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Idle Banter For non SV and non bike related chat (and the odd bit of humour - but if any post isn't suitable it'll get deleted real quick). There's also a "U" rating so please respect this. Newbies can also say "hello" here too. |
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09-04-09, 07:28 PM
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#1 |
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Member
Mega Poster
Join Date: Mar 2005
Location: Llanwrtyd Wells Powys
Posts: 1,146
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Insurance question - not bikes
So I have a car, with 12 years NCD.
I buy a truck, take out a new policy with no NCD. I crash the truck into an aston martin and they claim against me. Does this claim against me on the truck policy affect my renewal on the car policy (lets assume I'm honest here an tell them like I would) ? EDIT: this is hypothetical - I havn't got the truck yet Last edited by tigersaw; 09-04-09 at 07:33 PM. |
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09-04-09, 07:30 PM
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#2 |
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Member
Mega Poster
Join Date: Jul 2008
Location: Sheffield
Posts: 10,274
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Re: Insurance question - not bikes
u get raped on all policies held.
I had a bike crash the guy claimed off me; car insurance went from 1k-2.5k, bike insurance from £300 - £800. ******s Try settle out of insurance if you can and it's worth it. I couldn't because the guy was anti biker and wanted to do the old whiplashymaroo. Your insurance premiums will be affected for 3-5 years I think and you have to start NCB all over unless it was protected.
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09-04-09, 07:31 PM
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#3 | |
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Guest
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Re: Insurance question - not bikes
Quote:
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09-04-09, 07:33 PM
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#4 |
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Guest
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Re: Insurance question - not bikes
Insurance is basically a clean way of being raped.
I find it utterly wrong that I cannot use my car's no claims on my bike policy, yet if I crash the car I have to declare it when insuring the bike...double standards? |
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09-04-09, 07:49 PM
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#5 | |
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Guest
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Re: Insurance question - not bikes
Quote:
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09-04-09, 07:53 PM
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#6 |
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Member
Mega Poster
Join Date: Jul 2008
Location: Sheffield
Posts: 10,274
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Re: Insurance question - not bikes
Welcome to the world of insurance
 You've done well to avoid them for 12 years though! I lasted like 2.
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09-04-09, 08:03 PM
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#7 |
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Guest
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Re: Insurance question - not bikes
You'll still retain your 12 years cos you didn't claim against that policy, but you need to declare the claim that was made against the other policy.
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09-04-09, 08:17 PM
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#8 |
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Guest
Posts: n/a
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Re: Insurance question - not bikes
yup it would, and if you didnt declare it and the insurance co found out they would do you for non-disclosure and void your insurance
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09-04-09, 08:18 PM
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#9 |
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Member
Mega Poster
Join Date: Jul 2008
Location: Sheffield
Posts: 10,274
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Re: Insurance question - not bikes
I lost my ncd
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09-04-09, 10:48 PM
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#10 |
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Noisy Git
Mega Poster
Join Date: Apr 2007
Location: Halifax/Leeds
Posts: 26,645
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Re: Insurance question - not bikes
But you hit someone from behind, if you'd built up NCD on another policy you would have kept that.
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Currently Ex Biker
Now rebuilding a 63' fishing trawler as a dive boat |
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