Stolen bike claim - expired CBT

[Cbr125power]

Hi guys I'm new here and need some advice.

Dropped my bike some 10 miles away from home - on 17th october and had to go through knee surgery because of the injury. I had to leave the bike near where I dropped it. There was no damage to bike so I didnt tell the insurance but police was there so traffic collision record...
My CBT expired on the 29th October

My cousin went to check up on it but wasn't there, called trace line no records and awaiting crime reference no. Called my insurance and they said theyll ring me back in the morning.

So when I make a claim would they fuss about me not having valid CBT - ?mind at the time when I left the bike I did have CBT... Would they even ask me why I left it there unattended for <2 months? I was injured and CBT expired- that's my actual excuse...

Seems like a long story but it actually isn't, I thought should get advice before making a claim since I'm with MCE and they're not claim friendly... It's a genuine claim but I need to persuade them to believe my story...Bike was worth £1400 last year but on 650 premium - so ill hardly be getting some 700-800 back. I hope.

Give me some advice will you please. I hate the system, they should make insurance and claims policies clearer and not individual customer focused...

[mad4it028]

think youll find most policys state that the bike must be kept where you told them it was being kept when you took it out over night ie at home
being left eleswhere for what ever reason for 2 months!!! will undoubtedly be there get out clause

why would you leave it there that long anyway??? ide have had it collected the same day even if i had to pay to have it collected
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always looking to buy bikes crashed ,unfinished projects,none runners pm me
currently riding kawasaki z1000 only bike ive ever loved

[R6 Wilson]

Where exactly did you leave it? On the road side? Was it chained up or whatever?
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♥ YZF-R6 '05 ♥
Time is money so I stay late

[MaybeGuy]

It broke down, remember? Just be funky with the dates.
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[iooi]

Given that your CBT ran out 12 days after your crash.... I expect that you already had a session booked to renew it.
Give the ins co the details of the co providing the service to check you were going to renew....
If you hadn't, why not.....

Are you sure that the police have not recovered the bike and its sat in a compound awaiting collection ?

Not sat in someones (bike friendly person) garden as they removed it to stop it being stolen.

Be upfront and tell the ins co why the bike was left there. At least that covers off the "Parked @ address" clause.
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Just because my bike was A DIVVY, does not mean i am......

[Paulington]

My insurance policy states that they will not pay out for a stolen motorcycle if it is stolen from more than 15 miles away from my home and if it has been parked there for more than two weeks without moving. Make sure your policy doesn't have something near the same thing as if it does you won't be getting anything back.

They may also say you need to have a valid licence for your insurance to be valid which without a CBT you don't have, I guess you could be sloppy with the truth and say you realised it was stolen the day after your CBT expired, but then they may count it from when you put the claim in.

Your only course of action really is to just ring up and see how it goes, try to avoid saying anything self-incriminating but I know that if this happened on my insurance policy and I didn't inform the insurance it was broken down away from home I wouldn't be getting any money back for the bike.

Out of interest, why did you not bring it home? Surely someone you know has a van/trailer/something to bring it back? Seems silly to me.
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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.

[Cbr125power]

Hi all.
I dont really know why I left it there. No chains no cover... I thought the area was 'clean' and thought id recover soon to come and collect it but I can't even bend my knee yet...

I think I was being careless and never thought it'd be stollen... First time in 3 years...

I did call vehicle trace line and they check all the local compounds but nothing.

My insurance just called me back and went through it all... Simples nothing dodgy and didn't mention about bike security or the fact it was miles away from home.. Fingers crossed but excess was £600 I wont get a penny from remaining 7 months insurance either. 1 year NBC also gone. They'll call me back again within 48hrs.

Totally grounded not sure whether if I'll ever go for a bike again... Silly mistake to drop it anyway and careless not to collect it all this time... Least I'm well and paid for sick at work so got some cash if I decide to buy another 1.

