Cycle Sure SUCKS.

[Jacques Minnaar]

Hi Guys,

 

Im in exactly the same position as you warned the rest.

 

Please stand with me as I am putting a very strong case forward.

 

Please have all your facts and truths in place.

 

I have the money and the time to take this case forward to the Ohmudsman and who ever it takes to have us clients to insurance companies treated with respect and honor our claims.

 

I also have Trek US and Trek SA supporting me, the more the better result.

 

Please see halo peter link for a starter: http://www.hellopete...are-used-856759

 

hope you guys are in one oat with me in this journey if you feel you were treated unfairly

[(Deon)]

Could it be the same Fred Henning from 2010? Is that what you are saying??

 

He's still turning down claims, only difference now is he's qualified in materials wear and tear.. what next??

 

Good luck Jacques Minnaar

[Nettie R]

...

I have the money and the time to take this case forward to the Ohmudsman...

No need for cash, a complaint at the ombudsman is free. What you'll need loads of, is patience.

[Eugene]

I know that this is not quite a R50 000 bike. I was stupid enough to have left my front wheel propped up against my car on the pavement in front of my house. I drove off to a race without even thinking about it. When I got back, somebody had taken it.

 

Santam replaced the whole wheelset without even blinking. Based on what this thread is about, Santam could have refused the claim as the wheel lay on my pavement because of my own negligence. It may have been different on a R50 000 bike, but I have never had an inch of trouble with Santam and they are by far the cheapest,

[Swift01]

I have chatted on email to cyclesure on several accasions about theft of bikes etc. I even asked about what happens if one has to go to the toilet like when your waiting in the start chute and your bike is taken while you are at the toilet. Their answer is they won't pay out. I also asked what happens if I was at say Van Gaalens having a coffee after riding and my bike is in the bike racks about 10m away and someone takes it. They said they won't pay out. Basically you have to have it chained at all times is what I get from them. Plus not any old chain you must use their specified chains/locks/cables.

 

Hope you come right.

 

@ Eugene A mate did the same with his one wheel. He only noticed the next day there was not 2 wheels next to his bike in the garage. Got the security guard to search around and he found it 2 houses down. It was against his car and when he drove it into the garage it just rolled down the driveway :-)

[Keep Pedaling]

Insurers do this for a reason. The reason is that if you accept claims without forced entry claims go through the roof from people who 'just want a new bike'. There are enough dishonest people out there that insurers need to have clauses like this to protect them.

 

Always read your policy properly. If you don't understand something, ask your broker.

 

If you don't - its like buying a car and then crying a river when you discover that it does not include free petrol.

[BLACKvoodoo]

too long... didn't read it...

[Swift01]

Every year cyclesure tightens their policies on theft due to dishonest people and the crime in this country, thats why like this last time I updated the policy, locked the bike on the car and sent photo's of the locks and the cable to cyclesure to make sure they were happy with my solution. Sometimes it is hard to lock your bike on the back of a bakkie especially if the hooks in the back can't fit the required size of cable. Thay approved my method.

[Stretch]

so just keep a chain that has been cut in your car at all times....

[Jacques Minnaar]

I agree with you. Read your policy, but also what if you had an accident and the you claim for your frame which cracked? Different story.

 

Wear and tear is not on the shelve for that one.

[Jacques Minnaar]

You havent claimed yet. They didnt approve my crash which cracked my frame.

Surely the terminology is accident and not wear and tear. As far as i am concerned

[Jacques Minnaar]

I agree. Its like someone read my comment and didnt understand. I crashed my bike and claim for the crack on my frame. Common logic says its accident, not wear and tear

[Akon]

Insurers do this for a reason. The reason is that if you accept claims without forced entry claims go through the roof from people who 'just want a new bike'. There are enough dishonest people out there that insurers need to have clauses like this to protect them.

 

Always read your policy properly. If you don't understand something, ask your broker.

 

If you don't - its like buying a car and then crying a river when you discover that it does not include free petrol.

 

Yes, I think a lot of commentators don't really understand how insurance works: (Splitting hairs, but) by and large, all the insured shares in the risk, not the insurer. The latter is just the intermediary that poold and assesses the risk, add a loading for expenses (& profit!) and determine the premium from that. Hence, it's claim policy needs to follow the underwriting policy and contractual stipulations.

 

On a similar note (don't know whether it is urban legend, I share it anecdotally). Apparantly far more RayBans get stolen in South Africa, than sold

 

Similar to the number of people that so happened to have had an expensive set of golf clubs in the boot, when the car got stolen...