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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 15:41 - 02 Sep 2016 Post subject: |
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FredTheHorse wrote: | Is it possible to buy a bike back after it has been written off and re-insure and use it? |
Yes, if it's written off as repairable. The insurance cartel calls that category C or category D, but it's a straight binary choice: repairable, or not.
If it's repairable, you just make it roadworthy, insure it, and go. No need to get it re MOTd. ____________________ 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 |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 21:08 - 02 Sep 2016 Post subject: |
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FredTheHorse wrote: |
Thanks for the link, will be useful (the accident lawyer said they are willing to do the no-win-no-fee thing. I have to cover *some* of the costs of getting medical reports, will get reimbursed by legal expenses insurance at the end either way. Insurance company supposed to ring back with whether my legal expenses cover can be used on solicitor of my choice or if they have a pre-approved list. |
Those private medicals are expensive, I think mine with a review of medical notes was something like £700, and the c**t doctor didn't spend more than 5-10 minutes on the whole consultation.
Quote: | Underwriters have offered me £1000 (after excess deducted) if the bike is written off. Half minded to take them up on it (though the damage I saw was so minor I can't quite understand why they are so keen to write it off), as the bike was a Vince Candelin special (not a scrap bike, just vastly overpriced and I let myself be gouged as a n00b). Keep the money for a big bike, but then I won't be able to practise for the DAS between sessions.
Is it possible to buy a bike back after it has been written off and re-insure and use it? |
Its yet another way they make money off your misfortune. Collect the bike, charge storage fees, have engineers come out the assess the bike etc.
Whether you get the bike (or not) depends on the insurer. Some won't allow you to buy it back, some will insist you keep it (and deduct a lot for the bike), some will want hardly anything for it and let you buy it back. |
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Falco |
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Falco Traffic Copper
Joined: 27 Nov 2015 Karma :
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Posted: 22:37 - 02 Sep 2016 Post subject: |
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M.C wrote: | FredTheHorse wrote: |
Thanks for the link, will be useful (the accident lawyer said they are willing to do the no-win-no-fee thing. I have to cover *some* of the costs of getting medical reports, will get reimbursed by legal expenses insurance at the end either way. Insurance company supposed to ring back with whether my legal expenses cover can be used on solicitor of my choice or if they have a pre-approved list. |
Those private medicals are expensive, I think mine with a review of medical notes was something like £700, and the c**t doctor didn't spend more than 5-10 minutes on the whole consultation. |
Thanks for the head's up on that one. The way the guy was talking sounded like he just wanted to get the hospital report(s), but I'll keep an eye out for such sharp practises.
M.C. wrote: | FredTheHorse wrote: | Underwriters have offered me £1000 (after excess deducted) if the bike is written off. Half minded to take them up on it (though the damage I saw was so minor I can't quite understand why they are so keen to write it off), as the bike was a Vince Candelin special (not a scrap bike, just vastly overpriced and I let myself be gouged as a n00b). Keep the money for a big bike, but then I won't be able to practise for the DAS between sessions.
Is it possible to buy a bike back after it has been written off and re-insure and use it? |
Its yet another way they make money off your misfortune. Collect the bike, charge storage fees, have engineers come out the assess the bike etc.
Whether you get the bike (or not) depends on the insurer. Some won't allow you to buy it back, some will insist you keep it (and deduct a lot for the bike), some will want hardly anything for it and let you buy it back. |
I am beginning to really understand why people loathe insurance companies. The garage I phoned hadn't collected as of 4pm and no answer on the phone. Will call tomorrow because I really don't want the insurance company to gouge on this (I have no doubt they will do that to me in my premiums for evermore anyway). Hopefully they will be reasonable about it (Aviva are the actual underwriters). |
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Celera |
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Celera Renault 5 Driver
Joined: 28 Aug 2014 Karma :
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Posted: 15:54 - 22 Sep 2016 Post subject: |
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Today I did narrowly avoid certain death by losing concentration as I pulled up to work today. Swung into the car park, slowed to a stop ready to paddle the bike back into a space and did gently, and in gloriously horrified slow motion, lower my bike to the ground.
Fortunately I escaped without any broken bones or potato.
I'd paint diagram, but it would only be of my embarrassed face. |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 18:36 - 22 Sep 2016 Post subject: |
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Feet were too neat? ____________________ 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 |
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trevor saxe-coburg-gotha |
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trevor saxe-coburg-gotha World Chat Champion
Joined: 22 Nov 2012 Karma :
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Kal |
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Kal World Chat Champion
Joined: 02 Jan 2007 Karma :
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Posted: 23:47 - 08 Oct 2016 Post subject: |
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Almost a year to the day on Tuesday morning.
Pulled out on from a junction half a mile from home - "I came from nowhere" - I wasnt overly happy about the way he was sat at the junction so I was already easing off when he shot across.
I almost managed to stop in time, but the next thing I remember is being on the deck and my head hitting the drivers door.
In case you were wondering the sun was behind him, conditions dry.
Almost no damage to the car.
I got xrayed and checked out, no breaks or permanent damage just bruising and friction burns.
Picked the bike up on the way home.
The bike is not feeling right, front end feels massively unstable so its off the road until it is assessed. Cracked fairing, smashed indicator, snapped off crash bung.
Already feeling twitchy about not riding. ____________________ Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S |
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CaNsA |
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CaNsA Super Spammer
Joined: 02 Jan 2008 Karma :
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Kal |
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Kal World Chat Champion
Joined: 02 Jan 2007 Karma :
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Posted: 00:18 - 09 Oct 2016 Post subject: |
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Not gay, traaaaaaaaaaaaaaaaaaaaaaaaaaaaaaans! ____________________ Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 09:37 - 09 Oct 2016 Post subject: |
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Paaaaaaaaaaaaaaaaaaaaaint.
