Bike Accident- Car Insurance

[StreetDragster]

Hi All,
I'm sure i've read a thread about this before but I can't for the life of me find it.

As i understand it, motorcycle and car insurances are separate entity's, separate NCD etc etc.

I have a car insurance policy, 9+ years of NCD on it, protected.
I have recently had a motorcycle accident (my fault) and have been paid out, no protected NCD.
No planning on getting another bike any time soon.

Come car renewal time, do i declare the motorcycle accident when asked about claims and convictions?
Do i maintain my car NCD despite my motorcycle claim?

Obviously the motorcycle policy is no with claim and no NCD, happy with that.

Thanks

[sixor8]

A similar thing happened to me a few moons ago. Every year, I would hope to be asked about 'car' claims, but the insurance brokers are wise to this. They will most likely ask about 'motor' or 'vehicle' claims so you should declare it. Some companies ask about the last 3 yrs, others the last 5 so the meerkat / comparison sites etc always ask about the last 5 years.

It will have no effect of your car NCD although protecting it may cost a little more because you are considered a higher 'risk' now.

[StreetDragster]

Great, thanks for that.

[rigga]

They generally ask for " any accidents or claim in the last X years "

Annoying thing insurance .

[Bungleaio]

I have to declare for my car policies the accident in 2019 when my bike was reversed into. They ask if I have any motoring claims or convictions.

[Mr Tidy]

Sadly you should declare it to your car insurer at your next renewal, although it shouldn't affect your car NCD.

[Pirks]

Declare it otherwise it could be used against you if you have an accident in the car even though it is different policies.
I had a bike accident and was told to inform my car insurers by my bike insurers as it could affect the car policy, it didn’t as far as I know but did get put on record and I wrote down who I spoke to, the time, date and reference number just in case.
So yes tell them

[outnumbered]

Admiral Car insurance didn’t care about my bike claim. Other insurers are different and take them into account, you need to check..

[KurtFlew]

My bike insurance tried to up the price because my van had been crashed into in a hotel car park whilst I was asleep, sorted through his insurance. They said I was now more risk! The cheeky fks.

I kicked up a proper fuss down the phone about how stupid that was and the poor girl knocked the money back off.

[scorcher]

Bikesure checked my claims history whilst I was on the phone to them to check that what I told them aligned with the details the insurance database held on me. ( 1 car accident and a ‘report only’ incident) Claims history shared between insurance companies. Not declaring will end up causing you grief of some kind especially if you need to claim.

[black-k1]

As has been said above, you need to declare it. My car premiums went up after Bambi wiped my K1300S out as I had a total loss, only me involved (Bambi didn't have insurance!!!) claim against me.

As ever with insurance. it's heads they win and tails you lose!

[Seight_Returns]

Albeit the other way round - I had an at fault claim on my car insurance a couple of years ago.

I declare it on my bike insurance renewal as I should - but playing with insurance comparison sites shows that its impact on my renewal price is negligible.

[catso]

My Wife had an accident in my car some years back, she was a named driver on a policy in my name.

Come bike insurance renewal time, I was asked if I had made any motoring claims which I had as it was my policy even though I was not the driver. I duly declared it and they increased the renewal on my bike policy - in my name only.

It winds me up when insurance apologists come on saying such things won't affect your NCD etc. - it may not but they'll still charge you more for any little thing they can think of...

[BertBert]

catso said:

It winds me up when insurance apologists come on saying such things won't affect your NCD etc. - it may not but they'll still charge you more for any little thing they can think of...

But that's the very essence of pricing for a risk-based product surely?

[black-k1]

BertBert said:

catso said:

It winds me up when insurance apologists come on saying such things won't affect your NCD etc. - it may not but they'll still charge you more for any little thing they can think of...

But that's the very essence of pricing for a risk-based product surely?

Agreed, but it's the justification for increased risk that often doesn't hold water.

In the above case it was a claim on the policy that "increased the risk". But, it was a claim made by a named driver who has nothing to do with the motorcycle policy so where is the risk increase?

I know that insurance companies use "risk pools" to define risk but it's the definition of those pools that is questionable, and is known only to the insurance companies.

[Donbot]

If your neighbours make lots of claims for whatever reason it will also put up the cost of your insurance, and it's not even you involved in the claims. It's annoying, but that's how it works.

[catso]

BertBert said:

catso said:

It winds me up when insurance apologists come on saying such things won't affect your NCD etc. - it may not but they'll still charge you more for any little thing they can think of...

But that's the very essence of pricing for a risk-based product surely?

You don't work for an insurance company do you?

Why does the fact that my Wife had a car accident have any bearing on my risk as a bike rider? I could understand if she was a named rider on the bike policy or if it was me that had the car accident but it just stinks of profiteering.

Best of it was that it was actually a non-fault accident as she stopped/was prepared to reverse to let a furniture delivery van pass on a narrow road but the delivery driver just kept coming when it was obvious there wasn't the room to pass, he denied any wrong doing and the shop/company backed him up so we had to claim for the damage to our car.

In hindsight, taking into account the increases in my 2 car and bike policies over the next few years, it would have been cheaper to just pay for the repair myself - hardly the point of insurance...

[OutInTheShed]

Actuaries say it's expensive to insure unlucky people.

It's kind of a joke, but no joke...

[black-k1]

OutInTheShed said:

Actuaries say it's expensive to insure unlucky people.

It's kind of a joke, but no joke...

I fully understand that but it's how they define unlucky that that I say has no real logic to it.

[Onelastattempt]

catso said:

My Wife had an accident in my car some years back, she was a named driver on a policy in my name.

Come bike insurance renewal time, I was asked if I had made any motoring claims which I had as it was my policy even though I was not the driver. I duly declared it and they increased the renewal on my bike policy - in my name only.

It winds me up when insurance apologists come on saying such things won't affect your NCD etc. - it may not but they'll still charge you more for any little thing they can think of...

Similar to what happened to me. I am a named driver on my wife's car, she had a minor accident a few years ago. When renewing my bike insurance I mentioned my wife's claim, my bike insurance was going up by about £25 because of it. This was with Carole Nash, so I did not renew with them. Insured with Bennetts instead, they said my wife's claim did not have any effect on my bike insurance.