O8ride
O8
Some of you may be aware that in May I went to town, parked up, and when I returned to my bike, it was knocked over and in the side of a car.
Well, cctv couldn't help - police said too grainy to see anything but likley a van reversing hit my bike and knocked it over, and the insurance wouldn't get the tape, and they wouldn;t give anything to me because I was not in the picture (data protection act) - and I received a note from the insurance saying they were accepting responsibility.
Responsibility for what, you may ask? More of that to come.
Well, my re-insurance was due for my car, and I told them about the incident. Despite having completely protected no-claims bonus, suddenly their postal quote went up by 50% while I was speaking to them! Told them to shove it, after nearly 15 trouble-free years with them, and went looking on internet.
Lo and behold, Hastings, with whom I have both my bikes insured, came in at £100 cheaper than the original quote. That was a result, BUT on my insurance record, I have an incident that states "I hit another vehicle".
That makes me sound like a bad driver, and I wasn't happy. It clearly affected my other quotes, so I wrote back to tHastings stating I wasn't happy that I was found to be in the wrong, that I was just as much a victim here (if the owners of the other car were victims at all), and that their labelling on the insurance record details does not provide the right information.
So I got a reply this morning basically stating that they can not find any evidence of wrong-doing against the third party so they have to pay up.
My issue is: they have no evidence of wrong doing by me either! No evidence that my bike just fell over - it never did before, and never has since. And I am still classed as having hit another vehicle, with connotations that I ran into them, patently untrue.
Should I just sit back and relax and forget about it, despite the fact it could cost me a lot in insurance in the long term, or should I continue to respond that there is no evidence against me, or take it further such as the Ombudsman?
Well, cctv couldn't help - police said too grainy to see anything but likley a van reversing hit my bike and knocked it over, and the insurance wouldn't get the tape, and they wouldn;t give anything to me because I was not in the picture (data protection act) - and I received a note from the insurance saying they were accepting responsibility.
Responsibility for what, you may ask? More of that to come.
Well, my re-insurance was due for my car, and I told them about the incident. Despite having completely protected no-claims bonus, suddenly their postal quote went up by 50% while I was speaking to them! Told them to shove it, after nearly 15 trouble-free years with them, and went looking on internet.
Lo and behold, Hastings, with whom I have both my bikes insured, came in at £100 cheaper than the original quote. That was a result, BUT on my insurance record, I have an incident that states "I hit another vehicle".
That makes me sound like a bad driver, and I wasn't happy. It clearly affected my other quotes, so I wrote back to tHastings stating I wasn't happy that I was found to be in the wrong, that I was just as much a victim here (if the owners of the other car were victims at all), and that their labelling on the insurance record details does not provide the right information.
So I got a reply this morning basically stating that they can not find any evidence of wrong-doing against the third party so they have to pay up.
My issue is: they have no evidence of wrong doing by me either! No evidence that my bike just fell over - it never did before, and never has since. And I am still classed as having hit another vehicle, with connotations that I ran into them, patently untrue.
Should I just sit back and relax and forget about it, despite the fact it could cost me a lot in insurance in the long term, or should I continue to respond that there is no evidence against me, or take it further such as the Ombudsman?
