Insurance Question

StisOwl

Registered User
#1
I was on a little run out on my '98 Fi after work yesterday and was following a van through a small village and got to a point where the road narrows and goes slightly uphill into a double bend, the van stopped at the apex of the first bend so I stopped about 3m behind him, at this point I saw why he'd stopped, he was letting a hatchback through but he reversed backwards without checking straight into me. Everyone was alright but my bike wasn't (isn't), the front mudguard was smashed, the headlight broken and pushed back and the nose of the fairing scuffed, everything else appears OK the brakes work as before and the forks seem straight.

Now the question, if I go through insurance and the bike goes to a garage I suspect the costs would look something like, headlight £410, mudguard £164 plus anything else they find and then labour costs on top. With the age of the bike and the increasing scarcity of parts do you reckon the bike could be written off ?, and will I have to stand to paying excess (£750) and losing my NCD ?.I would be really sick if the I lost the bike, it's taken me over three years to get to the level it is now, it looks great and runs sweet.

Thanks for reading


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saintrommel

saintrommel
Site Sponsor
#2
If you are claiming off the vans insurance I don't think you will have to pay your excess and I would have thought you could insist on your bike being repaired rather than written off. Or you could get an estimate to repair off a bike shop and submit to insurance get a mutually agreed sum and buy second hand parts and repair yourself. If insurance insist on writing it off you could maybe buy back off insurance and use write off money to repair.
 
#5
Similar thing happened to me last year. Not your fault but if you claim, you will probably have to pay the excess or fight to claim it back off the other party, (that's where your legal cover comes in, if you have it)? The bike could well be written off as the repairs may outweigh the value of the bike.

Personally I would tot up the cost of replacement parts, (2nd hand if possible, new if no other option), then ask the van driver if they would be prepared to settle without going through the insurance, it could be mutually beneficial to do it that way. If they refuse then you have no option unless you choose to cover the cost yourself.

In my case, I totted up the repair cost to be ~£250 which the driver paid for, otherwise it would have been an insurance write off as new parts + dealer fitting would have cost >£2k
 

StisOwl

Registered User
#6
Thanks for the replies. It would be a real disappointment if the bike was written off for the sake of a headlight and mudguard but the conspiracy theorist in me wonders if there might be an agenda to remove as many "dirty old motorbikes" as possible .
i have started looking for second hand parts but headlights are thin on the ground.
 

StisOwl

Registered User
#8

StisOwl

Registered User
#11
I note you're up at Holme Moss, not a million miles from my neck of the woods. You local to the area?
I live in Rotherham and had a run out that day on some of my favourite roads, (Mortimer Rd to A57 probably my all time favourite) Snake Pass to Glossop, Woodhead then on to Holmfirth and back home.
 

d0nkeychop

My name is Ed.
Site Sponsor
#12
I live in Rotherham and had a run out that day on some of my favourite roads, (Mortimer Rd to A57 probably my all time favourite) Snake Pass to Glossop, Woodhead then on to Holmfirth and back home.
Ah, I come at it from the other end. I'll look out for Mortimer Rd
 

StisOwl

Registered User
#14
Know it well as it turns out! Always called it Strines moor road for some reason!
My Garmin calls it Mortimer Road or More Timer Road to be more accurate.
Tonight I took the Garmin power supply off so all the fairing panels had to come off, the headlight has cracks in the lens but the back is shattered, there wasn't any damage to the fairing so I would be perfectly happy to keep the bike with a new light and mudguard.
 

advancing age

Registered User
Site Sponsor
#15
Get sensible prices (new if available) for every bit damaged and propose that to van driver. He or his insurers should be v happy to sort out repairs at your option. Get forks and head races checked too....? Good luck - v annoying when not in any way your fault... Cheers, AA :beer-toast1:
 

North Face

Registered User
#16
I had a similar thing a couple of years back......'van pulls up abruptly and without looking tries to reverse into parking spot, (before another car approaching knicked it), and piles into me. The van went up on top of my wheel! I'd be looking at a buy back in your case. No big deal getting a cat D write off back on the road. If your front wheel took a serious hit, it may be worth having it inspected.
What parts might you need? I'll keep my eye out.
 
#17
1. Always keep your distance from the rear of the vehicle in front as you need to preserve your safety bubble.
2. Always have an escape route in mind.
3. Never stop unless you really have to and if you do, keep your eyes peeled front and rear and ready with that horn!

Bastards will probably still get you anyway, however we can but try.....

SIOM.
 

StisOwl

Registered User
#18
The bike was taken away by 4th Dimension this morning so they will check the forks and front wheel.
With regard to the bump, if the van driver had put it in reverse I'd have seen his reversing lights and used the horn (for what good that is) I didn't notice at the time, but he may have had reversing sensors, that WOULD have worked.
Anyway, fingers crossed I'll see my favourite past time again.
 
#19
Lube the tips of your fingers.
Put your hand up and rub the back of the fork leg where it meets the lower yolk/triple clamp.
You’re feeling for ripples. If you find any, and they can be subtle the fork leg is scrap.
There’s another test for general bannanering done with a dial test indicator after having taken the forks off and stripped them down.
Also you can check the wheels for true with a straight edge from front to back.
That may indicate if there’s any deformation at the headstock.

I had an argument with my assessor when he couldn’t feel a ripple but I could.
The point was moot as the bike was already BER due to panel damage alone, but it may affect the buy back price.

You’ll most likely get top book but then the loss adjuster will ring you up and point out loads of bikes in the paper that are just as good for less money. (Well f'me why didn’t I buy one of those in the first place?) This is because he is hustling asshole.


In the event of a write off your policy will also be cancelled so it’s as wise to be aware of the cost of reinsurance of the next bike. Shame this can’t also be claimed as an out of pocket expense, but I’m not aware that it can be? Anyone?
 
#20
Oh the bikes gone....don’t expect them to do a 'Quincey M.E'
They’ll just do a quick tally up and once it’s over a certain figure condem it to death.

Expect it to have further damage if you buy it back. They handle them like dead cattle.
It’ll most likely end up at part-co. You could have taken the hugger and Scott oiler off it etc.
They’re yours and don’t come with the bike or their valuation.

Sorry, it’s a pissa, I know..
 
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