Do you lie? - Page 3 - SV650.org

26-07-05, 09:03 AM

Quote:

Originally Posted by BigApe

Quote:

Originally Posted by jonboy

I would only inform the insurance company if I'd had a crash involving another vehicle or was hospitalised.

.

Disagree.

Well my reasoning for that is based on the fact that an accident is officially on the hospital records and the insurance company have a chance of finding out, at which point it becomes fraud and your policy null and void.

.

26-07-05, 09:21 AM

Hmmm. When is a crash a crash?

Also, the way they sometimes word the question of whether you've had an accident isn't to ask whether you've had an accident or not, it's to ask if you've incured a loss. In the case of falling off your bike with noone else involved, I'm not sure you'd have to answer yes to that. Could be wrong though.

BillyC · 26-07-05, 09:21 AM

Obviously I wouldn't want to waste the insurance company's time with little knocks and prangs - we're equally talking car as well as m/bike insurance here.

My grey area is telling my car insurance about my motorcycle accident. They're two very different mediums of transport, as we all know. My method for driving each is equally as different.

So, I think the only porky I've done is not tell my car insurance about my bike slide, afterall, technically no other vehicle was involved. My car record is clean as a whistle nowadays, apart from the humungous fault claim that was a new windscreen after a stone chip

a couple of years ago.

After collecting 6 points in my first couple of years of driving - something that would now have lost me my licence; and having had an accident and a claim (separately) before I was 19, I quickly realised how these things cripple your ability to afford insurance. Since then I tried to be the safest driver I could be.

The points expired long ago, the claims have disappeared from my records, and my licence and general record is now clean. So really I have nothing to lie about, and that's what I wanted to achieve, and how I want it to stay!

BillyC · 26-07-05, 09:23 AM

Quote:

Originally Posted by jonboy

Well my reasoning for that is based on the fact that an accident is officially on the hospital records and the insurance company have a chance of finding out, at which point it becomes fraud and your policy null and void.

Wouldn't that involve them checking your medical records without permission?

A considerably more serious offense, allowing the prosecution of both insurance company and medical staff involved.

26-07-05, 10:00 AM

But if it came to a criminal prosecution then they have the right to look at those records I believe.

Admittedly we're talking about a very small chance of being found out but with today's escalating information gathering and recording, it won't be long methinks before this sort of check is simply automatic.

.

26-07-05, 10:07 AM

I declare my accidents, not worth the risk not doing so....

don't tell em about the mods tho

26-07-05, 10:17 AM

Sometimes it depends on the insurer... my wife put me onto her car insurance after I sold my car. She mentioned the non-fault bike claim last year and said I was in an accident this year, not at fault but still going through. They said it wouldn't matter for the car whether I was at fault on the bike accident or not... though I'm sure there are insurers out there who would ramp up the premium for something like that. Only cost her £20 more to put me on it.

26-07-05, 10:47 AM

I dropped my bike a couple of times last year within a month of getting it. Total inexperience (then I did an army land rover raleigh and became confident on all vehicles on the road because it turns out I'm actually a good competitive driver).

Anyway, I'm only tpft so I dealt with it myself. There is no way in hell that I will ever tell them. As soon as I went down both times I got back on and drove away slowly (first time stuck in second because of no gear pedal, 2nd time with no rear brake pedal and a broken finger), leaving no evidence of my presence, no one with my name or details.

I would be an idiot to tell them.

(And now I am a safe, confident rider, just in case you are wondering)

26-07-05, 11:14 AM

Anything that gets claimed through insurance gets mentioned anything else doesn't, the motor insurers database will have records and it's not worth the risk in them not paying out on a claim.

26-07-05, 11:57 AM

Quote:

Originally Posted by Wiltshire7

.........but my insurance is insane! im 22 and spending 2k on insurance aint my cup of tea!!!

They're not just insuring you/your bike; personal injury payments can be huge.

OK - in your biking career to date, how much have you paid for insurance and how much have the companies paid out? Is it really "insane"?

