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Vracktal |
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Vracktal World Chat Champion
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tom_e |
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tom_e Brolly Dolly
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bacon |
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bacon World Chat Champion
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Posted: 16:08 - 04 Nov 2018 Post subject: |
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Firstly, never take their first offer, unless it's obviously a good one. In my recent claim I got them to increase substantially twice, maybe three times? before getting ti an acceptable figure.
Second - it doesn't matter what you originally paid for the bike, what matters is its value at the time of the claim. Again, using my claim as an example - I'd had the bike less than two months before writing it off so I had to provide the dealer's invoice to the insurer. Thing is, my purchase price was exceptionally good, as I'm convinced the dealer had priced my bike as a lower-spec model, and I ended up getting £1K over my purchase price, despite them having seem the invoice.
Third - which is how I managed the above - is to find real examples of current adverts for bikes as near-identical to yours as possible; ie showing what it will cost to replace, and send them to the claims handler.
Mods are a tricky one though - see my current thread here.
[EDIT: sheesh - note to self: never bother to reply to new forum threads within the first half-hour! ) ____________________ KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS
Last edited by Freddyfruitbat on 16:10 - 04 Nov 2018; edited 2 times in total |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
Joined: 16 Aug 2013 Karma :
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Vracktal |
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Vracktal World Chat Champion
Joined: 04 Oct 2012 Karma :
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Posted: 16:38 - 04 Nov 2018 Post subject: |
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Thanks lads, this is exactly the sort of thing I wanted to hear. I'll persevere with finding some similar bikes (although finding other BMW riders who've actually done 40k miles on their bikes might be tricky).
Also, I was told it's fairly normal to have to dispose of the bike myself. I specifically made sure it wasn't taken to a storage yard and hired a zipvan to take it to my house to avoid incurring storage fees, so I imagine they see it as my responsibility to be rid of it. I'll pull some of the easy bits that weren't wholly fucked by the crash and take what's left to the local yard to get a certificate of destruction for the DVLA to lose. ____________________ 2007 BMW R1200R: On road
2009 BMW G650X Challenge: On road
1975 Norton Commando 850: Off road, awaiting recommissioning |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
Joined: 16 Aug 2013 Karma :
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1198 |
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1198 World Chat Champion
Joined: 24 Jan 2013 Karma :
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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DrDonnyBrago |
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DrDonnyBrago World Chat Champion
Joined: 03 Jan 2010 Karma :
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Posted: 11:11 - 05 Nov 2018 Post subject: |
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When my car was totalled the payout offer was very low, after some hag droned at me for a few minutes and acted very offended when I told her she was wrong, I asked them to send the valuation reports.
These were very basic, the inputs seemed to be just model, trim, mileage, year and "condition" (i.e. v good, good, bad), followed by values from a few different databases.
Anyway, it seems that the ignition had died in the impact so couldn't check mileage, they then just guessed it to be about 30k higher. |
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Wonko The Sane |
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Wonko The Sane World Chat Champion
Joined: 20 Jan 2013 Karma :
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Posted: 17:52 - 05 Nov 2018 Post subject: |
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"It's normal for the bike owner to want the bike after it's been damaged"
Yes, on a lower category write off we'll often either fix the bike up and then ride it as a hack until it dies or strip it for parts. So bike owners are more likely to want to buy the wreck - that or to get the aftermarket parts (heated grips, custom seat, panniers etc)
if the bike has been marked as not allowed on the road then the insurance ought to be denying this as they have the responsibility to ensure it's not put back on the road, are they not acting illegally allowing a bike back out into the wild beyond their control?
as Ste has asked - do you want the bike back?
If not then tell them to screw it on the scrap fee, you want them to pay out for the bike and take it off your hands - you're effectively selling them the wreck, that's how an insurance claim works.
You've nothing to loose by negotiating, they may tell you "final offer, take it or leave it" at some point (never been in that position myself) it's not your insurance company you're pissing off by pestering - their job is to indemnify their client (he's responsible but has asked them to act on his behalf and cover him) their job is also to put you in a position similar to if the incident had never happened, so similar bike and modifications. ____________________ Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251 |
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P. |
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P. Red Rocket
Joined: 14 Feb 2008 Karma :
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Vracktal |
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Vracktal World Chat Champion
Joined: 04 Oct 2012 Karma :
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Posted: 18:52 - 20 Nov 2018 Post subject: |
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Follow up to this, I went back to my solicitors with a list of the five cheapest F800GS bikes in my area with similar mileage and spec, with valuations coming in between £5k and £6500. However, they've responded that their engineer who assessed my bike is standing by his valuation of £4200. For reference, I bought the bike for £4,500 about a year ago with 30k miles at the time, it had 37k on it when it was written off.
My solicitors wrote: |
Good Afternoon [Vracktal],
I have recently received comment back from the Engineers following your recent comments.
They have advised that with regards to the overall valuation of your bike, they have followed the FOS guidelines which they use as guide data. They do not consider local adverts when looking at valuations as advertised prices are subject to negotiation and are a requested price from the dealer only. The Engineer has advised that he is not willing to amend the valuation provided within his report.
With regards to the extras on the bike, if you are able to provide evidence in support of their purchase, I can look to include them within your claim.
Please advise as to whether or not you agree the content of the Engineers report.
I look forward to hearing from you in due course.
Kind Regards,
[My Solicitors]
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Not sure what to do next. A lot of the extras I put on it were right when I first purchased it so although I have bank transfer or paypal records for them, the original listings aren't available anymore.
I want another F800GS and with the value they're offering me i'll be hard pressed to find one in my spec, but I don't know how to convince them to press for a payout that will actually even cover that. ____________________ 2007 BMW R1200R: On road
2009 BMW G650X Challenge: On road
1975 Norton Commando 850: Off road, awaiting recommissioning |
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Riejufixing |
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Riejufixing World Chat Champion
Joined: 24 Jun 2018 Karma :
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Vracktal |
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Vracktal World Chat Champion
Joined: 04 Oct 2012 Karma :
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T.C |
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T.C World Chat Champion
Joined: 05 Nov 2003 Karma :
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 12:12 - 21 Nov 2018 Post subject: |
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You should do what T.C says
Were it me, I'd shamelessly steal quite a lot of that almost word for word. |
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DrSnoosnoo |
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DrSnoosnoo World Chat Champion
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Vracktal |
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Vracktal World Chat Champion
Joined: 04 Oct 2012 Karma :
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Old Thread Alert!
The last post was made 5 years, 150 days ago. Instead of replying here, would creating a new thread be more useful? |
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