Don't become a Bennetts Motorbike Insurance cash cow!

I have been inspired to create this website based on my own personal 'VERY BAD' experience of closing my motorbike insurance policy with Bennetts Motorbike Insurance which ended up with me being £120 out of pocket and being treated in what I consider an extremely impolite and aggressive manner by Bennetts Insurance.

When I Googled "Bennetts insurance complaints" to see if anybody had suffered a similar fate to me, I discovered sprinkled across forums and blogs many individuals who have had similar experiences when closing their motorbike insurance policies with Bennetts.

This site is a compilation of these experiences gathered under one roof, for every complaint I have added to this site I could find 10 others, unfortunately I have not the time to add them all. If you have had an experience like this with Bennetts Insurance, drop me an email and I will be happy to add your comments

Bennetts, It is commercial suicide to upset a group of Bikers!!!

I called Bennetts Customer Services (!) to ask, in advance, if there would be any adverse effect in replacing my elderly, and cracked, exhaust - the OEM part is virtually unobtainable nowadays.

Rather than answering the question, Miar kindly informed me that I should advise them when the "modification" had been carried out and, of course, I would pay £32 for the privilege (an "administration fee")!

My four other bikes are insured with Bikesure.....guess what is going to happen at renewal?

(It is commercial suicide to upset a group of Bikers.)

Tim, July 2016

Bennetts are straight up crooks

My final payment had gone and I had sold my old bike to another restorer, so cancelled my Direct Debit and rang this bunch of thieves to cancel auto renewal and policy.

"You will pay a cancellation fee sir of £60”. No I won't! I said my policy is paid up and has less than a month to run, leave it running and don't renew it. "you cant do that sir you have told me you don't have it and if someone claims it will come off you NCD". I said they will have a job its in a thousand bits! and I still ain't paying!!

Refused to give me her name, why?

I’ll see em in court I suppose. I love a good scrap!


Steve, July 2016

Terrible Bennetts Insurance

I never ever had such a bad experience with any kind of insurance as with bennetts. Maybe they are the cheapest but I am not amazed. ALWAYS CHECK FOR SMALL PRINT FOR AUTO RENEW because is there somewhere when you make insurance with them. This should be banned from every single contract. I would call this cheating. They should call when the renewing is about.

And if you never get the proof of your sale from dvla bennetts will make you pay till end of your life for your bike insurance. Hate it. NEVER AGAIN !!! This probably anyway won't be published as they only publish good reviews.

Blasiou, July 2016

F*#@ Bennetts insurance! Scheming, lying set of c*@$#!

I've been a policy owner with Bennetts two years running and they seemed a good company at first impressions, however on my third year I was at my girlfriends and my bike was stolen on that weekend, (3 weeks ago) and due to the collapse of my life I can't even afford credit to call them and when I tried on the home phone they answered 1st time saying "the cost of the repairs exceeded the value of the bike" with its rarity it was worth decent money for it been a "moped" "scooter" or even called a "hairdryer" yet it hasn't been recovered and they lie through there teeth to keep your money and get snippy when you try and reason why you won't get a penny, I'm only 23 and this is my first claim, I honestly don't know what's worse, my bike been stolen or this set of lowlives stealing money out of my wages every month knowing it's a con and when you have nothing you literally have nothing. I honestly hope any young people who take a policy out for their first scooter I hope they read this before they start a policy with them, I know Swinton is more but they look after you, please don't use them!

Anthony, June 2016

I cannot recommend Bennetts to anyone

After one year with Bennetts, they tried to implement automatic renewal at nearly twice last years premium... I contacted them took details of their admin person for my records (first name and extension number) and confirmed to them that it was not to be automatically renewed and I will use the renewal documents to get cover elsewhere. I have lots of quotes from Go Compare all cheaper, most by 50% !!

I cannot recommend Bennetts to anyone.

Neil from Cheshire


Bennetts treatment of customers:

I’d not reported a non fault accident, and they got wind of this somehow, and wrote to me but had the dates completely wrong.

When I called them they were most insistent that I gave them all the information, not sure why, they were no fault accidents settled in full by the 3rd party insurer.

After a few phone calls I acquired all the info on the insurers letter headed docs and emailed them to the address on the Bennetts letter.

The email was received by them as it was not returned undelivered.

On the 27th november I received a letter telling me they’d cancelled my policy 2 days before!!!!!!

When I called them they claimed not to have received the emailed documents and so cancelled my policy.

They also claimed to have sent out a last warning letter a week before....... They didn’t.

I’d been riding for 2 days UNINSURED AND UNAWARE!!!!!!!

They said they could not reinstate the policy, but could start another one.

(Previous cost £180/year)

Because I’d declared some NON FAULT claims, the new price was £420!!!!!!!!


So, I went on money supermarket and gave all the details, all the claims and got a price of £174! Not bad, but wait for it.......the 2nd best price was.....Yes you guessed it..... Bennetts!!!!!!

Online they only wanted £179!!!!!

Please, for the love of god, give these piss takers the royal order of the boot.


Yours in unbelief,

Joe, Swindon, December 2015


Took out an insurance policy with Bennetts Biking Services Ltd..... did it online and paid with my debit card. They wanted proof of NCB sending through, which I did by email (one of the methods accepted).

