RTA on the bike today - Insurance help

RTA on the bike today - Insurance help

Author
Discussion

Andy OH

1,903 posts

249 months

Sunday 23rd August 2015
quotequote all
creampuff said:
You are obliged to tell your insurer, which you have done. You are not obliged to claim through your insurer, so you have the same choices as before.
This above.

When I was t-boned by a 7 Series BMW and my Fireblade was written off back in 2009 the guy admitted full liability there and then and two witnesses were present and heard the guy admit full liability. I did inform my insurance company of the accident as I was obliged to do so, however, they were actually pushing me to claim through my own insurance and then claim everything back through the other guys insurance. I immediately said I'm not claiming through my own insurance as the guy admitted full liability. Everything went rather smoothly and the other guys insurance company were fine. I had a hire bike through his insurance company and I was paid out for my Fireblade within eight weeks.

fezst

234 posts

123 months

Monday 24th August 2015
quotequote all
I'm surprised at the amount of people saying "Oh just go straight to their insurer don't bother telling yours".
At the end of the day if he's admitted fault and you've got a witness, you don't need to claim on your insurance but you should let them know anyway.
End of the day future premiums are going to go up anyway because you will have to declare you've had an accident claim or no claim.

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
fezst said:
I'm surprised at the amount of people saying "Oh just go straight to their insurer don't bother telling yours".
At the end of the day if he's admitted fault and you've got a witness, you don't need to claim on your insurance but you should let them know anyway.
End of the day future premiums are going to go up anyway because you will have to declare you've had an accident claim or no claim.
Well, it took a few days, but eventually the bullst about premiums automatically rising due to a non- fault accident cropped up.

mikeveal

4,558 posts

249 months

Monday 24th August 2015
quotequote all
fezst said:
I'm surprised at the amount of people saying "Oh just go straight to their insurer don't bother telling yours".
At the end of the day if he's admitted fault and you've got a witness, you don't need to claim on your insurance but you should let them know anyway.
End of the day future premiums are going to go up anyway because you will have to declare you've had an accident claim or no claim.
Actually the wording that I see is "incident", not "accident".

I'm unfortunate enough to have had three "incidents" in the last year (it's been a bad 12 months).

One guy reversed (at speed) onto the carriageway and T-boned me. He claimed off his insurance to repair my car. My insurers were informed but did not get involved.

I rear ended a car at a roundabout. Hands up, my fault. My insurers paid out.

I was deliberately side swiped by a transit van driver, who then failed to stop. He claimed off his insurance to repair my car (probably reluctantly, but hey, what do I care?) My insurers were informed but did not get involved.



On the first and third knock I've not made a claim. The third knock was not an accident. But I have had three incidents. And yeah, my policy cost (before shopping around)went up by 120%.

fezst

234 posts

123 months

Monday 24th August 2015
quotequote all
mikeveal said:
Actually the wording that I see is "incident", not "accident".

I'm unfortunate enough to have had three "incidents" in the last year (it's been a bad 12 months).

One guy reversed (at speed) onto the carriageway and T-boned me. He claimed off his insurance to repair my car. My insurers were informed but did not get involved.

I rear ended a car at a roundabout. Hands up, my fault. My insurers paid out.

I was deliberately side swiped by a transit van driver, who then failed to stop. He claimed off his insurance to repair my car (probably reluctantly, but hey, what do I care?) My insurers were informed but did not get involved.



On the first and third knock I've not made a claim. The third knock was not an accident. But I have had three incidents. And yeah, my policy cost (before shopping around)went up by 120%.
Yes I agree, "incident" is a more correct term to use. I'm confused as to the point you are trying to make with your post other than that.

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
mikeveal said:
Actually the wording that I see is "incident", not "accident".

I'm unfortunate enough to have had three "incidents" in the last year (it's been a bad 12 months).

One guy reversed (at speed) onto the carriageway and T-boned me. He claimed off his insurance to repair my car. My insurers were informed but did not get involved.

I rear ended a car at a roundabout. Hands up, my fault. My insurers paid out.

I was deliberately side swiped by a transit van driver, who then failed to stop. He claimed off his insurance to repair my car (probably reluctantly, but hey, what do I care?) My insurers were informed but did not get involved.



On the first and third knock I've not made a claim. The third knock was not an accident. But I have had three incidents. And yeah, my policy cost (before shopping around)went up by 120%.
The fault claim will account for the majority of not all of the increase. The two non-fault may well contribute to it, not least the circumstances of an attempted hit and run, what if he was successful in "running".

Your situation is poles apart from someone having one non-fault claim on their record.

Prizam

Original Poster:

2,335 posts

140 months

Monday 24th August 2015
quotequote all
creampuff said:
Could you give me some info for my own interest, basically so I'm less likely to have the same kind of crash: what position within lane 3 were you in? ie left/center/right of lane 3?
I was just over to the right of center in L3.

L3 was moving quite a bit quicker than L1 / L2, and the guy decided he wanted a piece of the action.

