A rant about People who moan when don't understand insurance

[Gazza's Fat Mate]

I was watching the news this morning and this chap was moaing because he had to pay £25,000 to recover his son following a moped crash in Thiland. He was moaning beacuse the insurance company's policy terms and condation mean't that cover was not inforce if the loss arose from an accident involing a moped if the policy holder didn't have a full uk bike liecince.

Now when you take out insurnance as with any insurance there are limits to cover and excluisons eg my car insurance is void if I take part in a race legal or otherwise. So why the fuck do people moan when insurance compaines say well beacuse you will taking part in that sport which is clearly stated as not being covered in and terms and conditions do they fucking moan about it. You agreeed to these terms when you entered into the contract it's not the insusers fault if you are to thick to read them/understand them.

The chap on the news said that it was unfair and unclear the insusers countered by showing a copy of the polciy docs which had a huge section of excluesion clear as day. Fucking stuipd cunt.

I appercaite that insurance is my job so I know more that most but come surely it is common sense to check what you are getting into, what covered etc. REALLY WINDS ME UP AND TO MAKE IT WORSE THESE THICKOOOOS ARE THE ONE WHO PAY ME FOR ADVICE ARRRRRRRRRRRRRRR

[Simon Pieman]

Too right GFM, I can't believe people often don't read the small print. Although it is boring and sometimes a lot to take in, and many people get put off by the legal jargon aspect of it (although that's a myth it's all written in plain English). Saying that, companies sometimes try and use the t&cs/legal agreement line to confuse people out of their rights.

I had a free trial with a credit check type thing a while back which , if I cancelled within a 30-day period I would not be charged the annual subscription.

On the last day of that 30 day period I phoned up and cancelled and as far as I was concerned it went through fine. However, when I checked my bank statement the amount for the subscription had been taken out. I phoned up the company and they told me that payment could be taken out in the final few days as per the terms and conditions and I was not entitled to a refund. They even told me if I looked at the t&cs I would see this. I'd already read and re-read the t&cs beforehand so I knew it was bullshit, but I hung up and read them again. It stated in the t&cs that if I was charged I was entitled to a full refund as long as I had cancelled in the 30 day trial.

Phoned them up again and asked for a refund and got the same bullshit. I then asked if they could refer me to the paragraph which stated I couldn't get a refund and they caved in and gave me a refund as a 'gesture of goodwill'. I wonder how many people have been duped though...

[Bushey Boy]

Its bad when you do not read teh T s and Cs! I find it hard to believe people get mugged on holiday and lose there cash card and have no money for a 2 week holiday, oh shit thats GFM!

[Gazza's Fat Mate]

I was 16! and it turns out that even if I did have insurance it wouldn't have covered what happened has I/ we were pissed!

Don't start on that subject because if I remmber rightly it was me who came back and tired a one man fight back!

[leefer]

Agree Gazza but there is a BUT.....Banks and insurance companys have an amazing amount of small print which is printed to suit them...thats fair enough but in this case this poor bloke has a severly injured son who didnt read the smallprint on the insurance...my daughter went to Moscow for a week,i didnt read the smallprint so if she had an UNUSUAL accident this for the grace of god could have been me.....i feel this was a case for the insurers to help this guy out abit as these kind of accidents are very rare.

[Gazza's Fat Mate]

Agree Gazza but there is a BUT.....Banks and insurance companys have an amazing amount of small print which is printed to suit them...thats fair enough but in this case this poor bloke has a severly injured son who didnt read the smallprint on the insurance...my daughter went to Moscow for a week,i didnt read the smallprint so if she had an UNUSUAL accident this for the grace of god could have been me.....i feel this was a case for the insurers to help this guy out abit as these kind of accidents are very rare.

why the fuck should a private company help?

the best way to think of insurance is to think of it like gambling. You pay the bookies your stake, you pay the insruance company you polciy fee. If your horse comes in then the bookies give you your money. If you have a claim then the insurance company give you your money. If you lose your bet then the bookies get your money. If you don't have to claim then the insurance company keep your money. BUT....... both have rules and terms etc. eg Bookies your bet on football is only for 90 min results unless otherwise stated. Your car insurance is only vaild if you have an mot.

Know what you ask the bookies to give your money back on swindon winning one nil (aet) when you has bet on one nil???arfter all it was the result and you were pretrty close

[BANGKOK RED]

I'd have thought it quite self explanatory myself: No licence = no payment.

I don't need a licence to drive in Thailand because slipping 200 baht to a copper will settle the matter. However I got a licence for the sole reason that should I have an accident then I want to qualify for a claim.

Now I don't have a UK licence, but do have a Thai licence and so what did this guy do? Go on holiday and get a Thai licence? I doubt it VERY much. And without a UK licence he could not possibly have had an international licence. And so to cut one short.......... He was driving without a licence (Illegally) and expects the insurance Co. to cough up.... Jog on mate.

I am with GFM here, and I don't even think that small print comes into it.

[leefer]

So if this guy had no family would he be left to die?...of course hes a muppet for doing wat he did but we all do silly things,ive climbed lamp,posts on holiday when pissed which is very muppetish...good word eh,if ide fallen and broke my neck would the smallprint be shoved in my face Gazza.ware would your company stand,ime not being argumentative mate ime just asking.

[BANGKOK RED]

Actually, in Thailand he would not be allowed to die as even the private hospitals tend to treat them first and ask questions later.

But again, how could anybody driving without a licence expect to be covered for insurance? It's not rocket science............. hence the reason that I got a licence despite being able to bribe my way out of trouble for not having one.

[leefer]

OK  RED...but this guy didnt so WHO does pick up the bill,my answer is morally the insurance company could have on this rare occasion,we are all going to have kids who do silly things and i feel for the father whos picking up the bill....only my opinion.

[BANGKOK RED]

It's not a rare occasion though Leefer. It happens to Brits (And other nationalities) all the time all over the world.

I have seen a fair part of the world and tourists who have hired a moped or whatever, and then jump on it without a licence and fallen off are a common site. This is not a rare case at all, it's just that his family have kicked up a fuss about it and if the insurance Co. paid up on this then they would have to pay up on thousands of similar cases every year.

Morally........ NO, the insurance Co. should NOT have to pay out. If that was the case then I would opt for a lower grade policy and should I not be covered then I would call the moral card....

[Simon Pieman]

If insurance companies paid out in these eventualities then the premiums would go up for everyone and everyone would moan

[leefer]

Fair enough....ime not an expert and to be honest this thread will make me read the small print in future so thanks to you both!!!...especially when my daughter goes to Russia again.

[Sussex]

I saw this also. I think the point he was trying to make was he took out the most comprehensive insurance possible. In the small print apparently sky diving was covered but if you got injured playing football you're not. Bit of a strange one. But if you haven't got the proper licence, thems the breaks.

£25k to fly your son home has got to be a bit of bugger though.

[leefer]

Specially economy class!