Insurance - returning to biking and wife's car claim

[TiminYorkshire]

I'm just sorting out my insurance on returning to biking. I went through Compare the Market and took a policy out with Bike sure. However it seems that I needed to declare a claim my wife made as a named driver on a car policy I had. This pushed the policy up by about 60%, even with other quotes on the comparison site the increases were similar.

Firstly is this normal? I'm struggling to see how my wife's driving performance will affect my motorcycling given she won't be on the policy.

Secondly are there any specialist brokers that anyone can recommend? If I can get the price down even a little it would be appreciated.

[Biker9090]

Because she was on a policy in your name and their statistics suggest YOU will be more likely to claim as a result of that.

In addition to the fact returning riders have VERY high accident/ claim rates

[Mandat]

TiminYorkshire said:

I'm just sorting out my insurance on returning to biking. I went through Compare the Market and took a policy out with Bike sure. However it seems that I needed to declare a claim my wife made as a named driver on a car policy I had. This pushed the policy up by about 60%, even with other quotes on the comparison site the increases were similar.

Firstly is this normal? I'm struggling to see how my wife's driving performance will affect my motorcycling given she won't be on the policy.

Secondly are there any specialist brokers that anyone can recommend? If I can get the price down even a little it would be appreciated.

It's your claims history which is affecting the price.

Whilst your wife won't be riding the bike, the claim she had on your car policy will have an effect for some insurers.

[TiminYorkshire]

Thanks both,so the first point does seem typical, guess I'll have to pay a bit more.

With regards to the second point are there any specialist brokers I could approach prior to going with the normal comparison site?, I realize that as a returning rider I am higher risk anyway , so wasn't too surprised by the initial quotes.

[TT1138]

Highly unlikely a specialist broker will help or be any cheaper than the comparison sites. Unfortunately a returning rider jumping straight back onto a KTM 1290 is a very, very high risk for an insurer so premiums sadly will reflect this.

[PorkInsider]

I can only echo the above regarding returning riders.

I came back to bikes last summer after many years off and even at 50+ with an unblemished record for claims and convictions, the cost was eye watering.

[Mr Squarekins]

PorkInsider said:

I can only echo the above regarding returning riders.

I came back to bikes last summer after many years off and even at 50+ with an unblemished record for claims and convictions, the cost was eye watering.

Same here. However, it does drop again very quickly. I think mine was £2k (that was the cheapest) when I returned after 7 years away from biking. Following year £800, then €350.

[croyde]

Yet you can't use NCD earned on your car policy for your bike policy.

[markymarkthree]

Funny how any accident's/claims you have made in a car go against you, when returning to bikes. Yet 30 years no claims in a car will not go in your favour.
Robbing, thieving basteds.