Insurance - returning to biking and wife's car claim
Discussion
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.
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.
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.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.
Whilst your wife won't be riding the bike, the claim she had on your car policy will have an effect for some insurers.
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.
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.
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.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.
My Wife had a non-fault accident as a named driver in my car but because the delivery truck driver and his mate claimed it wasn't their fault, likely to keep their jobs (they hit and then scraped down the side of the car which she had stopped on the verge as the road isn't wide enough to pass and they didn't give her time to reverse) so it went through as a 50/50 - there was no visible damage to the truck.
Not only did my car insurance increase on 2 cars but also my bike insurance (only me on policy). I couldn't understand the logic that a named driver on my car insurance having an accident made me, as a bike rider more of a risk but that's what they said.
There were apologists on this forum, explaining/excusing it at the time but it's just wrong.
When all was finished with the extra insurance premiums I paid, it would have been cheaper to just get the car repaired.
Not only did my car insurance increase on 2 cars but also my bike insurance (only me on policy). I couldn't understand the logic that a named driver on my car insurance having an accident made me, as a bike rider more of a risk but that's what they said.
There were apologists on this forum, explaining/excusing it at the time but it's just wrong.
When all was finished with the extra insurance premiums I paid, it would have been cheaper to just get the car repaired.
The fact that we accept car claims should be disclosed on bike insurance still bugs me. They wouldn't let me use car no claims on a bike policy but want to know car history????
So, does my home insurance claim history come into context?
More proof that you are damned no matter what you do.
So, does my home insurance claim history come into context?
More proof that you are damned no matter what you do.
Have a similar situation re: insurance:
Both mature (mid 40s) "new riders" with ~12 months 125cc riding on CBT prior to DAS.
Having just passed I decided, probably stupidly, to go for my dream bike first off to get it out of my system. Bought a '13 GSX-R600 and taken out a policy at £308 FC with a low excess and all the bells and whistles... Helmet/gear cover, ride other bikes, etc. Bargain!
Wifey however bought a '24 Ninja 500, Even though it has the looks, is only a sedate parallel twin, with ~45bhp. She didn't want anything ludicrous and weighs about as much as two packets of crisps, so probably doesn't need it!
I was shocked however at how much her insurance was coming back at. Around £550 FC! The only thing she has different (other than gender!) is a No Fault claim back in '23 from when a postman drove into her car. Does this really have that much of an impact? I was expecting a price of no more than £~250!!
Are there any specialist brokers that it could be worth contacting as currently only used the normal comparison sites?
Both mature (mid 40s) "new riders" with ~12 months 125cc riding on CBT prior to DAS.
Having just passed I decided, probably stupidly, to go for my dream bike first off to get it out of my system. Bought a '13 GSX-R600 and taken out a policy at £308 FC with a low excess and all the bells and whistles... Helmet/gear cover, ride other bikes, etc. Bargain!
Wifey however bought a '24 Ninja 500, Even though it has the looks, is only a sedate parallel twin, with ~45bhp. She didn't want anything ludicrous and weighs about as much as two packets of crisps, so probably doesn't need it!
I was shocked however at how much her insurance was coming back at. Around £550 FC! The only thing she has different (other than gender!) is a No Fault claim back in '23 from when a postman drove into her car. Does this really have that much of an impact? I was expecting a price of no more than £~250!!
Are there any specialist brokers that it could be worth contacting as currently only used the normal comparison sites?
Gassing Station | Biker Banter | Top of Page | What's New | My Stuff