He said he looked and only saw a van that was quite a away away so went for it.

I was just cruising along being rather relaxed as i was already making good time and had nothing urgent to get home to. Perhaps if i had been a little more alert than i might have been able to avoid him.

Prizam

Original Poster:

2,335 posts

140 months

Monday 24th August 2015
quotequote all
Thanks for the posts so far, i guess i should have gone via the 3rd party's insurance. The main benefit apparently is that i would receive a better service.

Alas, my insurance seem to be OK so far, even if a bit fragmented with several different departments "Working" together. E.g. all outsourced.

Need a new bike suite and boots, Helmet is debatable. There are a couple scuffs on it that im sure went there before. Insurance company seems to think its standard to claim a new helmet with any accident. Suite and boots both have rips / holes in them.

When i get confirmation that the 3rd party has admitted fault i will put up some pictures.

gruffalo

7,509 posts

225 months

Monday 24th August 2015
quotequote all
Always get a new helmet, you can not see if the structural integrity is OK by looking at it if it made any contact with any thing replace it.

You only have one head and for most it is quite important!!

mikeveal

4,558 posts

249 months

Monday 24th August 2015
quotequote all
fezst said:
Yes I agree, "incident" is a more correct term to use. I'm confused as to the point you are trying to make with your post other than that.
I was expecting that having gone through the other parties insurance(s) I wouldn't see much difference in my premium year to year. But no, the current insurer declined to offer insurance (because three notifiable incidents) and the best our broker could find was 120% increase. The INCREASE was 120%, so total cost was least years cost *2.2.

I'm spelling that out because Loon (who should know) says its about right. Seems a bit steep to me.

Rude-boy

22,227 posts

232 months

Monday 24th August 2015
quotequote all
gruffalo said:
Always get a new helmet, you can not see if the structural integrity is OK by looking at it if it made any contact with any thing replace it.

You only have one head and for most it is quite important!!
yes

A friend has an old helmet to remind him of this. Look at it and all you will see is a little scuff on the top.

That little scuff was the only mark after his head hit the top bar of his roll cage as his race car argued with the wall at Donington at 120MPH+ 3/4 on.

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
mikeveal said:
I was expecting that having gone through the other parties insurance(s) I wouldn't see much difference in my premium year to year. But no, the current insurer declined to offer insurance (because three notifiable incidents) and the best our broker could find was 120% increase. The INCREASE was 120%, so total cost was least years cost *2.2.

I'm spelling that out because Loon (who should know) says its about right. Seems a bit steep to me.
I didn't say "it's about right". The market will price as it sees fit, there are a myriad of terms to consider, not least whether your premium was massively low to start with and / or you're running a fleet of supercars to pick two extremes.

dukeboy749r

2,539 posts

209 months

Monday 24th August 2015
quotequote all
LoonR1 said:
Pedantry. Not a breach, or at least not one that could or would ever be enforced.

Tell me what experience you have in the industry and what qualifications in your next response.
Loon, behave - just because you work in the industry doesn't give you an automatic right to be so heavy handed and arrogant in your replies. Sheesh, out of courtesy most would probably expect to inform their insurers and given how simple things do seem to cause premiums to go up - surely by withholding information that may be pertinent, we'd all think it better to just 'fess up.

Now if it doesn't make a difference, that would be lovely...

bonjeroo

99 posts

170 months

Monday 24th August 2015
quotequote all
So I clicked on this topic thinking, "Bet it won't take LoonR1 long to turn up and start acting like a condescending tw@t."

I wasn't disappointed.

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
dukeboy749r said:
LoonR1 said:
Pedantry. Not a breach, or at least not one that could or would ever be enforced.

Tell me what experience you have in the industry and what qualifications in your next response.
Loon, behave - just because you work in the industry doesn't give you an automatic right to be so heavy handed and arrogant in your replies. Sheesh, out of courtesy most would probably expect to inform their insurers and given how simple things do seem to cause premiums to go up - surely by withholding information that may be pertinent, we'd all think it better to just 'fess up.

Now if it doesn't make a difference, that would be lovely...
There are many, many things that we should do in life, but don't. I'm at a loss as to why people worry so much about this irrelevance. Do you all hand yourselves in each time you speed for example? What about if you take a few post-it notes from the office and use them at home? Do you always inform the local council if you scrape a kerb when park badly? Do you never park half on and half off the pavement?

These are all things that we shouldn't do, but do and there is no comeback. Your insurer will NOT void your policy if you do t tell them about a claim that was made on another driver's policy. I wouldn't tell them.

Now, as for getting "heavy handed and arrogant", this specific poster came on and pronounced what would happen as if he was the font of all knowledge. He was wrong.

If I go on a mechanical thread and announce that "it's afuse that's blown" when the exhaust is hanging off, then I'd expect to be put back in my box pretty quickly. There is a plethora of crap posted on insurance threads. A lot of that crap is regurgitated over and over, as if it's true.

The same applies for speeding threads and agtlaw is quick to jump in with the facts and to call out those talking crap. Few get uppity about his heavy handedness, or "arrogance" ( yet to see that when it's just stating the truth), yet he is just as blunt as me. Breadvan72 is worshipped on here, yet he too is very blunt and sarcastic in a lot of his replies, again few call him out about it. I know I'm not well liked for telling the truth and I get bored of repeating the same stuff, so to play it safe he we go

You can sue for your increase premium

A non- fault accident always means your premium will go up by 387% or £8438, whichever is the greater, or lesser, if your postcode begins with a letter before K in the alphabet

All insurers will never ever pay out ever on any claim that gets made

All insurers will always pay out far too quickly on all claims that get made, even without consulting with you first

There is anNCD database that they should rely on to prove your NCD

All insurers should delete all databases, as they know too much about you

I've never claimed so my pre,I'm should be £0. Ergo, I've just claimed and it cost the insurer £46,000 I'm happy to pay that as a premium next year

I've just claimed amd my premium has gone up and it's not fair. I think all claims of the sort that I've just had should be ignored by insurers, but all other claims should still count.

I've just got points on my licence and my premium will go up at renewal, I think the type of points that I've got should be ignored by insurers, but all other points should count.

And so on.

fezst

234 posts

123 months

Monday 24th August 2015
quotequote all
What would be the consequence of not informing your insurance of an accident because the other party admitted fault, however the other party then withdraws this fault admission and says it was 50/50.

Would your insurer do anything for not informing them of the accident within say 24 hours? Given that now you have to claim on your OWN insurance with no proof of fault.

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
fezst said:
What would be the consequence of not informing your insurance of an accident because the other party admitted fault, however the other party then withdraws this fault admission and says it was 50/50.

Would your insurer do anything for not informing them of the accident within say 24 hours? Given that now you have to claim on your OWN insurance with no proof of fault.
Nope, they'd just deal as normal. Never has been an issue and never will be. We regularly had claims come through from solicitors for accidents that were nearing limitation (c3 years) and that was the first we'd know about them. We dealt as normal.

No adverse consequences at all.

fezst

234 posts

123 months

Monday 24th August 2015
quotequote all
LoonR1 said:
Nope, they'd just deal as normal. Never has been an issue and never will be. We regularly had claims come through from solicitors for accidents that were nearing limitation (c3 years) and that was the first we'd know about them. We dealt as normal.

No adverse consequences at all.
That's surprising, but interesting.

dukeboy749r

2,539 posts

209 months

Monday 24th August 2015
quotequote all
LoonR1 said:
There are many, many things that we should do in life, but don't. I'm at a loss as to why people worry so much about this irrelevance. Do you all hand yourselves in each time you speed for example? What about if you take a few post-it notes from the office and use them at home? Do you always inform the local council if you scrape a kerb when park badly? Do you never park half on and half off the pavement?

These are all things that we shouldn't do, but do and there is no comeback. Your insurer will NOT void your policy if you do t tell them about a claim that was made on another driver's policy. I wouldn't tell them.

Now, as for getting "heavy handed and arrogant", this specific poster came on and pronounced what would happen as if he was the font of all knowledge. He was wrong.

If I go on a mechanical thread and announce that "it's afuse that's blown" when the exhaust is hanging off, then I'd expect to be put back in my box pretty quickly. There is a plethora of crap posted on insurance threads. A lot of that crap is regurgitated over and over, as if it's true.

The same applies for speeding threads and agtlaw is quick to jump in with the facts and to call out those talking crap. Few get uppity about his heavy handedness, or "arrogance" ( yet to see that when it's just stating the truth), yet he is just as blunt as me. Breadvan72 is worshipped on here, yet he too is very blunt and sarcastic in a lot of his replies, again few call him out about it. I know I'm not well liked for telling the truth and I get bored of repeating the same stuff, so to play it safe he we go

You can sue for your increase premium

A non- fault accident always means your premium will go up by 387% or £8438, whichever is the greater, or lesser, if your postcode begins with a letter before K in the alphabet

All insurers will never ever pay out ever on any claim that gets made

All insurers will always pay out far too quickly on all claims that get made, even without consulting with you first

There is anNCD database that they should rely on to prove your NCD

All insurers should delete all databases, as they know too much about you

I've never claimed so my pre,I'm should be £0. Ergo, I've just claimed and it cost the insurer £46,000 I'm happy to pay that as a premium next year

I've just claimed amd my premium has gone up and it's not fair. I think all claims of the sort that I've just had should be ignored by insurers, but all other claims should still count.

I've just got points on my licence and my premium will go up at renewal, I think the type of points that I've got should be ignored by insurers, but all other points should count.

And so on.
I am now imagining a Kenneth Williams voice...biggrin

LoonR1

26,988 posts

176 months

Monday 24th August 2015
quotequote all
dukeboy749r said:
I am now imagining a Kenneth Williams voice...biggrin
Ha, you're showing your age Matron wink