The Insurance Industry's Dirty Secret | Legal Hints + Tips 

Apologies for the reupload, but we're also sorry for inadvertently using language in the original that some viewers may have found offensive

Thanks for this video - had a crash less than 2 hours ago, so followed the advice and got my bike recovered back to my garage, and will be pushing to have repairs done somewhere I want under my fully comp.... wish me luck!

I moved a claim to White Dalton from one of the 'paralegal sausage factories'. So glad I did, avoided unlucky Alan's situation.

I’ve recently changed my bikes from 2 down to 1. It cost me over £30 in admin fees to do so and when I said my new bike is fitted with a manufacturer alarm and immobiliser she said the manufacturer knows we aren’t interested about those being fitted. They are a complete and utter shambles the lot of them.

I had a similar story but was lucky as the other persons insurance company paid out in full in the end .Whilst reporting my accident details etc my insurance company offer me a FREE courtesy bike & arranged collection of my bike for assessment. Bike arrived and was told too sign for delivery it was only after a few weeks I cottoned onto it actually being a hire bike so got it picked up & then prayed I would not be left with the bill.

Happened to me once! Don’t take a hire bike. Fortunately I forgot to sign the " delivery note" paperwork for it when giving it back and they could not charge me for it. Don’t take hire bike without understanding what you getting yourself into. Also these guys are seriously good solicitors. Talking from personal experience.

Many thanks for the warning, how these born out of wedlock can still get away it is mind blowing.

I do love the simple honest nature of these videos. I hope we never have to use this knowledge but it's good to have it in your back pocket.

Thumbs down must be from some insurance company...

Every rider should at least talk to a motorcycle lawyer if they get into an accident. After talking to mine after a low-speed crash I found out that half the stuff I was told by the police on the scene and my insurance company was a lie. Even if you have to pay for a couple hours of their time it's so worth it.

I watched it again in full just to help the channel

I'm watching again to support the views. I hit like again as well. I support you guys. You rule. Cheers from Pittsburgh.

Drop the library shots! Happy to just watch and listen to you, found them really distracting. Whilst on the subject, I caused a minor scuff to someone's 3yo Beemer, barely perceptible to the naked eye. Said I didn't wanna go through insurance, we both got prices of £250-£450 but couldn't agree on who she should go with, so she went via insurance. The bill was £4.5k...

Really like these videos, genuine honest advice for us bikers and this chap seems proper knowledgeable

Hire prey is very real thing! Always say ‘No’ to courtesy vehicle even if your insurance policy included it. The first couple days is when the client is most vulnerable to fall for this! Read the policy and courtesy car document to ensure no charges are applied regardless of your win or loss.

Now im gutted for not seeing the original upload.

Really appreciate this crucial information. Keep these updates coming. Excellent 👌

Great informative video. How the insurance / legal industry is allowed to get away with it is unbelievable, absolute criminal!!!

Had this same situation. Broken brake lever and scratched body panel they made my bike a Cat C. They took the bike to 'inspect' after the crash and when taking my bike gave a replacement (I had a Divi 600 and got a Bandit 1200). After a month of calling every day to them I finally got through and demanded they return my bike and take the 'replacement'. Best choice I made. They did everything to keep it which to me was a theft and I threatened legal action to get back my bike. Same thing, thousands charged to guilty party for hire and storage also 'inspection'. Bike came back filty - and the delivery guy showed me photos... the 'storage' is not even covered just a dirty old yard whith out proper security. After that I stopped claiming anything. Do it myself.

Not a biker but my insurance company couldn't even be assed to reply to me despite 2 emails and using their contact page through my account, safe to say I won't be using them when my insurance is up next month

I got all excited then thinking it was a new upload 😔😂

Really enjoy these 'legal Corner' videos - job well done!

I'll tell yer what lads, this is vital viewing. Well done for highlighting these issues 👏👏👏👏👏

When I got hit and it went to court the hire charge was reduced by the judge. They know it is overpriced and my lawyer had authority to negotiate the hire charge. So there was an understanding in place already that they're gonna be cheeky but it will just end up getting reduced. The law firms your insurance offer you are just call centres who might hire a lawyer if, in the rare occasion, it goes to court.