Got a return email saying thank you, it is being 'processed' and to ignore any letters in the meantime.

Got a letter a couple of days ago saying if I don't send proof of No Claims Discount they will be charging me an extra £105-31 plus a 'policy amendment fee' of £32, so I ignored it as advised as I had not had any further response from the NCD department.

This morning, at 7.35am (yup, on a Sunday morning) I received a email from Bennets '....thanking me for upgrading my policy.....' and '....Following your recent request to make an amendment to your policy, your new insurance certificate, policy schedule and Statement of Fact detailing any changes that apply can be found attached......'

I have had no letter or email refusing my proof of NCB

I have had no letter or email informing me that they WILL be taking £137.31 from my bank account.

I have made no .....'request to make an amendment to my policy'.....

I HAVE CERTAINLY NOT GIVEN MY PERMISSION for Bennetts to take any money from my account.......but they have.

Paul Dimaline, August 2015

Why didn't I find this site before I took out a policy with Bennetts!

I had bike insurance with Bennetts for a year, never needed to use it and as it had been easy and cheap to insure I renewed. But a few months after renewing, I had a change of circumstances and no longer needed bike insurance, so called to cancel. All very polite on the phone, 'yes that's fine to cancel, but there will be a balance to pay', 'but I've only had the policy for 2 months and paid monthly direct debit, what's the balance?', '£57', 'eh?', 'theres a £50 cancellation fee'. Let's just say a few expletives came out. I will never use Bennetts again.

Mike, July 2015

Terrible renewals at Bennetts

I wanted to warn people about the terrible renewals at Bennetts. I have a classic Honda which has been on the "auto-renewal" with Bennetts for a few years. I noticed in the renewal notice that the premium had doubled so contacted them to cancel the renewal. All good so far. But as a precaution, I also cancelled the direct debit after the final month collection date.

I then started getting letters from Bennetts stating that they had failed to collect my premium! So I contacted them again and explained I had cancelled the auto-renewal, and they said no, the auto-renewal had successfully occurred! I said no, it was cancelled and I had cancelled the direct debit. They then tried to convince me that I had cancelled the auto-renewal too late (I cancelled 6 days before the end date). I said that nobody told me that on my last call, so as far as I was concerned the policy did not renew. Their response was that it did renew and I would have to cancel the policy if I wanted it to end!! I said as far as I was concerned the matter was over.

I then got several letters from Bennetts claiming I owed the policy cancellation fee and the monthly premium for which the auto-renewed policy went into!! I emailed and posted a letter explaining the issue, to which no response was ever received. I ignored it hoping they would come to their senses.

But no, I then started receiving calls and texts, several a week, from C.A.R.S. (tel no 01256 306972, in Basingstoke). They claimed to be the "debt collectors" for Bennetts. I tried to explain the situation and told them to speak with Bennetts. They claimed they could not as it had been handed to them now and they were nothing to do with Bennetts. They claimed I owed about £70. I told them the entire previous year's policy was only £90 and that it was fully paid up and if they did not stop I would take legal action again them.

I sent a letter of complaint to Bennetts (very strongly worded!) and heard nothing for weeks. C.A.R.S. finally stopped texting after two more months. I then received a random letter from Bennetts warning me of riding uninsured! I have been completely disgusted by Bennetts and heard nothing for a few months until I received an email this week saying they have been bought by Saga the over 50s people. But I need not worry, my policy is unaffected and I need do nothing!!!! Hopeless....

David in Bournemouth, July 2015

Bennetts Classic Motor Bike Insurance tried to rip me off!

This is how Bennetts Classic Motor Bike Insurance tried to rip me off:

Last year I bought Comprehensive Motorbike Insurance for my classic 1981 Kawasaki GPZ1100 from Bennetts Bike Insurance for £101.07 Pounds Sterling. I thought that was reasonable for a motor bike that I didn’t even ride once during this period. Anyway the bike insurance was going to end 1st July 2015. So Bennetts sent me an Automatic Renewals Proposal which I received yesterday.

This time the premium was for £1133.56 Pounds, an increase of more than 1000%.

I did not make a claim or have an accident, I didn’t even ride the bike once this past year, it was locked away in my garage all this time, why then 1000% increase in my premium, other than they are trying to rip me off. What a way to keep good customers.

So I called up Bennetts and cancelled my renewal. The woman I spoke to did not sound apologetic at all, but sounded she was doing me a favour by cancelling my renewal.

Then I went on line and found another insurance company and insured the bike for £82.08 Pounds, even cheaper than Bennetts before they tried to rip me off.

I was hoping it was a mistake before I spoke to them on the phone today, but it was no mistake. I am still very angry. I almost did not open the envelop thinking the renewal was going to be almost the same as last year, good thing I did, for a while I thought they were giving me the value of the bike before realising it was the insurance quote!

I really can not understand people like these, instead of wanting to keep good customers by quoting the same or lower amount than the year before they think to them self’s that he is with us so lets screw him for as much as we can get away with.

Here is the latest with these low life insurance scam artists “Bennetts”:

Despite calling Bennetts two times on the phone and emailing them twice that I do not want their insurance to renew for another year and being assured on the phone that they will not renew the insurance, by the way, I never got a reply to my emails!