Thanks I bookmarked it so I'll come back and note any updates..

[Rogerborg]

You're the victim here, so don't feel too bad about it.

Have you read your (full) policy document cover-to-cover? It forms the basis of the contract between you and your insurer. Look for clauses obliging you to take reasonable steps to secure the vehicle.

So, your cousin put a big sod off chain on it shortly after the accident, right? Bought it down the market for cash.

Try to do everything in writing, and just think carefully about whether you're prepared to follow through on anything that you say or omit.

What was the age and mileage of the bike (I'm assuming a CBR125)? The payout will be the lowest market value that they can find for a similar bike. Subtract your excess from that and consider whether the payout will make up for the pounding you'll take on all insurance policies for the next three-to-five years. If you switch to insuring a car and you're a fairly young, you may find that your already obscene quotes increase by more than you'll get back from the bike claim.

Best of luck and GWS.
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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

[Kickstart]

[Richtea]

[_Troy_]

Have to agree. I feel sorry for you, and hope you get it sorted as you are the victim of a crime.

BUT, no matter what area i left it in. My bike wouldn't be left anywhere without at least disk lock on it, even on my own drive way. So leaving something alone for 2 months, especially a ped-bois dream of a CBR125 is simply asking for trouble.
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Current bike: ZX6R J1
Previous bikes: CLR 125 | GS500 | ZX6R G2 | SV650

[Teflon-Mike]

On topic of not claiming; the immediete ecconomics of what you get in pay-out vs loading on future claims, doesn't always work.

Loss of no claims bonus, I have to cring at. Its a NO-Claims-BONUS, you cant LOOSE something you DONT HAVE, and wont have until expiry of policy, withg NO claims!

However; worth noting that standard practice now is not to ask if you have had any Accidents, Claims or Convictions, but Accidents, Claims, convictions or LOSSES.

Ie: so many people don't nother claiming for small losses, they now ask, and deem that a declaration.

Say "Yes, had £1400 motorbike stolen" then they will probably load the insurance as though you had a theft.

Say "No" and you are technically making false declaration, & obtaining Insurance by deception, and if they can show you have lost a bike, through police incident number or whatever..... you could be in even deeper water.

JUST a heads up; might NOT actually be worth NOT claiming.

As for leaving the bike umpety miles away, unsecured, and never checking on it, or taking any measures to have the bike recovered.... Silly Boy!

I Know its not the first thing to think about when you are in pain; but geez! Most of us have an off, and we could have four broken ribs and two broken legs and we'd be trying to drag the bike into the meat waggon when they cam to get us!

And be asking the surgeon before going 'under', "Is my Bike alright?"

Thinking it was a 'Clean' area?!?! Geez. The nievety! There is no such thing! But I think you might have learned that the hard way!

Best of luck with it; but yes, insurance Co, do have grounds to say you didn't comply with insurance agreement, or take adequete measures to ensure the bike was secure... CBT cert I think is probably inconsequential in this instance.
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[duhawkz]

Surely a loss would only count if you claim for it, as what they really mean is "have you every cost an insurance company money?"
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"The guy is a worthless cunt and I honestly believe I would be a slightly happier person if he died." - Chris-Red

[Cbr125power]

hi all.

I just got a call from local police with crime reference number. she didnt ask much telling me about concequesces of forged report. She also offered a recovery service incase it was found for a reasonable price but i said i'd rather collect it myself on the day instead of paying storage fees...

Hi richtea. its not being stupid, i didnt care much at the time. when you have an accident you have your priorities and at that time all i worried was how quick i can recover and had to hand in so much courseworks... i didnt need the bike so i didnt worry about it being left somewhere. to be honest i never used a disc lock or a heavy chain - never put it in my garden either - always on the public road where ever i went with no troubles till now... even if i had it locked and chained up it'd still get lifted because of the time given so i had only 1 choice - put it in a van and take it home which i didnt...

when i took the insurance i didnt know much about excess until recently and even thou I will of course make a claim and get around £600-700 back, i cant be so generous to MCE... i dont think quotes will go up dramatically either - i'll probably pay £750 instead of £550 next summer - and i dont think bike claim would have much effect on car insurance..i think..

will update soon thanks.

