To put anyone in l�embarras and do not deceive me in chronicling events in d�autres, I will talk d�un concern that j�ai met personally, but that is in my view revealing d�une practice in vogue at the moment. But d�abord, a little d�histoire:
J�AI my motorcycle from the 23.05.1990 licence. My first two years d�assuré in Club 14 end by the theft of my 750 Super Ténéré and a discussion for the less strident with the head d�agence, I l�ai not, understand suspected me of "autovolé m�être!" Unnecessary therefore to contact this gentleman at the time d�assurer the alternate because it n�avait not want to extend our commercial relationship.
I directs me then with the mouth towards insurance Moto Verte. Well known and listed of the motorcycle by the mid-1990s. Therefore, I leave more this company whatsoever under the name d� "WAA" or "Yamaha insurance", the two marks have linked their fates for their common customers. 1999, a charming lady at all except to lead makes me turn with it in his home (I want to go there, I knew the same not this lady!) Finding of police, the harm to her, the pain to my passenger and me.
From 1999 to 2003, the gods of the m�épargnent road. 2004, dating back a line of cars on the ajaccienne road, a pressed girl decides to cut the line white and m�emmener on the parking� minimal damage car and motorcycle, torts 50-50.
May 1, 2005, c�est for me the sad day of the "Fastfreddy, lunchbox." Let's not go back on the circumstances of l�accident, they were largely entertained you. In the fall, the bike suffers, the driver more.
C�EST to l�achat second d�une machine that I intended to travel in duo, a Deauville 650 of 1999, that things go wrong all of a sudden. I therefore contacted my insurance to their machine and passengers, and there, stupefaction!
Can (wants to) more m�assurer because I am "responsible" of two accidents in less than 36 months, 1 50-50 and the 2nd 100%. Before my misunderstanding, and after a few conversations (always courteous and friendly note the), the final proposal which made m�est leaves me speechless: L�on agrees to m�assurer the Deauville to the third party only if I sell the Tuono within 30 days and for the sum of 750 euro! After politely declined the proposed commercial gesture (because more it s�agissait d�une "flower"), I have asked myself a thousand questions:
-How can we be so denied by insurance?
-By what right you would impose on sell your motorcycle to another?
-Am I less "dangerous" in Deauville qu�en Tuono?
-What are the mathematical criteria that fit into account?
-Where is the human test in all of this?
So we are more than numbers and stats that fit into boxes previously established by "strategists of the risk", "road d�échecs" which, once their base set scholarly calculations don't care much whether or not human l�être which is behind these figures is a long time clientan avid biker or know its annual mileage average.
No, this important little now. Game of buy-outs and mergers, it often loses his soul. Wire d�Ariane, too stretched by the imperatives of results as requested by concerned shareholders of profitability, eventually break. The initial motivation disappears, and specialized (in the moto), it becomes a specialist (of finance).
I l�idée say qu�il s�agit there d�un unique and isolated cases. Unfortunately not. This is true in almost all areas of our modern society. This which makes it me more unbearable, c�est motorcycle, originally practiced by enthusiasts, suffers aujourd�hui of l�amalgame already known in the statistics of "two wheels" all combined displacements.
Indeed, the increasing number of scooters and other 125cc motorcycles available with a simple licence B over two years participates in return l�image d�une accident patterns increased in "biker" in failing to consider not l�augmentation of the Park rolling or by minimizing it to the moins�
At the crucial moment to choose who should your protection, assistance and compensation, so take the time to reflection and ask yourself the right questions:
-Your home, auto contracts, your complementary health/retirement, or even your life insurance are in l�agent d�assurance X or Y in your neighbourhood? Therefore request a quote for your motorcycle, may l�ensemble of the contracts allow you d�obtenir a rate more qu�intéressant. C�EST d�ailleurs as that j�ai could provide the Deauville 472 euro per year all risks!
-You have several insurers? Play competition and know that d�assurance to insurance, there are transfer forms to "instantly" switch your l�un to l�autre contracts.
-You choose the human contact? Avoid the insurers do not have a local d�agence.
-You want to talk to concerned people and the realities of practice motorcycle? The mutual of motorcycle is aujourd�hui agency partner of risk because as its l�indique name reference, the risks are shared between the members. Pas d�actionnaires, not capital, step of profit! Volunteer directors (elected by the members) are listening to you and their advice will be invaluable.
They are certainly in the latter that I confierais as soon as possible my motorcycle interest. Tired of n�être not profitable for my current insurance client qu�un, I would therefore at the foot of the letter their commercial slogan. Me too so I'll "change d�air".
Sincerely yours:
Fastfreddy
(Automated translation with microsoft BING)
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4 votes
(not translated yet) Edito Avril 2011: « lairduncon »
