Bike accidents on car insurance

[gemma1675]

Do you have to disclose bike accidents when renewing your car insurance?

My husband got knocked off his bike last month, he reported it to his car insurer and they weren't bothered so I didn't bother to tell mine. However now I have to renew my car insurance and I don't know what to put. It was clearly not his fault (car overtaking on a bend went straight into him ) but they have three months before they have to admit liability so it is still an open claim.

I don't think for a moment this is a new situation - so what do you normally do about bike accidents when getting car insurance - and vice versa

Thanks!
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Suzuki SV650S K5

Nobody puts baby in a corner

[Gazdaman]

I'd say you almost certainly have to tell them.

I think they'll ask you something like "Have you had any claims or losses in the past 3 years"

Maybe 5 years, not sure.

The fact you weren't at fault should help matters anyway.
Is it worth not declaring it? Only to have an accident and they find out, and wriggle out of a claim.

Gaz

[Misc]

Isn't it all on computer anyway when you have an accident?

[yambabe]

I don't see the problem, it was his bike and he has reported it to his insurance so why should it concern you?

If you were pillion on the bike at the time you will have a 3rd party claim in any proceedings but you don't need to report that to anyone. You wouldn't tell them if you had been a pedestrian and hit by a car would you?

Unless it was you knocked him off?
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Sod falling in love, I wanna fall in chocolate.

[gemma1675]

[yambabe]

Take him off then, it will probably be cheaper anyway and he can still drive your car of he has 3rd party cover for other vehicles on his own insurance.

Otherwise yes, you should tell them, they will leave it as "open" until fault has been established I think.
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Sod falling in love, I wanna fall in chocolate.

[Captain Caveman]

Honesty is your best bet, if insurance companies can find any dirt on you in a future claim so they don't have to pay out then they will find it.

If you’re honest you have nothing to fear.
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Mazda Bongo 2.5 V6 = MPG 22 0-60 Fast for a camper van...
Impreza - somewhere between the two.....
R1 = MPG-who cares 0-100 Slightly faster......

[gemma1675]

[yambabe]

I don't think they will up your premium for a claim, only for a loss if I remember correctly.

In 2004 I had 3 accidents in my car within 15 months, 2 of which weren't my fault and one was, but the one that was was me backing into a stationary vehicle and just scratching and denting it a bit.

The insurance then got really confusing cos at the time I was named driver on the other half's car policy and didn't have my own, but I had my own bike policy.

Started my own car policy just after and this is how it stands at the moment:

His car policy - shows all 3 of my accidents as he was policy holder at the time and I am still a named driver, 2 as "no fault" and one as "no loss" - premium not altered.
His bike insurance (him only) - doesn't show any of them, although reported to them. No premium change.
My bike insurance (me only) - doesn't show any of them although reported to them. No premium change.
My car policy (me only) - shows the 2 "non-fault" claims but not the fault one although reported to them because although I was the driver I was not the policy holder! So no premium change.

Best thing to do is tell them and wait to see what happens I suppose........
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Sod falling in love, I wanna fall in chocolate.

[gemma1675]