Despite their promise they tried to renew!!! if it wasn’t for my credit limit on my credit card it would have gone through, see letter they sent me. They would have then charged me for cancelling. These low life basterds are the scum of earth. They should not be allowed to scam people like this. Is this how they make their money, by ripping people off? Bennetts are dishonest with shady business practices.

I had no idea Bennetts operated like this.

Something has to be done with the insurance industry. Government isn’t interested, more the insurance companies charge us more the government gets in taxes, its win-win for them and loose-loose for us slaves! When I phoned up Bennetts to cancel, they kept asking me questions like do you keep the bike garaged over night?, How many miles do you drive per year? I said why do you ask things like that? I am cancelling and she says she knows, but we have to ask!Now I understand why she was asking as they had no intention of cancelling but were going to renew and charge me on the sly! Bennetts are a real low life basterds.

I would have had more respect for them if they sent some one around to my house to rob me in person and rape my wife while they were at it! Not the dirty underhanded way they tried to do me. I am so happy that my credit card was not authorised, otherwise I would have been out of pocket by a Thousand! I feel sorry for the people who have to make a claim from Bennetts, they will never get their money.

I am now signed up with Footman James, fully comp for £82.08 Pounds, let’s hope these people behave for next years renewal.

Bennetts Motorbike Insurance Complaints

Click to enlarge

Bijan, July 2015

Lucky escape from Bennetts!

Have you any bike insurance companies you can recommend, I had thought I found one with Bennetts!

Jim, July 2015


Ok, this happened very recently on the 26th of May 2015.

I was out on my CB1000R trapping through the lanes of sunny Cheshire riding through a blind right hand bend governed by double white lines and a 40mph speed limit.

Unfortunately for me approaching was an 18 ton LGV aggrigate mover loaded with loose bricks which were unsheeted and insecure, as we both went through our respective bends the load moved and shed bricks, most hitting the road, one hitting my bike and one hitting the car in front. As one can imagine i wasnt best pleased and exicuted a U turn where i was forced to place myself in front of the LGV to get him to stop, not the best practice but needs must.

So details exchanged, damage noted and photographed, ( my estimate value to be no more than £200 and half an hr to fit, something i could myself easily )cops potted the driver and i made the dreaded call to Bennetts, in 30 plus years of motoring car and bike i have never made a claim, never ever.

I spoke to Bennetts who recorded the circs then i was put through to their associated partners 4TH Dimensions, their approved repairers, they have a nice website which boasts their no nonsense approach to quick easy repairs in their vast company and large workforce. They recorded the circs and said they will follow up the claim/repair and send me a replacement bike and that i'd have mine back in 2 weeks, all good.

A bike arrives at £108 per day which isn’t cheap, 2 working days later after the day they took my bike i had no contact so i rang 4TH, they said its not been looked at even though they have had it 2 days and someone would be in touch with an engineers assessment by the end of the week, 7 working days later and £700 plus rental fees later. At this point i found that once thats been appraised they contact the 3rd party to come and do their own assessment which can take upto 2 weeks, once thats done another week and i'll get the bike back, so 4 weeks bike rental plus repairs plus labour plus whatever 4TH add on we are taking easily in excess of £3000 for a £200 repair !!

Well i saw my backside, i felt it was totally unacceptable mainly loosing my bike for a month and a bill well in excess for what it should be. I then established the call was recorded, i then removed my authority for them to carry out any repairs and requested my bike back untouched and unrepaired. They were a little taken aback and threw in the rental fees which i said will be delt with via me and Bennetts ( ive not used it and now dont intend too ). I was then told the logistics will be in touch to arrange repatreation tomorrow. Well tomorrow came and by lunch i was on the phone, i eventually found i was due the bike on Friday.

I then contacted the third party owners where i spoke to their transport manager, he was astounded at the fees involved and offers to pay for the bike themselves which is legal, understandable and best practice, this is agreement with his insurers.

In the past week i have had 3 calls fom Bennetts asking if i was injured or am suffering any effects from the incident, i then asked them to record the fact that i am suffering mental torcher due to having to deal with Bennetts and 4TH, the caller assured me it was recorded on my file at my request.

My bike arrived back, not touched if a little dusty, whoever rode it last didn’t clear the tail as there was a nice boot mark on the offside seat fairing. My local Honda dealer ordered the parts for just under £160 which ive just fitted myself, the bike is back to new. No contact from Bennetts or 4TH.

My next dilemma will be at renewal, as far as im concerned ive had no claim, i dread the outcome …

Rob, June 2015


1) Took out insurance with Bennets.
2) Renewal time came and bennets automoticaly took my money and insured me. Something I was not happy about.
3) I called Bennets to make sure this did not happen again.
4) It happened again taking my money 6 days before my renewal date even though I had arranged insurance elswear and had it agreed that it would not happen.
5) I called for refund - refund was agreed within 7 to 10 days.
6) No refund received, called up again to be told I ‘should get it; between 7 and 14 days.

Philip, June 2015

We hope that you would consider Bennetts again, er No!

I had bike insurance with Bennetts Insurance and decided not to have it renewed, mainly as I am short of money so contacted them and received the reply below.

