Can you please advise - do you have to declare a motorbike insurance claim when obtaining new car insurance ?

I need to insure a car but had a motorbike accident last year - I dropped the bike, nobody else involved, but the insurance company did pay out. I have a number of years car NCB.

Should this affect my new car insurance proposal ? If so, why ? Aren't you insuring against different risks ? And what are the penalties for not declaring the claim ?

Thanks

Often the question refers to "motoring claims" You need to read the question carefully and answer truthfully. If in doubt ask the company. The penalties can be refusing a claim, difficulty getting insurance later.

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Circumstances alters cases!!

snobeaver:

Can you please advise - do you have to declare a motorbike insurance claim when obtaining new car insurance ?

I need to insure a car but had a motorbike accident last year - I dropped the bike, nobody else involved, but the insurance company did pay out. I have a number of years car NCB.

Should this affect my new car insurance proposal ? If so, why ? Aren't you insuring against different risks ? And what are the penalties for not declaring the claim ?

You must declare all accidents, claims, thefts or losses within X time regardless of fault. This would fall into the remit as above. This should not affect your car NCD but certainly would affect the NCD on the motorcycle. Be advised that some motorcycle schemes automatically protect the NCD without further premium. KGM is a good insurer for this.

If you do not declare the claim your insurance policy will be inappropriately calculated. You will either be charged an additional premium when they find out or the policy will be cancelled and you will be charged for cancellation. Either way you will (rightfully so) be penalised.

Declare this.

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Coyote

Thank you Coyote.

I understood this was a community forum which would provide some helpful and informed advice on my query rather than a lecture. Perhaps the tone of your response is the product of some form of personality trait, or you view insurance fraud in a dim light.

However, I have already discussed the accident on the bike with the car insurer and they have told me that it was not necessary to declare the fault and would not have an impact on my car insurance in either premium or loss of NCD.

Dear snobeaver

You have taken the appropriate action here.

Some helpful advice for you snobeaver is that the rule of thumb, when it comes to declaring accidents to insurers is: Always tell them and if in doubt, tell them.

It is far better to be up front and you know that in the event of any accident you are fully covered.

Hope this helps. Regards.

snobeaver:

Thank you Coyote.

I understood this was a community forum which would provide some helpful and informed advice on my query rather than a lecture. Perhaps the tone of your response is the product of some form of personality trait, or you view insurance fraud in a dim light.

However, I have already discussed the accident on the bike with the car insurer and they have told me that it was not necessary to declare the fault and would not have an impact on my car insurance in either premium or loss of NCD.

I'm not too sure what your problem is here? I wasn't lecturing you at all, I was answering your query! As BestAdvice has said, you have taken the appropriate action and informed your insurer or the intermediary. They are, in fact, giving you the wrong answer there as it is a material fact that will affect the decision of a prudent underwriter, without a shadow of a doubt. If your case was referred to an Underwriter for their consideration and this came back as 'okay' then this should clearly be noted before the policy incepted. An agent over the telephone would not have the authority to make such a decision without referral.

If I were you, I would get them to give you this in writing or provide you with the recorded telephone call in case a claim arises later on in the insurable period.

Apologies if you took my reply the wrong way but there's no need to be insulting to the person taking time out to help you. I think, perhaps, you should consider the tone of your response and your own 'personality trait' before you make assumptions.

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Coyote