Probably stupid insurance question

[UnspeedySam]

So it's that time again and I need to renew the insurance on my ZZR. Express sent me a renewal price of £290 but on the back it says 1 year no claims and no accidents.

Unfortunately in April a van driver hit me, then in December it went to court and the judge found 100% in his favour...despite him swearing multiple times and having no evidence. (Not that I'm bitter or anything).

I called the underwriters today and they told me that it has been reopened for some reason although nothing has been paid out. They have no details of why it has been reopened.

Basically my question is whether Express have to honour the £290 price and whether my no claims is still valid as it says on their bit of paper? I'm pretty damn confused as to when you get to keep the no claims on a TPFT policy.

Cheers

Quotes online for an unsettled claim come out at about £500 TPFT.
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Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

[arry]

They won't have to honour it if it's not correct - it's your responsibility to check it and any details that are wrong need to be reported

NCD works on a step back basis generally, so any more than 3 years, you lose 2 years for one claim. Ie if you had 4 years, you'd step back to 2. Level of cover doesn't affect NCD scaling back.

[Alpha-9]

Insurance is such a conniving bag of flaccid donkey dinks


Pay for it so everyone's protected, then they bribe you to never claim with otherwise high premiums.

Such a con
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Fzr-600 1999

[UnspeedySam]

Someone told me that third parties claiming off you doesn't affect your NCD. You have to claim off the F&T part to lose it. Is this utter bs?

I had 0 years NCD before...so if the above is crap then I guess I still have 0 and have to declare a non-settled accident?
____________________
Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

[arry]

[UnspeedySam]

I was pretty sure that would be the answer. It's just a crap situation as in my eyes the van driver should be paying for the damage HE did to MY bike...

One more question, as the van driver's insurance isn't paying out, is my bike still a Cat C? They had an 'inspector' come out and look at the bike shortly after the accident.

Probably won't be able to afford to insure the ZZR and the Bros this year then. Will call up and see if I can get a decent deal on a multi-bike policy.
____________________
Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

[arry]

[UnspeedySam]

Thanks. I think I've exhausted my supply of silly questions for the day. Now to spend the week trying to beat insurance companies down on price...
____________________
Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

[Kwaks]

Its your insurance, demand to know why the case is reopened. Although by what you put down you won't have any NCB anyway. If the judge ruled against you the case should be settled and closed by now.
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Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[neil.]

Going through something similar - had an accident last April, I claimed against the other driver through a claims management company (referred to them by my insurers as I'm only TPF+T). It's going to court this April, so it's still in dispute now and I should have only 1 year NCD (reduced from 3) until it's resolved...

So now it's time for me to renew and my insurers are saying as far as they're concerned, the case is closed and I have my full NCD, which will be 4 years. They didn't seem to want to co-operate when I told them that was incorrect either and I need them to change their records, so I'm wondering how I actually get them to do this. I do not want to get shafted because of someone else's incompetence. Sorry for the thread-hijack, but you're not the only one going through this moronic crap.
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CBT February 2008 | A2 June 2008 | Yamaha YBR125 (written off) | Honda CBF125 (current)

[arry]

[neil.]

Liability is being disputed, as well as them saying the claim is excessive (hire bike charges etc). It's less than £5k and I have no injuries - my bike was written off and I am claiming for some of my kit as well...

They have the accident on record and say it was settled a few days later - I assume they haven't been informed by the claims management company that it was going to court. There has been no counter-claim from the other driver.
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CBT February 2008 | A2 June 2008 | Yamaha YBR125 (written off) | Honda CBF125 (current)

[arry]