Are you sure you're not dead? That sound pretty nasty.
Wait, friction burns? Did you "lay the bike down" before the impact?
Witnesses? 5-0 attendance? Just wondering how badly you're going to get bummed for deliberately riding into him. ____________________ 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 |
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Kal |
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Kal World Chat Champion
Joined: 02 Jan 2007 Karma :
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CaNsA |
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CaNsA Super Spammer
Joined: 02 Jan 2008 Karma :
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Posted: 14:06 - 09 Oct 2016 Post subject: |
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Kal |
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Kal World Chat Champion
Joined: 02 Jan 2007 Karma :
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Posted: 00:50 - 10 Oct 2016 Post subject: |
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Okay so managed to get my ass off of my phone and get the laptop working. ____________________ Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S |
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ScaredyCat |
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ScaredyCat World Chat Champion
Joined: 19 May 2012 Karma :
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Posted: 12:18 - 01 Nov 2016 Post subject: |
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What appears to be minimal damage to the bike (number plate broken in one corner) so I'm not really interested in claiming but there does appear to have been quite a large (tennis ball sized) ding in the car front wing and some scratches. I've no idea what part of the bike causes any of that, or how only the number plate got damaged.
My foot was squashed between the car and bike as he pushed into me. Think the boots may well have prevented a crush injury.
Foreign driver was in a bit of a rush to get to Harwich, on roundabout went to take the exit, then didn't just as I was taking it. I was indicating at the time, he wasn't
https://dl.dropboxusercontent.com/u/188253/_bcf/boom/boom.gif
He kept saying it's dark and I don't know the area, his wife kept saying sorry - she did seem concerned about my foot.
Managed to stay upright.
Exchanged name, address, email, phone but not insurance details - was in a lot of pain at the time.
Question is really about insurance. I get that I need to report it to them, but I don't really want to claim, I'm just interested in doing it so that if he makes a claim my insurance co are already aware of it and don't think I've hidden it from them. What do I do to not make a claim but tell them about it, just phone - is that my NCB totally gone now too or just if a claim is made? ____________________ Honda CBF125 ➝ NC700X
Honda CBF125 ↳ Speed Triple |
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Kal |
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Kal World Chat Champion
Joined: 02 Jan 2007 Karma :
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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owl |
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owl World Chat Champion
Joined: 21 Oct 2016 Karma :
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Val |
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Val World Chat Champion
Joined: 03 Nov 2012 Karma :
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Posted: 12:39 - 03 Nov 2016 Post subject: |
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#24
Few days ago has gone through roundabout I mean literally. Few road signs and a somersault later I've landed on the grass. Bike also has landed. On my back.
Apparently I've been 5 minutes LOC. Paramedics have tied me to a stretcher and despite my protest cut off all my gear.
I am fine nothing broken. Can't do paint left handed.
Nobody else involved or injured. Moral of the story - do not ride like a dick
And ABS brakes don't work well on grass.
I have paid for the best comprehensive insurance so I hope it will pay back now. The bike does not look too bad. Mangled front wheel and front forks only. It is with the the repair company now.
Ride safe guys ____________________ Adrian Monk: Unless I'm wrong, which, you know, I'm not...
Yamaha Fazer FZS 600, MT09, XSR 900 |
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dn38416 |
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dn38416 Nitrous Nuisance
Joined: 17 Aug 2013 Karma :
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NJD |
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NJD World Chat Champion
Joined: 11 Mar 2015 Karma :
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dn38416 |
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dn38416 Nitrous Nuisance
Joined: 17 Aug 2013 Karma :
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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techathy |
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techathy Traffic Copper
Joined: 09 Aug 2015 Karma :
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Posted: 15:14 - 06 Nov 2016 Post subject: |
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#26 - November 6th
Came to a stop at some traffic lights and my right foot slipped to the right... managed to balance against the bike to gently lay it down on the ground. Tried to lift the bike up again but feet just slipped out from under me. Took a total of 3 people to right the bike
https://www.bikechatforums.com/download.php?id=98650
Injuries: bruised inner leg from it pressing against a hard edge of the bike & a cut to my left wrist from seam in glove(?)
Damage to bike: plastic rocker cover trim slightly scratched.
Last edited by techathy on 20:22 - 07 Nov 2016; edited 1 time in total |
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NJD |
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NJD World Chat Champion
Joined: 11 Mar 2015 Karma :
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duhawkz |
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duhawkz World Chat Champion
Joined: 03 Dec 2006 Karma :
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Posted: 22:19 - 06 Nov 2016 Post subject: |
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techathy wrote: | #26 - November 6th
Came to a stop at some traffic lights and my right foot slipped to the right... managed to balance against the bike to gently lay it down on the ground. Tried to lift the bike up again but feet just slipped out from under me. Took a total of 3 people to right the bike
https://www.bikechatforums.com/download.php?id=98650
Injuries: bruised inner leg from it pressing against a hard edge of the bike & a cut to my left wrist from seam in glove(?)
Damage to bike: plastic rocker cover trim slightly scratched. |
Those tyres are a bit square, that bikes clearly never seen a corner ____________________ "The guy is a worthless cunt and I honestly believe I would be a slightly happier person if he died." - Chris-Red |
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Old Thread Alert!
The last post was made 7 years, 170 days ago. Instead of replying here, would creating a new thread be more useful? |
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