multiple insurance, no claims bonus Watch
I personally wouldnt because if I cant replicate my no claims, then why should I replicate my penalties for making a claim?
Also cyclists dont have insurance so is it ok to run them over without them making a claim against you? If they bumped into your car you wouldnt be able to make a claim against them.
The question is not "Have you had any claims or accidents in the last <n> years on your current insurance policy?". The question asks if you have had any claims at all, hence they need to be declared. The 'penalties' are based on your risk, you gain other bonuses for how long you have had your licence, and such on all your policies.
They can still sue you without having an insurance company to do so for them. They can claim personal injury, and damage to property, and assault/dangerous driving if done wilfully under criminal law.
I spoke to my laywer (hes in jail now but whatever) and even he says that just because someone made a claim on my other policy, doesnt suddenly make me more of a risk on the other policy. Im not a mofu,in sink hole!!! I drive both buses the same.