Motorcycle insurance cancelled

[John636]

Hey everyone,

 

Ive had struggles recently due to my insurance policy getting canceled, and Im looking for advice regarding that. I tried contacting multiple insurers but they all said they cant provide a quote and I dont know what to do at this point. I would appreciate some advice if anyone has any idea what I could try/change, Thanks.

[Bender]

Why was it cancelled?

 

[RideWithStyles]

As Bender just said ( beat me to it) Depends on why it was cancelled in the first place.

id be looking at specialist brokers, bad credits, convictions etc. keep yourself sqweaky clean for a few years then try main stream again.

 

Edited December 29, 2023 by RideWithStyles

[Bender]

Trouble is insurance question is have you EVER had insurance declined or withdrawn, that's a long time.

[John636]

1 hour ago, Bender said:

Why was it cancelled?

 

A friend of mine got pulled over when he rode my bike for a short period, and he wasnt insured on it

[bonio]

Still don't completely understand... why was your insurance cancelled, when he was the one in the wrong?

[husoi]

23 minutes ago, bonio said:

Still don't completely understand... why was your insurance cancelled, when he was the one in the wrong?

Likely because he was "authorised" by the insured person to ride without the details being updated with the insurance company.

That is one of the many ways insurance companies will void the policy.

This will increase premium for next insurance and likely the portion of the paid premium won't be returned as the policy was cancelled due to illegal action.

[S-Westerly]

The next question is why was your friend pulled over? Assuming your bike was legally clean and duly taxed and insured police don't generally pull someone over unless they are doing something that attracts their attention. If he was pulled for speeding / dangerous riding and it then turns out he was riding uninsured but with your permission its not a good look for you. Every insurer I've had in recent years insures me to ride any bike with the owners permission but Third Party only (the legal minimum).

[Bender]

Your insurance wouldn't care less if your friend was riding it, he's not the one insured, if he has no insurance that's his problem and he's insured.

 

Your insurance on the bike is still valid and you've not committed any offence that I'm aware of, if he was under age and had no license and you knew it then things would prob be different from the police point of view, if you've both been involved with trying to pass him off as you then your screwed.

 

@husoi I don't get what your saying, I can borrow a car and I may or may not be insured on it, if I get stopped and I'm not insured the car will be seized and I get done for not having insurance, the legal owner with insurance can then go get the car back, they are not going to have there insurance revoked or face any issues with the police, he's a friend he said he was covered and that's that ?

[RideWithStyles]

Most people forget one rule! They would still have to pay out any dues if any occurrence happened.

 

Also insurance and law dont give shite about "friends" that word doesn't exist to them.

 

is that the policy owners insurance has the care and duty to pay out in the first instance to the first or third party regardless that is the law end of! So for them they would have to pay out, This is a case of trying to cover of any wrongdoing to innocent party...then the real slap of their rage begins in either short or long term of black marking you or court proceedings when or if its up to the insurance to chase the person who did it (friend) or failing that the policy holder to recover losses...

 

so for them you did the wrong by allowing this person to ride your bike without insurance and they would have to suffer consequences if hed ran someone over or destroyed something else etc they would have to pay out to the other parties no matter what paper work or otherwise clause as that is law but then how much or what level theywould go to recover this is very open ended and the law will be on there side to enforce it.

 

other reasons they might not be impressed is that if you insurance has the clause of no other rider being allowed other than named on the document.

your friend is tpft insurance includes with the clause of not being allowed to ride other bikes etc....

the reason for that is that to remove chances of people buying a cheap policy on something else like a winter hack/cheap shite) but trying to "cover" to ridde a bigger or more expensive vehicle to live beyond their means under a blanket policy that some people in certain societies especially cars still try to this day..

 

Edited December 29, 2023 by RideWithStyles

[Bender]

21 minutes ago, RideWithStyles said:

Most people forget one rule! They would still have to pay out any dues if any occurrence happened.

 

is that the policy owners insurance has the care and duty to pay out in the first instance to the first or third party regardless that is the law end of! So for them they would have to pay out, This is a case of trying to cover of any wrongdoing to innocent party...then the real slap of their rage begins in either short or long term of black marking you or court proceedings when or if its up to the insurance to chase the person who did it (friend) or failing that the policy holder to recover losses...

 

other reasons they might not be impressed is that if you insurance has the clause of no other rider being allowed other than named on the document.

your friend is tpft insurance includes with the clause of not being allowed to ride other bikes etc....

the reason for that is that to remove chances of people buying a cheap policy on something else like a winter hack/cheap shite) but trying to "cover" to ridde a bigger or more expensive vehicle under a blanket policy that some people in certain societies still try to this day..

 

In the event of a claim by third party they then have the right to claim that money back from the uninsured person or the one who was insured and allowed the uninsured to ride/drive said vehicle.

 

The police don't usually start digging unless they think there is something to go digging for, a simple stop and check doesn't normally go further than vehicle seizure and charges for the one driving/riding it.

 

@John636Was your friend involved in an incident 

[RideWithStyles]

Exactly so the insurance company that the vehicle is covered involved in any claim against it would have to shell out but in the after math they would chase whoever they could (policy holder or "the friend") to recover the losses which ever gives them the better option and still black mark you for years afterwards just to make sure you understand the severity of the decision.

 

1 hour ago, Bender said:

Your insurance wouldn't care less if your friend was riding it, he's not the one insured, if he has no insurance that's his problem and he's insured.