"We would like to take this opportunity to thank you for your custom. We hope that you would consider Bennetts again when you renew next year."

Despite this, 3 weeks later they have taken the money from my credit card (which I now cannot pay) and, from my call to them today, are refusing to refund it.

M C, June 2015

Too Late - If only I saw your site earlier!

I called Bennetts Insurance to change my bike details as I picked up a new one from the garage. I was on my mobile with the premium number for 15 minutes while some untrained moron picked through my details - only to get them wrong - put me on hold and go through the whole thing again. I asked them to call me back but they said they could not.

I received the docs to my email next day - only to find they were wrong...AGAIN!!!!!. Another 15 minutes on the phone, only to be put on hold halfway through the call he kept asking me the same questions and repeating the same info to me.....maybe its a scam to keep the pennies up on the premium call. I got charged £30 for changing my bike details, seems a lot for 'admin' fees - when it only cost my car £14 with another insurance.

So much for customer service....when you first call you go through a automated question & answer session and then you get the same interrogation from some moron with no training, who has not idea what a motorbike is.

At end of call you get the option to give your opinion on what the service is like. Automated again. ...You try and give less then 6 on 0-9, 9 being high. I tried 0 to 6 and it keeps repeating the question. If I said a higher number no doubt they would of liked that, no chance. I hung up.

Only 200 days to go and I am not going to give them the benefit of the cancelation fee. Hope nothing happens as I can see it would be a bitch to try and get anything out of them.

So in my opinion = Don't use Bennetts...overrated hype...So F... YOU Bennetts. I wont be renewing with you at renewal time, any if anyone else is thinking bike insurance. Don't use unprofessional insurance companies.

Rod, June 2015

A lucky escape!

Thanks, after waiting on the phone for Bennetts to answer I found your website and you changed my mind.

Nick, June 2015

Bennetts Insurance 'what a horrible experience'

I phoned Bennetts to change my address 30 days from the end of my policy and was told I would be charged £30, I asked why? Bennetts asked if I had ever heard of an amendment fee! When I said fine I will just cancel I was told my call was recorded and I would be reported, when I asked why I was being blackmailed by Bennetts into paying a £30 charge I was just repeatedly asked for my card number. When I said fine I will pay but I have to give a survey at the end of the call, I will remember what was said, I got cut off at the end of the call. Hmmmm will I be renewing on May 31st? Err no. What a horrible experience, I will never recommend them to anyone in fact I will go out of my way to tell everyone what a bunch of tosspots they are. I hope they go bust.

Simon, April 2015

Time to vent about Bennetts

Bennetts swapped my bike insurance to a new bike last year, left my old bike insured (which I didn’t want) and charged me for it. They left the value of my old bike on the policy not my new one. Had to make a claim now they are offering me £1400 max for a £4000 bike because of an admin error!

Off to Carol Nash next time, wish I had found this site last year.

Jon, April 2015

Bennetts renewals

Just had my renewal notice from Bennetts only to find my insurance had jumped from £130 per annum to £446.00 for the same cover.

When I studied the renewal notice they had only sent me 1 year no claims instead of the 7 yrs I actually had and was entitled too!

Checked the web for better insurance and got £102!

Stephen, March 2015

Bennetts just hung up on me!

I have been with Bennetts for 3 years now and I renewed my insurance with them again this year, 2 months later I received a cancellation letter for not disclosing a car claim by LV insurance on 28/02/13. This was not me but my son who had a accident, I then a tried to explain this to them as we have the same name and stay at the same address. Bennetts were very unhelpful and didn't want to listen and I ended up so angry, I wasn't swearing or anything but said I was very angry with them. Bennetts wanted me to send them a letter of proof that it was my son and not me and I also had to send them proof of who I was insured with at the time in writing from both insurance companies but I only had 5 days to do this and as you know it takes at least a few days to come through and then for me to send it to them for them to investigate it, so my policy would be cancelled by then. It would only take Bennetts 10 minutes to phone the two companies to sort it out but they said it's not their policy to do so. I then wanted to speak to a manager and a complaints department but I was told there isn't any manager or complaints department and then he just hang up on me. After spending 2 hours phoning the other insurance companies just not to be listened to or any help from Bennetts at all. I will never be going to them ever again never!

Alex, May 2014

Then the arguing & shouting started, and that was from them!!

I took out insurance with Bennetts and all was good for a claim free year. When it came to renew I found cheaper insurance with another provider so I phoned Bennetts and cancelled the auto renew (which I might add I never signed up to). So thinking everything was sorted, I carried on as normal. The following month Bennetts tried to take money from my account for another terms policy. I rang up and cancelled the transaction and rang Bennetts to see what was going on.

Bennetts say they have no record of my cancellation call and that I had auto signed up for a further year and I would have to pay to cancel it. I thought this was crazy so I said I wouldn't be paying to cancel something I didn't want and phoned up to say I didn't want. Then the arguing and shouting started, and that was from them to my surprise! I put the phone down as there was no reasoning with them. Now they have contracted a debt recovery company to recover the cancellation fee. I wish them good luck with that. To be continued..........

