Informing insurance??

[pepperami]

Hmmm I need sage advice or failing that BCF opinion please.

A couple of months ago I had the worlds slowest and tiniest accident in the car.
Short story: I bumped the car in front of me at about 3mph max at a junction.
The result of this was absolutely no damage to my car and I could see no damage to her car (I took photos straight away).
I asked all her passengers if they were okay and they all said yes .
Nobody started holding thier neck or any of that nonsense.

However the other driver informed that she WILL be informing her insurers.
When I got home I inform my insurance company.
I haven’t heard a thing since, no e-mail, phone call or letters.

My question is oh mighty BCF, is do I need to tell my bike insurance company about this when I renew my bike insurance?
The reason I ask is bikes.....cars different insurance companies.....different modes of transport.
Apparently no actions taken?
____________________
I am the sum total of my own existence, what went before makes me who I am now!

[JackButler]

[Polarbear]

I wouldn't bother myself but I wouldn't have told my car insurers either for that.
____________________
Triumph Trophy Launch Edition

[pepperami]

[Freddyfruitba...]

[The Shaggy D.A.]

I once had my bike insurance cancelled because of an "undisclosed accident". There was no accident, I pushed for more details as to why they thought there was, and they replied they couldn't say. I asked what vehicle I was supposed to have had the accident in, and they finally let me know it was my Golf. Which I have never had an accident in. More pushing, and I got a date out of them.

I'd had a stonechip repaired by Autoglass.

Notify them in the slightest, they'll hold it against you.
____________________
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

[Freddyfruitba...]

[pepperami]

[The Shaggy D.A.]

[duhawkz]

Did you tell them you'd had a policy cancelled?
____________________
"The guy is a worthless cunt and I honestly believe I would be a slightly happier person if he died." - Chris-Red

[Riejufixing]

[MCN]

ANY Accidents, Claims and/or Convictions within the last 5 years.

Whether they do anything about it (Load the policy or refuse cover) is up to the insurer/broker.

Having insurance refused or canceled is an issue too....

The bastirts..
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Stalk]

The other way around, parked bike damaged in hit and run, claimed on my insurance. Insured car and disclosed claim to be told that it didn’t matter as it was bike related and wouldn’t affect the car. Also disclosed when renewing the insurance on the tin snail, was told it wouldn’t effect the policy, but don’t have another accident as it then would. Both Aviva.

I would tell them personally

[ThunderGuts]

It's probably on the database - I'd tell them. Unlikely to have much, if any, effect on your premium. In reality it'll probably move you into a slightly higher risk group (as someone who's had a bump is probably statistically more likely to have another, irrespective of the mode of transport).

Frustrating, but not as frustrating as being involved a significant claim and your insurer pulls out leaving you personally liable for all costs (plus criminal charges such as riding without valid insurance etc. etc.).
____________________
TG.

[Nobby the Bastard]

[Bhud]

[mistake - didn't read properly]

[Polarbear]

[Ste]

In theory yes, in practise I don't think there are any examples of that happening.

[stinkwheel]

Depends how they ask too. You may be able to make them ask in a convenient manner:.

"Any accidents or claims in the last 5 years?"

"Bike accidents?"

"Yes."

"No. None."
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[ThunderGuts]

[bhinso]

^^ true.

Does farting and following thru count as an 'accident'?

[Ste]

Only if you were on your (motor)bike at the time.

[MCN]