Going TPO with no intentions to claim...QUESTION!

[Cronik]

Yes it is I. Again.


Say I put my voluntary to £500 and social only with less than 1000 miles a year. The hypothetical bike will be kept elsewhere for 4/7 days... all in a bid to lower my premiums... I don't plan on claiming at all. I just want to be covered until I garner 1 years NCB. Will the policy be void even if I DON'T claim and hit a 3rd party. Meaning, will I be liable to pay for the 3rd party if they find out I covered 5,000 miles instead of 1,000 stated? Or is that only applicable if I were to make a claim?

This route remains a velleity...
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*A Vacuous Vacancy*

[Reservoir Dog]

Insurer's are given the recorded mileage when you take it for the MOT test' it was once highlighted with a bright orange marker pen by Carole Nash insurers on my renewal notice. You can always remove the spedometer when taking it for the MOT as it's not required by law

I only use TPO with zero voluntary excess as i simply don't trust insurers with their corrupt record of not paying out or only handing out 25 pence for a 4 grand bike/car.

[Northern Monkey]

Are you intentionally defrauding your insurance company in a manner which could cause your insurance to be cancelled?

If so, and if found out, you'll never be able to get insurance again for less than eleventy thousand ponds
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Fisty: after polishing the tank with the glistenng beads of sweat from my full hot scrotum, I filled the headrace bearings with 10cc of my manmilk

[Cronik]

[Evil Hans]

What do you mean by "kept elsewhere"?

Keeping it at a different place to the registered address, or different to your home address may cause the insurance co to question you a bit more closely*, so don't say it if it isn't true.

As for doing 5 times as many miles as estimated ... well, true, they're unlikely to find out if you don't claim, but that doesn't mean it's not fraudulent.

Like the man said, get found out and it's major BUTT PAIN for years to come.


* When Mrs Evil Hans arranged her bike insurance online, the ins co called her back to confirm, on record, the garaging arrangements - amongst other details. Probably because so many scrotes are lying through their teeth and then claiming it was a genuine typo on the original application form.
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Triumph Sprint ST 1050. And it's Red.

[Rogerborg]

[Monkeypony]

[Cronik]

[Alan1986]

Can't you just do it correctly and grin and bare the costs this year?
Can be alot, look at paying monthly maybe, but this will increase the cost overall again
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Cbt Done, Currently wobbling around on a Cbf125 and love it
DAS some time soon

[Cronik]

[Hefty]

Straying off-topic.. What if you're bike is stolen?

[Alan1986]

Another thought is if you have got by with no bike all this time can you continue doing that? Use public transport or whatever and save up some cash,
You have plenty of years left to ride a bike,
Tell everyone you want money for your birthday and no chump change
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Cbt Done, Currently wobbling around on a Cbf125 and love it
DAS some time soon

[Ste]

How much the insurance company would try and find a reason to invalidate your policy will depend mostly on how big the claim is.

You tell them you do 1k miles annually, okay, how far is it from your home to where you work? It's probably not very tricky to catch you out on how many miles you're doing, especially if you've not got use of another vehicle and no one else uses your bike.

It's the same deal with telling them you live at your sisters address, if they're faced with a big claim then it wouldn't be too complicated to catch you out on that as well.

The good news is that your insurer still has to pay out to third parties and there's also the Motor Insurers Bureau who pay out to people hit by uninsured drivers. The bad news is that they can then attempt to recover all their costs from you which could be into the millions.

How much difference to quotes does telling them you're doing 1k miles annually rather than 5k or 10k make?

[Cronik]

[Cronik]

[Undinist]

In your shoes I might well cut some corners. If you lie to your insurers you'd better be careful that you don't leave enough clues on the internet for someone to work out who you are and dob you in.

[Cronik]

[Ichy]

What about getting a crappy old moped for the first year? Gets you mobile and it's cheap.
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https://www.metacafe.com/watch/1972097/how_to_behave_on_a_forum/

[Ste]

Who sets the parameters for how 'rough' these calculations can be?

No idea but if you go over what you've told them your annual mileage will be then you're meant to update them. Saying 1,000 miles when it's actually 5,000 miles isn't a rough estimate.

How much difference to quotes does telling them you're doing 1k miles annually rather than 5k or 10k make?

The parameters for how rough the calculations can be will all be in the policy booklet and the t&c page on their website.

[Ichy]

[JoeDaStudd]

[arry]

[M.C]

[andyscooter]

What happens if you crash said bike into the back of a car that stops destroying bike and cracking the cars bumper


They claim
You lose ncb that you havnt got yet and you have no bike

Just find a bike and suck it up for a year ffs
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Hefty]

The way I look at cutting corners with insurance is the same way I look at riding illegally without a license or insurance etc.. Theres countless who do it, day in day out & never get caught, but it'd be the one time that I take the risk &

I'd sooner just know that theres no skeletons in the closet when someone comes knocking.