Small motorcycle spill

newbiebiker

Hello all,

Earlier this year, I slipped off of my motorcycle at low speed on a greasy road, I scuffed the bike up a bit (Not badly, not on anything that wasn't already old and battered anyway!) and hurt my arm and ankle.

I was driven to A&E by a mate just to be on the safe side and get checked out (I'd not broken anything and was sent home). Another friend rode the bike home.

I definate did not damage anyones property or involve a third party and I DO NOT WANT to claim for damage to my bike, I'm just wondering whether I need to:

* Inform my bike insurers
* I'm just about to take a car policy out (Starting driving this year), do the car insurers need to be informed?

Thanks for any help

mcjordi

if you didnt damage any street furniture ie lamppost etc and you dont want to claim then no you dont have to tell em

Cat695

mcjordi is correct do not tell them anything otherwise you will be paying through the nose

no claim then no need to tell anyone

other than get yourself on a bikesafe course with the police....its free where I am and a brilliant 1 day course.....makes you realize just how slow you are

http://www.bikesafe.co.uk/

newbiebiker

Thanks!

I've already done Bikesafe

But yeah I didn't damage anything apart from my already tatty bike and myself! when I went to A&E they took my name and a statement of what happened so I wasn't sure what to do.

Thanks again

Atermis

Beware, it could be in your policy documentation, that if you are involved in ANY incident, then they must be informed.

newbiebiker

What constitutes an incident though? What if I knocked it over in my garden?

Am unsure now, I won't be riding the bike again until the policy lapses any how.

mcjordi

yeah but if you inform them of everything that happens to your bike/car then they will be majorly peeved at you, ie ooops i sratched it best fone insurer to let em no, its common sense, it will mean if you hit someone else or damage something then you have to inform them that way your covered should anything happen ie comebacks

newbiebiker

So is this ok then? As I said, I caused no third party loss, and I don't have any intention of riding the bike until the policy lapses anyway!

FlameCloud

mcjordi wrote: »

if you didnt damage any street furniture ie lamppost etc and you dont want to claim then no you dont have to tell em

This is stupid advise. With motor insurance you have a continueing duty of disclosure for anything that affects the risk you pose to insurers.

This means that in laymans terms, you need to disclose anything which could give rise to a claim- in this case you have damaged the bike (albeit lightly) thus you should tell them.

It is up to you whether your do though.

newbiebiker

Doh, still have no idea what to do!

newbiebiker

FlameCloud wrote: »

This is stupid advise. With motor insurance you have a continueing duty of disclosure for anything that affects the risk you pose to insurers.

This means that in laymans terms, you need to disclose anything which could give rise to a claim- in this case you have damaged the bike (albeit lightly) thus you should tell them.

It is up to you whether your do though.

So if I was only TPO then I wouldn't have to disclose it, as it couldn't give rise to a claim?