Motorbike insurance advice: Non-fault accidents and insuring bike kit
09 April 2010 17:16
When you are making a motorbike insurance comparison, be sure to include all the accidents on your motorbike, even if you didn’t make an actual insurance claim, or there wasn’t one against you.
Say you came off your motorbike and it slid along the road and hit a car in front three years ago, writing off the bike.
But as you were only TPFT in this case you didn't make a claim and the car driver didn’t claim against you as there was no damage to his car.
Your old insurers have said that it's down on their records as a non-fault accident and they have no records of a claim being made against you, so you might think you can forget about this accident.
But you will have to disclose this for at least three years when making a motorbike insurance comparison as your insurer back then entered it on one of the registers.
If the insurer has closed the incident as no claim made simply enter £1 on the motorbike insurance search engine and put the incident as non-fault.
Insuring your bike kit
When you are making your motorcycle insurance comparison, it’s worth considering whether they will cover your kit as well.
You should be able to get cover against theft simply by adding your bike gear to your home contents insurance on an "all-risks" basis.
It’s probably covered already, but as some of it can be worth a lot of money it’s worth notifying your insurers to ensure they will pay out.
Some motorcycle insurers will provide cover against damage to clothing in an accident as part of the policy which covers your bike.
Your best bet is to phone around the top four firms you pick from your motorcycle insurance comparison when it’s time to renew your insurance to find the best deal covering both the bike and the kit.
It will add a bit to your premium, but if you’ve got a very valuable helmet or leathers it’s worth the extra expense.