Insurance

[Funkycowie]

Hi,

I have just had a rather grumpy discussion with my insurance company that have been mostly good to me over a few incidents and about 15 years.

A few weeks ago I had multiple epileptic seizures, my first ever and my last single seizure was 15+ years ago, due to contracting H1N1 that put me in hospital for 1.5 weeks. This means I cannot ride for 1 year, so I have SORN'ed my newly purchased 2017 NC750X DCT because I had intended to keep it to look forward to and also to mod it. I still need to insure it but don't need fully comprehensive, so I told my insurance company about the seizure and that I had SORN'ed the bike, they informed me they can't insure me because of the wording in the policies and could only insure the bike third party, fire and theft if the bike was over 30 years old. They are now cancelling my policy as of the renewal date, half way through next month.

Needless to say they got a bit of a tirade about the fact that it's ridiculous and a big failure on their part not providing such a policy, that I had been with them for for a long time and I will never go back.

Has any one on here had to declare sorn and also get insurance and which company did you use?

Peter
AKA FC

PS Also should I SORN the TMax if I am selling it? Would that stop test rides?

[SH125Paul]

I just typed out a long post and 'puter went Burp...

I would try contacting the Disabled Bikers lot... they may have this sort of thing regularly following rebuilds, recuperation, conversions etc etc...

Found these!?! - http://www.sorninsurance.co.uk/

SORN / TAx is a little different now when selling as the tax cannot be transferred - purchaser has to re-tax...
So with the TMax I would wait out and see if you sell before it expires... otherwise SORN...

[Funkycowie]

Cool thanks! I have been feeling really rubbish/down since getting off the phone with my insurance provider as I was thinking I might as well sell the NC, first time I felt so down since getting home, but that's brought a smile to my face... simple things eh?

[horobags]

for info try NABD.( national association for bikers with a disability). I know your not disabled Peter but they will aim you in the right direction insurance wise.
If you think your insurance are taking the piss, contact The financial ombudsman, they cover insurance and are very helpfull.
Best of luck.

[Bluebottle]

How come life with all these organisations, schemes and whatever is so complicated and need a 3 yr course to understand the simplified pamphlet version...
yet the moment you present them with anything not bog-standard average you are on your own and they don’t have to bother looking at details?

NABD sounds like good advice

[kayz1]

Don't forget the T-Max has to be insured other wise you will have to SORN it, You can also get a lay up policy even with the bike on a sorn.
I have one on the Honda C70 so it should not be a problem with the NC whilst you have your time off...
Lyn.

[SH125Paul]

Cool thanks! I have been feeling really rubbish/down since getting off the phone with my insurance provider as I was thinking I might as well sell the NC, first time I felt so down since getting home, but that's brought a smile to my face... simple things eh?

It's all do-able... Some how...
You'll be right!

[newscooter]

Does all this mean that you have been refused insurance as that may make things more complicated in future ? When I put my trike on SORN over the winter my insurer (Bikesure) offered me lay up cover, effectively fire and theft.

[Funkycowie]

Does all this mean that you have been refused insurance as that may make things more complicated in future ? When I put my trike on SORN over the winter my insurer (Bikesure) offered me lay up cover, effectively fire and theft.

That would be discrimination as epilepsy is considered a disability, they would be breaking the law. As soon as the dvla give me my license back there should be nothing stopping me from getting insurance, the lady I spoke to told me that I would even get an extra years NCD because of the down time.

[Luckydave]

I use a “proper” insurer ie not an online/or manned by people reading from a script.I have had a few issues with my licence/health and bikes etc. Likely pay a few quid more but I get treated properly and don’t spend hours on phone talking to ignorant people.Peter James is company I have used for a long time