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mobil1
Considerably Faster than Yeow!
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Joined: 29 Apr 2010
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PostPosted: Sat Dec 17, 2011 7:28 pm    Post subject: Found this Practical Sports bike FB page Reply with quote

Warning about Hastings Direct
This was from a chap on another forum that I frequent...

Having finally decided to settle and put this whole sorry episode behind me, I feel I am now fully justified in telling everyone who is interested, just how contemptuously Hastings Direct have recently treated me, I am not suggesting Hastings Direct treat all of their customers like this, however, I find it a bit hard to imagine they just thought this up for my case alone..
Allow me to explain.
I was involved in a RTA in March 2011, where I lost control of my bike, at low speed, while approaching temporary lights, resulting in me being thrown into the oncoming traffic and impacting a Luton van and sustaining a list of horrific impact injuries. At this point in time the suspected cause of the accident was road surface contamination.
Unfortunately, I had insured through Hastings Direct.
First, I arrive home after 8 weeks in hospital (5 of which in a coma) to letters from Hastings Direct threatening legal action for my not responding, despite the fact that they had been informed I was in a critical, comatose condition and could be for some time!

But of course, Hastings Direct will only deal with the policy holder, so what information they had been given, was apparently discarded or ignored.

Once the police had closed their investigation and released the bike, Hastings Direct, then authorised a third party to remove my bike from the police storage facility - without my consent - obviously authorising this third party to treat my bike with total disregard, by 'slamming' it down side first, causing yet more damage and transporting it across Scotland, laid on it's side consolidating the destruction.

Please bear in mind at this point, I have still not lodged a claim with Hastings Direct and as such the bike is still mine!

Why didn't I raise a claim? You may ask, well, the answer is simple, after speaking to the attendant police officers and having them describe 'cosmetic damage' and realising that I had my luggage system on board, I decided I wanted to view the bike for myself and have the opportunity to remove my luggage system and it's contents (fortunately for Hastings Direct , the contents amount to a set of waterproofs, a luggage net and a small tool kit - hardly worth mentioning, however, they were still my property).

I then receive a letter from Hastings Direct, stating they have assessed the bike as a write-off, containing an insulting offer of settlement and requesting that I send them my V5, MoT etc.

Important note here – I still haven’t raised a claim!

So, I duly wrote them a letter expressing my concerns and the fact that, I had a luggage system that was not insured and I would like to view the bike myself BEFORE raising a claim.
This was totally ignored by Hastings Direct, who responded by saying that if I did not respond within 21 days they would consider the matter closed.

Then, Hastings Direct took it upon themselves to make my decisions for me. By selling my bike!

So I wrote a letter of complaint to Hastings Direct about my treatment thus far and I also informed them that all correspondence would be via the Royal Mail, that way I would have to pay their grossly inflated 0845 call charges (and I had a note of all correspondence from them).

I then received a letter from Hastings Direct stating that .. “In some cases apologies no matter how sincere are not enough and the only meaningful gift they have to offer me is financial”

Then they follow that up with yet another derisory offer.

At this point sheer desperation leads me to write a lengthy email to them and at the same time bring a solicitor in to aid me. She also expressed her outrage at they way Hastings Direct have treated me and my case so far.

Hastings Direct in coming to form a meaningful financial offer, send me photographs of the bike, after it had been stood out in a yard for at least two months, and then the third party had attempted to reduce it to iron filings and ask me to justify the damage and condition?!

Oh, and of course Hastings Direct made no mention of the luggage system that they had taken and sold without consent.

I then discover from my solicitor, that the 'meaningful gift' is actually the market value of the bike (which I believed was the risk I had paid them to take in the first place, via the policy) minus a host of arbitrary deductions, which turned out to be little more than the original derisory offer made to me, after the bike was illegally sold.
Also Hastings Direct asked me to justify the stolen luggage.
Bearing in mind, I have still not lodged a claim, can you now see where my abject disgust comes from, having to deal with insurers who act with seemingly “criminal” abandon, as well as having to recover from near fatal injuries.
So after a bit of to and fro, between Hastings Direct and my solicitor, Hastings Direct finally up the Meaningful Financial Gift and offer me the market value of the bike and a little bit more for the luggage, which they quite rightly stated wasn’t insured, which was why I never raised a claim in the first place, however, they deducted their excess and a few arbitrary deductions and we get back to the basic market value of the bike – Now what I can’t understand here is, how can they deduct excess when I still even to this very day, have not raised a claim! – we were seeking return of the vehicle or suitable compensation, obviously Hastings Direct retain ‘excess’ from compensation payouts as well.

Ultimately I was advised to settle for this insult as to take it to court, would end up costing more than I would stand to gain by winning the case.

So even when Hastings Direct acted in my opinion illegally and would lose in court, they could still win, how bizarre!

Well, this is all behind me now, so why did I write this? Well in my email to Hastings Direct, I promised that I would write a narrative of the shameful and contemptuous way Hastings Direct have treated me and publish it as widely as possible, so here I am keeping to my word.

Oh and just as a final footnote, to add to injury and insult, Hastings Direct blatantly lied to me! I received a closing letter from one of their complaints operatives, stating that Hastings Direct and the third party both offered to have the luggage system and rack removed and returned to me.They never did and still haven’t.

