supra tango Posted March 3, 2010 Share Posted March 3, 2010 before i start i dont have anything against bikers some of my mates ride ive been driving over twenty years got full no claims ive been driving my supe for the past five years no trouble that is until now last october iwas travelling along a busy road when i felt a thud i looked in my mirror and there behind me was a motorbike on its side so being the friendly person i am i pulled over to see what had happenend the guy on the bike was very aggressive and started shoting that id pulled out on him i checked my car nothing no marks the police were called they just said to exchange details well that was last october i made mistake i didnt notify insurance i bad mistake i got letter from insurance company in january telling me about this claim now my insurance was up for renewal at end of january and the claim is still trying to be resolved now my problem is ive just recieved a letter from the insurance agents to say as i didnt inform them of claim i lose all my protected no claims and my premium of £250 goes up to £4688 gutted im now in dispute how can this happen Quote Link to comment Share on other sites More sharing options...
pistonbroke Posted March 3, 2010 Share Posted March 3, 2010 when the police turned up, did they report it or did they just ask you to exchange details? If the police have reported it, you may have some evidence for your appeal. However, if they decided there was no injury and was 'damage only', they are not obliged to report it, just to ensure you exchange details. You've dropped the ball by not informing your insurance company straight away, you say there was no damage, but sufficient time has elapsed for him to suggest you've had it repaired to cover it up. Your insurance company are suggesting that you've not declared a claim against you. Therefore breaching your terms of agreement. Your only option is to say something along the lines of "I was, and still am convinced I was in no way liable for the accident or it's cause. If anything I was a witness and innocent bystander so I had no reason to believe I should inform my insurance" Quote Link to comment Share on other sites More sharing options...
supra tango Posted March 4, 2010 Author Share Posted March 4, 2010 hi yes when police came they said there was no sign anywhere that his bike had even hit me they just said we could be on our way but biker wanted to have my insurance ive also just heard from my insurance as i wanted to know what damage he had on his bike and they say they dont know as the biker is asking for my account of what happenend well if he dont no then im not telling him cause i dont no but it still means that it is an open claim and my premimum is sky high the insurance people told me that even if i have a little prang in car which doesnt even cause seeable damage to still let them no Quote Link to comment Share on other sites More sharing options...
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