Insurance Renewal Q
Discussion
I wasn't sure if to post this here or in SP&L:
I wrote off my £5000 BMW car last April. Still unresolved who was liable, but assuming 50:50, my bike insurance comes up for renewal in a few weeks & I was wondering what effect this might have. Presumably I'll have to declare, but I read somewhere that car & motorcycle claims are separate entities, & therefore one will not affect the other(??)
Complete bloody pain, as I was going to buy a new bike & car this spring, but the budget could get screwed by insurance costs!
I wrote off my £5000 BMW car last April. Still unresolved who was liable, but assuming 50:50, my bike insurance comes up for renewal in a few weeks & I was wondering what effect this might have. Presumably I'll have to declare, but I read somewhere that car & motorcycle claims are separate entities, & therefore one will not affect the other(??)
Complete bloody pain, as I was going to buy a new bike & car this spring, but the budget could get screwed by insurance costs!
Edited by Biker 1 on Monday 16th December 22:20
Interesting, not sure on that one. In for answers though.
Do you really have to declare a car insurance claim on a motorcycle policy? Is that because it's a "motoring" or "motor-vehicle" claim/policy?
You wouldn't for example declare a Home Insurance claim on a Car Insurance policy as they're separate entities. Though granted both car and motorcycle are tied together with a single driving license and probably both fall under "motor insurance".
You'd think maybe the motorcycle policy would be unaffected in the same way your motorcycle NCB would be unaffected from a car insurance policy claim.
Do you really have to declare a car insurance claim on a motorcycle policy? Is that because it's a "motoring" or "motor-vehicle" claim/policy?
You wouldn't for example declare a Home Insurance claim on a Car Insurance policy as they're separate entities. Though granted both car and motorcycle are tied together with a single driving license and probably both fall under "motor insurance".
You'd think maybe the motorcycle policy would be unaffected in the same way your motorcycle NCB would be unaffected from a car insurance policy claim.
I’ve been through similar and can confirm you’ll need to declare.
My car had a minor hit 2 years ago when a little old lady misjudged a gap and took my wing mirror off. I wasn’t even moving so was pretty clear who was at fault. She initially wanted to go through insurance so I informed my company but after the quote came in she changed her mind and wanted to just pay it herself rather than go through the hassle as it wasn’t that much.
Every insurance quote I’ve had since then its been referenced (car and bike) even though it was not my fault and the claim was never followed through, the very fact they are aware of it puts it on the register. I complained when I found this out as it’s not a claim in my eyes but got the standard letter saying they had reviewed and would not be changing it.
My car had a minor hit 2 years ago when a little old lady misjudged a gap and took my wing mirror off. I wasn’t even moving so was pretty clear who was at fault. She initially wanted to go through insurance so I informed my company but after the quote came in she changed her mind and wanted to just pay it herself rather than go through the hassle as it wasn’t that much.
Every insurance quote I’ve had since then its been referenced (car and bike) even though it was not my fault and the claim was never followed through, the very fact they are aware of it puts it on the register. I complained when I found this out as it’s not a claim in my eyes but got the standard letter saying they had reviewed and would not be changing it.
I'd be surprised if it doesn't hit your renewal.
My Wife had a non-fault accident in my car some years back (delivery driver ran in to her but denied it, so we had to claim for the repairs on our insurance) so, as the policy was in my name, my bike insurance co. bumped up my bike policy when I declared the claim on renewal despite the fact that the bike policy was for me only and I had had no accidents.
They gave me a load of b
ks as to how the claim made me a higher risk. 
Insurance companies, utter scumbags...
My Wife had a non-fault accident in my car some years back (delivery driver ran in to her but denied it, so we had to claim for the repairs on our insurance) so, as the policy was in my name, my bike insurance co. bumped up my bike policy when I declared the claim on renewal despite the fact that the bike policy was for me only and I had had no accidents.
They gave me a load of b
ks as to how the claim made me a higher risk. Insurance companies, utter scumbags...
100% need to declare. It will make a difference to the cost but only by getting a quote will you find out how much.
I hit a deer last year in my daily driver and when I phoned a renewal (Classic Car Policy so not directly related but not the same policy either, so similar to a motorcycle policy) to declare the accident they already knew via various databases... so they can find out and if you don't declare it could be an issue. I do not know if all insurers check these databases before renewal or some only after a claim, therefore I wouldn't risk it.
I hit a deer last year in my daily driver and when I phoned a renewal (Classic Car Policy so not directly related but not the same policy either, so similar to a motorcycle policy) to declare the accident they already knew via various databases... so they can find out and if you don't declare it could be an issue. I do not know if all insurers check these databases before renewal or some only after a claim, therefore I wouldn't risk it.
Playsatan said:
I’ve been through similar and can confirm you’ll need to declare.
My car had a minor hit 2 years ago when a little old lady misjudged a gap and took my wing mirror off. I wasn’t even moving so was pretty clear who was at fault. She initially wanted to go through insurance so I informed my company but after the quote came in she changed her mind and wanted to just pay it herself rather than go through the hassle as it wasn’t that much.
Every insurance quote I’ve had since then its been referenced (car and bike) even though it was not my fault and the claim was never followed through, the very fact they are aware of it puts it on the register. I complained when I found this out as it’s not a claim in my eyes but got the standard letter saying they had reviewed and would not be changing it.
This is pretty much what I thought. Obviously I'll declare the car claim, but it is as yet unresolved - third party's insurer not playing ball & working at a glacial pace.... My car insurers have advised that my NCB will be reduced to 3 years (not made any claims since 2002 when I hit a deer!)My car had a minor hit 2 years ago when a little old lady misjudged a gap and took my wing mirror off. I wasn’t even moving so was pretty clear who was at fault. She initially wanted to go through insurance so I informed my company but after the quote came in she changed her mind and wanted to just pay it herself rather than go through the hassle as it wasn’t that much.
Every insurance quote I’ve had since then its been referenced (car and bike) even though it was not my fault and the claim was never followed through, the very fact they are aware of it puts it on the register. I complained when I found this out as it’s not a claim in my eyes but got the standard letter saying they had reviewed and would not be changing it.
I suppose I'll just have to grin & bear it until renewal at end of January!
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