I'm such a plum, cyclist down.

[Twizit]

Yes, insurance to protect you and your vehicle if you are at fault (or due to fire, theft) and a third party vehicle, individual, property if you are at fault. Plus VED, servicing, maintenance, fuel. I do not believe that being financially disadvantaged because someone else was at fault shouid be part of the reality.

Yep this - although am grown up to know we live in an imperfect world.

Have suffered similarly from an incident last year. Pedestrian ran out in front of me whilst on motorbike. Clear open road, driving at below the legal speed in good conditions, she ran out from a blind drive entrance, and by her admission totally her fault as she was looking for her bus coming the other way. Absolutely no way I could have prevented it or seen it coming. No injuries (how I still don't know, but I guess my emergency braking wasn't too bad) but £1,800 of damage to my motorbike.

Insurers have no one to claim off so it has to go down as a fault claim to me. Result is hiked premiums for motorbike, plus car in my name and another I'm a named driver on. This despite 25 years or road use and never having had a single incident or claim in that time. Fair? - no. Does it make me a higher risk - not in my eyes, but it does to insurer's and their algorithms.

I could rant and rave about the injustice etc. Or I can put it down to "life", or "one of those things", just be grateful that no one was hurt and move on. I chose the latter.

It's the first time I've had to call on insurance - and really that's what it's there for.

Edit: and sorry to the OP - it's getting a bit off topic. Hope you heal up and are back on the bike soon. Kudos for being so straight about what happened

 

[Milkfloat]

For silly reasons I have two given names I go by for official stuff. Last time I renewed my insurance I accidentally found out that it was £400 using one name and £600 the other.

To be fair if someone called Randy Butternubs wanted car insurance, I would load the premium too.

 

[vickster]

Yep this - although am grown up to know we live in an imperfect world.

Have suffered similarly from an incident last year. Pedestrian ran out in front of me whilst on motorbike. Clear open road, driving at below the legal speed in good conditions, she ran out from a blind drive entrance, and by her admission totally her fault as she was looking for her bus coming the other way. Absolutely no way I could have prevented it or seen it coming. No injuries (how I still don't know, but I guess my emergency braking wasn't too bad) but £1,800 of damage to my motorbike.

Insurers have no one to claim off so it has to go down as a fault claim to me. Result is hiked premiums for motorbike, plus car in my name and another I'm a named driver on. This despite 25 years or road use and never having had a single incident or claim in that time. Fair? - no. Does it make me a higher risk - not in my eyes, but it does to insurer's and their algorithms.

I could rant and rave about the injustice etc. Or I can put it down to "life", or "one of those things", just be grateful that no one was hurt and move on. I chose the latter.

It's the first time I've had to call on insurance - and really that's what it's there for.

Edit: and sorry to the OP - it's getting a bit off topic. Hope you heal up and are back on the bike soon. Kudos for being so straight about what happened

I’m a grown up too however, I’m not talking about where there is a ped or no 3rd party to claim from, but where claim is fully settled by the other insurer and still as the non fault claimant your insurance premiums get hiked for the foreseeable as you get put by the insurance industry into a higher insurance bracket because someone ran into you and subsequently covered the costs.

 

[Inertia]

Yes, insurance to protect you and your vehicle if you are at fault (or due to fire, theft) and a third party vehicle, individual, property if you are at fault. Plus VED, servicing, maintenance, fuel. I do not believe that being financially disadvantaged because someone else was at fault shouid be part of the reality.

Anyhow, that’s my opinion as you are entitled to yours

I do understand your point, its not 'fair' but isnt it just the case that the insurance company is only looking at risk? Fault only applies as to which insurance company pays out.

Your premium is all about risk , from their POV the driver in this scenario may now be someone they look at who is in an area/ drives in a manner that may increase the risk of a cyclist hitting them.

You might just be unlucky an get in to accidents that arent your fault, you are still an increased risk though.

 

[vickster]

I do understand your point, its not 'fair' but isnt it just the case that the insurance company is only looking at risk? Fault only applies as to which insurance company pays out.

Your premium is all about risk , from their POV the driver in this scenario may now be someone they look at who is in an area/ drives in a manner that may increase the risk of a cyclist hitting them.

You might just be unlucky an get in to accidents that arent your fault, you are still an increased risk though.

What scenario?

 

[Inertia]

What scenario?

The one in the OP I thought

 

[Twizit]

I’m a grown up too however, I’m not talking about where there is a ped or no 3rd party to claim from, but where claim is fully settled by the other insurer and still as the non fault claimant your insurance premiums get hiked for the foreseeable as you get put by the insurance industry into a higher insurance bracket because someone ran into you and subsequently covered the costs.

Understood. Also apologies if the "grown up" wording came across wrong - wasn't implying you weren't (and wasn't aimed at anyone) - poor wording on my part.

 

[User16625]

Yep this - although am grown up to know we live in an imperfect world.

Have suffered similarly from an incident last year. Pedestrian ran out in front of me whilst on motorbike. Clear open road, driving at below the legal speed in good conditions, she ran out from a blind drive entrance, and by her admission totally her fault as she was looking for her bus coming the other way. Absolutely no way I could have prevented it or seen it coming. No injuries (how I still don't know, but I guess my emergency braking wasn't too bad) but £1,800 of damage to my motorbike.

Insurers have no one to claim off so it has to go down as a fault claim to me. Result is hiked premiums for motorbike, plus car in my name and another I'm a named driver on. This despite 25 years or road use and never having had a single incident or claim in that time. Fair? - no. Does it make me a higher risk - not in my eyes, but it does to insurer's and their algorithms.

I could rant and rave about the injustice etc. Or I can put it down to "life", or "one of those things", just be grateful that no one was hurt and move on. I chose the latter.

It's the first time I've had to call on insurance - and really that's what it's there for.

Edit: and sorry to the OP - it's getting a bit off topic. Hope you heal up and are back on the bike soon. Kudos for being so straight about what happened

Should have tried claiming for "increased premiums" as part of your payout seeing as it wasn't actually your fault. Even if they had someone else to claim off, your premiums would have gone up simply because you were involved in an incident. Anything from a speeding fine to gamma radiation from deep space could be used to increase your premiums. Often they don't even need a reason. 1 renewal quote I had went from £200 to over a grand so I phoned them up, taking the person's details and making bloody sure it wasn't gonna auto-renew. That's what insurances are like.

 

[Ming the Merciless]

Dud you say SMIDSY?