Car accident - any effect on bike insurance? - SV650.org

25-02-07, 10:05 PM

You'll have probably seen that I've had a bump in the car. Liability is deemed to be mine so I will lose my NCB on the car - it sucks big time but c'est la vie...

Question is - do I have to declare the car accident to my bike's insurer too? And if so, when? Should I do it immediately or when my policy's up for renewal? I seem to remember when I first insured the bike that the insurance co. wanted to know about any accidents or claims in any vehicle, but I may be imagining it...

Also, will it have any effect on the NCB i've built up on the bike (will be 2 yrs in July)?

Sorry if it's a numpty question!

25-02-07, 10:10 PM

not sure about this but i am in a similar situation, i think you should tell your insurance company's but you may only loose the one bonus thats why we build up the 2 surely.

TSM · 25-02-07, 10:12 PM

no the ncb will not be lost as its acumulated for each type of transport and on each policy, so if you had 2 bikes and 2 policies then you could loose the NCB on one and still have it on the other, but you cant add them together, you also have to declare any accidents of any transport to all insurers.

25-02-07, 10:14 PM

thanks TSM.

25-02-07, 10:15 PM

Cheers TSM.

Stu · 25-02-07, 10:18 PM

I'll agree with Kwak. Sucks real big time that we have to declare accidents at renewal time in other vehicles but shouldn't affect bikes NCB.

I think it's a completely different risk how you treat a car and how you treat your bike.

edit: TSM's too quick for me so not metioned

25-02-07, 10:21 PM

pi$$es me off that i have to declare my accident when it wasnt my fault, i'm out of pocket and ive had no claim made yet?

steveg · 25-02-07, 10:43 PM

Tell me about it

My wife wrote my car off ( she's a named driver on my car insurance) & I have to declare it on my bike insurance.

I wrote my bike off , thought no problems I had got Protected NCB of 8 years , turned out protected meant step back to 2 years NCB

Day light robbery !

Cheers Steve

25-02-07, 10:51 PM

Well I was out the country for 2 2/2 years, came back and my 4 yrs NCB were now not valid...(company car, insurance not in my name etc..) v annoyed, car insurance is costing me a lot....

Still got to insure the SV over here so will be interested if they'll take my 18 mths NCB (even if it gets rounded down to a year) over here. Anyone got experience of this?

26-02-07, 08:49 AM

I came back to biking after a 4 year break to by a house (no spare cash) and i lost my full no claims sooo peeed.

25-02-07, 10:05 PM	#1
El Saxo Guest Posts: n/a	Car accident - any effect on bike insurance? You'll have probably seen that I've had a bump in the car. Liability is deemed to be mine so I will lose my NCB on the car - it sucks big time but c'est la vie... Question is - do I have to declare the car accident to my bike's insurer too? And if so, when? Should I do it immediately or when my policy's up for renewal? I seem to remember when I first insured the bike that the insurance co. wanted to know about any accidents or claims in any vehicle, but I may be imagining it... Also, will it have any effect on the NCB i've built up on the bike (will be 2 yrs in July)? Sorry if it's a numpty question!

25-02-07, 10:10 PM	#2
kwak zzr Guest Posts: n/a	Re: Car accident - any effect on bike insurance? not sure about this but i am in a similar situation, i think you should tell your insurance company's but you may only loose the one bonus thats why we build up the 2 surely.

25-02-07, 10:12 PM	#3
TSM The Sick Man Mega Poster Join Date: Nov 2004 Location: Peckham.SE.LDN Posts: 4,768	Re: Car accident - any effect on bike insurance? no the ncb will not be lost as its acumulated for each type of transport and on each policy, so if you had 2 bikes and 2 policies then you could loose the NCB on one and still have it on the other, but you cant add them together, you also have to declare any accidents of any transport to all insurers. __________________ OTR: KTM 690 Duke R 2015 Full Akro SIDELINE: Kwak ZX636 A1P 2002, Red, R&G's, Yoshi, Double Bubble Screen GONE: Kwak ZX-7R P1, Full Akro, Undertray, Screen GONE: SV650S K2 Very Bruised & Without Fairing, Motovation Frame Sliders, R&G Ally Sprocket Toe Protector, HEL 2 Line Setup, GSXR K1 600 RWU Forks, Barnett Clutch & Springs, Penske 8981 Shock, Gilles Ti Rearsets, Steel Barends, Scottoiler, AFAM Chain & Sprockets, Twin FIAMM Horns, Skidmarx Bellypan, Full Micron Zeta Steel System, Cut down undertay. Forum Problems & Information / Site Suggestions

25-02-07, 10:14 PM	#4
kwak zzr Guest Posts: n/a	Re: Car accident - any effect on bike insurance? thanks TSM.

25-02-07, 10:15 PM	#5
El Saxo Guest Posts: n/a	Re: Car accident - any effect on bike insurance? Cheers TSM.

25-02-07, 10:18 PM	#6
Stu Trinity Mega Poster Join Date: Jun 2006 Location: Guildford Posts: 8,027	Re: Car accident - any effect on bike insurance? I'll agree with Kwak. Sucks real big time that we have to declare accidents at renewal time in other vehicles but shouldn't affect bikes NCB. I think it's a completely different risk how you treat a car and how you treat your bike. edit: TSM's too quick for me so not metioned

25-02-07, 10:21 PM	#7
kwak zzr Guest Posts: n/a	Re: Car accident - any effect on bike insurance? pi$$es me off that i have to declare my accident when it wasnt my fault, i'm out of pocket and ive had no claim made yet?

25-02-07, 10:43 PM	#8
steveg Member Join Date: Jan 2006 Location: The Midlands Posts: 892	Re: Car accident - any effect on bike insurance? Tell me about it My wife wrote my car off ( she's a named driver on my car insurance) & I have to declare it on my bike insurance. I wrote my bike off , thought no problems I had got Protected NCB of 8 years , turned out protected meant step back to 2 years NCB Day light robbery ! Cheers Steve __________________ ex - red sv650s 06 reg Now Triumph sprint 1050 ABS 05 Reg AKA Papa Smurf

25-02-07, 10:51 PM	#9
Tim in Belgium Guest Posts: n/a	Re: Car accident - any effect on bike insurance? Well I was out the country for 2 2/2 years, came back and my 4 yrs NCB were now not valid...(company car, insurance not in my name etc..) v annoyed, car insurance is costing me a lot.... Still got to insure the SV over here so will be interested if they'll take my 18 mths NCB (even if it gets rounded down to a year) over here. Anyone got experience of this?

26-02-07, 08:49 AM	#10
bod Guest Posts: n/a	Re: Car accident - any effect on bike insurance? I came back to biking after a 4 year break to by a house (no spare cash) and i lost my full no claims sooo peeed.

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