multi 'vehicle' cover

i know you can get multi bike insurance, and multi car insurance,

but is it possible to get multi vehicle insurance? want to have my bike and
the new car on the same policy to save money if possible,

bikes currently with ebike, was thinking of using ecar for the car, so as
they are the same company (egroup) i'd have expected discounts for having
both vehicles insured with them, but it seems not to be the case... unless
anyone knows different.

 

Auntie Carole was planning something similar - dunno if it ever came
off. Try asking them.

 

Make a claim on one insurance and you've lost on both anyway (if you have
two separate policies for cars and bikes)

When getting insurance quotes, you're asked have you had ANY accidents, not
any "bike" or "car" accidents and the insco's don't care what you were
driving/riding from that point.

--
Beav

VN 750
Zed 1000
OMF# 19

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Beav

Absolutely not true, IME.

 

Hang on. There are two different issues. One is NCB - which is per
policy - and the other is claim history which is per driver (rider).

Cheers

Nick

 

Using the patented Mavis Beacon "Hunt&Peck" Technique,
typed

All I know is that I specifically asked my car insurer whether they
wanted to know about the bike claim and was told that they don't care.

 

i've had a claim on my motorhome policy, and it affects my bike and car
policies even tho they are totally seperate companies (costs me about £100
extra a year because of that)
actually they dont even ask what vehicle the claim was for, they just want
to know who's fault it was, and what it cost the insurers,

but that is the opposite way round to wun's claim (i.e bike claim car
insurance)


anyhoo, found there's family fleet insurances, but they seem to be for the
poncey lot who buy each other another car for xmas and birthdays, some
specificaly say they cater for the 'affulent' people who own multiple
vehicles.

i'm far from affulent, think scum classifies me better but IDGAF, just i
have no brats, rent the house, don't drink, smoke, take drugs (except
perscription ones that are free for me) hence have very little outgoings
compared to some,
my biggest expence is petrol and diesel, soon to be a lot more diesel as the
car i'm getting is one of the RHD diesel smarts, (i've got the bike for when
i want to act like a twat, the motorhome when i want to be a pikey, the car
will be when i want to stick 2 fingers up at the government... free tax, no
congestion charge, free parking in some cities, and upto 85 mpg, if i could
source some veggie oil cheap i'd have a bash at brewing some bio-diesel up
in the garage, but i dont want to piss about with used oil, i know in
germany i could buy 1000 litres for 35 cents a litre delivered (got a mate
who runs his converted coach on pure veggie oil in germany)

 

Much as I hate to agree with him, he's right on this one.

Insurance companies ask if you've been involved in an accident
resulting in a claim being made. I'm keeping quiet about writing off
my works van but technically that's an 'at fault accident' and they
can load my bike insurance for it.

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Andy Bonwick

<shrug>

Direct Line didn't GAF about my bike fault claim.

 

All my recent insurers have wanted to know about *all* motor claims
regardless of what type of vehicle, and my latest car insurer even told
me I'd made a claim for the SV last January.

--
Lozzo
ZX-7R P4 (for sale)
CBR600F-W trackbike
SR250 SpazzTrakka,
RD400F, somewhere
I see a bright new future, where chickens can cross the road with no
fear of having their motives questioned

 

IME it's worse than that. They don't care about fault - they care
about claims. Many years ago the Mrs was rear ended by an uninsured
toss^w motorist and had to claim - lost her no claims and also got her
premium 'loaded'. We're old now and it's all cheap as chips so I don't
GAF anymore.

cheers

nickw

 

I've just been pissing about on price comparison sites, tescos listed virgin
insurance (not an insurance policy for your cherry apparantly) as the
cheapest at £350,

This is for the smart (they actually list the correct one too, not many
insurers have the RHD diesel fourtwo listed as it aint being made till
april), with my 15 grand claim from when i punted a car off the road 4 years
ago, and my CD 10 conviction as a result of that accident)

anyhoo, they had a banner on the top claiming i wouldent get the cover
cheaper by going direct to the insurer........
Lying fuckers, first thing i found out by going direct is virgin DGAF about
claims over 3 years old!!!!.... they still want 5 years of convictions, but
i managed to get a £270 quote for the smart car.

Not only that, they dont charge any extra for paying monthly, no apr or owt,
it's £270 if paid in full or over 10 months.

