Accident this morning

[chris___]

Had my first off this morning
Basically the car in front got cut up on a roundabout, slammed the brakes and I hit him. Fairings are cracked and brackets are bent so guessing the bike is a write off.

The problem is, Im covered but my policy is Social and domestic pleasure and my details are an unemployed full time student. Ive only just got a job for summer and hadn't informed my insurer of my change of circumstances. Any ideas of whats likely to happen? Not expecting any kind of pay out on the bike anyway because of excess and Im TPFT and seeing as I hit a vehicle from behind Im instantly liable.
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Yamaha rxs100 > Kawasaki ZZR600 > Kawasaki ZX6R > Honda Hornet 600 > Honda Bros 400 > Suzuki SV650S K2
Bikepics page

[covent.gardens]

Meh, it's usually the case that if you're unemployed you pay MORE. So you getting a job might not have caused an increase in premium anyway. Don't mention it to them whatsoever. Keep quiet and don't say you were driving to work if you don't have commuting. As you're not claiming yourself and you know you're going to be found at fault, keep your communication and cooperation to a minimum.

[CaNsA]

words mean nothing.

we only understand ms paint pics.

[c_dug]

You weren't on the way to work though, were you?

I thought you were on the way to Tesco, no?
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[chris___]

[chris___]

https://www.google.com/maps/@52.9389009,-1.216687,60m/data=!3m1!1e3

You can see here approaching the roundabout from the left of the picture, the right lane is right turn only. The car decided last minute he was going straight on so the car in front of me had to brake hard and I had nowhere to go.
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Yamaha rxs100 > Kawasaki ZZR600 > Kawasaki ZX6R > Honda Hornet 600 > Honda Bros 400 > Suzuki SV650S K2
Bikepics page

[blueglue]

[Snorty]

[c_dug]

It's up to them to prove you weren't on the way to Tesco, not up to you to prove anything at all. You could, of course, just have been out for an early morning ride before work.

If you did happen to be commuting on a policy that doesn't cover you to commute, I believe they will settle the 3rd party side of the claim as per usual, and then can seek to recover the costs of the claim from you afterwards, whether they bother or not is another question.

Given my trust of insurance companies to try and extract every penny out of us, I think I would have been going shopping on this occasion.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[map]

[The Disapproving Brit]

[Rogerborg]

The karma you get from manning up and accepting liability more than counters any misrecollection about the purpose of your trip.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[CaNsA]

Still no paint pic?

[fatjames]

You're only commuting if you make it to work...

[mathewculver]

Insurance doesn't become invalidated over such minor details

Say for example, you get the date of birth wrong (by days or a month) on your policy, or you put slightly the wrong employment information, this does not invalidate your policy. Worse to worse, the difference between your current premium and what the premium would be if the information was correct, would be taken from the claim

There's more information about this on the insurance ombudsman website

[Ariel Badger]

OP you should hang your head in shame. 9 years on BCF and presumably 9+ years of riding and this is your first crash? Should be trying harder.
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Bikers make great organ donors, get 115 on your licence today.

[Chuffin Nora]

[P.addy]

[dodsi]

Yeah, you don't want advice from this one on track riding.

[Rogerborg]

[dydey90]

[Mez]

As implied above (sort of), insurers will argue that you were not covered for that nature of riding and will get out of paying etc. It does say on just about every insurance doc I've ever possessed that false details MAY result in invalidated cover, irrespective of the size of detail (minor, major, what?). I would absolutely not take that chance.

So what did you get from Tescos?
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My deviantArt gallery - My Youtube profile
Honda CG125 -> Baotian BT49 -> AJS JS125 -> Honda CG125-> Kawasaki ZL400 -> Kawasaki GPZ500

[The Disapproving Brit]

[Rogerborg]

[arry]