Anybody know the ins-and-outs of insurance companies?

[Thomas Crown]

So RAC are being smarmy fuckheads in regards to the claim to fix my motorcycle.

They went and assessed my bike at McCullochs today and are not happy with the quote for damages. They want me to go and piss-fart about taking the bike to their preferred repair agent, as opposed to *my* preferred repair agent. The shitty attitude of the assessor that called me isn't helping matters.

I've already wasted enough time fucking around with this claim, and frankly I want my shit replaced, not repaired. Some sections I can deal with repairs, some of them are fucked enough that the time involved in painting and matching is not acceptable to me when every damaged part could be replaced with new in a couple of hours, instead of days involved with painting.

I could make a claim with my insurer and have them deal with the fucktards, but where do I stand with telling RAC to go and politely get fucked with regards to having me run around and wasting any further time?

Answers on a postcard to the usual address.

[Bendito]

Call your insurer and ask?

[Thomas Crown]

Call your insurer and ask?

Lodging a claim with WQBE is my next port of call.

The assessor I spoke with clearly isn't interested in dealing with the issue any further and it sounds like calling me was just an interruption to his very busy day contemplating navel lint.

I was hoping perhaps somebody would know of a secret handshake or some gentle persuasive arguments that might compel RAC to see things my way, as the moment I involve WQBE it's going to get even more expensive for them.

[Kryzaach]

I'm afraid you have to do what they want, they are after all putting up the coin.

But.... I would consider changing insurers, RAC are nothing if not stingey fuckers. If your house and contents is insured with them, check the fine print. Lots of gotchas in there..(fine print checking applies to all insurers though)

Edit2: (this bit is still relevant)Least hassles I've had insurance wise are with QBE. In the event of a problem, you take your bike to your repairer of choice, they send out their damage assessor who uses the place the bike is located to assess cost(for replacement gear/work). Decision is made from there. A++++ will use again.


Edit: Scratch all of the above...(except Edit2)

Seriously, make the claim with QBE, they will politely tell RAC to get fucked(as they just did for me, and bought me a brand new blade out of RAC's purse.)
You shouldn't be a cent out of pocket, as she was at fault.

[Jonchilds]

If your insurance policy gives you choice of repairer, contact your insurance company.

If you're with the RAC, and don't have the choice of repairer, you're screwed.

Edit: WQBE were pretty good with me when I made a claim.

[Kaido]

cam, rac can do whatever they like. I had a similar issue when dealing with allianz.

They would not move, the only way to get them to see my point was to get a lawyer. and even then they still fucked me on my riding gear.

go to your insurance they will sort it all out and its the best way

[Orson]

I'm confuzzled. How can you be claiming with RAC and then claim with WQBE also???

[Kryzaach]

Chick was with RAC, Cam is with QBE
He's trying to go mano e mano with them

Have I got that right?

[Kaido]

I'm confuzzled. How can you be claiming with RAC and then claim with WQBE also???

i think cam is not at fault, and the person at fault is insure with RAC

[Orson]

Oh fuck that shit in the arse good and hard. Go through your own bro. They'll cooperate with you and then get their money back from Rotten Arsehole Cunce.

[Shortfuse]

PM HPM mate. He knows the industry backwards. Sorry to hear, but this in not the first or second time I have heard about RAC screwing policy holders over on bike claims when they are not the 'at fault' driver.

[Thomas Crown]

Cheers people.

On hold with QBE claims now.. fuck RAC. My time is worth more than this shit.

Next step, cancelling my currently held RAC policies.

**edit: Holy crap, that was the easiest shit ever.

QBE assessor will be visiting me at work on Monday, no running around to do on my part any more.

I'd suggest RAC go eat some penises, but that would be immature.

[Ferris]

hiya, best thing to do is lodge a claim with your insurer - if you are not at fault - which im assuming you're not- then you may have to cough up your excess but it will come back to you at the end of the piss farting around your insurer will do on your behalf.

Not sure on WQBE procedures but they SHOULD let you go to your own repairer and they will arrange an assessment at your repairers on the day - Suggest this at the point of lodgement and see what they say.most insurers do this nowadays but SOME are still in the old skool way of you having to take your veh to their assessment centre- but i know QBE don't so WQBE shouldn't either.

Then they will send your demands to RAC and they defend your claim. Try this with RAC too, advise them if they want to assess your Bike that it will be at this repairer at this date and time if they want to assess - you've given them an opportunity to do so. Use the terminology "I'm being fair and reasonable".

And see what happens.

WALLOFTEXT kindly provided by Mrs Fez. (insurance broker)

[Thomas Crown]

Just picked up the 'busa.

From what the McCullochs guys have said, I'm not entirely sure the RAC assessor knew which end of the bike you're supposed to face forward on.

[robocop]

Cam let me begin with saying RAC can go fuck themselves you have your own insurance it wasnt your fault claim on your insurance let your insurance company fuck around with RAC the migraine you will get is not worth it believe me.

All the dealings I have had with RAC and the absolute lies and bullshit they have said .

My insurance company even made RAC pay me a specific amount of money per week while my vehicle was off the road (work vehicle) until it was repaired and back on the road again.

the old "get 3 quotes thing is bullshit" if you have a preferred repairer thats where it goes and gets fixed not at thier "cheap as chips" repairer.

OH and Cam dont sign the release on your bike until your happy with it eg take it for a spin down the road and that before you sign the waiver when you pick it up.

any probs or queries ring me

[robocop]

Ferris WQBE HAD a policy of the vehicle going to thier preferred repairer after it was taken to thier assessment centre.

Wether this is still the same now I am not sure

[Thomas Crown]

All sorted now.

Spoke to the Suzuki boys, spoke to the QBE boys, we all laughed at the ineptitude of the RAC assessor and I'll be lodging a complaint with RAC in regards to his conduct.

[thro]

Good to hear you went with the suggestion (that I also made) to tell RAC to get fucked and claimed via QBE.


I'd like to say that it must be because QBE rock, but really, guys, its this simple:

If its NOT your fault, claim with your insurer. They are interested in KEEPING YOU HAPPY (and it won't cost them shit to do so, as they'll be claiming against RAC for you for whatever it costs).

RAC, on the other hand are NOT INTERESTED in keeping cam happy. Their only motivation is to save money on dopey bitch's claim.

So, be a man, not immature, and tell them to go eat a whole crate full of cock.

[Cheezel]

Thought I would post in here as the whole thread seems to be about bashing RAC.

I've called nearly all the insurance companies and RAC is by far my best quote for full comp. $3K agreed value on a spada. $570 per year and only $200 excess.

QBE refused to insure it above $2K and even then it would cost $1200 plus $800 excess.

Swann don't insure bikes over 15 years old.. and yeah the other companies are all over $1000. SGIO wanted $1800 per year and $1200 excess. :O
Only company that comes close is insuremyride but still more expensive for less cover.

So my question: Is RAC really the devil? or only when your not their customer? Let me hear positive experiences.

[taint]

Thought I would post in here as the whole thread seems to be about bashing RAC.

I've called nearly all the insurance companies and RAC is by far my best quote for full comp. $3K agreed value on a spada. $570 per year and only $200 excess.

I got quoted $4700 p.a for my 955 from RAC, I currently pay less for that than you do for the Spada.

Plus WQBE will beat any quote, so get quote from RAC, take to QBE = Win.

oh and RAC are a bunch of fuck wits, they know nothing about bikes, want to know nothing about bikes (I got told over the phone by RAC to call elsewhere for insurance) and are only offering insurance in the hope that existing policy holders will get a policy with them.