Bradley, April 2014

Badly treated by Bennetts

I have recently cancelled my Bennetts motorcycle policy. About 2 months ago i bought a CBR 250 which was not my cup of tea. This i insured with Bennetts. I traded this bike in 4 weeks ago for a FIREBLADE. Whilst at the dealer i contacted Bennetts who transfered the old policy onto the BLADE. They told me they would send confirmation by post.


I would be paying monthly for the policy and expected a reasonable increase. I went on holiday for 2 weeks and on returning home found the paperwork from Bennetts. They wanted £400 per year spread over ten more payments. This is nearly 4 TIMES MORE THAN I HAVE JUST RE INSURED IT FOR WITH INSURE BIKE INSURANCE.


I have now cancelled the policy and Bennetts are demanding £30 doc fees and £109 cancellation fees. I have been with Bennetts for 9 YEARS and this is how they treat you.


Jonathon, September 2011

Badly treated by Bennetts

I was with Carol Nash for 12 years on my motorbike insurance when my policy was up for renewal this July.

I got a qoute from Bennetts Insurance at almost half the price of Carrol Nash saving myself £150.00 which I thought was great, i'll take Bennetts policy at £256.00.


I completed the form and was asked if I had any claims in the last 3 years which I have not had any on my motor bike insurance and have 10 years no claims through Carrol Nash this was on the 21/07/2011. I paid the direct debit and my money was taken by Bennetts.


On the 03/08/2011 I get a letter telling me my policy with Bennetts Insurance has been cancelled... Thinking there must be a mistake I rang Bennetts customer care team.

The reason they are giving me is I have had 2 claims throw my CAR INSURANCE, one of which has been settled through the 3rd party addmiting liability and it has been settled. The 2nd is on going as the 3rd party has addmitted liability and I am waiting for my car to be repaired.

Bennetts have cancelled my policy which has only been running for 2 weeks and said because I have made a fraudulent claim they will only give me £56.00 refund out of £256.00 for a cancellation fee and addminisration fees and theres nothing I can do, they never phoned or sent any emails of this cancellation.

I have since gone back to Carol Nash and had to pay another £303.00 for another policy which I can't afford. I told Carrol Nash of the problem with Bennetts Insurance and they said I had been badly treated as I was taking out motor bike insurance not car insurance and that I am not the guilty party in the car accidents.

I have been in touch with the financial ombudsman and they said this is wrong and are taking up my case. Looking at all your other emails it looks like I'm not alone on this subject!!!

Malcolm, August 2011

Contact watchdog

I took out a policy with Bennetts after going online to find a cheaper policy.

I’ve just cancelled my insurance due to selling my bike. This was cover I bought in January for £246.08. I still have 5 months left on my cover, so cancelled for a refund of the remaining balance.


I was charged the standard £30 cancellation fee which is clearly documented on my policy documents, but the additional unnamed percentage detailed in the document was 85% of my remaining balance. This left me with less than £6 balance.


I can only hope others will find this website before they get ripped off, and I urge everyone to contact watchdog as I have.

David, August 2011

Bennetts OUTRAGEOUS cancellation charges

I cancelled half way through the policy with Bennetts. Now I have to pay the other half as a penalty…!!!

So I have to pay for a whole years premium even though I:

1. Don’t have the bike
2. Don’t live in the UK anymore
3. Am not insured!


Sick to the hind teeth of being ripped off

Lorraine, July 2011

DONT BUY FROM BENNETTS!!!!!!!!!!!!!!!!!!!!

I took out a policy with Bennetts after going online to find a cheaper policy.

I had been with Carole Nash on a Classic Policy (I didn’t know that this doesn’t offer a no claims bonus), so took out a policy with Bennetts for what I thought was a good price! They requested proof of my no claims bonus which after ringing Carole Nash I realised I did not have any, the next day I had a letter from Bennetts (recorded delivery) cancelling the policy and I was to return all paperwork.

I sent everything back to them the same day and now after paying £120 they have only refunded me £20 for 10 days of insurance! It is just daylight robbery, you think you are saving yourself some money by shopping around but it costs you more in the long run, I went back to Carole Nash.

Katy, June 2011

Threatening behaviour

Same situation with bad practice and threatening behaviour from Dial direct which is part of Bennetts insurance group... so don't go with dial direct.

Last October I took out an insurance for my scooter but apparently I put the wrong number plate?? As I was away most of the time last October and November I didn't realise I had not received the policy.

8 months later they sent me an admin fee for an uncertain mistake by me. A 2009 made bike can't pass the 58 plate check, really! They need a more sophisticated system!!

Fabien, June 2011

Sound advice...

Unfortunately as it stands I have 2 policies with Bennetts and am a bit late to take action. The reason for my email is to see if you could post some advice on your site about taking legal action against them.


There are a lot of victims on your site who were concerned about bailiffs turning up at their door. Having some legal background it would be advisable to post that bailiffs can't do anything until there is a county court judgement. If the matter ever went to court the judge would always decide on our favour due to the fact that the practices are completely unfair. Bennetts would never even attempt to take the matter to court because it would not be worth their while.


Long story short I would advice the complainants to make sure Bennetts don't carry your card details or Account details on their database which I am aware they do. This then allows each individual (who want to cancel the policy) to default on the payment and ask Bennetts to take them to court which they never will.

Kio, May 2011

Bennetts have turned out to be quite crooked!

