Insurance question

HopmanUK · Two Stroke Sniffer Joined: 10 Aug 2009 Karma :

Don't know if this is a stupid question, but...

If I have an accident on my bike & make a claim, do I need to inform my car insurance about it?

jay12329 · Dr. Evil Joined: 02 May 2003 Karma :

Technically on renewal you should state you have made a claim.

But they don't care if you have 10 million claim free years on a bike so why should you tell them if you've had a bump on a bike which in no way says anything about your car driving.

HTH
J

L4Isoside · World Chat Champion Joined: 08 Mar 2010 Karma :

I haven't told either my car insurance or my bike insurance about claims from each other (i.e car insurance being informed about a claim on the bike) but come renewal I will.

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

There is probably a statement in your documentation that implies you should.

Could risk not getting a payout if you don't and need to claim, they are slippery barstewards and if they can avoid paying out they certainly will do.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Yes, you do have to tell them... I've recently got bummed for not doing so!

I highly recommend you do mate...

HD · World Chat Champion Joined: 16 Dec 2009 Karma :

So, I am going to be insuring my Derbi soon with MCE, hopefully as I have heard they are very cheap and plenty of mates use them.

Question is as I have been searching quotes on Go Compare, they have the option for 'De-restricted' and 'performance exhaust'.

Obviously my bike is de-restricted and one part of me says I should click this option, doesn't change my quote. This is however, illegal and does not correspond with my licence. I could put the exhaust on too, but whats your opinion.

And, there are options like handlebars and stuff and I have got a pair of renthals on mine but do I really need to list this?
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Rusty '02 Vito Camper + CBR600F3

Bloke · Crazy Courier Joined: 06 Aug 2010 Karma :

If you are riding not in accordance with your licence you won't be covered anyway so you could put down that you ride a chocolate teapot for all the difference it'll make.
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2008 VFR800 VTEC

P. · Red Rocket Joined: 14 Feb 2008 Karma :

stirlinggaz · World Chat Champion Joined: 22 Jul 2007 Karma :

wouldnt tell them about de-restriction though, think of how many rs125's you see on l-plates, most of them are f/p.
would definately tell hem about any prior claims, simply because they will try anything to avoid paying out,
cheers,
GAZ

L4Isoside · World Chat Champion Joined: 08 Mar 2010 Karma :

HD · World Chat Champion Joined: 16 Dec 2009 Karma :

Sorry, meant to create another thread Embarassed

Anyway, yes I do have the original parts (exhaust and bars etc.)

So you think I should stick on the exhaust but not the derestriction? (My exhaust comes restricted as standard anyway - Metrakit thrower)

Or just not declare it but what if I end up in hospital and then I can't swap teh exhaust?

And the bars/new light/new brakes?

Thanks for teh help Mr. Green

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Rusty '02 Vito Camper + CBR600F3