I also found i can insure my shitty old micra (first of the bubble shape
ones) for £150 a year with virgin (nice to pay less than it's worth in
insurance for once , and when i get the smart in may, it wont cost me a
cancelation fee to change insurers as i was looking to do... handily the
micra's insurance is up end of feb, was going to stay with budget at £197 a
year, as that was the cheapest i thought could get... well swift cover was
cheaper by a few quid, but they can FRO because of their twatty adverts on
telly.

Of course this isnt the multi vehicle policy i was looking for, but it seems
i cant get that easily, would only make sense if i had my motorhome on it
too, but that needs a specialist insurer as it's a self built coachbuilt
(very few people do that, the list of modifcations to the origional van
takes up about 20 A4 sheets to explain to any other insurer.. that's if i
get past the 'i cut the origional body off behind the doors and glued a
bigger one on made of wood and alli sheet in it's place' bit,


back on topic slightly, i found i can't even have our 2 bikes on my ebike
policy either, sam's after a yammy TW 125 (anyone got a half decent one for
around £500, or swap for a nissan micra in may ,

Anyhoo, i said i'd have the TW in my name, and insure it on my transalps
policy as a second bike, with her as a named rider,
was able to do this with the chinkie 125 scoot and the transalp year before
last, but now they wont let me "because she doesnt have a licence to ride
the transalp", she never wants to.. she cant even touch the floor on it,

i always thought the 'riders covered only if they hold a valid licence for
the vehicle in question' thing sorted that out, i.e. i can ride the TW or
the transalp as i have a full licence, she can only ride the TW as she has a
provisional.

so im in a 'one door closes, another opens' situation now, found a way to
get my accident claim ignored by an insurer 2 years before any others, but
cant get multi bike cover anymore with sam as a named rider.

 

Same here.

 

Well my car insurance is due and I was informed by the insco that the claim
against me for the bike accident *must* be declared as it's "material to the
quote". That tells me it has an effect.

**** me Nigel, the insco's need **** all "help" to knock back a future claim
and give them an inch and they'll take a mile. Even not declaring you've
changed the exhaust on a bike can be enough to make them baulk at claim
time.


--
Beav

VN 750
Zed 1000
OMF# 19

 

Obviously your experience isn't the same as mine then, but if you're insco
don't want to know about previous accidents, they're pretty unique, so stick
with 'em.


--
Beav

VN 750
Zed 1000
OMF# 19

 

Don't agree then. Argue and have a laugh.

Or even knock back a claim if you make one now.


--
Beav

VN 750
Zed 1000
OMF# 19

 

i found out when searching for insurance yesterday, that in the list of
claims you need to tell them about are windscreens replaced under the
windscreen cover!!

maybe everyone else knows this, but i was under the impression that a
windscreen replacement wasnt a full/declareable insurance claim,

but it needs declaring it seems, may not affect NCB when you claim, but i
found most insurance websites have a listing for a windscreen replacement
claim amoungst the listings for write offs, vandalism, nicked and burnt out
declarations etc,
some even wanted to know about a screen repair too, as it's the insurance co
that pays for it when you use on of these 'free' repair services, so you've
made a claim.

i had a month of wrangeling with my insurance co when i had my accident,
they tried everything to avoid paying out, even tho' it was a 'i got
distracted and couldent stop in time' accident,
they wanted the full service history, when they found out i service it my
self, they wanted all my qualifcations, a signed declaration that i was
competent to work on my own van,
they wanted all mot's including any fails (which i've never had) the
engineers report on the conversion to a motorhome,
they even wanted it dragging to a weigh bridge before they'd procede....
luckily i always get a weigh before i go on a long trip, and had a fresh
weigh ticket from the morning of the accident... were off to scotland for 12
weeks when we had the accident.... 3 miles from fucking home.

all that pissing about for a wing, bumper, headlight, front panel and
bonnet, ok it cost them 5 grand but that's their fault for telling me to
find a place to repair it my self, i chose the iveco commercial repair
centre, genuine iveco parts are fucking eye wateringly expensive, £420 for
the headlight alone.

 

And you generally lose 50 quid "excess" too.

I thuht that until this week too when we replaced a screen on a Mondeo.
Mined ewe, the actual cost for the screen was abut 480 quid.

Most accidents are "on your own doorstep" so to speak.

Insco's usualy want you to go where *they* say, a "problem" we have many
times when customers of ours want to use us, but are almost convinced (by
the insco's) that they can't. Fortunately, everyone still has the choice
where they take their vehicles for repair and when they realise that they're
not usually happy with their insurance co.


--
Beav

VN 750
Zed 1000
OMF# 19

 

I had exactly the same answer from Admiral. Which was nice.

Doesn't mean other insurers would give the same answer, mind.