I pay about £400 per year for my car and have never had a fault accident in the 17 years that I've had a car. Two no-fault accidents (the third party's insurance paid in full), the most recent in 1997. I've cost the insurance companies absolutely £0.00 other than admin costs.

I also pay about £400 per year for the bike. So far so good there, too.

I reckon I've paid about £8-10,000 for motor insurance over the years without a single claim. Now that's insane

View Poll Results: Do you tell your insurance company every crash u have had in the last 5 years?
Yes, i woulnt risk it myself.	22	59.46%
No, a little lie about a minor crash which wasnt my fault.	9	24.32%
I have lied about more than 1 crash to save big bucks.	5	13.51%
Only mugs pay for insurance!	1	2.70%
Voters: 37. You may not vote on this poll

26-07-05, 09:21 AM	#23
BillyC Moderator Mega Poster Join Date: Nov 2003 Location: The exiles of Kent Posts: 2,184	Obviously I wouldn't want to waste the insurance company's time with little knocks and prangs - we're equally talking car as well as m/bike insurance here. My grey area is telling my car insurance about my motorcycle accident. They're two very different mediums of transport, as we all know. My method for driving each is equally as different. So, I think the only porky I've done is not tell my car insurance about my bike slide, afterall, technically no other vehicle was involved. My car record is clean as a whistle nowadays, apart from the humungous fault claim that was a new windscreen after a stone chip a couple of years ago. After collecting 6 points in my first couple of years of driving - something that would now have lost me my licence; and having had an accident and a claim (separately) before I was 19, I quickly realised how these things cripple your ability to afford insurance. Since then I tried to be the safest driver I could be. The points expired long ago, the claims have disappeared from my records, and my licence and general record is now clean. So really I have nothing to lie about, and that's what I wanted to achieve, and how I want it to stay! __________________ SV650 K3 - Gone. Now a member of the SV650.org Kawasaki brigade!

26-07-05, 09:21 AM	#22
Flamin_Squirrel Guest Posts: n/a	Hmmm. When is a crash a crash? Also, the way they sometimes word the question of whether you've had an accident isn't to ask whether you've had an accident or not, it's to ask if you've incured a loss. In the case of falling off your bike with noone else involved, I'm not sure you'd have to answer yes to that. Could be wrong though.

26-07-05, 10:00 AM	#25
jonboy Guest Posts: n/a	But if it came to a criminal prosecution then they have the right to look at those records I believe. Admittedly we're talking about a very small chance of being found out but with today's escalating information gathering and recording, it won't be long methinks before this sort of check is simply automatic. .

26-07-05, 10:07 AM	#26
Iansv Guest Posts: n/a	I declare my accidents, not worth the risk not doing so.... don't tell em about the mods tho

26-07-05, 10:17 AM	#27
SVeeedy Gonzales Guest Posts: n/a	Sometimes it depends on the insurer... my wife put me onto her car insurance after I sold my car. She mentioned the non-fault bike claim last year and said I was in an accident this year, not at fault but still going through. They said it wouldn't matter for the car whether I was at fault on the bike accident or not... though I'm sure there are insurers out there who would ramp up the premium for something like that. Only cost her £20 more to put me on it.

26-07-05, 10:47 AM	#28
nuntius Guest Posts: n/a	I dropped my bike a couple of times last year within a month of getting it. Total inexperience (then I did an army land rover raleigh and became confident on all vehicles on the road because it turns out I'm actually a good competitive driver). Anyway, I'm only tpft so I dealt with it myself. There is no way in hell that I will ever tell them. As soon as I went down both times I got back on and drove away slowly (first time stuck in second because of no gear pedal, 2nd time with no rear brake pedal and a broken finger), leaving no evidence of my presence, no one with my name or details. I would be an idiot to tell them. (And now I am a safe, confident rider, just in case you are wondering)

26-07-05, 11:14 AM	#29
creamerybutter Guest Posts: n/a	Anything that gets claimed through insurance gets mentioned anything else doesn't, the motor insurers database will have records and it's not worth the risk in them not paying out on a claim.