To declare or not

[tlzeebub]

I'm sure someone will know the answer to this but I was filling in one of them online insurance quotes and am asked any previous claims, so my question is is do i have to declare a motorcyle theft when i'm insuring a car, i reckon i'm supposed to which seems unfair being that you cant use your motorcycle NCD on a car, but i want to be honest with my insurers, tia Chris

 

[Chattonmill]

It is a previous claim on a motor policy so should be declared.
If you don't they will come back and void your policy if you have a claim.
Your choice.
Be insured...or not!

 

[SilverSaloon]

^^^

 

[verytalldave]

Depends on the precise wording of the question.
If it just refers to an insurance claim per se, then yes.
If it refers to a claim while driving a CAR, then I would guess not.
If there is any ambiguity, then it would be best to ask the company in question.

 

[Frank O' Phile]

I'm sure someone will know the answer to this but I was filling in one of them online insurance quotes and am asked any previous claims, so my question is is do i have to declare a motorcyle theft when i'm insuring a car, i reckon i'm supposed to which seems unfair being that you cant use your motorcycle NCD on a car, but i want to be honest with my insurers, tia Chris

Usually, yes you do. This has been a bugbear for me for years for exactly the reason you stated. Any NCD built up on a bike, wouldn't count towards a new policy for a car, but when I had a bike stolen, oh it counts then and bang goes your NCD on your car. All insurance companies are evil. And banks. And ......

 

[shorty]

When my brother smacked his bike last year into a jeep he was asking himself the same question , should I tell my car insurance company about the crash , or not . In the end he told them and it made no differance to the cost of his car insurance though .

 

[mobytoo]

They will find out about it so you had just as well tell them. I had a speeding ticket 4 years ago and my insurers contacted me to ask why i had not told them about it.
I thought it was wiped off after 3 years but it turns out that insurance companies hold a grudge for 5 years. I still dont know how they found out. Dont forget, Big Brother Is Watching You !

 

[tlzeebub]

Update report,just logged on to insure my car was redirected to elephant.com and completed transaction got to payment details and then it all went wrong, had a message on the screen saying that the quote could not be completed please ring 0800xxxxxxx, so i did, going through the details about previous claims and i had declared a theft nearly 3 years ago and when i mentioned that it was for a motorbike the fella said thats ok you don't need to declare that, happy days i thought it's going to be cheaper. How wrong i was, i was involved in a 3 car accident last year me being the front car and i was rear ended by the car behind who had in turn been shunted from behind all whilst i was stationary, clearly not my fault but as the rep at elephant says "The insurers look at it that because of the no fault accident I am statistically more prone to accidents" now excuse my language but wtf is that all about, and surely if i was recently involved in an accident having not had one for the previous 20 years, then i cant be due another one for about another 20 years, I'm absolutely fuming that insurance companies can behave like that, rant over.

 

[Dryce]

I'm absolutely fuming that insurance companies can behave like that, rant over.

They're not as rational as they like to claim (or think they are).

 

[Frank O' Phile]

"The insurers look at it that because of the no fault accident I am statistically more prone to accidents"

I'd like to see the maths that can show this.....

I've already given my views on insurance companies. nuff said

 

[Carrotchomper]

I'd like to see the maths that can show this.....

I've already given my views on insurance companies. nuff said

It's odd, and at best seems lazy statistical analysis...

"People who have had an at-fault accident in the last year are more likely to have another one..."

Fair enough.

"People who have had a no-fault accident in the last year are more likely to have another one..."

Obviously somewhat untrue.

However, if you were to interpret the above together then "People who have had an accident are more likely to have another one"

 

[crockers]

Look on the bright side .. statistically - anyone killed in a car accident is unlikely to have any more....so anyone living is a risk.

 

[SilverSaloon]

Update report,just logged on to insure my car was redirected to elephant.com and completed transaction got to payment details and then it all went wrong, had a message on the screen saying that the quote could not be completed please ring 0800xxxxxxx, so i did, going through the details about previous claims and i had declared a theft nearly 3 years ago and when i mentioned that it was for a motorbike the fella said thats ok you don't need to declare that, happy days i thought it's going to be cheaper. How wrong i was, i was involved in a 3 car accident last year me being the front car and i was rear ended by the car behind who had in turn been shunted from behind all whilst i was stationary, clearly not my fault but as the rep at elephant says "The insurers look at it that because of the no fault accident I am statistically more prone to accidents" now excuse my language but wtf is that all about, and surely if i was recently involved in an accident having not had one for the previous 20 years, then i cant be due another one for about another 20 years, I'm absolutely fuming that insurance companies can behave like that, rant over.

yep, admiral Grp tried to charge me £100 for being in a non-fault accident.

i told them to get stuffed and went to Direct Line who were almost the same price.... shame for them really as they lost 4 policies totalling around £1000 on that stupid £100

 

[glojo]

I'm really going to make myself popular here but here goes anyway

Have you been involved in a motor accident\incident in the last number of 'x' yrs?

