The VFR

[killa]

So I went down to Cricklade to Elliots for the quotation on Friday…
Here’s what I need
LH mid panel
LH lower panel
LH mirror
Screen
Indicator
Clutch lever
Bar weight
Side stand
Mirror stay
Gear pedal

The parts are bloody expensive, if I don’t take some of the parts off the quote I am sure they will right the bike off.
Before I got the bike I noticed the LH kick plate was bent inwards, this rubs sometimes on the swing arm, if it rubs it too much it will not pass the MOT. The garage said it could sand blast it and polish it, if they replaced the swing arm it is £1114!!!
That’s more than half the bikes value.
Just thought I’d update you.

Killa
____________________
Cleverly disguised as a responsible adult.
Bike:- Yamaha TRX850 | Killas Biking History | Killas Gaming History | Killas autmotive history

[Claud 14.7 to 1]

Don't go through the insurance then.

The bike as it is now is perfectly ridable anyway...

Is it not?

[killa]

Yeah perfectly rideable, but if I don’t go through insurance, then what?
____________________
Cleverly disguised as a responsible adult.
Bike:- Yamaha TRX850 | Killas Biking History | Killas Gaming History | Killas autmotive history

[Claud 14.7 to 1]

Get a quote for all the parts, give her the bill and ask her to give you the money.

If she doesn't play ball (she'd be silly not to) go through the insurance and get the bike written off (if that's the case). Get the money and buy back the bike, and you should still make some money.

I'd try to do it without insurance, cos whatever you money you get from her you can keep. It'd be a few hundred! She probably won't want to lose her NCB anyway, so in some cases it's better for both parties. If it's something silly like £1000 she probably won't want to pay and you'll have to go through insurance.

I don't see the point of spending any money back on the bike, cos from where I'm standing the bike is not that bad at all. But she still would have to pay the proper amount to make it as it was before she drove the car into it.

Hope this makes sense.

So I'd probably give her a reasonable figure and hopfully she'll agree to settle out of insurance and you get a few hundred

[killa]

[EuropeanNC30R...]

This is very risky, but you could go through the insurance, get bike written off, get the payout, then buy the bike back for peanuts as a Cat D. £150-£250 being the usual price. Slavo did this for his NC30 and came out pretty well, although he didn't have a choice at the time. Unfortunately insurance companies don't always give you a buy the bike back option.

I'd still go with Claudio's way first.

[killa]

Well I spoke to my insurers a while back to make the claim and that’s why I went to get the quote.
Should I call the lady now and tell her what the amount is? Would I be in the wrong doing this?
TBH I don’t see the problem in getting the work done through her insurance meaning it will be back to normal, no money comes from me.
That way there is no hassle, I don’t want the bike written off, I just want the thing fixed.
____________________
Cleverly disguised as a responsible adult.
Bike:- Yamaha TRX850 | Killas Biking History | Killas Gaming History | Killas autmotive history

[EuropeanNC30R...]

To make it clear

The lady isn't at all likely to pay £1000 for cosmetic damage to a 15 year old bike. I wouldn't blame her if she refused, I would too.

The insurance if very likely to write off the bike for £1000 damage.

You can't have your cake and eat it. If you want the bike written off so you can buy it back (risky) go through insurance. If you want a reasonable amount to repair it yourself through second-hand/cheap parts ask the lady for a more reasonable amount.

[Kickstart]

Hi

Firstly, don't push for items that were not damaged by the other driver. Yes it would be nice to get them replaced for free, but then we all pay for that through increased premiums. Nothing wrong with claiming for what was damaged by the other driver though.

Do get another quote (most of the time the insurance company will want 2 quotes anyway).

If you can then best to go without using the insurance companies. If you do then you will have to truthfully answer the question about "any claims in the last x years".

Many people will prefer not to go through the insurance companies for very good reasons. For example my step mothers car got hit by a young guy in a new car. About £400 of damage. There was no way he wanted to go through his insurance. The policy came with the car as "3 years free insurance", but would be voided by a claim. As this was Northern Ireland 3 years comp insurance for a young driver was probably worth about £6000 if you had to pay for it.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Gazdaman]

Wasn't the bike just knocked off the stand?

There's no way all those bits need replacing.

A bit of elbow grease and hammering a few bits back into place it'd be fine I'm sure.

Have you got some pics of the damage?

Gaz

[Kickstart]

[Harold_Shand]

Balls. I must have missed your post Killa, sorry to hear all this lark. Hope you wasn't injured.
If it 100% their fault you can also claim for 'loss of use' at £10 a day from the date of the accident until you've reached a settlement.

KER-CHING.

[Gazdaman]

Personally I wouldn't go through insurance.

A mate of mine wrote off a ZX6-r after his GSX-r400 fell of its stand onto the Kwak.

We young'uns get hit hard enough on insurance as it is, making a claim wouldn't help you I'm sure. I'd get her to pay for the major things, and ignore the bar end etc. New screen, mini indicators etc off ebay.

And the panels can't be that bad just from falling off the stand,...can they?

Gaz

[killa]

The stickers are damaged, scuffed, they said replacing the panels are easier to do then replacing the stickers.
I want the fairings replaced because that is the most important parts.
No all the damage was not done to the bike in the fall, that’s where I am confused.
I didn’t see the point in listing that shit
____________________
Cleverly disguised as a responsible adult.
Bike:- Yamaha TRX850 | Killas Biking History | Killas Gaming History | Killas autmotive history

[Kickstart]

Hi

Suspect the panels could be repaired (including new stickers) for a couple of hundred (that a dealer cannot be bothered doing the job for a reasonable charge is why the insurance company will normally insist on more than one quote).

The dealer will quote for everything. If they do not and you later claim that it should have been fixed after the insurance company have given the go ahead then the dealer stands a chance of having to pay for the parts they "missed".

If you do go through the insurance then they are quite likely to just write the bike off (doesn't take much), and pay you a fairly useless amount (my guess would be £1500 or so). You might get to keep the salvage for a nominal amount.

Unless you are fully comp your insurance company are unlikely to help much (they might, but are unlikely to put themselves to any real expense as you have not paid for such cover). Chances are that you will be dealing directly with her insurance company (or directly with her).

The reality is that if you go to the driver with a £1000 bill they are almost certain to tell you to claim from their insurance, and that might well take you 6 months or so (and you are under a duty to minimise the costs, and as the bike is perfectly rideable I doubt that you could claim much if anything for loss of use).

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing