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-   Bikes - Talk & Issues (http://forums.sv650.org/forumdisplay.php?f=129)
-   -   TPFT and Smokey Bike (http://forums.sv650.org/showthread.php?t=133485)

muffles 10-06-09 12:07 PM
Re: TPFT and Smokey Bike
 
I think it's technically illegal to have insurance on a bike that no longer exists (i.e. stolen, or scrapped). I am pretty sure I asked this at one point, probably when my bike got stolen. Maybe I was given incorrect information and they just didn't like it or something - not beyond the realms of possibility.

If it were perfectly OK, you could insure loads of imaginary vehicles and potentially claim for all sorts of things, I imagine...?

Anyway what you could do, if you a) don't have the original bike/frame any more, and b) can't put the Duke on the current policy, is find a cheap frame/non-runner/etc off Ebay and insure that (in your garage/garden/whatever). Obviously pick something that doesn't cost any more than an SV!

Re: insurance companies & your record, again technically they want to know any incident at all (often they refer to them as incidents to cover everything I guess!). But some 'incidents' clearly can never be traced/found out about, so no need to worry about those.

carty 10-06-09 12:41 PM
Re: TPFT and Smokey Bike
 
Quote:
Originally Posted by muffles (Post 1936419)
find a cheap frame/non-runner/etc off Ebay and insure that (in your garage/garden/whatever). Obviously pick something that doesn't cost any more than an SV!
Any old curvy should fit in that category :mrgreen:

I'm of the opinion that the insurance can't be valid anymore, there is no bike to hold the policy against. Can't you just cancel the insurance for the rest of the year, get a percentage of the money back, accept that you won't have another year's no claims but put any refund against the difference to the new policy for the Duke? Were you relying on the extra year's no claims on the SV to be able to insure the Duke?

Good luck with it mate :)

Mr Speirs 10-06-09 01:33 PM
Re: TPFT and Smokey Bike
 
Quote:
Originally Posted by carty (Post 1936467)
Any old curvy should fit in that category :mrgreen:

I'm of the opinion that the insurance can't be valid anymore, there is no bike to hold the policy against. Can't you just cancel the insurance for the rest of the year, get a percentage of the money back, accept that you won't have another year's no claims but put any refund against the difference to the new policy for the Duke? Were you relying on the extra year's no claims on the SV to be able to insure the Duke?

Good luck with it mate :)
Yeah pretty much relying on the years NCD.
Maybe I can borrow a bike for just over a month to insure until the policy runs out. I won't ride it or probably even keep it with me just summat to keep the policy going. Or I might see how much they'll charge to put the ducati on the remainder. But I don't even think they'll touch me with the duke to be honest.

Mr Speirs 10-06-09 01:41 PM
Re: TPFT and Smokey Bike
 
Please excuse me while I do a little dance!!! :)

Just called Bennetts. The guy advised me that I should keep the policy running until July and then I will have a years no claims! I double checked that I didn't need to have a bike on the policy for it to carry on, he said there is a two month period where the insurance still runs, if I don't register a bike to the policy it then automatically cancels after 2 months but because my policy runs out on July the 25th it falls within the 2 month window so it won't affect me.

I am a happy man.

carty 10-06-09 01:51 PM
Re: TPFT and Smokey Bike
 
Quote:
Originally Posted by Mr Speirs (Post 1936568)
Please excuse me while I do a little dance!!! :)

Just called Bennetts. The guy advised me that I should keep the policy running until July and then I will have a years no claims! I double checked that I didn't need to have a bike on the policy for it to carry on, he said there is a two month period where the insurance still runs, if I don't register a bike to the policy it then automatically cancels after 2 months but because my policy runs out on July the 25th it falls within the 2 month window so it won't affect me.

I am a happy man.
Result! Good job the crash wasn't the weekend before then cos that would have been outside the two month window wouldn't it?!

Good stuff \\:D/

SoulKiss 10-06-09 02:09 PM
Re: TPFT and Smokey Bike
 
Quote:
Originally Posted by Mr Speirs (Post 1936568)
Please excuse me while I do a little dance!!! :)

Just called Bennetts. The guy advised me that I should keep the policy running until July and then I will have a years no claims! I double checked that I didn't need to have a bike on the policy for it to carry on, he said there is a two month period where the insurance still runs, if I don't register a bike to the policy it then automatically cancels after 2 months but because my policy runs out on July the 25th it falls within the 2 month window so it won't affect me.

I am a happy man.
Cool, but did you ask him to confirm that to you in writing?

I know I would be ringing them back to ask for just that.

But good news, was thinking of offering you a loan of my SV for insurance purposes, but I think that with a SW9 (Brixton/Stockwell/Kennington) postcode they would want a chunk of premium for that one.......

yorkie_chris 10-06-09 02:09 PM
Re: TPFT and Smokey Bike
 
Where is SV now then?

Mr Speirs 10-06-09 02:42 PM
Re: TPFT and Smokey Bike
 
Gone to SV heaven.

yorkie_chris 10-06-09 02:54 PM
Re: TPFT and Smokey Bike
 
OK then where is the molten pile of slag with a VIN plate somewhere in it?

Mr Speirs 10-06-09 02:56 PM
Re: TPFT and Smokey Bike
 
Dunno. Just told the recovery people to scrap it. It was a Glossop Motors in Glossop.


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