Bastard Insurance...

[Doomsnite]

So I want to get a Street triple.. R if possible and I'm getting insurance quotes but my wife's accidents as a named driver on my car policy is crippling me.

It makes £150 difference for something I didn't do and on a vehicle she cant ride... do I need to declare this as it was on a car policy?
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Triumph Street Triple-R
Sold: Honda Hornet CB600F-Y / Yamaha YBR125

[.....]

What is the question the insurance company is asking, word-for-word?

[Rogerborg]

[Nobby the Bastard]

You all say 'bastard' like it's a bad thing....
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[chickenstrip]

[grr666]

I think you must kill her.







Then they would put it up because you are single again and as such a higher risk than a married man.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[anthony_r6]

Isn't the whole point of a named driver to be that the main driver takes a portion of the risk involved in insuring the driver that would have to pay a higher premium if they were just insuring themselves?

If that person crashes on your policy, you have to declare it on your future policies.
____________________
Ted : "Maybe he's agoraphobic."
Dougal : "Jack scared of fighting? I don't think so, Ted."

[grr666]

But you can't have a policy each. That's illegal. And in the real world people, especially couples often share cars.
____________________
Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[Doomsnite]

Do they check your history after you purchase though? wouldn't want a bill after the fact.

Its the standard bike insurer website question - "any accidents, claims or losses made against you or by you, irrespective of fault"

One accident the Mrs hit a wall, so we claimed, the other someone hit her so it went on their insurance. For that latter, surely i shouldn't mention it because i didn't claim and i didn't have the accident?
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Triumph Street Triple-R
Sold: Honda Hornet CB600F-Y / Yamaha YBR125

[Rogerborg]

[Doomsnite]

[grr666]

I knew arry or Roger would know for sure That's very interesting.
____________________
Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[BrownTrousers]

I am in exactly the same position. Comparison site (who's question is worded such that I clearly should mention it) suggests my wife's 50/50 accident as a named driver in my car is costing me £150 on a bike policy which she isn't on.

Come renewal time, like Roger, I plan to shop around on websites or over the phone, until someone asks the question in such a way as I interpet it differently.

Would like to think common sense would prevail if it ever came to arguing it, but then, insurance, so no.

EDIT
Two things we can learn from this thread (both should already have been obvious);
1) insurers are bastards
2) don't let the wife drive your car
____________________
Bikers make great organ donors - add your name to the register
Ducati Multistrada 950 | Triumph Tiger 800 XR | Honda CBR500R | Yamaha YBR 125 Custom

[c_dug]

Insurance companies always remind me of the song Master of the House, from Les Mis.

Hidden extra charges everywhere you look, or skimping out anywhere they can, all while claiming to be the best!
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[arry]

[winz]

This has got me thinking. I'm a names driver on my girlfriends car policy. Her driving isn't that great. If she has an accident will this affect me in any way?
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

[Silver_Fox]

No, because any claims on this policy, whether you or her driving, will go against HER driving history because it's in her name
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CBR600 F3 FV
CG125

[winz]

[Rogerborg]

[Doomsnite]

So am I classed as claiming if we notify our insurance company that we we had an accident but their insurance is paying for it? Because that's all they could get me on as the accident question wouldn't apply as I wasn't driving.

Even if we could get past the interpretation, they could still stiff us if It comes up on some check.
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Triumph Street Triple-R
Sold: Honda Hornet CB600F-Y / Yamaha YBR125

[DJP]

What is it: Have you, or anyone that will drive this vehicle, had any accidents, claims or convictions in the last (x) years?

But surely if my named driver has (on another vehicle), and I haven't, and they won't drive this vehicle then the answer is “No”.

Or am I reading this wrong?
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Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https

[Ste]

[Doomsnite]

[Silver_Fox]

There is a central database for accidents, so it's hard to get around. However there is no such thing for points on your licence so they'll only know if you tell them or send in your licence for a claim...
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CBR600 F3 FV
CG125

[DJP]