Declaring bike claims on car insurance?

[daz_d_biker]

As per title. Do I have to declare my motorbike claim when I renew my car insurance? I've never done it before now but a couple of people who I have asked have said that I need to.

Anyone here know for sure? I have a feeling if I ask the insurance company, the person on the phone will not know and just say that I do have to declare it to them.

Cheers, Daz.
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"bikes are replaceable - but a complete nutter aint."

[Imonster]

We got a quote for a car recently, and declared my girlfriends motorcycle theft claim as it stated along the lines "have you had any motor claims in the last five years."

Had it asked "have you had any car claims in the last five years" I would have answered no.
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Those who make peaceful revolution impossible will make violent revolution inevitable.

[ms51ves3]

As Imonster said, depends how they word it.

[MarkJ]

I've always told them which ones have been car/bike. Admiral and a few others don't count bike claims on their car insurance policies (but check this first)

[lihp]

Quite amazing really , there risk profile doesn't account for bike no claims, but will happily account for bike accidents, thieving cnuts!

[ms51ves3]

[Polarbear]

I like the ones for car insurance that ask 'When did you get your full licence' rather than 'When did you get your full CAR licence'.

I got a full bike licence in 1977 and a full car licence in 2007. It makes a shed load of difference to my car insurance and I haven't lied.
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Triumph Trophy Launch Edition

[headlamp]

Never have done and vica versa
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Using a mobile phone while driving a car should be made a capital offence!

[swiftb]

Ive never had any claims to declare until recently - a woman drove into my mrs who was minding her own buisness driving our car.
My mrs is a named driver on my policy. Ive never claimed in my 13yrs on the roads. Even though this was 100% blame accepted by the woman - it still is classed as a claim against me and my blemish free record. Thank fuck I had protected no claims!
Because some dumb fucking bint drove into the side of my mrs, Im now considered more at risk of smashing my bike up according to insurance companies. - im now paying more not only for my car insurance - but my bike insurance too.
As you can tell im not bitter, but I hope all insurance ceo's rot in hell, prefereably slow and painfully.
But in short - yes you do have to declare it - as much as it pains to do so.
And you wonder why theres so many people who stick two fingers up and dont bother paying insurance.

[Acemastr]

If they won't let me use my NCB between car and bike.. they can fuck off if i'd tell them about claims for one another
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[P.]

They cancelled my bike policy as I said nothing about my car claim. Now I have to tick the 'have you ever had insurance cancelled' box.

I'd do it regardless now.. I'd rather they pay out when I do have an accident

I tell car about bike and bike about car...

[Acemastr]

[swiftb]

[ms51ves3]

[swiftb]

I havent been involved in any accidents- but even though it was my mrs who got driven into, I still have a claim according to insurers. I asked a few different insurers about this fact as i was totally bemused about it at the time, i even consulted a lawyer and as said, to my knowledge the following applies:

I have to declare a claim for the accident that I wasnt even involved in. This is due to me being the main policy holder and if I dont involve my insurance I am still 'claiming' from the 3rd parties insurance. So as far as insurers are concerened its still a claim.

I actually used my own insurance as it was much quicker to do this and didnt have any effect on the outcome of the claim.

One thing I did say in my last post was thankfuk I had no claims protection. I dont think that would of mattered in the end as if the accident is considered 100% non fault then it doesnt affect my no claims.
So I havent claimed from my insurance - but technically I have claimed against somebody elses insurance to repair my car - and its this technicality that the companies use in their very broad and open to interpretation statement " have you had any claims in the last 5yrs" etc.

[P.]

Have to declare, fault or not.
It always asks if driver/rider being yourself was at fault or not.

I've got 10 claims, all non fault going from £2000 up to 6 figures... You do need to declare otherwise your insurers can find out.. Cue my bike policy being cancelled by Aviva on my CBR...

[metalangel]

Yes mention it. If possible, phone them and explain to them that it's NOT for the vehicle (car) you're insuring but on your seperate bike policy.

Insurers are bastards, though. I had one excellent quote become invalid because I had too many claims, even though most weren't my fault.
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Previous: 2002 Honda CB500 (sold), 2007 Suzuki SV650SK6 (crashed), 2005 Yamaha FZ6 Fazer (sold). Currently bikeless
"A faired bike will get you 10x more clunge than a unfaired one." -Marlboro Matt

[Polarbear]

[CaNsA]

I have claimed 100% against another driver. I have declared it upon my insurance application and it makes no difference to the price.

It doesnt affect my NCB either.

[swiftb]

[Wafer_Thin_Ham]

[chris-red]

[pits]

The one I don't get is for bike insurance when it says.
What type of liscence do you hold.
Full UK
Full UK Auto
Provisional
European
blah blah

Now this is for bike insurance, so I don't have a full UK licence to ride a bike manual or auto, and I don't have provisional licence either, nor a European, all I have is a CBT, why don't they just have a CBT only option?

In the end I just rang up and went through it on the phone, but really it makes no sense to me as I have a full UK car licence but the only bike related thing on my licence is the entitlement to get a bike.

Insurance is all a scam, it is getting to the point now where it is just not worth having insurance.

Fit better parts to your vehicle, brakes, tyres, it's an upgrade that is going to cost you even though it will make you a better rider.

Fit an alarm or security and the cost of said security is always more than what you save on insurance, my Mitsi specifies I must have a cat 1 alarm, I live in a group B postcode, car garage I don't need an alarm, £250 for the pleasure and no insurance drop, same with bike, £30 lock saved me £4 on insurance.

Have an accident that wasn't in anyway shape or form your fault, you still get charged an arm and a leg as you are now more of a risk even though someone crashed into you whilst you were minding your own business.

The price of insurance has sky rocketed this year, last year I paid £600 on my Mitsi a group 20 grey import, this year they want £1200 on a mk2 Golf GTi worth fuck all.


Almost wish that a new law was created where like New Zealand insurance is optional but if you have an accident you must pay damages, if I have an accident at my age with the cars I like to drive and the bike I want to ride there is no way I would go through insurance just pay damages off on a credit card as it will cost me more in the long run, the only reason I have insurance is purely to be legal.

[Kwaks]

[Polarbear]