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-   -   insurance question.... 1st accident (http://forums.sv650.org/showthread.php?t=138202)

Wideboy 25-08-09 08:43 PM
insurance question.... 1st accident
 
having never made a claim i have question

following my little ding dong yesterday, it was my fault so bloke is claiming off my insurance, i am only TPFT so wont be claiming for my bike :smt012, will i have to pay the excess?

from what i can remember it was only paintwork damage to his car so would rather settle out of insurance to save my 3 yrs no claims

speedplay 25-08-09 08:45 PM
Re: insurance question.... 1st accident
 
glad your still alive mate, sod the insurance, your ok thats the main thing.

Wideboy 25-08-09 08:47 PM
Re: insurance question.... 1st accident
 
Quote:
Originally Posted by speedplay (Post 2015870)
glad your still alive mate, sod the insurance, your ok thats the main thing.
lol thanks :D

thefallenangel 25-08-09 08:47 PM
Re: insurance question.... 1st accident
 
look into it, if the repair is gonna cost a couple of hundred quid it will be worth it in the long run.

Also no excess will have to be paid as you will repair out of insurance.

metalmonkey 25-08-09 08:49 PM
Re: insurance question.... 1st accident
 
You pay your excess, thats the end of it. Have you got protected no cliams?

End of day **** it, its only money.

kwak zzr 25-08-09 08:50 PM
Re: insurance question.... 1st accident
 
you only pay the XS if you claim, id try to settle out if you can and save that valuable NCD but saying that thats what insurance is for init? ive claimed twice now in the past 4 years and ain't really seen much increase in my premiums.

Wideboy 25-08-09 08:51 PM
Re: insurance question.... 1st accident
 
Quote:
Originally Posted by Bluethunder (Post 2015877)
You pay your excess, thats the end of it. Have you got protected no cliams?

End of day **** it, its only money.
my excess? so i only pay it if i make a claim?, no i don't have it protected

easy to say that but im broke anyway :(

Sudoxe 25-08-09 08:58 PM
Re: insurance question.... 1st accident
 
No, the excess is only in the if you claim, i.e. in the event of a fire or theft.

Wideboy 25-08-09 08:59 PM
Re: insurance question.... 1st accident
 
how about if i claim on personal injury which is included with my policy?

metalmonkey 25-08-09 08:59 PM
Re: insurance question.... 1st accident
 
Quote:
Originally Posted by Wideboy (Post 2015881)
my excess? so i only pay it if i make a claim?, no i don't have it protected

easy to say that but im broke anyway :(
Right if the dude you hit claims against you, then you pay excess as per your insurance policy.

If its not protected then, you lose that too so yes your insurance will cost more when its pay up time. Its down to the dude you hit wanting his motor fixed hence the claim aginst your insurance ect.

Its a ****ty thing howver it happens to us all, I have only smashed up one car since 17...just work on getting better the rest will sot its self out.

Take care:cool:


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