Thumper Club Forum

Technical => Bike Problems/Questions => Topic started by: spooky on September 19, 2019, 05:13:45 PM

Title: insurance claim advice
Post by: spooky on September 19, 2019, 05:13:45 PM

I had a small incident in which my silencer fell off and put a small dint in a car. If i put it through my insurance as a `fault incident` and am not claiming for my own vehicle,  will my renewal be excessive ? I know it will put my premium up.  The car owner wants me to give him £200 cash and he will go away.  it is a lease car not his own, I am inclined to put it through my insurance, any suggestions ?  Quick response would be handy guys... :(

Title: Re: insurance claim advice
Post by: Moto63 on September 19, 2019, 06:48:10 PM

Give him the £200 I say. Or offer him £150 and see how he reacts to that offer.  Just make sure he signs something to make sure he really does "go away " best of luck
Cheers, Michael

Title: Re: insurance claim advice
Post by: Steve Lake on September 19, 2019, 09:50:28 PM

tempting to pay the £200 isn't it ....    but that way lies all sorts of gremlins  like A) will he 'go away' B) you are still required to tell your insurance company about the accident.

So, my advice is to put it through as a third party claim, as you say you will not be claiming yourself, yes it will affect your renewal premium  but thats life, you will be legal and above board with your insurance company, which, in my view is important.

you may lose some NCD credit, unless you have it covered.

Title: Re: insurance claim advice
Post by: spooky on September 20, 2019, 07:08:07 AM

Yep, I think I will do it above board, he won`t like it but that`s tough,  thanks for opinions. 

Title: Re: insurance claim advice
Post by: Smithy on September 20, 2019, 07:37:28 AM

Hi

I'm with SteveL, do everything legally and above board. Ask yourself why this guy is so keen to keep it under the radar. Also these days things can come back and bite you if they aren't fully done by the book. Play safe mate, a small rise in premium is worth the peace of mind I think.

Ian

Title: Re: insurance claim advice
Post by: spooky on September 20, 2019, 10:10:28 PM

I passed it on to insurers, at least i can stop worrying about it , i will put a few quid away every week until renewal time in march to try and cover the increase a bit.,  hope it doesn't go up too much,     :(       on a brighter note, i got the bus into durham and back tonight, had three pints and spent £4  !!!! don`t you just love Sam Smiths OB..    ( £2 a pint but an acquaintance bought myself and a mate a pint  before he left)

Title: Re: insurance claim advice
Post by: themoudie on September 20, 2019, 10:45:02 PM

Thas a way to do it!  ;D

Slainte, Bill

Title: Re: insurance claim advice
Post by: spooky on September 21, 2019, 09:32:57 PM

Forgot to say.. oap bus pass ensured free bus rides as well..!! :)

Title: Re: insurance claim advice
Post by: iansoady on September 22, 2019, 09:07:27 AM

Age has its compensations......

Title: Re: insurance claim advice
Post by: Ian on September 22, 2019, 01:10:43 PM

Quote from: iansoady on September 22, 2019, 09:07:27 AM

Age has its compensations......

But not many 🤔

Title: Re: insurance claim advice
Post by: iansoady on September 23, 2019, 10:18:29 AM

Oh I don't know. I'd rather be my age now than in my 20s.

Title: Re: insurance claim advice
Post by: spooky on September 23, 2019, 11:20:43 AM

so would i .. ;D

Title: Re: insurance claim advice
Post by: Steve Lake on October 03, 2019, 05:03:02 PM

I wouldn't mind being 30 with everything i know now  ;D