I got the renewal notice for my bike insurance and paid by credit card. All that was listed was the price for the renewal premium.

After paying, the documents came and there were additional broker fees and charges listed. I rang them but they refused to cancel the policy or refund the payment until I’d posted the certificate of insurance back. Although last year’s insurance was still active, they sent me a cancellation notice which stopped cover immediately.

I’ve wasted over 3 hours on the phone chasing my refund for next (this) year.

Absolutely no joy.

Sean, May 2011

Stay away from Bennetts

Renewed my policy on the 18th Jan but sold my bike yesterday (19th Mar) as I was not using it and we have a baby on the way. Premium was £150 and becuase I am in the 3rd month of the policy by 2 days they are charging my 50% (£75) plus £30 cancelletion fee! Un-be-leivable. Gave me the old "its in the policy" line. Stuff the policy I am disgusted with the utter lack of transparency and the disproportionate charges compared to my original premium.


Stuart, March 2011

A lesson in customer care...

Here is the main part of my recent letter to Bennetts, which will help explain what they have done me.

Dear Sir or Madam:

Further to my telephone call to your offices today 14th March 2011, I write to complain in the strongest terms about the recent cancellation of my motorcycle insurance policy.  I wrote to advise you of my change of address and received confirmation and acknowledgement from you that you had updated my records to reflect this on 10th Feb 2011. However, your letter dated 10th Feb also served to highlight that there was an administration charge for making this change of £25.00 and you requested payment within 10 days.

I received no further communication from you except for your letter dated 3rd March 2011, in which you have served ‘Notice of Cancellation’ and informed me that my motorcycle insurance is now cancelled. You state that this is due to the lack of payment for the change of address administration charge.

I find this situation totally unacceptable and wish to complain in the strongest terms for the following reasons:

1) Having written to me on 10th Feb and requested payment it is unreasonable to expect me to make payment within 10 days without any further correspondence to remind me and request payment.  Your own call centre staff inform me that the delay with Royal Mail and your internal processing means that this is difficult for you to be confident that payment has not been received within this period.

2) The administration fee of £25 does not warrant the cancellation of an insurance policy worth over £200 with 6 months remaining validity. I also believe that the administration charge for change of address is not appropriate for the actual costs involved.

Having paid this administration fee, I am now told that my motorcycle insurance policy remains cancelled and that I am not entitled to a refund either of the £25 or the 6 months balance remaining of the original policy.  This is completely unacceptable and I wish to pursue this through your complaints procedure, Finance ombudsman and national press.

I had a call from their Customer Relations team today telling me that they won't reinstate the policy because they gave me sufficient notice.


It's completely outrageous that they can cancel your policy with over 6 months left to go because of an admin fee, which they actually credited to my account on 3rd March the very same day that they wrote and cancelled my policy.

Matthew, March 2011

Taking advantage of young drivers

My son took out insurance with Bennetts on the 5th July 2010 for 12 months.


They sent him a letter, which clearly states in the 2nd paragraph that he is covered for a 12 month period.  It also states in their terms and conditions that if at any time they are going to cancel the policy they will send a recorded delivery letter.  We received no such communication or warning from them that they had in fact cancelled his policy.


Imagine my sons horror when today he is pulled over by the police and told that he has no insurance, they take his bike away and issue him with 6 points which means he could lose his licence.


They very happily took his money from him for 12 months insurance and without any warning at all cancelled it!!!!!!


I spoke to one of their ladies today only to find that they had put £225 in a credit account for him ... BUT NOT TOLD US.  So they insure him for 12 months at a cost of £425.33 charge £200 for 1 months insurance and then cancel it.


We have received no communication from them what so ever, and they have caused my son stress and upset as the police have taken his motorbike and he could lose his licence because Bennetts did not inform him that they had cancelled his insurance.


Is this the way the company makes their money by taking advantage of young drivers and by not communicating with them.  We have received no letters from them recorded or otherwise and no phone calls or emails or warnings of any kind!!!!!!

Mary, September 2010


My bike got written-off by a woman driving into it whilst it was parked, believe it or not.  It got written off, Bennett's (AXA) paid me the write off of the vehicle, and then charged me an extra £192.91 when I "cancelled" the policy.  I asked them why the heck I had to pay it when I got my bike written off, but they said it's nothing to do with it.  I paid the policy by direct debit, and had only paid 4 months, so I had to pay 60% of my premium.  I sued the driver of the car, and today in Court, the Judge said I had no legal ground to claim that money from her because I would have had to pay the full insurance premium anyway.  I said yes but I would have also been riding happily around on my motorbike too.  But nope, he claimed that even if I had have paid all my premium up front - and got the bike written off on day 1 of the insurance, I wouldn't have received any insurance back.  So even the JUSTICE system is defending these insurance companies now.  Are they seriously saying that time you are using the bike for is NOT a factor in what you pay?  If so, why do they give you an annual premium and not just say you pay once and that covers you for life?  Also, when you insure someone temporarily on a policy, say, a week - why is it less than a year - if time makes no difference. In other words, how could I NOT be entitled to get premium back when I had use of the bike for 4 out of 12 months paid for...?  Apparently I should have made a claim for the other driver causing me to lose use of the vehicle - not for the insurance premium itself.

