lines can be misunderstood. At the very least they should be entitled to the premium back but I'm assuming this has been overlooked this far?

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