Have you just recently switched in your four wheels for two and wondering how to set up a motorcycle insurance policy correctly? You’ll be pleased to know you’re in the right place.

In the blog, we are going to be running down everything you need to know regarding car accidents and motorcycle insurance policies.

So without further ado, let’s get into it…

Does a motorbike or car accident affect the no claims bonus on both?

As we said previously during our does motorcycle insurance affect your car insurance article, your NCB (no claims bonus) is only affected by the claims made against that specific policy. A car incident should not affect your NCB on your motorcycle policy.

Is it illegal to not declare a minor accident to your insurers?

When setting up a motorcycle insurance policy, you must declare any incidents you have had within the time frame they request, regardless of which vehicle the incident occurred on. Failure to declare an incident, no matter how minor, constitutes fraud and can result in your insurance policy being cancelled and further policies being refused.

What happens if I fail to report an accident?

As mentioned above, if you fail to report an incident to your insurers your policy may be cancelled or voided which will have to be declared when looking for another motorcycle insurance policy.

Any claims you may want to make on a policy where you have failed to report an incident may also be rejected resulting in you paying out of pocket for any damage caused.

In conclusion, you must be completely honest with insurers when setting up a policy, any incidents, claims, or any riding/driving convictions must be correctly and accurately declared in order for you to have valid insurance.

Looking for Motorcycle Insurance? Get a quote from Lexham

So there you have it, I hope you enjoyed my rundown on everything you need to know about declaring incidents on your motorbike insurance policy.

Last but not least, if you are in need of motorcycle insurance, make sure to get a quote directly with Lexham by either filling out an online quotation form or by giving us a call on 01379 646 529!