scblack
Leucocholic
You are correct. It is a COMPLETE waste of money that gains you NOTHING.
Until something goes wrong. Then its kinda necessary.
Insurance claim denied: their word against mine
- Thread starter Nautonier
- Start date
Until something goes wrong. Then its kinda necessary.
my last claim my insurer paid out 13K (to a bike shop) to build a custom bike as their new for old policy could not buy me a bike due to sizes being sold out. The bike stolen cost me 4K....
yuley95
soft-arse Yuley is on the lifts again
I keep dreaming this will happen to me...
ninjananna
Likes Dirt
don't forget your income
glasslike
Likes Dirt
I do not agree. You have a point but I believe that this is more applicable to people with a higher than average net worth.
I agree that people should live within their means but I believe that people should be allowed to buy a small number of things that are outside what would be a financially wise decision and of course if these things are materialistic then they should be insured. You only live once right?
pistonbroke
Eats Squid
Is that your Lambo?
Knuckles
Lives under a bridge
Pretty sure that's what your father said about condoms.........ONCE.
I'm curious what the keys to the lock have to do with any sort of claim?
At what point does this prove that the claim is legitimate?
It seems stupid to ask for that. Anyone could just send in a new lock and key they just bought and cut themselves. Of all things proof I hardly see how this requirement aids in the claim.
Or of the lock was cut it matters not that the key works or not at the lock.
What do they say they need it for?
Or am I missing something?
At what point does this prove that the claim is legitimate?
It seems stupid to ask for that. Anyone could just send in a new lock and key they just bought and cut themselves. Of all things proof I hardly see how this requirement aids in the claim.
Or of the lock was cut it matters not that the key works or not at the lock.
What do they say they need it for?
Or am I missing something?
Minlak
custom titis
It is a clause in the contract you are mean to supply the key / keys to the lock. If your bike was secured properly you should have at least the key maybe the cut lock. It proves nothing really just a hoop to jump through. Several insurance policies I looked through tell you the minimum cost of the lock you have to use to be covered should be more than $40 and you have to provide receipt if you claim
Jimmy_Bend
Likes Bikes
I would say Velosure asking you to post a key to a lock could be classed as negligible on their behalf, especially if you still have the lock? As they cannot guarantee the safe arrival of said key and should never had asked for it but rather sent an assessor to collect it.
PS: you should always shame them, look what happens to others once they complain on their social media sites/information boards - they usually resolve issues very soon afterwoods. As you said you're worried about future insurances, they are taking the same approach.
Also remind them about your last claim basing their assessment off a single assessment. With those both in mind I'm sure you could use this to build a pretty good case against them?
Yeah I understood it was a contract clause and requirement to fulfil the claim but I am curious why they even ask for it or include it in the clause. I fail to see how it aids in the claim and any proof of said bike theft.
Minlak
custom titis
It proves nothing you are trying to use a rational thought process. There is no rationale to it.
akashra
Eats Squid
I had to double take a few times on that. I think the word you might be looking for is 'negligent'.
Exactly.
hwell:
glasslike
Likes Dirt
Not sure how it's relavent but no the cars are not mine.
pistonbroke
Eats Squid
Just wanted to borrow it for the weekend.
pink poodle
気が狂っている男
So people shouldn't save up to buy things that they like? This is either severely flawed communist or severely flawed elitist thought...I can't figure out which.
Having had more than my fair share of bike thefts I am very stoked to have had insurance, and will quite happily keep on having it.
Where do you stand on travel insurance?
in a perfect world we wouldn't need to worry. after having a few bikes stolen and my house robbed, I do worry.
I don't work hard to buy stuff so some lowlife can just take it.