Claim on bike insurance - lose car no claims?

[FunkyNige]

Had a bit of an off this morning (the back tried to overtake the front slowing down for a junction, almost like I was on half throttle when changing down) and have broken some expensive bits. I'm trying to decide whether to claim on the insurance or not.

Obviously I'll have to pay the excess and lose my bike no-claims, but will I also lose my car no claims?

[Taita]

Not sure on the bike, but glad you are in 1 piece

Rev match

[MrsMiggins]

No you won't, unless you have one policy that covers both vehicles with one lot of NCD. It's more likely that you have 2 policies with 2 separate NCDs you have built up separately, so a claim on 1 doesn't affect the other.

You will have to tell your car insurer about the accident.

[black-k1]

While you may not loose your car no claims discount you will likely get an additional policy loading at renewal time which means your car insurance will cost you more! This policy loading may last for a couple of years which, in addition to the lack of no-claims and the additional policy loading on the bike may actually work out more expensive than the cost of the repairs.

If you want to confirm that there is a difference, go onto the likes of confused .com and put in the renewal details for you car without declaring the expected bike claim, then try it having added the expected bike claim (but the same no claims period) and see what the difference is.

[balls-out]

black-k1 said:

While you may not loose your car no claims discount you will likely get an additional policy loading at renewal time which means your car insurance will cost you more! This policy loading may last for a couple of years which, in addition to the lack of no-claims and the additional policy loading on the bike may actually work out more expensive than the cost of the repairs.

If you want to confirm that there is a difference, go onto the likes of confused .com and put in the renewal details for you car without declaring the expected bike claim, then try it having added the expected bike claim (but the same no claims period) and see what the difference is.

You're probably safe with Confused, but beware doing this with any insurers. they record what you put in. So when people see how much extra it adds by admitting their history and then remove it, the insurance company get suspicious.
You should disclose an accident if you claim or not, although if you don't claim its hard to see how you might get caught out.

[black-k1]

balls-out said:

black-k1 said:

While you may not loose your car no claims discount you will likely get an additional policy loading at renewal time which means your car insurance will cost you more! This policy loading may last for a couple of years which, in addition to the lack of no-claims and the additional policy loading on the bike may actually work out more expensive than the cost of the repairs.

If you want to confirm that there is a difference, go onto the likes of confused .com and put in the renewal details for you car without declaring the expected bike claim, then try it having added the expected bike claim (but the same no claims period) and see what the difference is.

You're probably safe with Confused, but beware doing this with any insurers. they record what you put in. So when people see how much extra it adds by admitting their history and then remove it, the insurance company get suspicious.
You should disclose an accident if you claim or not, although if you don't claim its hard to see how you might get caught out.

You could put your own name and address into confused but isn't that what a hotmail account and an address just down the road is for .....

[Hyperion]

Any accident on any vehicle on any policy will affect your 'risk rating' come renewal time and both policies will be loaded.

Edited by Hyperion on Wednesday 2nd July 08:53