Lying on Insurance or Using Rhetoric

[Adam.I]

Hello all. Now that my Bandit is pretty much ready to get on the road, I have been looking at some quotes. One of the questions asked is ‘have you had any accidents’ - the answer is yes, two, and both in a car. However, when I go in to the drop down box, it ONLY has the options for bike related accidents. So, I shouldn’t need to include my car related ones?

Also, I have sort of asked a similar question before, but, I will be probably storing the bike in my house at the back. I am going to put it down as a ‘garage’, because it is not on a driveway or the public road so, do they check, and if they did, would it invalidate my insurance? The reason I want to do it, is that it saves a massive £600 full comp. I was going to build a shed/small garage but thought better of it.
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Veni Vidi Vici

[The Shaggy D.A.]

Bottom line is any tiny detail that you've either failed to mention or used artistic licence with the description will be used to invalidate your insurance to save them paying out. They're in the business of making money, not losing it.
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Chances are quite high you are not in my Monkeysphere, and I don't care about you. Don't take it personally.
Currently : Royal Enfield 350 Meteor
Previously : CB100N > CB250RS > XJ900F > GT550 > GPZ750R/1000RX > AJS M16 > R100RT > Bullet 500 > CB500 > LS650P > Bullet Electra X & YBR125 > Bullet 350 "Superstar" & YBR125 Custom > Royal Enfield Classic 500 Despatch Limited Edition (28 of 200) & CB Two-Fifty Nighthawk > ER5

[Adam.I]

Do insurance companies share information regarding accidents/convictions? That is the only way I could think of them finding out
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Veni Vidi Vici

[Adam.I]

And for the house as a garage, then the only way they could do that would be to come and view the house.
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Veni Vidi Vici

[.....]

[Adam.I]

There is no Streetview at the back of my house which is where the bike would be stored.
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Veni Vidi Vici

[Paxovasa]

If you put garage on your policy and something happened. When the send an assessor out, they would see you don't have a garage. That gives them a reason not to pay out.

Be honest with them.
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Suzuki GSF600 K3 (in the fastest colour, black).

[Asharin]

[Nexus Icon]

Use the £600 saving to buy a metal shed.
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Greetings from Shitsville!

[Paxovasa]

I bought a brand new DT125R and had it for 3 months before it was stolen. I stated it would be garaged (which it was expect for the time it was stolen).

One night got home and someone had blocked the enterance to the garage. Parked bike in rear yard (with a chain through it). Went down later to put it in the garage, bike was gone.

The insurance sent a guy out, when I explained that It was stolen from the rear yard (I did learn an expensive lesson) as I could not park it in the garage. They used that and they did not pay out.

In the small print it stated that it would be garaged while at my home address. Went to a solicitor and they said I would not win the case.

So I lost my bike and all I got of the insurance was about 8 months worth of the policy back (£100 at the time) never got it back.

I also believe that the vehicle blocking the garage was involved in stealing the bike.

So please think carefully what you say to the insurance company when getting a policy.
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Suzuki GSF600 K3 (in the fastest colour, black).

[P.addy]

[duhawkz]

also when you get your policy cancelled for lying to them the you have answer yes to "have you ever been refused insurance or had a policy cancelled on you"

thats basically a licence to bum you even more or just not insure you full stop
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"The guy is a worthless cunt and I honestly believe I would be a slightly happier person if he died." - Chris-Red

[colin1]

It's a conspiracy to stop you ever making a claim for fear of the consequences. Bastards.

I only tell them what I think they need to know, I'm a little concerned they may be colluding against me collecting information on me that I dont have access to.

I'd be tempted to make the tenuous argument, that I have never been in an accident that was found to be my fault, and that's all they need to know.

Anything else, I might define as a collision, which I might argue is a different thing entirely.
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colin1 is officially faster than god

[ms51ves3]

[Adam.I]

I think I am just going to put it down just in case. As for the garage, I am going to say what asharin says 'stored off road'.
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Veni Vidi Vici

[Beelzebob]

[Ste]

[Adam.I]

Oddly, TPO works out £500 more expensive then TPFT!
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Veni Vidi Vici

[dragstaar]

Yeah, put "stored off road" because people's driveways do branch round to the rear of the property too. Garage means you need to have a secure building of sorts. Driveway can encompass the rear of the property too.

As for the claims, only declare them if the 3rd party put a claim in against you. for instance, I had a collision. I claimed against third party. But third party made no counter claim against me. Check up if there were any counterclaims. if there wasnt, then i wouldnt bother declaring it.

[ms51ves3]

[Ste]

You're still open to the same problems you would be if lying on a TPFT or fully comp policy.

If you end up with someone claiming against your insurance and the insurers invalidate your policy then you'd be in a lot of shit, more shit than you'd be in if your bike had been nicked and the insurers found out that you'd lied about it being garaged.

[gmanxiii]

Just in case you are using a price comparison website, a good thing to do is get your quote then ring up the insurance company and speak to them rather than taking the policy out online. I found that there was some options that wasn't shown in the online form that they could put down i.e. i originally had mine down as just "off road" as they had no option for "locked shed" to select. When i spoke to them, they added it on and it knocked some money off the original quote. Same with security devices.
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I kills hondas

VFR400NC30 > ZZR600 > CBR600FX > CBR1000rr

[locked]

When it comes to insurance, I don't lie. They will screw you over the first chance they get! Its generally a pain in the arse to make a claim anyway, why make it more difficult for yourself?
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on the look out for my next bike....
CBT Passed - 13/09/09 Theroy Passed - 19/12/09 Mod 1 Passed 04/05/10 Mod 2 Passed 14/05/10 - Free to ride ANYTHING!
Motorcycles are perfectly safe as long as you remember they're dangerous.

[ms51ves3]

[Ste]

How?

If you get caught out lying then it doesn't matter if you're TPO, TPFT or fully comp because you could end up being liable for millions of pounds.