Lost all my NCD on a 50/50 claim...

[Flemy]

Thus, I am going to have to get rid of my beloved Suzie , just spare a thought for your fallen comrade BCFers... I will have to get myself a little 125 or something for a couple of years...

On a side note, if you ever have a woman pull out on you and then admit all liability(in front of her passenger) and offer to pay damages to avoid going through the insurance, ignore her and go through the insurance anyway as otherwise you get fucked over by everyone... Wankers.

I rang her multiple times with no response, so decided to cut my losses and forget about it repairing all damage to my bike myself until one day I get a letter from her insurance wanting to take me to court. LSS, 50/50 as no independent witnesses.
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Prev- Pug speedfight 2 50cc x3 (Write off, blown engine and stolen), Honda Xr 125-L (Nail), Suzuki GSX-R 600(stolen). Current- Kwak ninja 300

[C1REX]

I had a similar situation. I guy drove into me and bent my gear lever. He had a scratched bumper. We agreed to not call insurance as I had 20 quid worth of damage only.

... a month later I've got a letter that he claimed on my insurance. Few months of stress, writing letters and drawing pictures everything was sorted on my favour. CCTV cameras on a near round about could be the reason.
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MCForum meetup - One of the biggest motorcycle clubs in UK

[-Monty-]

Yeah I had a 1 year NCD then had an accident that was settled as 50/50, which was fair enough as I think I was partly to blame. However, I don't think the insurance needed to be involved as damage to my bike was purely cosmetic so wasn't too bothered.

Damage to her car was the wing mirror was hanging off and apparently the door was so damaged that she could no longer open it (she opened it to get out of the car after I was knocked off). So apparently the total cost for her repairs was £1,500. She lied about the details of the accident too as well as her damages.

The most annoying thing was the accident happened at the start of my policy, so I had to wait almost a year before I could even START to work up NCD. I still won't have 1 year NCD until February.

Edit: On the plus side I did get about £350 for repairs to my bike. It was a very optimistic quote but I thought if she's going to take the piss so will I. Had she been reasonable I wouldn't have tried to get any money out of it.
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Present: [Kawasaki ZX7r][Suzuki DRZ 400s]
Past: [Honda PCX 125] [Yamaha RXS 100] [Honda CB 500] [Triumph Speed Four] [Honda ST1100 Pan European - Po-Po Edition]

[G]

Did you try and fight it?

Did you take pictures at the scene?

Ideal is to get your mobile recording sound too; not sure how much this can be used, but no doubt can be 'persuasive'.

[janner_10]

As G said - you didn't cover your bases. Take pictures, write a report of everything that happened whilst its still fresh in your mind. Date, time, road conditions, exactly what she said, details of witnesses.

Treat everyone as some sort of scamming cunt and don't believe a word they say.

Exactly the same happened to me, I wiped the floor with the guy in court as I had so much stuff prepared.
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Yamaha FZS600 (Now gone to heaven) > CBR600F4i (SOLD) > '99 YZF-R1

[j.silvs]

Another reason to get a helmet cam?

[Nb]

Camera's are the answer, as everyone's claiming for whiplash after a stubbed toe its the only way to cover your arse these days.
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Cbr1100xx blackbird gone, mk4 golf gt tdi chav now
Colin1 wrote 'Im grateful for what i can get, which isnt all that much.'
Columbus travel insurance are crap!! Do not use!

[Dave70]

This is the main reason that I've called the police out at the time of both of my non fault RTA's. They can see the and document the scene of the accident and get statements from all parties concerned, before anyone has had time to concoct "stories". They can also get witness statements and details if there are any.

[Doovy]

[_Iain_]

Had a woman do this to me after a car smash.

Apparently a 5mph rear end shunt that doesnt even crack the rear bumper is £1k of damage to a micra. She claimed, i've not been able to own a car scince due to insurance. My insurers diddn't even let me know i'd been claimed against till they'd payed out for it which took the piss. Same vehicle got rear ended two weeks later, claimed & got a bike.

I'm fairly confident that your GSXR isn't going to be getting you insurance quotes at over £300 per month...would just keep it & be grateful that it costs less than driving
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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

[yaigi]

These stories are good to hear, I'll sure be covering all my bases should anything ever happen, trust no-one!
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What would you do in life, if you knew you could not fail?
Currently own - Fazer 600, 2000, Red. (But no riding as baby on board atm)

[Acemastr]

I've never owned a bike where the insurance was over £700, god knows what you're doing wrong... plus you don't lose all of your no claims, just 2 years
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[sabian92]

And people wonder why insurance is so high...

Sorry to hear you got wankered. What a bitch.

[sabian92]

Double post... whoops.

[C1REX]

Reminder to myself to have my camera with me at all times.
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MCForum meetup - One of the biggest motorcycle clubs in UK

[Doovy]

[dave666]

[TheBikerStig]

Glad I came across this thread. Makes me realize just how cunted some people are. Always assumed that if you settle out of court, you cant be taken to court, clearly not the case regarding insurance. Definitely wont be settling claims by the road side now.
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I am usually naked when posting to this forum.

[C1REX]