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09-06-09, 03:43 PM
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#1 |
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Member
Mega Poster
Join Date: Jul 2008
Location: Northampton
Posts: 2,218
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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.
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Smokey Black Burnty 02 - Racetech Smoulderlators + .90kg BBQ Springs, zx10r shockingly toasted, Conti Road Attacks heat up very nicely, R&G Crash Bungs but what f**king use are they, No Colour Matched Hugger, Flame Extenda, Beowulf Titainium Oval Flame Thrower. |
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09-06-09, 03:51 PM
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#2 |
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Guest
Posts: n/a
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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.
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09-06-09, 04:04 PM
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#3 |
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Moderator
Mega Poster
Join Date: Jul 2003
Location: Nr Ruthin
Posts: 7,079
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Re: TPFT and Smokey Bike
Can you not claim for the fire that destroyed your bike?
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"Your Viffer sounds like it is raising hell! Spot on." - Witchery 17/4/08  Snow Plough Appreciation Society - Member #3 
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09-06-09, 04:21 PM
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#4 |
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Re: TPFT and Smokey Bike
just change it to your new bike, you don't *really* need to tell them.
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09-06-09, 04:44 PM
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#5 | |
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Member
Mega Poster
Join Date: Jul 2008
Location: Northampton
Posts: 2,218
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Re: TPFT and Smokey Bike
Quote:
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??
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Smokey Black Burnty 02 - Racetech Smoulderlators + .90kg BBQ Springs, zx10r shockingly toasted, Conti Road Attacks heat up very nicely, R&G Crash Bungs but what f**king use are they, No Colour Matched Hugger, Flame Extenda, Beowulf Titainium Oval Flame Thrower. |
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09-06-09, 04:45 PM
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#6 |
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Guest
Posts: n/a
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Re: TPFT and Smokey Bike
Yes you can leave it running, you haven't claimed so they cannot hike your premium.
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09-06-09, 04:52 PM
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#7 |
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Guest
Posts: n/a
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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. |
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09-06-09, 05:08 PM
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#8 | |
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Re: TPFT and Smokey Bike
Quote:
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09-06-09, 05:08 PM
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#9 |
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Guest
Posts: n/a
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Re: TPFT and Smokey Bike
you pay for 12 months and thats what you get, your policy still runs.
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09-06-09, 05:13 PM
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#10 | |
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Re: TPFT and Smokey Bike
Quote:
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