But Bennetts and AXA were a disgrace, and at no point offered me advice on this or told me to claim for the loss of use of the vehicle.  They wrote my bike off then charged me for "cancelling" the policy.  Disgusting.  I make sure to tell everyone I know with a bike, not to use Bennetts.

Baz Pope

Bennetts, policy documents and contracts...blah blah blah!!

I sold my bike recently as my son was born and decided to stop riding for a bit.

I rang up just before going away for the week to cancel my policy and was told that there may be a charge for cancelling. I expect this kind of thing from companies as they add admin charges to any and everything!

Anyway,I pay my policy by direct debit and my policy had been renewed in Dec09. I cancelled in April10 (just after my April direct debit). When I got back from my week away, I had 2 letters from Bennetts. The first stating that I owed £120 and the second sent just 7 days after stating "final warning" threatening me with debt recovery action......hold on!! i thought!! give me a chance!! So i looked at the other letter again! £30 admin charge and £90 outstanding balance. My policy had only cost me £300 in the first place and i had only used 4months of it!!

So i called up to ask WHAT the £90 was for. The guy on the phone started rambling on about terms and conditions and policy documents and contracts...blah blah blah!! I had read the policy document after i got the letter and found the whole "early cancellation stuff" but i wanted to know what i was actually going to have to pay the £90 for.

So i asked nicely to speak to a manager who was very pleasant and again went over the same trivia of policy! She stated that the early cancellation fee was because Bennetts were a business and that they had to recoup money from cancelled policy. I stated that this was not the best way to carry out business as i had not moved insurers but i was temporarily without bike and that i because of this, i would not be returning to them as a customer so as a business they were losing out. I went on to explain that it still didn't seem necessary for me to pay over 1/3 of my policy to cancel because policies are issued on a risk based assessment and given that i was no longer a risk by not having a bike, i was therefore a zero cost to them. She agreed but that it was policy and that as a good will gesture, she would waive the £30 admin fee. I stated that i needed to think about my options as i had only just returned from my week away. She said she would allow me 2 weeks to think it over and would speak to the debt recovery team to get them off my back! So thats where I am now!!

My feeling is that this sucks big time but thinking of it from another point of view, if I had paid up front, I would be having a rebate right now and I probably wouldn't be checking how much so the delta is quite big!!

I guess my only guidance for dealing with Bennetts is to be nice and polite and you may get somewhere but I think that we don't have a leg to stand on with the cancellation fees.

James, Bristol

Bennetts motorbike insurance, never again

Same for me Murray, rip off Bennetts – never again

Mark Walker, Nottingham

Bennetts Insurance, they push you into a corner!

I too have encountered some probs with Bennetts recently. I called to cancel my policy (about 4 months remaining) and was told I would have to pay a £30 cancellation fee plus a ridiculous percentage of the original premium. Basically repaying double what I have already contibuted towards it over the months. They push you into a corner so it is cheaper to carry on paying for insurance you no longer require. I too questioned the ethics and legality around this particular cancelations policy. Beware indeed!

Jason Halsall

Bennetts, they swiped my cash!

I phoned Bennets in June 2009 to get a policy on a CB750. They said they wanted to charge me an extra 30 quid EACH to change my existing Z1 policy and my existing CB900 policy just  because I told them my my employment status had changed.( I'd been paid-off .) I said "no -way". Then they said they wanted 30 quid EACH when I threatened to cancel my existing Z1 and CB900 policies. So, I said "no way" again and went somewhere else to ensure my CB750. BUT they still insisted that I had to change my occupation on my 2 existing polices as my employment status had changed. So, after alot of raised voices, they finally agreed to only charge me 30 quid insted of 60 to change my other 2 policies......When my Z1 policy ran out I didn't bother to renew it becuase they were obviously trying to rip me off. I insured it somewhere else too........


Last week they sent me a new policy document for the CB 900 which I had actually sold in July 2009. I had policy with Bennets for it too but I didn't bother to cancel it coz I knew it was going to cost another 30 quid so it wasn't worth it.... I just let it run out and forgot about it and my sad experiences with Bennetts. Bennetts now say they sent me a reminder about the CB900 in late December but I didn't get it.... maybe it got lost in the snow.... They obviously kept my credit card details on-file for a year without my knowledge (or permission) and just swiped another 85 quid for the CB900 on 19th January 2010. They didn't tell me or try to contact me to confirm I wanted their ~~~~py insurance policy b4 they swiped my cash . Then, to add insult to injury , when i phoned up on 21st January  to complain, they said they wanted want ANOTHER 30 quid off me to cancel a policy I didn't ask for in the first place on a bike I sold 6 months ago! ....W9A9N9K9E9R9S....... My advice...Don't go near them with your mates bike, let alone you own !!,,,,,,,,and tell everyone you know with a bike not to touch these thieving ~~~ts..........

T.E. Youngman....another dissatisfied ex-customer

Bennetts Bike - Online Insurance Rip-off

Where to start....

Ok, My husband bought, online bike insurance from Bennetts, include commuting to & from a place of work and Legal cover, at a fair price after we had shopped around.

