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freestyler_onli
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Joined: 08 Nov 2004
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PostPosted: 16:56 - 15 May 2017    Post subject: No Claims - No Chance! Reply with quote

A few years off the grid but now I'm back on the forums..... Cool


Just a quick one:

I haven't had a bike for nearly 3 years and as such, believe that my No Claims that I spent years racking up have now expired!

Is anyone aware of a bike insurer who will honour this and maybe provide a discount in lieu of the claims expiring?
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M.C
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Joined: 29 Sep 2015
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PostPosted: 17:20 - 15 May 2017    Post subject: Reply with quote

MCE will honour whatever no-claims you tell them you have Wink
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freestyler_onli
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Joined: 08 Nov 2004
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PostPosted: 17:21 - 15 May 2017    Post subject: Reply with quote

Haha, yeah there was that option...... Wink
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 17:42 - 15 May 2017    Post subject: Reply with quote

M.C wrote:
MCE will honour whatever no-claims you tell them you have Wink


Until you need to make a claim and need to send them the ncb proof. At which point, they'll tell you to fornicate off.

Worth remembering if the value of the bike is such that you might want to claim if the worst happens.
____________________
Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)
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M.C
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Joined: 29 Sep 2015
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PostPosted: 17:51 - 15 May 2017    Post subject: Reply with quote

Monkeypony wrote:
M.C wrote:
MCE will honour whatever no-claims you tell them you have Wink


Until you need to make a claim and need to send them the ncb proof. At which point, they'll tell you to fornicate off.

Worth remembering if the value of the bike is such that you might want to claim if the worst happens.

Really? I'm 99.9% sure I didn't need to come claim time*, I can double check to account for any margin of error.

*although I wasn't claiming of my own insurance
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 18:44 - 15 May 2017    Post subject: Reply with quote

M.C wrote:

Really? I'm 99.9% sure I didn't need to come claim time*, I can double check to account for any margin of error.

*although I wasn't claiming of my own insurance


I'm 100% sure that I had to back in January when the first RSV4 got totalled!
____________________
Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)
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M.C
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Joined: 29 Sep 2015
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PostPosted: 20:46 - 15 May 2017    Post subject: Reply with quote

Monkeypony wrote:
M.C wrote:

Really? I'm 99.9% sure I didn't need to come claim time*, I can double check to account for any margin of error.

*although I wasn't claiming of my own insurance


I'm 100% sure that I had to back in January when the first RSV4 got totalled!

I'm 100% sure as well (just checked) I didn't. Were you fully comp', claiming off our own insurance until the claim was settled?
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 21:14 - 15 May 2017    Post subject: Reply with quote

M.C wrote:

I'm 100% sure as well (just checked) I didn't. Were you fully comp', claiming off our own insurance until the claim was settled?


Yup.

They also sent me a copy of my claims history from some database or another, so they'd obviously verified my 'No accidents or claims in 5 years regardless of fault' info too.
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Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)
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M.C
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Joined: 29 Sep 2015
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PostPosted: 22:46 - 15 May 2017    Post subject: Reply with quote

Allegedly they're hot on claims history now*, might be because I was F&T and claiming off the other person I didn't need to provide proof, maybe it was an oversight.

*couple of years ago I declared an unsettled claim as non-fault, ended up going split liability as well Shifty
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TheArchitect
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Joined: 26 Dec 2013
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PostPosted: 09:42 - 16 May 2017    Post subject: Reply with quote

/thisthread

food for thought Very Happy
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freestyler_onli
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Joined: 08 Nov 2004
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PostPosted: 14:03 - 16 May 2017    Post subject: Reply with quote

Well, some useful advice here!


MCE said that they will honour the expiry for up to 3 years and my old insurers are sending me proof of No claims.

All I have to do is go out and get some old bucket with an MOT and tax and I'm all set!

Boom!
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M.C
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PostPosted: 15:28 - 16 May 2017    Post subject: Reply with quote

Nice, I guess it shows sometimes it doesn't hurt to ask. The rest of the time don't ask don't tell Folded arms
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woo
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Joined: 14 Feb 2005
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PostPosted: 16:33 - 16 May 2017    Post subject: Reply with quote

aint seen you on here in ages!

welcome back
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TheBikerStig
Crazy Courier



Joined: 15 Dec 2011
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PostPosted: 23:44 - 22 May 2017    Post subject: Reply with quote

Monkeypony wrote:
M.C wrote:
MCE will honour whatever no-claims you tell them you have Wink


Until you need to make a claim and need to send them the ncb proof. At which point, they'll tell you to fornicate off.

Worth remembering if the value of the bike is such that you might want to claim if the worst happens.



They will tell you to fuck off. We are adults here, you can say it. FUCK.

As for the value of the bike, irrelevant if your on TPO. If the worst happens your dead anyway. Lets face it, we mostly buy insurance purely to keep ourselves from being arrested or something. Who here can honestly say they buy insurance purely for "should the worst happen"? Life doesnt live that way, hence insurance needs to be a legal requirement.

It doesnt work out anymore expensive to cover your own losses yourself in the long run. By claiming, insurance premiums will rise substantially so I heard. Given how much vehicles depreciate, the likelihood of payout and the amount you will be paid, I believe its cheaper to just not claim.

Like casinos, if it was beneficial to get money off insurance, then insurance would not be a viable business, they need to make a profit somehow. They are still cunts tho.
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Some say that he is the sole survivor of Atlantis, and that he refused to speed test a new Hayabusa this morning simply because there was no milk for his Brexit. All we know is hes called TheBikerStig.
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 06:43 - 23 May 2017    Post subject: Reply with quote

TheBikerStig wrote:


They will tell you to fuck off. We are adults here, you can say it. FUCK.