As I was in a severe state of disability, I was trying to work out a way to get across Scotland and remove this kit for myself, so I would have jumped at this opportunity, had it been offered.

Clearly from this you can see I will never even consider Hastings Direct again but I leave you, the reader, to come to your own conclusions. The saddest aspect of this is that in a few weeks this narrative will be all but forgotten but Hastings Direct will, most likely, still be putting profits over customer service and treating cases like this with utter contempt.

Please feel free to cut and paste this into any motoring based forums or chat rooms, to give people a little bit of information, so they can make a more informed choice before renewing any insurance.
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dan83590
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Joined: 13 Mar 2011
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PostPosted: Sat Dec 17, 2011 8:37 pm    Post subject: Reply with quote

Fuckers! A very similar thing happened to a good friend. Car crash, long coma, a list of operations, his life will never be the same. And also completely fucked over by the services that should have helped.

I have copied that to various forums.
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Teego
Nuisance Caller
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Joined: 14 Mar 2006
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PostPosted: Sun Dec 18, 2011 9:30 am    Post subject: Reply with quote

This is going viral. I'm no fan of Hastings but I don't always believe what I read in the papers.
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dan83590
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PostPosted: Sun Dec 18, 2011 9:40 am    Post subject: Reply with quote

Agreed. There are always two sides to a story.

But...

Vehicle insurance companies seriously need to wake up. Prices are through the roof. They blame us, but look into the trade a bit deeper and you will see that insurance companies 'self fuel' the price hikes by selling our claim details to no win no fee cnuts. A mate of mine has worked in vehicle insurance for many years and his tales open your eyes wide.

Would vehicle insurance be so high if it were not compulsory?
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skyerae
Factory Rider
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Joined: 16 Oct 2010
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Location: The Republic of Scotland
PostPosted: Fri Dec 23, 2011 6:32 pm    Post subject: Reply with quote

I managed to write off a Vauxhall Frontera and suffered a fractured rib and whiplash. I tried to claim off my insurance company (Direct Line) and after a lot of running around and being treated like siht was finally offered a settlement. I still owed two payments and had to pay for the rental of a car - I paid them £20,00 for this privilege. I paid, over the year, more than the car was worth and then paid them £20.00 after writing the car off.

I now realise why people drive around without insurance - definite appeal in the idea. I have now changed insurers and hopefully will not have to file a claim for a very long time.
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joeboy
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Joined: 06 Oct 2007
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Location: Warrington
PostPosted: Sun Dec 25, 2011 12:33 am    Post subject: Reply with quote

I know an old guy who drives big old mercs and lexus's he loves them. he has has about 5 lexi and 2 big old mercs in the the last few years. he rang his insurance just to tell them that someone had bumped his car parked outside his house and drove off but it wasnt that bad that he wanted to claim but it says on his policy that he was to inform them of anything like this.

They loaded him and extra 270 quid on his renewal for reporting the accident.

rolls eyes

In the last 2 years I have found insurances are just taking the piss out of everyone and getting away with it. Mrs joeboy was a named driver on my car and another lady driver changed lanes and hit our car. We were payed out and it was settled as her fault, we got loaded 57 quid for a no fault accident this year.

I think its about time some kind of governing body looked into this piss take and made them tow the line and stop making it up as they go along.
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rob w
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Joined: 26 Jun 2011
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Location: Teesside & Bristol
PostPosted: Fri Jan 06, 2012 9:06 pm    Post subject: Reply with quote

Mobil1 firstly I hope your fit and well, f**k me that's a story and a half

In the early 90's I really crumpled up an exup and rebuilt it myself, I did the same a couple of years later with a zzr11, the stealer said it was 4k of damage!! I did for less than a grand, but you didn't even get the choice!!!

I have never made a claim I always new they would f**k you over but your story is amazing!!! Hastings will never get my business
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Crazy L
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Joined: 14 Jul 2010
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PostPosted: Sun Feb 12, 2012 1:29 pm    Post subject: Reply with quote

Truely shocking mush. Point taken. Hastings Direct finger
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barrybiker
Ear-Plug Cleaner
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Joined: 12 Jun 2012
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Location: ireland
PostPosted: Fri Jun 15, 2012 9:03 pm    Post subject: Reply with quote

i will tell many people to stay away from this company after reading this ....sorry for your trouble and hope it dosent happen to another biker again in the future
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motomallen
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Joined: 24 Sep 2012
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Location: Poole, Dorset
PostPosted: Wed Sep 26, 2012 7:34 pm    Post subject: Reply with quote

Bloody hell that's awful. I wont ever be using them, thanks for the heads-up.
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Mike1000
Technician
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Joined: 07 Oct 2005
Posts: 200
Location: Bromley, South East London
PostPosted: Sat Jan 12, 2013 6:08 pm    Post subject: Reply with quote

Thanks for the heads up - I wont be using them - Ever!!!

I used to be with MCE, I and a friend of mine have both experienced there awful customer services after he had a accident, I ended my policy because they doubled my premium, refused to insure my mods to my ZX12R despite doing it the year before, changing my policy and not informing me and removing funds from my account unlawfully.

My mates story involves them lying, conveniently losing recordings that prove them wrong, unlawfully removing funds from his account and generally not having a clue what they are on about - Don't touch them, f**king useless!
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