Insurance type question

[chris-red]

Right as many of you know I got hit on the TDM, currently I have a hire bike and the claim is on going. Now the only key damage is a bent wheel bent forks a snapped exhaust hanger and a hole in a coolant hose. There is loads of superfical damage to the TDM and it will be written off.

I have a hire bike, I want to get the TDM back on the road, if I get all the major damage fixed so it is ridable and give the hire bike back what will happen to my claim? Will I still be insured? What happens when they write the bike off? I(all this is assuming it goes 100% my way which it should.)
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[s44678]

As I understood it, once they pay out for the bike, your insurance agreement with them is null and void. Probably says something to this effect in the T&C. So you'd need to get it re-insured, but you'd probably have trouble doing it with the same insurance company seeing as they wrote it off in the first place.

[tutton]

This is for a car but i spect it works the same
hes with norwich union and they wrote it off as cat C i think, and they agreed he could keep driving it insured on the same policy till next MOT at which point itd need to be SVA'd
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Past: '05 Peugeot XPS '99 Aprillia RS125 '94 FZR600R
Current: '02 ZX636 A1P '51 CCM R30

[chris-red]

[s44678]

Hmm. Not sure then. If I were you I'd ring up your insurer and ask them. Just say 'hypothetically if I were to..." and then explain what you want to do. You could even ring the other insurer to try and get the same info out of them (prob more relevant if they are the ones paying out).

If your worried about it jeapordising your claim then try not to give any details to them about who you are when you ring.

Also try to be nice as pie to the person on the phone, build up a rapport and they'll more than likely give you the info you want.

Thats what I'd do anyway.

[chris-red]

It's illrelivant now


































They paid out!!!!!!!!!!! £2300 and I get to keep the bike and I should have about £400 coming my way for my lid
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[s44678]

That my friend, is a result.

How much do you expect it will cost to get your bike back on the road?

[chris-red]

£300 or so

£135 for the fork straightening £15 for a collant hose, X for an exhaust hanger and X or a wheel straightening.

There is a fair bit of cosmetic damage but I ill sort that in the summer if I get the speed four back and send a load of panels to be bulk sprayed.

I'm over the moon
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[s44678]

Just remember when you come to sell it on, it will show as a write off. So even if it looks mint and you have returned it to its former glory, it will be worth much less (providing someone checks of course).

So don't go blowing all the money on sherbert dib-dabs and Bulgarian midget hookers just yet.

[chris-red]