RTA on the bike today - Insurance help
Discussion
LoonR1 said:
You really need to watch yourself with this and the hire bill that you're building up. It will be £1000s by now.
What can i do / Should i do? How am i exposed?I do agree that in the interests of saving everyone's insurance premiums, this whole matter should have been resolved within a couple of weeks.
Prizam said:
What can i do / Should i do? How am i exposed?
I do agree that in the interests of saving everyone's insurance premiums, this whole matter should have been resolved within a couple of weeks.
Probably not a lot when you look at the T&Csof the loan you signed when hiring the bike. I do agree that in the interests of saving everyone's insurance premiums, this whole matter should have been resolved within a couple of weeks.
Still on the POS hire bike.
Told them to get on with it and i will cough up the £800 excess.
Parts on order, none turned up yet.
3rd party's insurance have not yet commented. Losing the will, here. Its a relativity straight forwards case, with a witness.
I will be billing them for my time in all the chasing I am having to do, as well as the holiday I have had to take from work.
They want me to go see an ambulance chasing DR for an "inspection", I declined repeatedly up until last week, when I received a letter with an appointment date. I will now go to this.
Completely and utterly pissed off with it all now. Another couple weeks and the bike will have been in for "repair" for longer than i have owned it.
Told them to get on with it and i will cough up the £800 excess.
Parts on order, none turned up yet.
3rd party's insurance have not yet commented. Losing the will, here. Its a relativity straight forwards case, with a witness.
I will be billing them for my time in all the chasing I am having to do, as well as the holiday I have had to take from work.
They want me to go see an ambulance chasing DR for an "inspection", I declined repeatedly up until last week, when I received a letter with an appointment date. I will now go to this.
Completely and utterly pissed off with it all now. Another couple weeks and the bike will have been in for "repair" for longer than i have owned it.
Prizam said:
Its just starting to sink in just how much of a ball ache all of this is.
Thankfully my balls don't actually ache, just my knee. And i didn't eat tarmac, and the other guy seems to be playing ball.
How is your knee btw......Thankfully my balls don't actually ache, just my knee. And i didn't eat tarmac, and the other guy seems to be playing ball.
If you have had a bad knock it could produce problems in later life.
- DISCLAIMER* I'm not mentioning this in an ambulance chasing compensation type of way, just stating facts.
Knee still hurts, mostly in the evening. Its strange, its under the knee (knee pit if you will). Also hurts up the leg and in to my bum.
Should really get to the doctors.
By means of an update. I still haven't got the bike back.
It has apparently been repaired, after paying my £850 excess (Yikes). But they have lost the bike so cant deliver it back to me.
And to top it off, still no word on liability. At my last update the 3rd party still had not looked at the witness statement.
This is all dragging on for a lot longer than I can bear.
Should really get to the doctors.
By means of an update. I still haven't got the bike back.
It has apparently been repaired, after paying my £850 excess (Yikes). But they have lost the bike so cant deliver it back to me.
And to top it off, still no word on liability. At my last update the 3rd party still had not looked at the witness statement.
This is all dragging on for a lot longer than I can bear.
Sorry all, using this as a bit of a diary now.
Got the bike back on wednesday after they lost it. The repair is good, in fact I cant fault it really. not that their was much in the way of damage anyway.
No admission of liability yet. 3rd party insurance company has not said anything.
Anyway of speeding this up? Their must be guidelines on how quickly insurance company's must respond. Nearly 5 months now and still "No comment". Starting to piss me off having this looming over me.
Got the bike back on wednesday after they lost it. The repair is good, in fact I cant fault it really. not that their was much in the way of damage anyway.
No admission of liability yet. 3rd party insurance company has not said anything.
Anyway of speeding this up? Their must be guidelines on how quickly insurance company's must respond. Nearly 5 months now and still "No comment". Starting to piss me off having this looming over me.
PurpleMoonlight said:
What is your suggestion to combat the third party insurers incompetence or obstruction then?