[Kickstart]

[Richtea]

[T.C]

Apologies if I have missed it elsewhere as I have only had a quick scan through, but was anyone else involved or did you fall off your bike of your own accord?

If you fell off without anyone else being involved, then obviously there is not a great deal you can do.

However, if the cause of the crash was as a result of someone else (being potentially naughty) then you can claim back any of your unisured losses such as your excess, and it would not matter for example had your CBT expired at the time of you having the crash, although I appreciate you were legal.

For theft purposes, it does not matter one jot whether you had a valid CBT or not (although again I appreciate that you did at the time of the crash), as the theft has no bearing to the validity of a CBT certificate, and therefore if the insurers failed to honour the claim, then you would have a valid claim via the Insurance Ombudsman
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It is better to arrive 30 seconds late in this world, than 30 years early in the next

[Cbr125power]

hi just an update after all that a rep from mce called me to go through details - took 30 mins!!

Enquired about the last time i saw the bike, security, why i left it there, any mods, trafic collision and crime reference number etc.

said how much i think the bike was worth i said £1450!! thats what i paid for it he then said mods or mot and servicing costs don't count to present value.

asked me they may want to see both keys and all the paperwork receipts mot.cbt.servicing papers etc.

told him my cbt expired after i left the bike said wouldnt be a problem!! yessss!! thought so XD

I told him whats the £600 excess for since I asked for max £250 excess on Gocompare, told me I should've went through my insurance documents at the time... can't be amended now...

Anyway I hope at last I'll get some money back probably <£700, going to have a surgery on my knee next month, will save up for summer, might pass my full test and buy bigger bike. Will be MORE cautious and no speeding thou!!! ...


Anyway I'll let you guys how much they'll offer and I still hate Boris and the system, recently paid £150 for monthly oyster zones 1-4, tubes are fine, buses destroy hopes... bike is a must!

[iooi]

[Rogerborg]

Good to hear that you're making some progress, but try not to get your hopes up, they'll well within their rights to question this claim. From their point of view, it looks dodgy as heck.
____________________
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

[ninja_butler]

You've made a bit of a mes of things, I just hope you get a decent payout.

The £600 excess you mention, did you also select £250 voluntary excess on top? Because if you did it'll be a total of £850 excess, reducing your payout from £700 to a measly £450.

NEVER tell your insurer ANYTHING you don't HAVE to tell them. If they don't ask then keep your mouth shut. Now you've admitted to your bike been damaged/stolen, even if you decide not to make a claim it won't make any difference because it still counts in their records as a claim.

For £450 I wouldn't make a claim if I could help it, unless you've got protected NCB (which allows you 3 strikes) because your insurer will claw back the money by raising your premium; you get £450 now but pay it back to them in higher insurance costs.

[Cbr125power]

Hi all.

Insurance certificate doesnt mention voluntary or a fixed excess, i guess this is the total excess however on Gocompare site it says "£250 voluntary excess requested" for my previous random quotes.

https://img845.imageshack.us/img845/4280/aivwyvcceaeqj.jpg

sorry ninja but I want that £450 or whatever regardless, this is why i pay for my insurance. 2 years no claim for my age and this type of bike doesnt make much difference anyway. for most no claim bonus works better for insurer not customer...

Hi yes I'm a victim but unfortunately insurance companies are not 999, so they try everything to refuse your claim., so making claim is all about small notes and one who plays the right cards wins. that is so unjust, whole system sucks. i'd love to work for an insurance company and find out everything about the industry inside out...

i'll update when they make me an offer. thanks all.

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[iooi]

[DrDonnyBrago]

[Cbr125power]