If we have been involved in an incident that was not our fault then what is the truthful answer to the question?

We all know what vultures insurance companies can be so should we offer them a reason to refuse a legitimate claim?

"Yes I have had a non blame worthy incident two years ago when I was in my car that was stationary and a vehicle drove into my car, the offending drivers insurance company settled my claim and I did not incur any penalties from my own company"

I can understand where insurance companies might be coming from when they load certain categories of driver.

"I have not had an accodent in thrty yrs of driving, but I have been the cause of lots"

 

[kwakdonut]

Statisitically, if you use a road, in the UK, you might, one day, get to your destination!!!

 

[PXW]

I could believe stats that indicate likely clustering of no-fault claims. If you approach the question from the point of view that there is no such thing as an accident (i.e. all incidents are ultimately avoidable) then I think it becomes more understandable.

At a basic level, defensive driving training would say that you allow not just for your own mistakes but those of others. Someone who doesn't drive that way is more likely to have a 'no fault' claim - because they will not anticipate someone else's mistake. If they continue to drive in the same way, they are presumably more likely to have a second accident?

 

[tlzeebub]

I could believe stats that indicate likely clustering of no-fault claims. If you approach the question from the point of view that there is no such thing as an accident (i.e. all incidents are ultimately avoidable) then I think it becomes more understandable.

At a basic level, defensive driving training would say that you allow not just for your own mistakes but those of others. Someone who doesn't drive that way is more likely to have a 'no fault' claim - because they will not anticipate someone else's mistake. If they continue to drive in the same way, they are presumably more likely to have a second accident?

My accident was totally unavoidable I was sitting in a friday evening queue of traffic at a set of red lights as was the ambulance in front and about 15 cars behind when the car 2 cars behind decided to pull away causing the damage to myself and the middle car, if i had been able to anticipate the other persons mistake i would have pulled away from being stationary straight into the back of the ambulance that was in front of me, sometimes things like this really are unavoidable and really are a no fault claim, I'm still fuming that they're penalising me for this, even **** Turpin wore a mask before robbing people, these theiving vultures are just robbing me without the fancy dress!!

 

[janner]

At a basic level, defensive driving training would say that you allow not just for your own mistakes but those of others. Someone who doesn't drive that way is more likely to have a 'no fault' claim - because they will not anticipate someone else's mistake. If they continue to drive in the same way, they are presumably more likely to have a second accident?

My no fault accident was when some little old lady reversed into my parked car in the middle of the day (it's garaged at night). She thought there was something dodgy when I tried to get her to pay the £400 in cash without involving the insurance and insisted on claiming. I've been paying for her accident for the last three years and will continue for the next two
Many insurance companies don't load for one no fault accident but similarly many do (or refuse to even quote) and that limiting of choice ultimately costs me money. Very annoying when you have three motor policies.

 

[jonnyboy]

Usually, yes you do. This has been a bugbear for me for years for exactly the reason you stated. Any NCD built up on a bike, wouldn't count towards a new policy for a car, but when I had a bike stolen, oh it counts then and bang goes your NCD on your car. All insurance companies are evil. And banks. And ......

I'm sorry, but this is just incorrect.

NCD is earned in separate "lots". If you have an "at-fault" ie unrecoverable costs incident on vehicle 1, you may well be loaded on the premium for it on vehicle 2, but the NCD earned on vehicle 2 remains the same. Of course, if you use a "call-centre" type insurer who use staff with little knowledge reading from a computer-generated script, they wouldn't know this.......

 

[Dryce]

NCD is earned in separate "lots".

NCD is a mysterious marketing invention with a vague and arbitrary relationship to the concept of ever having or not having made a claim.

It fails on the 'NC' part because companies often just treat it as a 'D' part that is there to be price matched.