TPFT and Smokey Bike
 

Does anybody know how insurance works in the event of an uninsured total loss?

Basically I crashed my bike and it was only insured TPFT. I paid for the year when I took out the quote. Obviously now I don't have an SV but does my insurance still run on or do I need to insure another bike for the remainder of the policy to get my NCD at the end of it?

Cheers. Chris.

Re: TPFT and Smokey Bike
 

If you wrote it off you can just not tell them. They don't NEED to know, I guess. Just register it written off with the DVLA. If you cancel your insurance you will lose your NCB, you can just leave it and let it run and you'll recieve the NCB at the end of the year.

Re: TPFT and Smokey Bike
 

Can you not claim for the fire that destroyed your bike?

Re: TPFT and Smokey Bike
 

just change it to your new bike, you don't *really* need to tell them.

Re: TPFT and Smokey Bike
 

Tried and failed.
The bike only caught on fire because I crashed it.
So if I have already told the insurance company the bike set on fire and isn't salvageable they should still be an insurance policy anyway which I can leave to run until July for my no claims??

Re: TPFT and Smokey Bike
 

Yes you can leave it running, you haven't claimed so they cannot hike your premium.

Re: TPFT and Smokey Bike
 

Obviously the bike is a right off.

Can you insure a right off?

Doesn't the small print say something about roadworthy?

I hope I'm wrong, but I think your insurance policy will now be void.

Re: TPFT and Smokey Bike
 

its your driving/riding history you have to tell them.

Re: TPFT and Smokey Bike
 

you pay for 12 months and thats what you get, your policy still runs.

Re: TPFT and Smokey Bike
 

oops?