Got this as part of an email from them. As it is them making a mid term adjustment can I claim the admin fee? Think they are struggling as they seem to be getting progressively worse, so much so this may well be my last ever year with them.
I have insured with them in the past, after weighing up their poor customer reviews vs their low prices and accepting the risks. Looking at these new charges though, I wouldn’t touch them again- £72 for a policy change (might just be to tell them that you’ve changed career from being a stunt rider to a nursery nurse) - it’s daylight robbery…
I'd say that they can't make a mid term adjustment to a charge having agreed terms at the beginning of a contract. Bloody chancers!!!
That is extortionate for an admin fee! Never heard anything good about MCE. I've been banging the drum for Bemoto over the last few years (along with almost every other biker in the UK who's used them). But this year I have noticed a slight change. One of their selling points was "for bikers by bikers", you used to always get someone who knew a Fireblade from a Fiesta on the end of the phone. You never got any of the usual silly questions and it was always a pleasant phone call. This time round though I had to ring them a couple of times and both times I ended up speaking to a generic insurance bod who didn't have a clue about bikes. Probably a victim of their own success. The price was still right though so that's the main thing.
Yeah I stayed with Bemoto again, but know what you mean with the staff. First time they were really knowledgeable about all the mods, but got the impression the person I spoke to this time didn’t really know much about bikes. Still the best price for the cover I could find. Added an additional bike mid year last time too and no fees.
to add insult to injury, I believe if you cancell your policy (like after selling the bike) some still charge you a fee!
I think that's a piss take at that amount. A few insurers now letting you do your simple amends online fir free which has to be the way forward. I've had one of my bikes with bemoto for last 2 years and have been fine so far. One car policy provider ( cant remember who) tried to charge me £80 to cancel a policy after 10 months (sold the car) no refund was due as within last 3 months so just left the policy running and started a brand new policy elsewhere on replacement vehicle. No issue about using ncd twice as I knew I wouldn't be claiming on the old policy as that car had gone. They were basically cutting their nose off to spite their face with a silly fee.
i have just done a quote on go compare and £131 was the cheapest but i wanted to ride any bike so £156 with bikesure looked good. never again will i go with bikesure rip off cu##s (and i don't swear much on here but) when i received the statement i noticed some things where different to what i had put 1: garage 2: qualified rider 3: exhaust 4: pncb with previous so i got on the phone to them and he said oohh yes i can see that this and that was wrong i will alter that, then he said sorry but the provider will not do the policy but i have looked around and the cheapest is £1200 i said sorry but i would not like to take that and could i have a refund. yes but its going to cost you a discounted cancellation fee off £30(would be £60) i don't think he was quite ready for some of the reply's he got. like they had called me a liar for filling in wrong, they where robbing me, they where changing policy's, and a few more then i asked to talk to a manager no then the complaints team and said i would go to my credit card company and go compare complaints and finally he said i would get a full refund with no chargers never will i us this company again even if they quoted me a quid please be aware and warned
Don't ever leave a policy running on a vehicle you no longer own. You could be hit with more expense than the cancellation fee. Leaving a policy running would allow the new owner not to insure as it would show on the database as being insured when it isn't. Opens up a whole new can of worms.
Agree - a year or two ago there was an article in Ride magazine by the bike lawyer who has a monthly column. He said same thing and I think he even said that if the new uninsured owner crashes into someone and hurts / kills them then you could be taken for every penny you’ve got, including your house…
@Kevin1 and @edderby Just googled this and your are both indeed absolutely correct and I have learned something today. Apparantly the road traffic act compels the insurers to meet all and any claims when holding a certificate of insurance on any vehicle so long as rhe driver has been identified whether they are rhe insured driver or not. The insurer is then at liberty to seek to recover their costs from the policy holder. So....so long as the driver is identified this RTA legislation kicks in Quite scarey really
There was a post on the White Dalton blog a couple of weeks ago covering this when a guy wrote in about selling his bike but forget to end the insurance. Buyer had a crash and injured pedestrians I think. Anyway, he was being got by the insurance co. for damage that were in 5 figures. Think he thought he was afraid of losing his house for that. When it comes to dealing with insurance companies I re check every item cos you know damned well they will. Santa Claus they are not!
I’m not sure we can blame the insurance companies for that particular sticky situation. Us riders take out a contract with them each year and we each rely on the other to honour the terms. The insurance company has to pay for the injuries to third parties as long as the contract is running - so it’s unfair to expect them to pay up and forget it if some uninsured toerag is in the saddle when the worst happens and we, the policy holder knowingly facilitated this…
I agree 100%. But I still check all the small print. Then if anything goes tits up I can’t really blame anyone else. If you don’t check and simply sign on the dotted line don’t expect any sympathy from a company who are trying not to pay if they can help it.
So is their business model failing? Looks like they will no longer be underwriting their own policies.
