Well it has been several months now since my dealings with ING Insurance through Megson Fitzpatrick have concluded so I thought that now would be a good time to share a short version of my story with all of you.
Don't shed a tear over them stating that they are not going to be insuring sport bikes any longer, because if you have an accident it is not always easy to get them to pay out anyway and can even turn into a nightmare, as it did for me.
I used to ride a 2001 Champions Limited Edition R1. In fact, I only owned it for three months before it was stolen along with Digi's (Bieu) 2002 R1 one Thursday night. We had the two bikes chained together and to a cement post. The chains were cut and the bikes were gone, along with the chains and even our bike covers.
Megson Fitzpatrick paid us out for both bikes and I then bought my new 2002 blue R1. Note: My bike was found by the police, relatively undamaged, only the decals and tank protector were sanded off and ING received some of their money back from the sale of the bike after my payout.
In June of 2003 I crashed my 2002 R1. There wasn't a lot of damage to the bike itself (mostly cosmetic), as the most damage was to myself with a broken collarbone. $500 got my bike up and running and back on the road.
I was unsure as to whether or not I should put a claim through on my insurance because Megson advertises "one free accident" and I didn't know if it was worth using on such a minor one. Then, they informed me that they would not be insuring me again next year. Okay, decision made. I submitted the claim, no use saving that "free accident" if they weren't going to insure me again right?
The next series of events I will not go into detail about, however I will say this. ING sent over an adjuster to ask me several questions about my "prior claims history". They advised me that because I had made a claim on my HOME insurance several years ago for a car break in and because I had also been involved in an accident that ICBC had deemed me 100% not at fault for, that because I had put "no prior claims" on my form for prior history when signing up for insurance for them that my insurance in fact was not valid with them and they would not be processing my claim. Excuse me? Because I have a claim on my house insurance and because I had a not at fault accident, I couldn't make a claim on my motorcycle insurance that I had been paying for 2 1/2 years?? You have to be kidding me!!
I work for a law firm so I sought some legal advice. After several letters back and forth, phone calls and whatnot, eventually ING put the claim through and fixed the bike. However, they only did that when my lawyers and myself started mentioning taking them to Court over the matter. Gee, what a nice company ING is, they won't ever be getting any business from me again. I would also ask you to consider whether it is worth it for you to give them yours.