When you're an adult, you understand the difference between being able to do or say something, and HAVING to do or say it.

TheBikerStig wrote:

It doesnt work out anymore expensive to cover your own losses yourself in the long run. By claiming, insurance premiums will rise substantially so I heard. Given how much vehicles depreciate, the likelihood of payout and the amount you will be paid, I believe its cheaper to just not claim.

Like casinos, if it was beneficial to get money off insurance, then insurance would not be a viable business, they need to make a profit somehow. They are still cunts tho.


I'm waiting with baited breath to hear your explanation as to how it would have been cheaper for me to cover the total loss of a 16 thousand pound motorcycle myself, rather than claiming for it through my insurance.

Just in case you can't be bothered to do the maths, even if my premium increased by £200 per year as a result (which it hasn't) and stayed that way for the rest of my life (which it wouldn't), it would take 80 years until it I'm saving money by not claiming Laughing

Dozy fucker. Wink
____________________
Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)


Last edited by Monkeypony on 11:17 - 23 May 2017; edited 1 time in total
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Tracer1234
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Joined: 13 Sep 2014
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PostPosted: 11:15 - 23 May 2017    Post subject: Reply with quote

Monkeypony wrote:


Just in case you can't be bothered to do the maths, even if my premium increased by £200 per month as a result (which it hasn't) and stayed that way for the rest of my life (which it wouldn't), it would take 80 years months until it I'm saving money by not claiming Laughing

Dozy fucker. Wink


FTFY
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Riding: Yamaha MT-09 Tracer Occasionally Riding: 08 Suzuki SV650, Potato: 2011 Yamaha YBR Custom.
Used to ride: 2015 Yamaha MT-09 Tracer (smidsy) 09 Triumph Street Triple (P/X'd) 08 Yamaha YBR (Sold)
CBT 04/14. A: Mod 1 & 2 13/04/15
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 11:18 - 23 May 2017    Post subject: Reply with quote

Nathan0834 wrote:
Monkeypony wrote:


Just in case you can't be bothered to do the maths, even if my premium increased by £200 per month as a result (which it hasn't) and stayed that way for the rest of my life (which it wouldn't), it would take 80 years months until it I'm saving money by not claiming Laughing

Dozy fucker. Wink


FTFY



Laughing Corrected myself. 80 years. Not sure anyones policy has ever gone up £200 per month!! Laughing
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Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)
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stevo as b4
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Joined: 17 Jul 2003
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PostPosted: 18:34 - 23 May 2017    Post subject: Reply with quote

Buy yourself a classic bike, and insure it on a purpose classic policy possibly with a limited mileage agreement. It depends on the insurer if they class classic bikes at 20 years old or 25years old. Either way most classic insurance policies don't require any NCB or even allow you to carry NCB across from previous policies as they don't require it.

You can't obviously do the above if your bike is going to be a daily ride to work and all season commuter or is used for business etc.
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monty9120
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Joined: 24 Feb 2016
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PostPosted: 19:08 - 25 May 2017    Post subject: Reply with quote

Monkeypony wrote:
TheBikerStig wrote:


They will tell you to fuck off. We are adults here, you can say it. FUCK.


When you're an adult, you understand the difference between being able to do or say something, and HAVING to do or say it.

TheBikerStig wrote:

It doesnt work out anymore expensive to cover your own losses yourself in the long run. By claiming, insurance premiums will rise substantially so I heard. Given how much vehicles depreciate, the likelihood of payout and the amount you will be paid, I believe its cheaper to just not claim.

Like casinos, if it was beneficial to get money off insurance, then insurance would not be a viable business, they need to make a profit somehow. They are still cunts tho.


I'm waiting with baited breath to hear your explanation as to how it would have been cheaper for me to cover the total loss of a 16 thousand pound motorcycle myself, rather than claiming for it through my insurance.

Just in case you can't be bothered to do the maths, even if my premium increased by £200 per year as a result (which it hasn't) and stayed that way for the rest of my life (which it wouldn't), it would take 80 years until it I'm saving money by not claiming Laughing

Dozy fucker. Wink


doesnt work if you cant afford an expensive bike though? wish we could all buy new bikes
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Monkeypony
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Joined: 21 Sep 2011
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PostPosted: 20:56 - 25 May 2017    Post subject: Reply with quote

monty9120 wrote:


doesnt work if you cant afford an expensive bike though? wish we could all buy new bikes


I'm genuinely unsure what your point is old chum.

If you're saying that you have to say fuck at every opportunity if you don't have an expensive bike, then I've really got no answer for that I'm afraid. If you're saying that it is not worth claiming on insurance unless you have a new expensive bike, then how about this as a more modest example...

Your £5k (value, not what you paid for it) bike has just been written off. Is it cheaper to:

A) Chuck it in the bin and move on, spend £5k from your savings on a replacement.

Or,

B) Claim against the premium that you've paid good money for to replace the bike.

If you go for option B, maybe your premium will increase a bit.

If it increases by £100 per year for the rest of your life (which it wont) It will be 50 years until you've reached the point whereby it would have been cheaper to just replace it yourself.

Bit of a no brainer really.
____________________
Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)
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Old Thread Alert!

The last post was made 6 years, 308 days ago. Instead of replying here, would creating a new thread be more useful?
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