ER6F - what should I expect to get from insurance company

[bc1172]

I have just been told that my bike is a right off and that the insurance company will be in touch to offer me a price for it but I've no idea of what to expect / accept or how much negotiating I'm expected to do and thought someone would be able to give me some advice.
It is a 2009 (09) Green ER6F which has covered 12200 miles. FSH with additional top box hugger and heated grips. Would anyone be able to give me an idea about what I should accept and the protocol whilst negotiating with insurers.
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[HopmanUK]

Look at similar bikes on places like autotrader and mcn.. expect to haggle.. they'll try and pay the smallest amount possible.

[bc1172]

Have done that so have a figure in mind.
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[Jamey]

As a slight aside - are there any insurance companies / products that actually cover vehicles (bikes or cars) on a "new-for-old" basis so you don't have to go through this shit?

In the last couple of years I've had a few objects (phones, cameras, etc) replaced on insurance and in each case they've just paid for the new version, no questions asked and I've wondered why they can't do the same for cars or bikes.

Since insurance prices are basically just a mathematical / risk equation they should be able to offer a price option that covers them for the cost of replacing on a new-for-old basis, shouldn't they?

[Pedro]

Paid about £3200 for a Black 2010 ER6F that had done around 11,500 miles.
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RX-50 > Varadero 125 > Er-6f
CBT - May 2010 <> Theory test - July 2011 <> Mod 1 - July 2011 <> Mod 2 - August 2011
Restricted to 33bhp (I'm 17)

[Nai]

[bc1172]

Cheers Pedro. Had hoped to get about 3K for it but looks like I'll need to haggle to get somewhere near that sort of value.
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[Nai]

BC are you claiming off of someones insurance or your own? What happened to write the bike off?

[Pedro]

Was yours an old or new style model?
The new style had the digital dash.
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RX-50 > Varadero 125 > Er-6f
CBT - May 2010 <> Theory test - July 2011 <> Mod 1 - July 2011 <> Mod 2 - August 2011
Restricted to 33bhp (I'm 17)

[bc1172]

the old. New style came in in March 09 and mine was Feb 09
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[rtho782]

I recently wrote off my 2011/11 ER6f, 4000 miles, no extras, got £4475, original offer was £4300.

Have a look on MCN and find some similar ones at dealers, they will offer you around this price.

[iooi]

[bc1172]

No, not declared them but have removed them anyway now so don't mind about them so much.
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[Fisty]

[bc1172]

probably best reply yet
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[mjn51]