learner insurance premium increas after accident?

Piercee100 · Trackday Trickster Joined: 07 Mar 2011 Karma :

Hiya peeps,

Wifes had an accident on her scooter and it looks like she will be at fault. last year her premium was £90 any idea what the likely increase will be for a learner having had an accident? We'll be getting her renewal through the post in a month and wanted to know if its worth me buying her a replacement scooter or keeping her off the roads for a while?
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Rides: Honda H100a (Retired), VT500e (Sold), Kawasaki ZX400 (sold), Kawasaki GT550 (Sold), Suzuki Inazuma (Daily), Honda CD185t (Broken), LML Star 2t (Last run edition).

Monkeypony · World Chat Champion Joined: 21 Sep 2011 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Based on Paddy's experience, have another 10 accidents quickly and the premium will come down.

Really: there's no way of knowing. Even if someone were in the exact same circumstances today, that won't apply next month.
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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

suburban myth · Spanner Monkey Joined: 13 Feb 2013 Karma :

I'd expect the cost of liability to be a factor, since when you have an accident the insurers sometimes ask for the cost of the claim.

If she just rode into a parked car and scratched the bumper it won't be too drastic. If, however, she just ploughed a bus queue and killed a couple of school kids, I'd expect she will become uninsurable.

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

Just run a quote for being at fault for a claim with personal injury, was an increase of around £150 Laughing

Didn't lower my NCB though so YMMV.

Piercee100 · Trackday Trickster Joined: 07 Mar 2011 Karma :

Bloody insurance minefields Sad

Worst thing is, despite a wing mirror being broken, the chav's were traumatised, whiplashed and had "Soft tissue injuries" and a visit to hospital. Still, worse case scenario, its cost me £90 for the hassle Smile

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Rides: Honda H100a (Retired), VT500e (Sold), Kawasaki ZX400 (sold), Kawasaki GT550 (Sold), Suzuki Inazuma (Daily), Honda CD185t (Broken), LML Star 2t (Last run edition).

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Just FYI, when you write up the incident for your insurer, you can and should go ahead and express that you think they're fraudulently claiming whiplash. Just toss those words in there, and their fraud prevention system will pick it up.
____________________
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