Insurance claim for stolen bike - asking for original docs

[TheArchitect]

Starting a new thread for this as the responses might be helpful for others in the future.

My bike got stolen over the weekend. Spoke to insurance this morning. Gave all the usual details about how it happened and that I wasn't riding the bike at the time it got put into the back of a van. I'm covered for TPFT with £250 excess for theft.

Insurance have now asked for originals of the V5c, MOT cert, keys and fobs before they will even start to process the claim.

I don't mind sending any of this, but is it really necessary?
What if they lose it all and i'm left with no original documentation proving I was the owner of the bike. Naturally I will keep high res copies of everything but still. I know a lot of government offices don't recognise scans/copies of official documents these days as they can so easily be shopped.
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GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[Alpineandy]

[andyscooter]

I had to do this with my bike that was written off

Only problem is I had a fine (yes i know) from dvla for not telling them iIhad had thebike scrapped as they forgot to send it off
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[.Bishbash.]

Yup, very normal. They are taking ownership of the vehicle, so need the documents. Take copies of everything and send recorded delivery.

Good luck with the sharks from the insurance company trying to pay you pittance for your bike. Hate them...HATE THEM.
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Current bike - GSX-R1000 k8

[Ste]

I'd send them by Special Delivery so there's no question or doubt about when they were delivered.

I'm pretty sure that asking for the docs and keys is quite normal, it seems as good a starting point as any in terms of verifying that you did actually had the bike and deciding what it's worth.

[goto10]

[Ste]

That'll be the V5 which says "THIS DOCUMENT IS NOT PROOF OF OWNERSHIP" on the front of it.

[goto10]

What happens if you genuinely lost a key (or, indeed, bought it second hand with one key), and only had one key for the bike - would they then try to claim that you'd been negligent? I.e. they could claim that you must've left the missing key in the ignition, hence the theft - hence no insurance payout thankyouverymuch.
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'12 NC700S & '12 CB600F Hornet [Stolen by some dickless twat] Suzuki GT500 shed

[Alpineandy]

[Alpineandy]

[Alpineandy]

[TheArchitect]

[Ste]

Send by Special Delivery and once they've been delivered phone them to confirm receipt.

[Alpineandy]

I'd assumed you'd already been given a figure.
If the documents are confirming everything you've told them about the bike already, I'd be inclined to call them and ask them when you'll received the money, and when they say 'after we receive the documents' you can say "OK, they'll just confirm everything I've already told you, so please confirm you'll be sending me £XXX" and see what their response is.
If the figure they give you isn't sufficient then ask them what you need to do to get them to pay the correct amount.
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The above comment isn't necessarily the truth and anyone that says it is, is only correct if it's the truth or they're bigger than me.

[TheArchitect]

[Rogerborg]

<arry> Is this a condition precedent to cover? </arry>

If not, you should probably kick off a complaint on that basis (then start adding their other messes to it), in addition to sending off the stuff by Don't Lose Me post.
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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

[Jayy]

Just take photos of them all and fire em off, they are pretty useless to you now mate.

[andyscooter]

[P.]

[TheArchitect]

[DrSnoosnoo]

[TheArchitect]

[arry]

The point here is if it turns up tomorrow and you wish to withdraw the claim, then you'd have sent them stuff they don't need to have.

Until they've given you a firm offer and you've accepted it, I would keep everything with you. They can assess value from photocopies.

[Alpineandy]

[P.]