Woke up, went downstairs and bike stolen....cock

Woke up, went downstairs and bike stolen....cock

Author
Discussion

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
So after riding 9 months with little drama my bike was stolen last night, chain cut and likely lifted away (disc lock fitted also)

Guess this is going to be a painful experience, especially as I'll now have to commute 30 miles a day on a pedal bike until it's fixed and my insurer doesn't have the best of reputations....waiting for their lines to open now...

Dog Star

16,079 posts

167 months

Friday 24th April 2015
quotequote all
fking bds - really sorry to hear that. What do you have to do to hang onto them these days?

Don't worry too much about the reputation of the broker - we had two stolen last year on a Wednesday and the bike with the El-cheapo policy paid out the following Thursday and the other "premium" name the day after that.

Good luck.

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
Fingers crossed although I've just read the policy and there is no mention of excess on it, just a number of codes.

However looking through their other documents and putting things together they've put a £1600 theft excess on (the value of the bike) that was completely unknown. If that was the case I would have paid 1/4 of the premium for third party only (currently TPFT)

I hope I can push back on that and actually get a pay out as it wasn't explained at the time...if not I'll have just lost the bike with no redress...only put petrol in it last night!!!!

Edited by kiethton on Friday 24th April 07:20

Esceptico

7,347 posts

108 months

Friday 24th April 2015
quotequote all
Sorry to hear that. Hope you get it sorted with the insurance. I always park up on a busy street but still a bit apprehensive when returning to the bike until I can see it is still there.

defblade

7,396 posts

212 months

Friday 24th April 2015
quotequote all
kiethton said:
However looking through their other documents and putting things together they've put a £1600 theft excess on (the value of the bike) that was completely unknown.
That sounds dodgy. I suspect you're in for a fight...

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
Police are now on their way to check things over, will give them the data tag numbers

It must have been lifted, chop chain into a van and away - they had no key...either that or chop, wire jiggle and ride away, not sure...

What's the going price for a 2013 (63) Honda CBR125R, 6k miles but previously cat D

I think this is going to be a fight with the insurance co. Who would have guessed that MCE2 would equal an excess and link to a referenced table that was not even contained in the policy document. Only found out what the code was for after googling it...

Tribal Chestnut

2,997 posts

181 months

Friday 24th April 2015
quotequote all
Sorry to hear that and good luck sorting it. What chain did you use?

Hopefully my best buddy will be along to tell you the ins co tactics aren't legit, if indeed they do try and wriggle out of paying.

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
Chain was an oxford gold 2m

Not touched or looked too closely but has been cut at the end, gone like cheese, hell my pedal bike lock is likely stronger! (Kryptonite NY Mini)

Only put a full tank of petrol in it 4 miles ago and all!

Dog Star

16,079 posts

167 months

Friday 24th April 2015
quotequote all
MCE? That would explain the crazy excess then. frown

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
Indeed, need to get that clarified as had I known that or had it been stated on the policy document or on the phone when running through the details I would have never purchased the policy

It's completely disproportionate

.blue

726 posts

179 months

Friday 24th April 2015
quotequote all
Sorry to hear. Where are you based?

Trust you've posted photos in the usual forums and fb groups...

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
No pictures I'm afraid, I'm based in Orpington (SE London/Kent) standard 2013 CBR125R in the white colour scheme, reg:

GX63THG

Damage:

Crack in front mudguard
Scratch on tail panel
Scratches on exhaust
Rust halfway down left handlebar (slightly bent too)

I'll post the serials on FB and twitter now

trumptriple

202 posts

130 months

Friday 24th April 2015
quotequote all
Sorry to hear about your bike. I don't live far from you and was reading this just the other day...

http://www.bromleytimes.co.uk/news/crackdown_on_mo...

mitzy

13,857 posts

196 months

Friday 24th April 2015
quotequote all
Really sorry to hear this babe there are some real scum out there
Hope you sort the ins out soon


kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
And the police have found it!

Abandoned in an Orpington graveyard

No idea on the condition but it's being recovered to Charlton pound, guess it's easier to just pay to fix everything and release etc.

sc0tt

18,032 posts

200 months

Friday 24th April 2015
quotequote all
kiethton said:
And the police have found it!

Abandoned in an Orpington graveyard

No idea on the condition but it's being recovered to Charlton pound, guess it's easier to just pay to fix everything and release etc.
By carlton parade?

anonymous-user

53 months

Friday 24th April 2015
quotequote all
Best of luck sorting and hopefully its not in too bad nick.

This isn't aimed at you Keithon but a general observation as it sounds like you are fairly new to the insurance game! I don't get why people say things like 'oh XYZ Insurer that will explain the big excess'....sorry but as a basic rule of thumb you would specify or at least check your exposure in the potential event you are relieved of your bike? I would never want to put myself in the position where its a lucky dip what i get paid out because i didn't check when handing over my hard earned for a policy. I am with MCE and have little to no excess as I requested a waiver - so its not like they secretly con you you of money.

kiethton

Original Poster:

13,883 posts

179 months

Friday 24th April 2015
quotequote all
No idea which graveyard, I'm based near the poverest roundabout so assume so. All I know is it's now at Charlton pound.

Does seem a little strange, although the disc lock is admittedly st and very cheap so wouldn't surprise me if it was snapped off and taken away.

Indeed, it was my first bike policy and a lesson for the future...the policy document just has a number of codes and an amount preceding them in what is essentially an "other" box. With no explain action on the document which code is which, I checked the main points but couldn't reference the codes at the time.

Lets just hope it's not too badly damaged.

Will be purchasing a new disc lock (abus 68?), a good U-lock (to lock the rear wheel to the frame - won't go around the lamppost) and then securing the lot to the lamppost with a chain.

sradmarty

230 posts

144 months

Friday 24th April 2015
quotequote all
I've got nothing useful to add to this topic, I just wanted to say I hope their cocks fall off.

tvrolet

4,251 posts

281 months

Friday 24th April 2015
quotequote all
Glad it's been foind - hope it's OK.

Sorry to OT, but the photo in this link cracked me up!

trumptriple said:
Sorry to hear about your bike. I don't live far from you and was reading this just the other day...

http://www.bromleytimes.co.uk/news/crackdown_on_mo...
There's a photo of a bike at the top of the article with the title 'A motorbike'

Now what I guess would be a stock shot shot of 'A motorbike' might be expected to be a generic 126 or something.

nerd But this is what I think is a very pristine late 70s? Honda CB750 F2 Phil Read Replica (with 4-4 exhaust and original comstars). That has to be a rare beast indeed for 'A motorbike'.