When the policy arrived, it had neither commuting nor Legal cover, so we gave them a quick ring to be told that if it's not on the document it's not included & wasn't included in the price & we would have to pay extra for it. Once you click to accept the quote, it automatically adds Legal Cover at £25.99, which we kept as we'd got £20 cashback from Quidco [Thanks MSErs!] so I KNOW we kept it, and hubby wants to ride it to work in the summer - it's why he bought the bike so it would be daft not to cover this on the insurance. But no - Bennetts didn't want to know. They couldn't check their records to see what was quoted for, and I lost the quote data once I'd clicked to buy.

I put in another quote for the correct policy details and got a quote for £1 dearer through the same insurer, including commuting & Legal, but Bennets didn't want to know, They just wanted an extra £70 plus whatever they were going to charge for a policy amendment.

Fed up, we wrote & complained, but decided to cancel within 14 days, which they now tell me they will charge £30 to do.

BGL group profits are rising nicely!

Bennetts recently auto renewed my policy and after a heated discussion with them agreed to cancel my policy for a £20 fee. I was within the 14 day distance selling cooling off period so thought this would be straightforward. I returned the policy documents by recorded delivery and this morning received a cancellation letter showing a charge of £50! (representing an unreasonable 50% of the polciy premium).The renewal policy price had also increased (surprise!) from last years by approx. 100%!

It appears this is rather a profitable scam by the insurance company, which comes under the BGL Group headed up by Peter Winslow. BGL are also the brains behind 'Compare the Markets' website with the dodgy Meerkats that to me seem to mimic an Eastern European crime gang (this now makes sense knowing how this group operate).

Personally I would like to see Peter Winslow on BBC Watchdog attempting to defend this practice of auto-renewal. It is particularly nasty in the unfortunate possibility of the policy holder dying before renewal and the partner being hounded for cancellation fees.

BGL group profits are rising nicely due I'm sure in no small part to fleecing money off their customers using this apparently legal practice.

Garry Clasper September 2009

Bennetts are a scam

Where to start....

Last year I brought insurance with bennetts for quite a reasonable price but when the time came to renew this year they had put my premium up to £694 (up nearly £200) on last year despite not having had an accident, anyway I decided to go with Caroline Nash who quoted me £220 for a very similar policy so I went with them, unforchantly however I received a letter from bennetts telling me that I had been charged for a years policy (£694) and it turns out that in the small print you have to opt out of renewal, so I phoned bennetts and asked for a refund but I got nothing but poor attitude once they found out that I was cancelling. I was told that they would charge me a £30 admin fee plus £50 for five days cover despite being covered by another insurer. The insurance was due to start on the 17th and I phoned on the 20th to cancel but they didn’t charge my account until the 21st . So I’ve paid £694 for insurance with bennetts and £220 with carol Nash.

Now it seems to me that bennetts lure you in with a competitive rate for the first year and then hope you don’t notice the small print and charge you an uncompetitive rate for the next years insurance. You’ve been warned!


Bennetts are a scam!

CW October 2009

Even there staff know how bad they are...

I am writing to you to inform you of my very recent negative experience with Bennett's Motorcycle insurance, which must be verging on the extremities of the law and will hopefully make people think twice before insuring with them. I'm sure I'm not the only one to be facing hard times in this current economic climate and therefore needing to sell my motorbike. Now I unfortunately made the mistake of changing my motorbike insurance supplier this year and going with Bennett's, as at the time I thought they seem to portray a good professional image and could be trusted in times of need - I was very wrong!!!

Just to set the scene I also decided that this year I would pay by instalments to spread the cost over the whole year, which I obviously had to pay more for, to cover the cost of the interest on the premium - to be expected.

So after selling my motorbike this weekend, two days after I have paid this monthly instalment, I called them to cancel my insurance. I was informed that I have to pay a charge of £30 for cancelling the policy, again expected, but I am now being told I will have to pay for at least 90% of the policy even though I haven't used the full life of the policy and won't do as the bike no longer belongs to me. Which seems morally and legally incorrect to me, how can I be charged for something I haven't used?

Their reason is that it will cost them in order to cancel my policy, on top of the £30 admin fee, this is now going to work out more expensive than the original policy. How can this possibly be? If the bike policy is now cancelled, it's no longer an insured risk, so therefore can not possibly cost them anymore money as I will not potentially be claiming for anything.

I also have had bikes for a decade now and I have never been through this before, normally the insurance companies in this instance seem to be honest and fair enough by returning the money that you haven't used to the nearest month and with the £30 surcharge of course - but this is to be expected.

The Bennett's representative told me this is all clear in their terms and conditions which I clicked on to legally except them, now this they will continue to hold on to I'm sure and I will have to pay. But after having countless insurance policies with some of the bigger more respected insurance companies I wrongly assumed that they would all be offering the same sort of service, conditions and ethical policy, I have been proved incorrect, so all I ask is that people think twice in future before taking out any insurance policies, as it appears although some of them like to masquerade behind the same professional image, they don't' all seem to play by the same rules, I know that next year when I get round to getting a new bike, I will not be getting a quote from my friends at Bennett's. I also asked the representatives that I spoke to how they felt about this morally, one spoke out and said I know how it is, I understand how annoyed you must be, his line manager, just stayed silent.. even their staff know how bad they are....

Paul December 2009