44Teeth - thanks for this insight. Also after an accident where other party is to blame (and you are fully comp) it is becoming more common for your insurance company to advise you to deal direct with the other person's insurance company so that you can get your excess back. Could you advise on the benefits/problems with doing that.

Good work on giving this the air time it needs !

I'd like to hear about the legalities, both to the police and to your insurers (whether you tell them what you have or not), of running a "not for road use" exhaust on the road 😊

Hey @44Teeth, big fan, all the series are fun to watch! I'm a big lad and only merch available is in teeny tiny size. Are you planing to do a run with larger sizes than S?

An absolutely cracking bit of useful advice for all us bikers thanks very much , I was knocked off a bandit years ago and got offered a so called courtesy bike but didn't accept it and I'm glad I didn't now.

Some really good content to think about here. Good stuff thanks Al

Just wanted to say thank you for the awesome content and an even bigger thank you for the added value I just got from BeMoto for mentioning you guys when I renewed my Insurance. I owe you guys a few Beers :) Double Decker!

I had an insurer try do this with my Ducati, but i said no, its an old Ducati, the only garage its going to is my trusted Ducati specialist, then they tried saying we can only pay for it done at one of our approved garages, etc. Eventually they coughed up the money but wasted weeks and weeks doing it.

That was a great video but also great to hear that you can lose your warranty if you go to a none dealership for I just recently heard that it was ok to go to other motorcycle workshop as long as you used genuine parts so glad that you clear that up for I was considering it but not now so thank you 🙏

The problem is the law of liability and negligence. Both are not linked strongly enough with the law to mitigate losses. The law needs changing so that mitigation of losses must be present and evident in any claim for negligence at the point of claim. If not then the claim should be invalid.

What an eye opener but how so wrong that scams like this exist. Probably most people are stressed and vulnerable in the period after an accident so are looking for someone to help sort out a problem and go with whatever is suggested. Surely the law needs to close these loopholes 🤬🤬

Such useful advice. Please keep these coming 👍

They do this on cars too,, someone crashed into my car so my insurance company told me to get a hire car etc. The damage to my car was small £1500 but the garage had my car for a month and the hire company charged my insurance £10,000 for 30 days and they wanted me to go to court then the threats started but it got sorted. So beware of the 3rd party hire companies, you can contact the underwriter direct and get them to deal with your claim not the broker that’s what I did in the end the underwriter was really helpful and basically told the broker what they was going to do 👍

I had a hire bike from Plantec a few years ago. I was concerned about the delivery note being a long hire agreement so got them to confirm on the phone & email that I would NOT be liable for the cost if the insurance companies found me in any way liable. They categorically said I would not liable for the hire bike costs and that Plantec take the risk and the cost when they offer it. I don't know if this was really true or not ? Luckily my helmet cam caught the accident on video and the car driver was found 100% liable so I won the claim anyway, but I'll never know if I could have been hit with expensive bike hire charges if it had gone the other way or 50/50 ! These firms are lying to get a signature through false pretences, which is FRAUD ! They should be bloody shut down and judges awarding these innocent victims getting caught out by these liars !

I ended up with a hire bike when I was knocked off. Luckily i did need it for commuting so they paid up. 100 miles a day for over 100 days all through winter. When i gave that FZ1 back half of it had fizzed away 😂.

Great information, thanks for sharing

There is a good reason why I'm going for the most bare bones 3rd party insurance when i renew, really don't want to deal with this crap

Great insight from this guy as always

Just so I understand correctly, are you guys talking about a "hire bike"? Is that like a replacement vehicle you can use until your own bike is fixed up again?

very interesting. thanks for the top tips

I'm slightly confused by the comment from Andrew that having your bike (van) repaired (serviced?) by a non franchised dealer will invalidate the warranty. That doesn't apply to cars AFAIK. Could you confirm this please as having a major service on a Ducati (including belts) completed by a non franchised dealer has left me worried!

Hi, so what is he saying then that if you have a crash, you should always go through your insurance even if the crash isn't your fault. When I had a crash previously I was given a courtesy bike for about 2 months racking up a similar bill but I haven't been charged for that. The bike was under 4th dimension to be repaired and they gave the courtesy bike but I was told it was repaired with all kawasaki parts. I went through the 3rd party insurers though and they put me into contact with a claims management team. I do remember though when the courtesy bike was dropped off there was quite a lot of signing done and I remember worrying about the cost but was told it would be charged to the 3rd party.

