What a load of ***********

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geoff_52
Posts: 117
Joined: Fri Jun 17, 2011 12:11 am
Location: FRAMLINGHAM SUFFOLK

What a load of ***********

Post by geoff_52 » Mon May 28, 2012 12:02 am

You would'nt believe it!!!!! Fitted a loader to my 1490 a few months ago, went to re insure it friday with the same insurance company, and told them that I had fitted a DB loader to it(as you should notify any new modifications made to vehicle)they asked me if it was fitted by an engineering company I said no and told them that I had fitted it my self, and they told me they can't insure me untill I have the tractor inspected and an engineers report to say it has been fitted correctly, Am I missing something here or are they trying to loose my custom or what,looks like a trip to Doe's next week, good job I did'nt tell them I had the rear wheels off to fit tyres to them a while ago :lol:

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885mac
Posts: 108
Joined: Sat Feb 18, 2012 10:21 am
Location: Belfast

RE: What a load of boll--ks

Post by 885mac » Mon May 28, 2012 8:13 am

Hope not im up for renewal next month!

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DB780
Posts: 1623
Joined: Fri Dec 30, 2005 4:06 pm
Location: Lincolnshire

Post by DB780 » Mon May 28, 2012 8:25 am

I had my renewal form on Saturday and they have snook in a new clause. Apparently if they cannot find a similar tractor to the one insured, if mine is stolen or written off, they will only pay the price I paid for it not the current market value. I will ring around and see if they are now all the same.

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bedwards1966
Posts: 856
Joined: Sun Mar 07, 2010 10:36 pm
Location: North Yorkshire

Post by bedwards1966 » Mon May 28, 2012 11:46 am

Called insurance.
A crooked business, and a general PITA.

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intimidator
Posts: 172
Joined: Tue Jan 17, 2012 5:25 pm
Location: stockport

Post by intimidator » Mon May 28, 2012 3:27 pm

be carefull with insurance company's, they will do anything to wriggle out of a claim!!
my son was involved in a slight car accident, just damage to both front ends, no injuries at the time, but a week later both the driver and passenger had whiplash!!....
so the insurance company came to see my son, they asked him all sorts of questions, nothing to do with the accident, what they were trying to do, was to see if he had failed to declare anything on his application document, so that they could walk away from it, saying he wasnt insured because he hadn't fully declared everything, as it was, my son was totally honest on his application, so they couldnt find anything, so now, and only now, they have decided to take on the claim!!!!
so please be warned!!
thank you to everyone who has helped me with my 1210, its very much appreciated.

John_Allen
Posts: 1894
Joined: Sat Dec 31, 2005 3:59 pm
Location: Cumbria UK

Post by John_Allen » Mon May 28, 2012 3:52 pm

A few years ago, a friend was driving along a main road and intending to turn right onto an industrial estate. There was a LH junction just before the RH one and a car pulled straight out into the side of him!

The insurance company wanted to go 50-50!! They even threatened my friend with a "Careless Driving" charge if he fought their decision. Needless to say, when pushed, they backed down - there was at least one independent witness (a pedestrian) who said it wasn't my friend's fault!

I wrote my Golf off last month, the insurance (Direct Line) have been excellent - though I will lose NCB as we can't find which t*** let the cobble fall off his wagon! The new car (a Golf!!) came with "optional" alloys - even though it had steel wheels on when I tested it. I phoned the insurance and they were happy to add that bit of info - at no extra on the premium. I bet they'd have said something different if I'd had a prang and not mentioned the wheels!!

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jimc1390
Posts: 2253
Joined: Sun Jan 11, 2009 10:27 pm
Location: cornwall

Post by jimc1390 » Mon May 28, 2012 7:22 pm

fibbing to a insurance company is bad news, you might as well have no insurance, had great fun explaining to the life insurance chap i climb down ropes into old mines for a hobby!!!

im narked off with nfu who else is decent
db 990 selectamatic
case ih 1594 com ed
db 1390 gd90 loader

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DB780
Posts: 1623
Joined: Fri Dec 30, 2005 4:06 pm
Location: Lincolnshire

Post by DB780 » Mon May 28, 2012 8:36 pm

jimc1390 wrote:fibbing to a insurance company is bad news, you might as well have no insurance, had great fun explaining to the life insurance chap i climb down ropes into old mines for a hobby!!!

im narked off with nfu who else is decent
It's the NFU that I'm insured with or perhaps was.

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Madders
Posts: 2433
Joined: Tue Feb 28, 2006 9:52 pm
Location: Holmfirth

Post by Madders » Mon May 28, 2012 8:55 pm

This rings back to the pick up renewal mess from last week...... as an update:-

got the thing the same cover with £250 excess covered for my agricultural comings and going, trailer, [pulling kit about etc etc £492 inc legal exp. and insurance premium tax..... no the good bit!
When I first asked the local NFU office for a better price they only lopped £80 from the first ludicrous price, then when I called for my NCB proof they said they'd match any lower quote!!! sod that, treachery is treachery.... The new compnay are Harold Woolgar in Epworth nr Doncaster and were recommended by an old college friend. It seems on asking about quite a lot of my farming cohorts have moved policies over there......
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dj
Posts: 376
Joined: Sat Sep 11, 2010 8:10 pm
Location: West Wales

Post by dj » Tue May 29, 2012 12:11 am

Had exactly that conversation a few weeks ago:
"Sorry mate, you had your chance to give a competitive quote. I'm off"

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DB780
Posts: 1623
Joined: Fri Dec 30, 2005 4:06 pm
Location: Lincolnshire

Post by DB780 » Tue May 29, 2012 10:40 am

Update on my NFU post. I contacted them and apparently I mis-interpreted "we will pay you the price you paid for the vehicle" to the price I paid for the tractor when I bought it, how silly of me! They will actually pay the market value.

JJT
Posts: 50
Joined: Mon Apr 21, 2008 12:19 pm
Location: Brockholes, Holmfirth, England

Post by JJT » Fri Jun 01, 2012 10:35 pm

My insurance renewal has just come through too.
I wouldn't touch NFU with a barge pole after they declined me last year (my first year of tractor ownership) due to being too high a risk ... one blame accident and two non-blame accidents in bad weather ... I was wanting to insure a 1949 Cropmaster! Hardly high risk! From this topic, it sounds like others have suffered from a perceived change in their strategy too.

My current insurer cranked the cost up from £45 to £60, so thought I'd try some others - that's when I saw this topic.
Following Madders' recommendation, I tried Harold Woolgar too ... spoke to 'Harold' (I assume he's the main man) and was quoted £60 matching my renewal quote - but he sounded like such a like-minded enthusiast, I too have changed.

So, to add to Madders' post, it's not just his 'farming cohorts' who are changing to Harold Woolgar, it's us enthusiasts and road-runners too. I can highly recommend them.

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