 

Your insurance on the bike is still valid and you've not committed any offence that I'm aware of, if he was under age and had no license and you knew it then things would prob be different from the police point of view, if you've both been involved with trying to pass him off as you then your screwed.

 

@husoi I don't get what your saying, I can borrow a car and I may or may not be insured on it, if I get stopped and I'm not insured the car will be seized and I get done for not having insurance, the legal owner with insurance can then go get the car back, they are not going to have there insurance revoked or face any issues with the police, he's a friend he said he was covered and that's that ?

The police's problem will be different to the insurances issue with all this.

all the police will be bothered is if its insur (to actual drivers allowed),tax, tested.

the actual insurance company could revoke the policy as default (direct or by small print) if they got wind of it to remove any potential liability to them.

 

Agreed with police , something is amiss with the information given.
Even if a quick ANPR check would have not flagged owt if basic insurance, tax, mot etc came back clear...so whats gone on tohave their attention??

[John636]

5 hours ago, Bender said:

In the event of a claim by third party they then have the right to claim that money back from the uninsured person or the one who was insured and allowed the uninsured to ride/drive said vehicle.

 

The police don't usually start digging unless they think there is something to go digging for, a simple stop and check doesn't normally go further than vehicle seizure and charges for the one driving/riding it.

 

@John636Was your friend involved in an incident 

 

There were no accidents involved, its possible that he was pulled over because one of the L plates was chipped but it was still clearly visible which i thought wouldnt be an issue, i see riders with chipped L plates all the time and none of the ones i know ever had an issue with it. Maybe the police officer had a bad day or something, beats me

[John636]

The insurance company must have gotten notice of it from somewhere that someone without insurance was riding the bike, possibly after it got seized. I wasnt worried about that in general though, now my main issue is trying to get a policy again. Does anyone here know of a “specialist broker” like one of the posts above have mentioned?

[onesea]

Absolutely no use in this circumstance but early in my biking I had a fall out with an insurance company that would not increase my annual mileage.

 

First advice I got from the ombudsman, who took on my case. Was to cancel my own insurance before they did it!  For just this reason.

 

Insurance companies have been known to cancel insurance if you challenge them. Just to make it difficult in future, we know how obliging they are.

[Fiddlesticks]

I did once know a guy who had several children - too many in fact to put in a standard 7 seater, so he had a minibus. His brother borrowed it, kangarooed it at the lights and was promptly pulled over by a policeman.

He thought he was driving it on his fully comp car insurance, but it turned out it didn't cover such a large vehicle. The police decided to do him for driving without insurance, but he promptly disappeared. In his absence, they hauled in the owner of the minibus and gave him a caution for aiding and abetting.

Seemed somewhat petty, and a bit of a reach, but he didn't challenge it.

[Bender]

7 hours ago, Fiddlesticks said:

I did once know a guy who had several children - too many in fact to put in a standard 7 seater, so he had a minibus. His brother borrowed it, kangarooed it at the lights and was promptly pulled over by a policeman.

He thought he was driving it on his fully comp car insurance, but it turned out it didn't cover such a large vehicle. The police decided to do him for driving without insurance, but he promptly disappeared. In his absence, they hauled in the owner of the minibus and gave him a caution for aiding and abetting.

Seemed somewhat petty, and a bit of a reach, but he didn't challenge it.

Upto 8 seats is a big car, you can drive a 9 seater on car licence if your driving it for an organisation school etc after that it's pcv license 

 

@John636 your best bet is try to get the decision overturned.

 

If your ever asked in the future have you had a policy cancelled your legally and contractually obliged to say yes, this goes for car or bike or anything road going, if you don't and your in an accident and they find out your it again for any costs.

 

Try Adrian flux or contact insure 2 drive, they will find policy's for people with cancellations, don't know if they do bikes.

 

You may need to look for a local insurance broker, rather than comparison sites, they will have knowledge of where they can apply to, your going to pay more either way.

 

A few forces are starting to clamp down on antisocial behaviour.

 

 

[Fiddlesticks]

39 minutes ago, Bender said:

Upto 8 seats is a big car, you can drive a 9 seater on car licence if your driving it for an organisation school etc after that it's pcv license 

License wasn't the issue. They'd both assumed (incorrectly) that the guy borrowing the minibus was allowed to drive it third party on his fully comp car insurance. The police took action against both parties.

Point being, you can get in trouble lending your vehicle to someone who isn't insured, as well as being the person who rides/drives uninsured.

[Bender]

7 minutes ago, Fiddlesticks said:

License wasn't the issue. They'd both assumed (incorrectly) that the guy borrowing the minibus was allowed to drive it third party on his fully comp car insurance. The police took action against both parties.

Point being, you can get in trouble lending your vehicle to someone who isn't insured, as well as being the person who rides/drives uninsured.

If it was 8 seat and under and his fully comp covered other cars he would be covered is the bit I'm confused by, having just bought an 8 seater I can confirm it's a car

[Capt Sisko]

Going back to the question of why the insurance policy was cancelled, surely the insurance company has to send you a letter with both an easy to understand and the legal, 'On the x day of y, you were in breach of Section 6, Paragraph 2, Clause iii' or whatever why. I would also expect a prospective insurer to want know the original insurers reasons for cancellation. To lie to the new insurer about this would null & void that insurance too.

 

One thing is certain though, this is going to affect the OP for a very long time. As Bender said, that insurance proposal question, have you EVER had insurance declined or withdrawn doesn't go away.

Edited December 30, 2023 by Capt Sisko