TPFT and Smokey Bike

If you don't declare it as a write off, then you should be okay. After all you can still insure a bike that is off the road being repaired. Just wait until your insurance is due for renewal and the decide to write it off

when i wrote mine off and claimed my policy still run i just swaped it to the new bike.

[Bluepete]

I would just tell the insurance company about the crash and ask them about covering the next bike on the same policy. They are the only ones who know for sure.

Plus, if you don't disclose everthing, they can invalidate any policy you have with them, and then you could have trouble getting insurance in the future.

JW

[G]

I say go pick up whats left of it and leave it in your garage......... if your not claiming they cant dertermine it as a write off....therefore the lump of (molten) metal which is effectively still a bike (Kind of) you may feel inclined to spend some time repairing (yeah right ) so you still want insured....so let it run until the end.

Its still a bike, its still yours, its not been claimed against so is not a write off, and is still in your possession so the insurance is still valid.

Wait for the insurance to lapse after 12 months, get your NCD, scrap ithe metal, inform the DVLA....job done.

Originally Posted by Mr Speirs

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??

you can claim, doesnt matter how the fire started your covered...

I know I checked with mine several times, try again as I belive very strongly you can claim....

dont scrap it leave it in the garage til july, then scrap.

Originally Posted by 454697819

you can claim, doesnt matter how the fire started your covered...

I know I checked with mine several times, try again as I belive very strongly you can claim....

Wouldn't that be tempting people who have only insured their bikes TPFT to "let" the bike catch fire after a spill? I would have thought the insurance companies would be wise to that.

Normally I would say let the insurance run, as I did after we broke the Sv, but as you've informed them of the total loss I don't know. Why not ask the insurers? Best to know now, than find out your new policy is void if, god forbid, you need to claim again.

[Stu]

Originally Posted by petevtwin650

Wouldn't that be tempting people who have only insured their bikes TPFT to "let" the bike catch fire after a spill? I would have thought the insurance companies would be wise to that.

.

No that's completely different that's arson! FFS!
Why not say your bike was stolen if you crash it?
I also feel very strongly that you should receive a full payout Britney.
But it depends what your policy says exactly - what does it say? & don't ask your insurance co. find out for yourself & tell them!

Originally Posted by Stu

No that's completely different that's arson! FFS!
Why not say your bike was stolen if you crash it?

How can they prove it's Arson after the fuel has leaked out and the bikes slid along the road, but getting a bike away from a crash scene and disposing of it would be too difficult.

I'm not for one moment advocating either of those courses of action Stu, just saying that if fire after a crash meant it was covered I would expect there to be many more claims on TPFT, and insurance companies ain't that naive.

Copy of my Insurance book. They will argue that the fire damage was to a worthless bike that had been crashed.

[Dave20046]

Originally Posted by Jamiebridges123

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.

I'd assume you might need to notify your insurers at some point ms speirs just incase you get a massive bill from the guardians of the snake pass' armcos?
Any idea where you stand with that yet? I'm pretty sure if you just leave it but don't need to claim you should still get your NCD. It's actually claiming from the policy that fecks your NCD not losing your wheels