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Declaring injury for insurance if injury not claimed for?

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Falco
Traffic Copper



Joined: 27 Nov 2015
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PostPosted: 19:02 - 09 Jan 2017    Post subject: Declaring injury for insurance if injury not claimed for? Reply with quote
Doing some prospective quotes and a thought struck me. During my accident last year I was injured, but I only made a claim for the bike not the injury.

Does this need to be declared? Or are they more interested in injuries that cost them money? Is it better to be safe than sorry and have them using it to get out of paying if I do need to claim?
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Pete.
Super Spammer



Joined: 22 Aug 2006
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PostPosted: 20:34 - 09 Jan 2017    Post subject: Reply with quote
Don't tell them a damn thing. If only you know something how does it affect anyone else?
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132.9mph off and walked away. Gear is good, gear is good, gear is very very good Very Happy
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 20:41 - 09 Jan 2017    Post subject: Reply with quote
You can't make a claim for injury from your own insurance policy. Wink
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Falco
Traffic Copper



Joined: 27 Nov 2015
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PostPosted: 21:33 - 09 Jan 2017    Post subject: Reply with quote
Ste wrote:
You can't make a claim for injury from your own insurance policy. Wink


Laughing quite right, what I meant was that in the section about accidents there is a question about injuries but I never told the insurance about it.

Well there is a police report about it, so if they had a mind they could find out about it.
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ThatDippyTwat
World Chat Champion



Joined: 07 Aug 2016
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PostPosted: 23:29 - 09 Jan 2017    Post subject: Reply with quote
Falco wrote:
Ste wrote:
You can't make a claim for injury from your own insurance policy. Wink


Laughing quite right, what I meant was that in the section about accidents there is a question about injuries but I never told the insurance about it.

Well there is a police report about it, so if they had a mind they could find out about it.


I suspect the wording is something along the lines of "Have you claimed for an injury on any insurance in the last X years?"

Emphasis mine. Re-read the question Wink
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'98 VFR800 (touring) - '12 VFR800 Crosrunner (Commuting) - '01 KDX220 (Big Green Antisocial Machine)
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 11:01 - 10 Jan 2017    Post subject: Reply with quote
Falco wrote:
Well there is a police report about it

In the bottom of a locked filing cabinet stuck in a disused lavatory with a sign on the door saying 'Beware of the Leopard'.

No. Do not tell them anything.

If you're really bothered, you can find out what the insurance cartel knows about you, but it will cost you £10.
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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
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