Do I claim?

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

I have just paid the £150 to get my bike back and a mate put it in his trailer after the AA refused to collect it for me.
It's a sinnis Trackstar for those I haven't told...
The damage I can tell is
Front forks bent
Ignition barrel missing
Rear light smashed
Battery has leaked
Oil leak from for unknown origin
One of the rear shocks has leaked (presume its from the weight of the guys riding it off road.

Now the bike was £1500 and my excess is £300.... Any advice would be much appreciated. Thumbs Up

____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

SQL · World Chat Champion Joined: 08 Aug 2012 Karma :

don't claim, sell for spares.repair or fix it up.

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

I don't really have the money for a new bike....
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

P.addy · *Formerly known as* P. Joined: 14 Feb 2008 Karma :

How much money do you have. £250 and your bike and you can have my Varadero Laughing

I worked out a claim today at work, if I was to insure my bike TPFT and claim that it was stolen, my insurance goes from £90 a year to £240, I added some years and it still was quite high, worked out overall I paid £1000 over 5 years for my £1200 payout.

Seems fair I guess, but can you stomach it.

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

I was hoping that on top of what I have just paid out I would just need a new ignition barrel and maybe a bit of work on the engine to sort the oil out.... So I have sweet FA
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

cb1rocket · World Chat Champion Joined: 30 Jan 2010 Karma :

fix it up.

if u claim as Paddy has said, you will end up paying back the payout over 5 years.

You loose both ways Sad

____________________
Honda H100S2 Rebuild - https://www.bikechatforums.com/viewtopic.php?t=253852

P.addy · *Formerly known as* P. Joined: 14 Feb 2008 Karma :

How bad are the forks? I have a company near me that straightens them.

GS forks were £50.

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

There not too bent..... It's all the other work that's putting me off aswell...
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

P.addy · *Formerly known as* P. Joined: 14 Feb 2008 Karma :

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

Oh yeah stealing lock fucked aswell.
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

P.addy · *Formerly known as* P. Joined: 14 Feb 2008 Karma :

i.p.phrealy · World Chat Champion Joined: 07 Oct 2012 Karma :

local little scrotes buggered my steering lock, they never checked it on my MOT. if you don't need it don't bother with it.
____________________
it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

UnspeedySam · World Chat Champion Joined: 25 Nov 2009 Karma :

Fix it yourself! I've had a couple of bikes nicked over the last year and it's a pain in the arse, but insurance claims are just not worth it.
____________________
Riding: BMW R1150RT `02 bought mildly crashed
Fixing: Also the BMW as I get less broken bits
Gone: ZZR600 '00, TRX850 '97, RXS100 '93, JS125-6B '07, BMW R1100RS '93, Kawasaki ZX-6R-J2 '01, Honda Bros NT400 NC25 '88

Ariel Badger · Super Spammer Joined: 02 Dec 2006 Karma :

Why on earth do people seem to think that the insurance they pay for would reimburse for damage incurred on their vehicles? Insurance is not for that, it makes your bike legal to ride so that you can then buy a tax disk and that is all.
____________________
Bikers make great organ donors, get 115 on your licence today.

Hetzer · Super Spammer Joined: 19 Feb 2007 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Theft insurance is likely to cover damage caused during the theft, i.e. the barrel and even the recovery fee, but whether it would cover the forks, light, battery and shock is entirely up to your insurer and your contract with them.

Sight unseen, I'd have to agree that you should DIY it and not claim, since your excess will eat all or most of it and you'll still be screwed because you claimed. In fact, if you've already told your insurer about they theft you should make it very clear to them you have now recovered your vehicle and they should not record as a "loss".

Sorry, I know this isn't how it should be, but the system is not set up for our benefit.
____________________
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

Amber Phoenix · Traffic Copper Joined: 01 Feb 2013 Karma :

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

Thanks for the advice chaps. I have decided to claims, I'll have the cross the reniewal when it comes to it be t year. I already pay £440 a year on my 125cc so next year im probably looking at 600-800, it's still 600 cheaper than a 1.0 Corsa. I don't really have the time for repairing it or know what I'm doing...
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

mudcow007 · World Chat Champion Joined: 01 Feb 2012 Karma :

so spend a few £100 on parts or be shafted for 5 years for a claim

i bet over the next 5 years you will be paying more for increased premiums than you would of if you would have just bought the parts.

loads of people on here can help you fix you ride....even "spaz-bunny" got offered help

Hetzer · Super Spammer Joined: 19 Feb 2007 Karma :

_Iain_ · Banned Joined: 01 Feb 2012 Karma :

I'd only ever claim if there was some form of personal injury compensation money in it to make it financially worthwhile, or if the bike was so badly knackered in the first place you could make it look like they'd done all the damage.

As its a sinnis & the values on used chineese are bugger all i doubt you'll see more than a few hundred quid back on it anyway Neutral

____________________
Please be aware that the above post may be full of complete nonsense.
Riding: '07 KTM Duke II, Baotian BT49QT-20 Driving: '88 Volvo 340

mudcow007 · World Chat Champion Joined: 01 Feb 2012 Karma :

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

My dads mate is into his bikes so he's going to have a look at the damage later. He said the forks may be twisted which can't be resolved.....

I think there is only about 6 bits to do to get it back on the road
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

wild_87 · Two Stroke Sniffer Joined: 15 May 2013 Karma :

Oh and if I do repair any help in the salford area would be greatly appraciated!!
____________________
“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

~ Thomas Edison ~

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Whoa there. If you're going to go ahead and try and claim it against your theft policy, don't lift a finger. The bike needs to be assessed by your insurer as-is.

You're looking at weeks to get a cheque though, after they've assessed it in triplicate and decided how best to screw you over.