This sucks. A bit of a back story (this is relevant to what's about to happen!). I have ridden bikes since my early 20's but took a break for a couple of years. When I came back despite having had 11 years no claims bonus I had lost it all. So back in the position of building it up with just a couple of years under my belt now....
I bought a mint condition Honda Hornet and ride it year round for both commuting and fun. Last month a driver in London randomly pulls into the bus lane to jump traffic and sends me over the bonnet as a consequence.
It's his fault but due to a clause in my policy as my bike is now written off, despite the fact its his fault they are going to cancel my policy with just 4 weeks left of the year. So I loose my no claims for the past 12 months anyway.
To make matters worse I'm in the process of selling my house and moving to one that has a garage. For the bike I want to upgrade to they basically won't insure me without a garage....which I am in the process of getting.
So I now have no bike, and can't replace it until I have basically moved house. Which will take a couple of months. 
It's spring and summer that gets me through those cold/dark/wet winter rides
Anyway. Winge and rant over. But a word of warning everyone... check your insurance small print!! |
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That is crap, but in the meantime you can get moved, sort out your insurance claim etc, and sort the garage out ready for your new bike.
I had some time away from biking and had to start again, so ran around on an old CBR600 for a couple of years while I built my no claims back up.
3 years ago I moved house and now have a garage to store the bike in.
You’ll get there, and it will be worth it in the end. |
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By * and BCouple
over a year ago
Durham |
"Most insurance policies say that. "
That is correct. Once a policy pays out on a write off, the policy has come to an end as there is no bike to insure. The company has took over liability of said bike so how can a policy continue to be valid.   |
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