So when I got knocked off my bike, I got to declare it when I renew? Not my fault, they admitted liability. OK, if that's the case, can I claim as a loss if I were to claim? If insurance companies want to take the piss, I've all day to play along.
Boils my piss this. Van commercial insurance effects car, car insurance effects bike everything effects each other to there benefit. Apart from when you ring up to insure a commercial vehicle they will tell you your car no claims has nothing to do with a van so you will receive no discount or visa versa . I have 3 sets of no claims all full, van/car and bike. All totally separate and have no connection to each other but have a scrape on one and the insurance companies suddenly wont to link them together .
It upsets me to think that we all have to tolerate what is literally legalised robbery when insuring our vehicles. No claims bonus was first introduced as a way of rewarding someone for being a careful driver yet now it's been turned into a token that you can only use once.
Think of it this way: Any and every reason your insurer can find to get out of paying a claim is solid gold to them. So be under no illusion that if they were to discover anything you hadn't declared, they'd use it to wriggle out of paying you like a KY Jelly-lubed eel!
If the vehicle that hit you was a hit and run then the fund should have paid out. It's for uninsured loss ie uninsured drivers , hit and run etc. my sister hit a breeze block on a motorway slip road ,it ripped the sump out of her car. The fund paid out for that.
Some of you may remember a few years ago i had a 1098s stolen from my garage. The insurance went up on my car, van and the replacement bike. A month ago my van insurance came up for renewal and as usual the were trying legalized robbery on me again. It seems insurance firms take any claims in the last 5 years against you........................with the exception of one, Direct Line. Never used them before but got a quote and they only take into account claims over the last 3 years, they were a lot cheaper than my old insurance.........................will defo be looking at them when my car and bike next come up for renewal.
It doesn't count towards other cars either. I've had a van for years with maximum NCB and when I bought a 4X4 I had zero NCB on it and the premium was through the roof. Couldn't get a multi-car policy because the van is a commercial vehicle and the 4X4 was not. Got rid of it in the end. Three bikes and two four wheelers all on separate policies was an expensive pain. I haven't found multi-bike policies offer any savings so its three separate policies for the bikes. Can't auto-renew either because the bastards will pump the price up. Every year they send the renewal papers through and when I go online to do a price comparison the same company is quoting £30 less than they're trying to get out of me on auto-renew, so I have to through the pantomime of ringing them up and find that hey presto they can do the cheaper price after all..
