Do I have to tell my insurance company?

[BillyJ]

A women smashed her car into my parked bike essentially.

If i get the money for repairs etc from her, do I still need to inform my insurance?

If so, doesn't that mean that any time someone has a minor incident with any other vehicle they have to inform them?
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Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[Wafer_Thin_Ham]

No, you're claiming for her insurance. No problem.
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My Flickr

[tbourner]

You're supposed to, but in reality it will just cause issues for both of you.

You just have to make sure she doesn't tell hers, otherwise yours will find out and you'll be told off - not sure what extent this kind of telling off goes to mind.
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Trev, now a biker?
Looking for first big bike.

[BillyJ]

OK, there was another car hit by her as well, I think has my details (the police gave them to her) and therefore i am very liable to be sniffed out by my insurance company.

Does it go down as incident - no claim made and then claim cost £0?
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Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[BillyJ]

And does that mean just because I am an innocent victim of SH*T driving that I'm gonna be shafted by insurance company's for the next 5 years?
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[tbourner]

[BillyJ]

[dydey90]

I'm still having to declare an accident that happened in 2010 where some fuckwit gentleman who lacked certain skills managed to write off my car. Not my fault, I couldn't have prevented it yet I still had to pay an additional £300 per year for the privilege of receiving a payout at no cost to my insurer.
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[tbourner]

[Wafer_Thin_Ham]

[BTTD]

If she's damaged more than one vehicle isn't she more likely to go through insurance. Two cash payouts for repair is surely going to exceed her excess by enough of a margin to not make it worth her while?

[BillyJ]

[dydey90]

Maybe it'd be better to go through insurance then...

Or get it repaired yourself, bribe the garage into putting twice the actual cost on the receipt and make a tidy profit.
____________________
This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[Rogerborg]

[iooi]

[BillyJ]

On the phone with them now (On hold), apparently I paid for legal assistance which is a god send now and may be able to recover all costs from her side without affecting my no claims... nice

Edit: So yes, she has insurance.
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[P.]

I don't buy this whole "legal cover" and "helmet and leathers" business

Any insurance company worth their salt would realise that a crash that was not your fault would have impacted what you were wearing and put that cost to the other side. I've never had legal or "contents" cover on a bike, yet I've always got the stuff back, or money to the pieces value.

[arry]

[arry]

[Dave70]

I've been involved in two non fault claims, both of which my insurer has initially paid out on and recouped the costs from the other side.

Neither of these has effected my premium in any way.

Even when I got 4 points for a speeding offence, my insurance has only increased by £6 this year.

[beardface]

[gavbriggs]

So if you forget to put the side stand down in the garage and just walk away do you report that to the insurance?

If you drive into it with your car do you report that? If they are paying from their own pocket then there is no need to involve insurance at all.

If she tells her insurance you need to tell yours but tell them you are claiming from her nsurance and not your. Specifically tell them you do not want to claim against your policy at all. You also need an admission of full liability from her insurance and a statement from your insurance that it does not affect your no claims status.

I had it when a named driver was hit, the other party admitted full liability but my bike insurance found out about it and put my insurance up. I got the statement from the insurance and they backed down as full liability was admitted and all costs recovered from the other party!

Also they will try to fob you off but stick with it!

[kawakid]

Because I knew i'd be shafted I have avoided totally the insurance route.
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I've a twin and a 4.

[Rogerborg]

[arry]