insurance claiming

[Wideboy]

well as some of you know i broke my bike slightly, having never claimed before i have some questions

im only TPFT on the bike so i cant claim for that but THB its only about 300 quid damage tops, i have gear cover and personal injury cover, both will become very handy as all my gear is ruined and i cant go back to work for 6 weeks, also im not getting payed for those 6 weeks :(

question is, if i claim on those 2 things what happens to my premium? as i have 2 years no claims do i lose it or dont i as im not claiming for the bike:confused:

[the_lone_wolf]

question is, if i claim on those 2 things what happens to my premium? as i have 2 years no claims do i lose it or dont i as im not claiming for the bike:confused:

how many years NCB you lose will be in your paperwork, but with only two i suspect you'll be back to zero after making a claim for any aspect of the policy

phone your insurer though as they need to know asap

[Paws]

Dont think you'll be able to claim for personal injury as thats usually only if its a PERMANANT injury-eg loss of limb/eyesight etc, that could be worth checking out-i know ours at my work only covers riders for that

[lily]

Gavin why aren't you getting paid, they should at least pay you SSP which isn't great but something!!!!

[Dave20046]

Best answer ring your insurers and ask.
I have a feeling gear cover and pi cover (separates) might not affect your future premiums because they are not vehicle policies. But knowing those slippery *******s it will, or if it doesn't they'll make sure it does. Mock up some future insurance quotes including a claim for the next 3 or 5 years and weigh it all up.

[MR UKI (1)]

Dont think you'll be able to claim for personal injury as thats usually only if its a PERMANANT injury-eg loss of limb/eyesight etc, that could be worth checking out-i know ours at my work only covers riders for that

Assuming the accident was your fault I would agree. I was TPFT when knocked off my 650 a couple of years ago and received compensation for injury (chipped bone in leg, severe abrasion scar) but obviously that was paid for by other parties insurer who was at fault.

[kwak zzr]

WB ive had 2 accidents in the past 3 years and ive claimed twice :) TBH its a pain in the **** when you have a quote cus u have to keep puttin in the claim details, i went from 9 years bonus to 1 :( BUT i aint really noticed that much diff on my insurance.

[Biker Biggles]

If you claim you will lose your NCB (?about 10% per year)AND your insurance will go up in addition to that because they will add a loading because you have had a blameworthy accident.
Having said that you are obliged to tell them anyway even if you cant claim,because someone else may yet claim against you.You cant remember the accident,and there may have been someone else involved,however marginally who sees a cash cow.EG did you damage a farmers fence when you or your bike left the road?

[Dave20046]

WB ive had 2 accidents in the past 3 years and ive claimed twice :) TBH its a pain in the **** when you have a quote cus u have to keep puttin in the claim details, i went from 9 years bonus to 1 :( BUT i aint really noticed that much diff on my insurance.
Depends how old wideboy is my insurance premiums have upped by about £1100

[kwak zzr]

Depends how old wideboy is my insurance premiums have upped by about £1100


ouch.

[Wideboy]

well paws is right, my insurance is with MCE aswell, not sure to claim for gear as i dont want my premium to shoot up, its pretty low as it is

i dont get sick pay at work unless it injury from work, got to go in and show them my hospital forms ect, never know they might give me something but with the way work is i doubt it :(

[fizzwheel]

i dont get sick pay at work unless it injury from work, got to go in and show them my hospital forms ect, never know they might give me something but with the way work is i doubt it :(

Go to Citizens advice and ask them about Statutory Sick Pay ( SSP ) If I'm right its a government thing and nothing to do with your work, its not much money but it'll be better than nothing.

[diamond]

Have a read of this site, i get the impression they have to pay SSP in almost all circumstances, although there are a few get out clauses. Even if they don't it tells you about a form your employer came fill out to try and get you something.
http://www.dwp.gov.uk/lifeevent/benefits/statutory_sick_pay.asp

[Lozzo]

Depends how old wideboy is my insurance premiums have upped by about £1100

Boy oh boy, am I glad I paid that little extra for protected no claims. I had a £1650 claim against me last year, this year my renewal quote was lower than I paid last year.

Of course, I went and screwed it all up by buying a different bike this year.

[Dave20046]

Boy oh boy, am I glad I paid that little extra for protected no claims. I had a £1650 claim against me last year, this year my renewal quote was lower than I paid last year.

Of course, I went and screwed it all up by buying a different bike this year.
Under 21s (or 25s?) aren't eligible for protected ncb. plus I didn't plan to crash :razz:

[the_lone_wolf]

Under 21s (or 25s?) aren't eligible for protected ncb. plus I didn't plan to crash :razz:

it's not been an age related thing for me, you need to have a certain level of NCB to get it from most of the insurers i've used, 4yrs normally

[Dave20046]

it's not been an age related thing for me, you need to have a certain level of NCB to get it from most of the insurers i've used, 4yrs normally
That could be right, but it'd be hard to get 4 ncb years before being 20, so I'm still out.

[the_lone_wolf]

That could be right, but it'd be hard to get 4 ncb years before being 20, so I'm still out.

if i hadn't cancelled the SV policy when i sold it i'd have had 4yrs NCB after 2yrs riding;)

[Dave20046]

if i hadn't cancelled the SV policy when i sold it i'd have had 4yrs NCB after 2yrs riding;)
how? by having more than one bike? Does it work like that??

[the_lone_wolf]

how? by having more than one bike? Does it work like that??

if you have separate policies yes, each one earns one years NCB when it expires...

[Dave20046]

if you have separate policies yes, each one earns one years NCB when it expires...
feck I didn't know that!

[Paws]

lone wolf, wrong hun, ncb has to be earnt all in once go on one bike, you cant add ncb together to make one big years worth of ncb.

And wideboy-bad news hun but mce dont do claims for damage to kit, you can only cliam for your kit if there was a tp involved and you would claim off them/their insurer, and you wont be able to use your pesonal accident cover either :(