Knocked over bike. Can I claim the repairs?

[Recluso]

Bike was parked up outside the house, on the centre stand, locked and covered up but it's a shared 'layby' type parking which is meant to be just for residents but every Tom, Dick and Harry seems to use it.

Had a knock on the door by a very nice bloke who had been pulling a lorry out from the road across the road and saw it was over (and then took the time to find out who it belonged to).

Given that it was about 3ft from where it was parked and all the damage was taken by the back end, I'm thinking someone clipped it. Throttle lever and clutch lever is bent though and handlebars feel a bit wonky too and yet another cowl has been smashed to bits.

Question is, as fully comped, can I claim this? There's definitely more damage than when I went over a few weeks back which means more monies. I'm gonna give my garage a ring and ask them to pick it up as I'm not happy riding it (I don't have the mechanical know-how to be sure it's safe) and I'm already dreading the bill >.<
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[Thunderchild]

Can't see why not, though you will lose any NCD I'd imagine...

[Recluso]

Just been rooting out my documents. Is a £450 excess on accidental damage normal? Seems a bit high to me...
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[chillyman0]

Sounds about right to me, no CCTV?
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preivious : 2007 Skyjet 125 (died), 1991 gsf400 (problems, rotting in garden)
1996 gsf600n (sold)
current : 1996 VFR750 for sale, PM for info! 2000 E1 ZX-9r

[Recluso]

[Thunderchild]

[P.]

£450 excess on a YBR125? If you dare claim that on your insurance, you are insane Fuck your renewals

I'd get it checked over by a local biker...slip a beer or two his way. Then just buy the new bits on ebay?

If i took the GSXR right now to a garage.. i'd easily have a bill for £1k, dented tank, scratched plastics and mirrors, fork completely blown, service

Definitely DIY, where abouts are you from? Close enough (<50 miles) i'll happily have a look.

[Recluso]

If I had the know-how I'd be much more confident about assessing the damage. Unfortunately it's the not being able to properly check for damage that's probably more frustrating than the damage itself!

The topbox was cheap enough, that bloody cowl was £100 odd it's the throttle and handlebars that worry me though.

@Paddy: I'm in Pill, just outside Bristol.
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[P.]

[pinkyfloyd]

You can claim but they'll let you pay for the first £450 and you'll lose your No Claims Discount. Best thing to do is source the parts you need on Ebay and change them yourself.

Dont need any mechanical know how to replace parts. Just remember the order they come off the bike and put the new part on the reverse way.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
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Teflon-Mike:I think I agree with just about all Pinky has said.

[Rogerborg]

Sorry to hear this has happened to your bike.

Your excess is whatever you agreed to at the time you took the insurance. You'll (probably) have got an appropriate discount on your policy price for having such a high excess, since the whole point of it is to reduce their potential losses, or put you off claiming altogether.

And sorry, but it's almost certainly not worth claiming with that excess for that sort of damage. Even if you did get any money in your pocket, you'll be held down and donkey punched for the next 5 years, on every policy for every vehicle that you own or are insured on.

That said, you'll only know once you get a quote. Make sure you say it'll be your own money your spending, or you may get an inflated estimate.

It's all a bag of dicks, and no mistake.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Recluso]

Now I've found all the papers, it's definitely not worth claiming (I'd forgotten my excess was quite that high).

What I wouldn't do for a handy next-door mechanic right about now xD
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[DrDonnyBrago]

No point in claiming if the damage is below about £1200-1300 IMO. Fat excess and years of increased premiums will work out more than fixing it yourself if it is less than that.

[Imonster]

[Recluso]

Thanks for all the advice folks. I'll get some photos of the clutch etc in the morning when it's not bucketing it down and stick them up in the Workshop section for some further help.

If it's a fairly easy task, I'd be more than happy to do it myself, it's just knowing how to I'm all for learning how to do straight forward bike 'first aid'.
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[Paulington]

Hey,

I live in Bristol, just off Junction 16 at the Avonmouth area. If you fancy it I could possibly come over and take a look at it, just PM me about it.

Cheers!
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[Acemastr]

I fell off my YBR125 twice on the same side at 10-15mph and still didn't bend/break anything, cheap as chips to fix
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited