Insurance question - regarding stolen bikes.

[thx1138]

Earlier this year, I had a bike stolen. It was insured 3rd party only. I got it back a couple of hours after it was taken, and there wasn't much damage done.


Now, when I get a quote for my new Hornet, 3rdparty fire and theft, do I have to mention that I had a bike stolen this year, as I didn't claim or anything?

If I do have to mention it, is it likely to affect my premiums?

[Ant]

i wouldnt mention it personally, it will affect the price if you do
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04 ZX10R ~

[Mr.Everready]

They don't ask you whether you might have made a claim or not in the past, just if you've actually made one in the last 5 (?) years.
I wouldn't disclose it unless asked specifically.
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the undemocratically unelected mod of the Scottish section

[thx1138]

Thanks!

[bennyboy]

If it the you didnt notify your insurers of the theft then it doesnt count as a claim. Your insurer will only take into account registered claims on the claims database, not a stolen, then found straight away job. It doesnt count (im an insurance broker by the way, my word is gospel )
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2000 peugeot speedfight....1999 RS125....2001 RS125....1997 GSXR600 srad

[trevoriv]

Technically (legally) you should have reported the theft to your Insurers regardless of whether you were claiming or not and technically you should disclose that when you get your new Insurance.

However i wouldnt mention it to either of them

Sorted.

[paulthewitt]

[TOM M]

[Josh]

[thx1138]

~Well, ebike insurance, is the only one I've seen so far that lets me put in all of the modifications that the bike I want to insure has.

[strag]

[anders]

No need to mention it, you never claimed on the insurance and never got a payout.

Dont let them cheat you, they rip us off the wall as we stand here!
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Call me Mr. Blobby