Insurance claim - help!

**roger_doger** · 11th November 2006, 15:15

Gidday I would really appreciate a bit of input to my insurance concern.

I recently dropped my bike (bugger) while out for a ride - low sided it. It was relatively minor (or so I thought) - I hopped straight up and didn't even have a bruise. The bike was a bit worse off though. At first I didn't think it was too bad, but two weeks later I have had a closer inspection on it and realised it would be one hell of a job to get back to original standard. The main culprit is - you guessed it - the fairings (and other plastics and a broken oil pump cover). I have a comprehensive insurance policy but there's a few issues which might be a problem and I would like some input from you guys.

1. (This is the big one) I have a previous motoring conviction for dangerous driving and failing to stop which I didn't tell my insurance company.

2. This could potentially help the 1st one - I ride on an Australian licence as I only have my restricted NZ one (the aussie one is a full licence) - I haven't told my insurance company this either.

3. The accident actually happened two weeks ago

I guess I want to know what experience you guys have had with insurance claims. The bike would be a write off after an insurance inspection. Do they (insurance companies) investigate your licence at all for claims where no one else is involved? That's prob the big question. And if they ask for my licence number do I then tell them about the Aussie licence and claim ignorance that I didn't realise they didn't know or I had to tell them?

Cheers

**Mole_C** · 11th November 2006, 15:33

If you don't tell them things they wont pay you. 99% chance you wont get paid. Tell them all your history and get real insurance then 'drop' the bike in 2 months and claim.

**cowboyz** · 11th November 2006, 15:35

next time just give me a call and I will take your money off you and not give you anything in return when you stack your bike. Insurance companies do not make money by paying out claims. It will clearly state in your policy that you have to disclose all information that they consider relevent to your policy. Failure to do so will result in claims being denied. There is no point lying on your insurance. You may as well not be insured and keep your money in your pocket. Now is a bad time too with insurance companies packing a sad about false and bloated claims.

My advice...

Put your claim in and see how far you get. Be ready for a big denied stamp. Then get your insurance sorted properly. You have to weigh up the insurance premiums Vs risk. If the risk is minimal and premiums are high there is not point being insured.

**diggydog** · 11th November 2006, 15:56

you have made it more complicated not telling the truth,now you will have to tell more lies just to try and get what you want.

**dhunt** · 11th November 2006, 17:30

Mate that sucks, and your bike looked so mint!!!

1) I guess this depends whether your insurance company asked your or not.

2) I can't remember if you've been in NZ for a year or not but if not you shouldn't have any problems otherwise you could be stuffed. How come you haven't bother to transfer your Oz license?

3) The time frame shouldn't be a problem I wouldn't think but you probably should try and get it sorted ASAP.

I guess you can just try and hope for the best. If not I could see your fibre glassing/painting/bogging/sanding skills being improved somewhat.

Hope you get it sorted soon. If there is anything I can do to help let me know.

Will you be around for the Coast to Coast/have a bike? We should catch up sometime.

**Grahameeboy** · 11th November 2006, 17:45

Re licence depends on how long you have been here. Depends on whether the proposal ask for "NZ" licence as some do not...surely all you have to do is do a straight swap over anyway....how long have you been here?

The rest, well depends on whether they check and as you lost it it is possible they will delve.

My suggestion is do not even bother claiming because if your claim is declined you then have to diclose this so your 'Naughtiness' just gets longer.

Put it down to experience, sort out your licence etc.

**crazybigal** · 11th November 2006, 17:51

why did you even bother getting insurance?

Originally Posted by roger_doger

Gidday I would really appreciate a bit of input to my insurance concern.

I recently dropped my bike (bugger) while out for a ride - low sided it. It was relatively minor (or so I thought) - I hopped straight up and didn't even have a bruise. The bike was a bit worse off though. At first I didn't think it was too bad, but two weeks later I have had a closer inspection on it and realised it would be one hell of a job to get back to original standard. The main culprit is - you guessed it - the fairings (and other plastics and a broken oil pump cover). I have a comprehensive insurance policy but there's a few issues which might be a problem and I would like some input from you guys.

1. (This is the big one) I have a previous motoring conviction for dangerous driving and failing to stop which I didn't tell my insurance company.

2. This could potentially help the 1st one - I ride on an Australian licence as I only have my restricted NZ one (the aussie one is a full licence) - I haven't told my insurance company this either.

3. The accident actually happened two weeks ago

I guess I want to know what experience you guys have had with insurance claims. The bike would be a write off after an insurance inspection. Do they (insurance companies) investigate your licence at all for claims where no one else is involved? That's prob the big question. And if they ask for my licence number do I then tell them about the Aussie licence and claim ignorance that I didn't realise they didn't know or I had to tell them?

Cheers