Why are they incompetent? They've got as long as they want to sort this out. What would you like them to do? Accept liability, even if their policyholder is denying it? I'm sure there'd be carnage on here if insurers did that whenever they felt like it. If the OP's insurers think that things are moving slowly then they'll issue when they feel like it. Given their track record with fixing his bike I'd wager that the wheels are moving slowly at their end just as much as the other side.
By claiming on his own insurance the OP will loose his NCD and excess.
How long should he wait for all the insurers to sort it out between themselves. 6 months? 6 years? The rest of his life?
Again, how about providing some actual assistance to the OP rather then blindly supporting insurers.
How long should he wait for all the insurers to sort it out between themselves. 6 months? 6 years? The rest of his life?
Again, how about providing some actual assistance to the OP rather then blindly supporting insurers.
PurpleMoonlight said:
By claiming on his own insurance the OP will loose his NCD and excess.
How long should he wait for all the insurers to sort it out between themselves. 6 months? 6 years? The rest of his life?
Again, how about providing some actual assistance to the OP rather then blindly supporting insurers.
Have you had a look at this thread from September? Go back and have a read. How long should he wait for all the insurers to sort it out between themselves. 6 months? 6 years? The rest of his life?
Again, how about providing some actual assistance to the OP rather then blindly supporting insurers.
Edited by LoonR1 on Tuesday 17th November 07:31
Reading this I'm glad I was with Swiftcover - when I was rear-ended they sorted everything out. I didn't have to pay any excess, the car was taken away and repaired at a BMW dealer and I had a hire car from Enterprise for the time it was away being repaired. Come renewal my premium didn't change. Overall it was a (fairly) painless experience.
Will look at Swiftcover for next year!
I think now Plantec have given the bike back I have been handed over to CN legal services. Who seem a lot more efficient.
I have the scheduled of losses and expenses. The bike hire costs are eye watering! You could have purchased outright at least 3 of those bandits for the cost of the hire. Its cuffing nuts!
That said, i wouldn't have been able to do my London commute without it.
On balance, it is still completely possible that this whole ordeal is down to the 3rd party's insurance being useless. CN Legal services are getting on with it and putting forwards a "Part 36", stating that if no response or satisfactory offer is received they will start legal proceedings.
My guess right now, based on my experiences so far is that no response will be given, legal proceedings will follow and the 3rd party will settle up a few days before the court date. f
kers.
I think now Plantec have given the bike back I have been handed over to CN legal services. Who seem a lot more efficient.
I have the scheduled of losses and expenses. The bike hire costs are eye watering! You could have purchased outright at least 3 of those bandits for the cost of the hire. Its cuffing nuts!
That said, i wouldn't have been able to do my London commute without it.
On balance, it is still completely possible that this whole ordeal is down to the 3rd party's insurance being useless. CN Legal services are getting on with it and putting forwards a "Part 36", stating that if no response or satisfactory offer is received they will start legal proceedings.
My guess right now, based on my experiences so far is that no response will be given, legal proceedings will follow and the 3rd party will settle up a few days before the court date. f
kers.Very interesting, as soon as the legal lads give them a kick i get the news that they have accepted liability and are awaiting my "claim".
Least its one less thing for me to worry about, and i can look forwards to getting my excess back.
The cynic in me thinks that Plantek might have been stringing it out for the hire bike money. hummm...
Least its one less thing for me to worry about, and i can look forwards to getting my excess back.
The cynic in me thinks that Plantek might have been stringing it out for the hire bike money. hummm...
By way of an update / closure to this.
3rd party admitted liability and a couple weeks later have accepted costs for my kit, the hire bike and my insurance excess. Even bunged me a few quid for the busted leg / knee.
Knee still hurts and shows no sign of getting better. No point in chasing it though. Padding it out with £50 notes wont make it feel any better.
just waiting on the cheque now.
3rd party admitted liability and a couple weeks later have accepted costs for my kit, the hire bike and my insurance excess. Even bunged me a few quid for the busted leg / knee.
Knee still hurts and shows no sign of getting better. No point in chasing it though. Padding it out with £50 notes wont make it feel any better.
just waiting on the cheque now.
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