Bike insurance
Author
Discussion

BEN66

Original Poster:

5,533 posts

241 months

Wednesday 13th February 2008
quotequote all
Silly question, but when looking at bike insurance do you have to disclose claims you've had in the past with your car insurance? I ask because when looking it asked if "rider crashed into third party" etc (not driver)
I would have thought that i'd have to disclose, but are bike and car insurances seperate with regard to claims/incidents?

I'd be gratefull if someone could clarify this for me.

Cheers

BEN66

Original Poster:

5,533 posts

241 months

Wednesday 13th February 2008
quotequote all
Anyone????

lazlong

17 posts

269 months

Wednesday 13th February 2008
quotequote all
hi I would disclose it. not too sure of the legalities, but the insurance companies will wiggle out of any claim if they can.......best to disclose and get it ignored rather than have no insurance.....just my 2p

Jolley

465 posts

266 months

Thursday 14th February 2008
quotequote all
I was asked to disclose any when i applied for mine (eBike).

randlemarcus

13,646 posts

262 months

Thursday 14th February 2008
quotequote all
mutter mutter grump. Its funny how it works that way round, but you cant transfer NCB from a car policy to a bike policy isnt it? frown

trumpet600

3,527 posts

262 months

Thursday 14th February 2008
quotequote all
Rip off bastids. I gave my details as stated on my licence and received a quote. I then told them my licence had been replaced and although I had one SP30 valid showing, two others were over 3 years old but less than 5 years and were no longer on my new licence.

It was my understanding that after 3 years SP30's were no longer valid, so why did they charge another £50?

randlemarcus

13,646 posts

262 months

Thursday 14th February 2008
quotequote all
trumpet600 said:
Rip off bastids. I gave my details as stated on my licence and received a quote. I then told them my licence had been replaced and although I had one SP30 valid showing, two others were over 3 years old but less than 5 years and were no longer on my new licence.

It was my understanding that after 3 years SP30's were no longer valid, so why did they charge another £50?
3 years valid for totting up, 4 years on your licence for consideration in future convictions (habitual speeder, you tongue out ) and five years for insurance purposes because they are all evil twunts.

Fats25

6,260 posts

260 months

Thursday 14th February 2008
quotequote all
This is an interesting one though (and I work for insurance company!).

An insurer for a bike will want to know about all accidents/claims - on any type of vehicle - however will not accept your no claims bonus for your car as acceptable for your bike. They want it one way - but will not accept the other.

However when my Mrs called up for her first bike insurance - they accepted her no claims bonus from her car (we wrote and double checked this was the case) - and she ended up with a premium of £230 Fully Comp with me as a named rider - first bike, passed test 3 months! Same company as I am insured with as well!

They have you by the balls - I want to get myself a decent car in the next year or two - but have not had car insurance since Nov 2006. I have/had full (13 years) no claims bonus on a car - and without my no claims I will never get insured on a decent car. As I am sure you all know - no claims expires if no insurance for 18 months or 2 years depending on the company you get insured with.

I have called my broker, and also a couple of direct insurers and they have confirmed that my bike insurance will not count as being insured. So I have to buy a car (that I don't need) just to keep my inurance no claims.

As I say - they have you by the balls!