Does A Motorbike Claim Have To Be Reported When Renewing The Car Insurance?

not declaring your claim (which will be on an insurance data base) will void your policy in the event of a claim.

 

Yep - I'm afraid so - in fact ive just been through this but the other way round....fucking asshole on the phone in a knackered old builders van hit the back of our smax...totally his fault - in fact he was so stupid he didn't bother putting the phone down as he got out of the cab....anyway my insurance just came up for renewal last week so I told them (I had to as they said car claims would be included) so, in a nutshell....asshole shunts our car, totally his fault. My bike insurance goes up (they tried sticking 200 quid on the 450 I already pay) but got it down to 570...

 

Yes, I had this happen to me the other way round. I had a claim on my company car when somebody crashed into it while parked and did a runner. Come motorbike renewal time I found my policy hiked up by 50% over the price I paid a couple of weeks earlier because I "didn't declare a claim" I got a letter from the RAC demanding the difference.

I had to keep declaring the bugger for 5 years on 3 bike policies. It cost me a fortune and I'd have been better off paying to have the car repaired and not claiming. :Bawling:

 

Fuckin' insurance companies.

 

Yup, my missus had a bump in her car which was insured on a policy in my name, didn't realise it affected me until i renewed my bike insurance..Got a call from ins company saying it had come up on their database that there was a claim against me i had not declared.....:flushed:...needless to say it came with financial penalties to sort it...:rage:

 

As above, in my case my son was hit on a joint insurance. However as it wasn't his fault I got a letter from the insurance company to prove it and my insurance was not affected.

From previous experience if your company does not pay out or their loss is fully recovered then the premiums should not rise. However if the matter has not been fully settled when a renewal comes up then they always tend to bump up the renewal and they won't necessarily refund when it is all settled and falls in your favour.

As ever the insurance company always seems to win.

 

yes you do (as already said) and it's getting worse. Because of the nature of the questioning, I stupidly volunteered a couple of incidents to my long-term insurance company but couldn't come up with specific dates and despite me making clear that they were both 'not at fault'/no damage sustained to any person or vehicle, the Insurance agent said he could not continue with the quote.

 

This is so not right! Buggers

 

The only way I got mine down (as I said) was that I had to describe and say that my last accident was a no fault claim....so essentially ive had to verbally say, although claim went our way 100% but was still in progress....im assuming if I lied for example they'd have me up on it next year...

 

All down to statistics and how insurance companies think unfortunately. Apparently if you have had one accident (even if its not your fault) then statistically they say you are more likely to have another one.

Quite how that works I really dont know, as when I had a car pile into the back of my stationary car at 60mph once, completely writing my car off and causing me to have 3 months off work, I was absolutely paranoid about driving on the roads for a very long time afterwards. So id be driving extra cautiously everywhere.

 

and that was the sensible outcome - i'm glad it didn't complicate matters as it did with me. I should have asked to speak to a 'supervisor' but instead gave up and went to another company (this, after about 10 years with them).

 

That's Robbery, I had a none fault accident a few years ago (think it was 4years) and made no difference to mine even on renewal, Ive always been with Aviva, Have both bikes( Through Carol Nash), Car and house with them( Aviva Direct), Cant say a bad word about them, Also had a highly modded car with them, Always willing to help.

 

I resent the fact that the insurance companies go on boasting about their "No Claims Bonus" arrangements, including "Protected No Claims" and the advertising by some that "if an uninsured driver causes you a loss, it will not affect your NCD". Of course the truth is that the NCD is only a percentage reduction that they use AFTER making whatever potentially large premium increases they may come up with after taking into account a reported incident which may itself involve no fault, and perhaps no claim, on the part of the insurance purchaser or potential drivers.

It's worth being cautious about car "Windscreen repair" too. If you get a small crack or chip, most insurers encourage you to report it, usually deduct a trivial excess and send their own favoured repairer around; they say that "it does not affect NCD", and this practice supposedly reduces the chances of their later having the screen crack more extensively, costing them more. However, they want/need you to report even these claims for the next few years! If you don't remember or realise, they chase up after you take the new policy out, although in my experience they have not increased the premium but have simply scolded me. I suspect you can buy a DIY repair kit for no more than the windscreen-chip-repair excess. This is madness because anyone can get windscreen damage at any time, at random.

 

If someone with no insurance hits you there is a fund you claim from for damages and personal injury. So your insurance company can reclaim all their expenses.

 

It's a bummer that your no claims on your car doesn't count towards bike and vice versa but claim on one policy and watch the bastards rape you .