Nice one guys, thank you for that info.

the word used isn't quite as offensive as using children as human shields, the country in question uses both the word and the war crime.

So the important reason why this happens is that the insurer, or the accident management company who may have got your details from one of the insurers or a variety of other methods, gets a large commission. In the car world where this is even more common, you might be paying 450 quid a day for a golf which you could walk into hertz and get for a quarter of that - and whoever got you into it is getting a hefty commission in effect (it can be a referral fee or other things). It's best avoided unless a) you're sure it's the other person's fault, not just "yeah of course it was", and b) you actually need it. I work for an insurance company and we just tinned a 60,000 hire bill for a porsche which our policyholder had tapped the back of, doing 2k of damage - but we were fairly lucky to screw them on it. Often we'd be lumped with a large portion of that bill, and it's always you that pays for it in the end...

In ten years time I am going to need a script of what I am planning to say, authorised by the feds before I leave my house, to go out in public and tell the c.nut across the road from me to stop cutting his effin lawn at 6am on a Sunday morning. The same people who complained about the original vid probably find it perfectly acceptable to kidlio fidlio as long as they don't curse while they are doing it. It's all about saying the right thing rather than doing the right thing... ISN'T IT BORIS!!!

The b-roll on this is just perfect lmao 😂

Excellent video. Top little series this! 👌🏻

Nothing wrong with the 1st edition truthful & honest great job..👍🏻

Valuable information! Thanks.

Bumped on this vid after being offered a seemingly innocent hire bike and storage for my bike.So glad i did

Admiral tried that with my car, pawned off to some scummy no-fault claims company to sign up for a credit hire and repair, granted I was in the right and camera backed it up, weren't dealing with that crap, and paid out of pocket for the repair.

I must be lucky when I had my accident. Bike was second hand, wrote off though due to T-boning a car coming from a blind corner through traffic, into my lane. Got a hire bike as I ride all year, despite owning a car, haven't paid a penny for anything. Insurance has gone up a tad, but that's about it. Might be different simply because his was still new-ish I guess? Either way, good vid lads!

The insurers are a robbery, I work as a delivery person, I took out my food insurance and after 4 days they canceled me and they wanted to charge me 300 pounds for them to cancel ... I also had an accident and took 3 fines and they did not notify me when I had to deliver I had to pay him for each fine that they paid me 40 pounds more when each fine had a cost of 65 that is to say, 105 pounds. 🥲

great vid, these rogues need shaming! btw, will new t shirts be before xmas?

Thankfully i have not needed to make a claim on my bike as yet at this point. As mentioned in the video this appears to be the "Paralegal sausage factories" so is this something that can be avioided by selecting insurers, or for example when does a legal entity such as white dalton get appointed and how can we avid the bad apples. Other than not taking an unnecessary hire bike how can we spot and avoid getting ourselves in these situations?

Thanks for the vid. so in short no hire bike and no claims company go through insure direct ?

i'm interested why my insurance goes up if claim was non fault? why i have to pay for something someone else did...

Excellent. thanks for these.

I had this many years ago, cottoned on after a couple of weeks with the "loan bike" and fired it back to them. I was lucky, the third party did pay for it.

Yes and this is why I will never again use Bennett’s insurance. 3 months of storage and hire on a crap bike for a broken foot peg

I just can't understand why people buy comprehensive insurance. You have to know they are going to do everything they can to not pay you, and they are going to charge you enough that you'd never get your money back in a lifetime.

What an absolute nightmare, this needs stopping. Oh and remember the so called best domestic superbike championship in the world is sponsored by an insurance company guilty of all these shenanigans. I'm attenting club races only from now on, where there's no money there's no muck

If its this poor blokes insurance company that advised him to go down this route surely they should be named and shamed.

Ouch.... I certainly won't be taking a "courtesy" bike in the event of an accident.

I love listening to this guy

I've already seen the original, I'm just here to see if "paralegal sausage factories" are still a thing...

Please do more videos on insurance I have a question for next time 😋

At least you kept in the "para legal sausage grinding factories" comment 05:50 Well aware of this problem. I was offered this but couldn't see the point if I'm fully comprehensive. That's what I pay insurance premiums for! As long as it's not your fault, once the claim is settled it will not unduly affect your future premiums, but it probably will affect the premiums until the claim is settled. If it is your fault, I suggest it's even more reason to go through your insurance.

