Motorbike Insurance whilst claim outstanding

lerxxst

My 17 year old son was knocked off his motorbike by a woman who hit his rear wheel. She is claiming it's his fault! Whilst the claim is ongoing getting a "reasonable" insurance quote for his new bike is proving impossible. I've had one quote for £94500 - it would normally be about £700 TPFT - the cheapest I can find is £2800 because until the claim is settled the insurance companies insist it's his fault.
Does anyone know how we can get a decent quote & what happens if it ends up deemed to be 50/50? Does that mean he has to fill in all subsequent quotations as "at fault"?
Thanks

mcjordi

ring the insurers direct and explain that it is an ongoing claim, liability is yet to be decided yada yadda

Torby

just out of curiosity....what is his new bike....and why is he changing insurance companies?

lerxxst

Suzuki Bandit 600 (restricted)
Previous bike was a 30 year old Superdream on classic insurance & therefore not transferrable without HUGE cost

Torby

Suzuki Bandit 600 !!!!....at 17???...that could be part of the problem...what licence does he hold, when did he do his test etc?

lerxxst

Like I said he can get insurance for £700 when he fills in as "not at fault". As soon as he adds "at fault" it goes to £2800!

olly300

lerxxst wrote: »

Like I said he can get insurance for £700 when he fills in as "not at fault". As soon as he adds "at fault" it goes to £2800!

Torby is trying to be helpful.

So you may as well answer his/her question.

lerxxst

A2 licence, CBT Dec2008, passed test Feb 2009.

ciano125

One of the benefits of being young I'm afraid. I paid £500 when I was 25 to insure a 3 year old fireblade TPFT, now, four (claim free luckily) years later its just over £100.

I'd imagine once he is found not to be at fault he could either claim the extra expense he has incurred back, or re-insure with the not at fault claim.

dSc_2

Hi there

As far as I am aware, when you fill in an online form for a quote with most comparison sites and direct insurers, when filling in previous claims there is usually an option for "ongoing claim".

However, if not, you will have to phone round each insurer individually, explain the situation (that it is a non-fault claim, but yet to be established), and obtain quotes this way.

The other option, although it does not come highly recommended, is to declare the accident non-fault when taking the quote, and then, if it is subsequently established that the accident was not your son's fault, jobs a good 'un. If it becomes 50-50, explain this to your insurance company who may or may not increase the premium.

For future reference:
- always look for a witness; if third party admits liability at the scene, he will often change his mind the next day.
- take photos and draw a nice diagram for your insurer.
- declare everything to your insurer; when it comes to a claim, undisclosed accidents/endorsements will always bite you where it hurts. (so declare if it does become 50-50!)

Hope this helps.