Accident query...

firstly its not me and its not IP despite being in plaster.

one of our new members threw his SV up the road 4 days after picking it up. Given that its only damaged and no thrid party involved does he need to inform the insurance company?
and If so will this affect car insurance premiums?

thanks in advance on behalf of a very silly little boy!

[Drew Carey]

Is he fully comp or TPO / TPFT?

Either way, I don't believe you need to inform them, unless he is fully comp and wishes to claim as the damage is extensive.

[the_lone_wolf]

Technically yes, he should inform them of ANY accident. In reality there is NO way they could find out unless the police attend or it makes the papers etc etc.

So in reality it's probably not worth it, I certainly wouldn't bother...

As for it affecting his car insurance it would vary from underwriter to underwriter, the only way to be sure would be to contact them - PITA and avoided by taking the advice from above^^^

If no-one saw it it didn't happen

[the_lone_wolf]

Originally Posted by carty

If no-one saw it it didn't happen

Getting a bit philosophical now...

If an SV falls and nobody is around to hear it, does it make a noise?

the boys damage his right clip bar indicator and fairings - low slide on roundabout - bike was minted only done 1800 miles - the fairing can be left (got the paint in the workshop somewhere ) but probably not going to exceed his excess.
See I personally wouldn't say anything the damage could be done by dropping it in his back yard ( which he did on sunday)

Originally Posted by carty

If no-one saw it it didn't happen

Or if no one bothered to stop and help more likely.

I had an accident many years ago where by I did not hit anyone, only road furniture. The police were involved. I never claimed from my insurance even though the bike was fully comp and there was no one to make a claim against me.

Or so I thought.

Years later (about 3) I received a letter from MIB stating a third party had attempted to make a claim against me for my bike accident and because my insurance company had no record of the accident, they refused to pay. MIB came after me as being involved in an accident without insurance. Eventually found out the third party was the highways agency who stuck in a claim to replace the section of barrier I had collided with.

Just saying this for anyone else who might be reading it. Before you decide not to inform your insurance company of the accident, be sure there are no other persons who are likely to make a claim. So yes, basically, if no one saw it, it didn't happen.

[Tom_the_great]

Originally Posted by Stig_Of_The_Dump

Or if no one bothered to stop and help more likely.

I had an accident many years ago where by I did not hit anyone, only road furniture. The police were involved. I never claimed from my insurance even though the bike was fully comp and there was no one to make a claim against me.

Or so I thought.

Years later (about 3) I received a letter from MIB stating a third party had attempted to make a claim against me for my bike accident and because my insurance company had no record of the accident, they refused to pay. MIB came after me as being involved in an accident without insurance. Eventually found out the third party was the highways agency who stuck in a claim to replace the section of barrier I had collided with.

Just saying this for anyone else who might be reading it. Before you decide not to inform your insurance company of the accident, be sure there are no other persons who are likely to make a claim. So yes, basically, if no one saw it, it didn't happen.

+1

Originally Posted by the_lone_wolf

Getting a bit philosophical now...

If an SV falls and nobody is around to hear it, does it make a noise?

Nothing philosophical about it, the SV fell over it made some vibrations in the matter that we call air but without any human to interpret the vibrations as noise, it did not make any noise.

Originally Posted by alexh

Nothing philosophical about it, the SV fell over it made some vibrations in the matter that we call air but without any human to interpret the vibrations as noise, it did not make any noise.

But the bugs HEARD it.









.......taxi!