Just amazes me, through all of this and the detailed explanation there are still comments about '...insurance company scum...' and the like. Who 'owns' us the customer?; the Insurance Broker. Who do we call first when we are in an accident?; the insurance Broker's appointed 'paralegal sausage factory'. Who do you think creams off the fees from these credit hire and credit repair (in non-Fault claim scenarios) claims?; the 'paralegal sausage factory'. These (broker) profits come from admin fees, cancellation fees, instalments charges and yes, kickbacks from the "paralegal sausage factories" for introducing us - the customer - to them on a claim; the insurer is left picking up the cost and every £1.00 paid by them in awards less than £0.30 does to the injured victim. There's a reason why these accident management firms are privately owned and don't publish their annual accounts....

How did all this come about, Allen has made some stupid calls here, how has this happened?? Why didn't he just get it fixed under his policy. Why was the bike in storage and why the hire bike if he did not want it.?? Strange. I organise all my stuff and send it to insurance company maybe Australia is different.

Great video guys! Suppose it's 2020 so ppl like to feel powerful by reporting for what I consider urban speak m, sorry you had to deal with it but I understand.

so what was THE point? do this instead of that which is what?

I thought it was my fault it was taken down, I mentioned the content had already been covered in bike mag last month.

Shekels

Had kind of a similar thing with my car accident lady hit my car took it to get repaired and her insurance said yes get a rental car ok upon signing for the agreement the lady at the counter said oh your policy only covers economy car and we have only full sized you will have to pay 20 extra a day. I replied this isn't my insurance paying for it and it's not my problem you want that money you call them and get it I'm just here for the rental. And after I said that she's like ok I'll have to talk to the manager and figure it out 5 minutes later ok here's the keys.

The company i was called and offered all the above was 4th dimension on a no fault claim on my ducati sss939 lucky enough i told them dont want them to take my bike away for a front mudguard to otherside of uk but my insurance company (bikesure said) i will loose my ncb for this year for a claim thats not my fault and became really unhelpful so i turned claim to a report and ended up buying the part for my bike for £200 (because a van overshot the lights then decided to reverse into me while i was waiting at red light) ,,im fully comp and ncb was important to me this year as im a new rider and paying way to much for insurance and needed to build them is there a decent insurance company thats ethical? As its really infuriating that i had to pay for someone elses mistake because it was the cheaper than my excess , im sure this cant be the best way for me to have dealt with this minor claim but the insurance company were so not bothered or helpful , Keep up the good work chaps 👍

I've busy investigating carol Nash as I have caught them in a big con with the salvage of my bike!

This is sickening.

Shackles (misspelled) removed lol

This is why I welcome AI to a degree. You'd be able to ask it to read any document thoroughly as if you had a personal lawyer look through it. But maybe the scams will just get more advanced idk.

do they do this with cars as well?

I don't understand this. Why didn't "Alan" claim through his fully comprehensive insurance policy? You've not explained properly.

I don’t understand why ‘Alan’ didn’t claim on his comprehensive plan? He paid for it didn’t he? How would his insurers stop him?

I had a hire bike alst year and some fucker robbed it ~7 hours before it was supposed to be collected in the morning. cost me £750 excess for the hire bike insurance

can he recommend insurance firms to use?

Motorcycle Accident Management Services etc.......

Well noted!

Was something said that shouldn’t have, and uploaded again with an edit?

Insurance is just a legal racket anyway. Think about it. You pay us for "protection".

I’m lost, I’m from Yorkshire I’m not the fastest haha 😂...if the accident isn’t your fault surely all claims go onto the other parties insurance and if the accident is your fault all claims go onto your own insurance, so hire & storage costs will go to where accident fault is?

Plant ec assist one of them?

With all the crap going on in the world at the moment and you cannot say paralegal 'Male chicken' sausage machines.....who knew! Thanks for the info though.

Thanks for that.

I Guess the insurance company weren't happy lol

I’d like to think, should the worst happen the company 44teeth promote, as insurance for bikers from bikes, will use White Dalton as there legal eagles 💪💪💪👍