My First Accident on my SV

Originally Posted by Kate

Your premimums will be affected. I have a non-fault claim and that increased my premium by a couple of hundred quid. It doesn't matter if its non-fault or not, the fact that you've reported it means its going to increase the premiums for the next 5 years or so.

Thats really not entirely correct. I have 2 non faults registered against the SV and the CBR. The only time I had a problem was getting the CBR insurance as a multi-bike because the other was outstanding. Given it had been settled by renewal time it had absolutely no effect on my premium for the SV.

But thats the crux of it. IF the cases are outstanding and no fault admitted by third party at time of renewal, then yes your policy will be loaded for the risk that they may have to accept some blame. IF the case is settled, it wont load your premiums.

Personally, if there is no damage to the bike I wouldn't report it to the insurance company, I've learnt that lesson.

Again, what applies to you doesnt necessarily apply to someone else.

To advise against reporting it could seriously damage someones case if the other person does and they tok your advice and didnt report it.

You certainly do not know how underhand the other person is going to be in making a claim against you. If you dont report it at the time then they contact you after receiving the third partys insurance claim, its not exactly going to look good for you is it? You may trust the other person, frankly I dont trust anyone enough not to.

[Biker Biggles]

Bad doos mate.It's mostly been said above, but one thing struck me as odd.Did your bike go over and you with it?If so there surely must be some scratches to the bar ends,levers exhaust or something?And your clothing must have got scuffed on the road,and your lid damaged?As someone said a stiff neck is always a possibility and will be worth a grand or two in compensation.

Originally Posted by fraser01

Update in relation to the bike RTI near IBM, it appears that the bike slid after loosing traction due to loose gravel. Bike hit a lamp post. The rider received injuries, broken left thigh, 5 breaks to his hips and a broken wrist.

Ouch, that had to hurt. Hope he pulls through OK.

Why don't local authorities sweep the roads anymore? Bunkers Hill is bad and also the Road the other side of Swanick, I think it's called Twisted Walk Lane or similar, it's the lane that leads up to Portsdown Hill ffrom the roundabout.

Tim

Originally Posted by Biker Biggles

Bad doos mate.It's mostly been said above, but one thing struck me as odd.Did your bike go over and you with it?If so there surely must be some scratches to the bar ends,levers exhaust or something?And your clothing must have got scuffed on the road,and your lid damaged?As someone said a stiff neck is always a possibility and will be worth a grand or two in compensation.

I didn't go down, I manged to keep hold of it. As I said I had just started to pull away, I must have been doing no more than 4 miles an hour as I had only just engaged the clutch. The bars came up as the bike lurched forward. At first my mind thought the clutch cable must have snapped. It wasn't until my brain registered the sound of the impact that I realised what had happened.

Tim

Originally Posted by stu369

Does everyone agree, a not at fault accident would not increase your insurance premiums?

ive learned from experiene that a non fault accident, non claiming accident, non damage accident DOES increase your premiums, many insurance companys will be honest and say that its because you have had an accident, while some will claim that the broker has put up their fee's

Glad your ok.

I haven't had a fault claim in 15 years but had 4 non-fault, got charged admin fees from £20 to £35 for "policy amendment" ( I have 3 policies) and premiums have been inflated because I allways seem to have at least 1 running non-fault at renewal. I try phoning round but I've been told numerous times risk is not about blame and the best renewals always seem to be with the companies Im already with. I still keep reporting accidents though, it's better than finding the insurance can wriggle out of a claim.

That said - if you were driving a car you may be prepared to take the chance on there being no damage, although in my experience a rear ender on a car always does damage that sometimes doesn't become apparent for a while (or in my case till it rained and the boot filled up???)
As your riding a bike you have to be extra careful - it would be a disaster if something on the rear or even front suspension failed at speed due to your accident, bike frames can be bent just by a standing drop - get it checked by a professional and claim that cost, go for whiplash - use that to offset any additional insurance costs.

[JediGoat]

Having made a no-fault claim last year, which was settled, I recently had my renewal letter from Bennetts. The quote for TPFT with them was £300-350 higher than all the other quotes I got for Fully Comp! The renewal letter also made no mention of my 1yr NCD that I should have earned.

Seems the reason behind it was that the underwriters hadn't informed them that the claim had been settled as 'no-fault'. Once Bennetts confirmed this with the underwriters, they offered me a quote on par with the others I'd received.

So it seems that my premium has been unaffected by the claim....but then it was all settled 9 months ago.

Jo