Bike stolen from bike shop!
Discussion
Hello folks,
I received a rather disheartening phone call yesterday from the bike shop that is currently servicing my mountain bike to say that it has been stolen in a bit of opportunistic thievery from outside the shop.
The chap who called was very apologietic and has phoned the police etc but needs to wait for the boss to come in who will then call me to sort out what's happening etc.
Just ahead of the call, I'm trying to get a handle on what the legal position is in regard to insurance, replacement and so on.
Am I right in assuming the shop will be covered for this sort of eventually and any claim would be from their policy? I'm reluctant to claim on my own home and contents and even more reluctant to pay the excess!
What are my rights in terms of replacement? I'm assuming it's 'of equivalent value' but not sure what that actually means. It's a few years old but in good condition and I'd rather not be given another second hand bike that might be worse than my own.
I'm optimistic that the shop in question will take responsibility and make amends as they seem like good guys but just want to be sure of where I stand in case there's any confusion.
Any help or experience appreciated!
I received a rather disheartening phone call yesterday from the bike shop that is currently servicing my mountain bike to say that it has been stolen in a bit of opportunistic thievery from outside the shop.
The chap who called was very apologietic and has phoned the police etc but needs to wait for the boss to come in who will then call me to sort out what's happening etc.
Just ahead of the call, I'm trying to get a handle on what the legal position is in regard to insurance, replacement and so on.
Am I right in assuming the shop will be covered for this sort of eventually and any claim would be from their policy? I'm reluctant to claim on my own home and contents and even more reluctant to pay the excess!
What are my rights in terms of replacement? I'm assuming it's 'of equivalent value' but not sure what that actually means. It's a few years old but in good condition and I'd rather not be given another second hand bike that might be worse than my own.
I'm optimistic that the shop in question will take responsibility and make amends as they seem like good guys but just want to be sure of where I stand in case there's any confusion.
Any help or experience appreciated!
Thanks guys.
Like I say, the shop seem genuinely apologetic about it and keen to sort something out. I think they're a bit taken aback simply because it hasn't happened to them before but sure they'll sort it.
From a bit of reading, it sounds like I'm unlikely to be offered new for old as a replacement so with that in mind, perhaps the best bet is to look at getting them to contribute the value of my old bike towards a new one or something?
Like I say, the shop seem genuinely apologetic about it and keen to sort something out. I think they're a bit taken aback simply because it hasn't happened to them before but sure they'll sort it.
From a bit of reading, it sounds like I'm unlikely to be offered new for old as a replacement so with that in mind, perhaps the best bet is to look at getting them to contribute the value of my old bike towards a new one or something?
insurance_jon said:
under a shop policy it is most likely the theft will have to have been "forcible or violent", for cover to have been in force i.e not a walk off
in a similar vein to the above it is unlikely to be covered by your home insurance
That sounds disconcertingly disconcerting!in a similar vein to the above it is unlikely to be covered by your home insurance
That suggests nobody would be covered? Surely there is some expectation of security when a bike is left with a shop in my own policy?
It's all panned out pretty reasonably as it happens.
The shop have been very good and phoned yesterday to offer me a new bike (that I didn't fancy so much) or a much better bike if I wanted to put a few quid towards it. As I was intending to pay for a service and new brakes anyway, I took that option so am looking forward to collecting a GT Avalanche Comp tomorrow...
Good effort from the shop and no complaints or difficulties at all.
Thanks for the advice everyone.
The shop have been very good and phoned yesterday to offer me a new bike (that I didn't fancy so much) or a much better bike if I wanted to put a few quid towards it. As I was intending to pay for a service and new brakes anyway, I took that option so am looking forward to collecting a GT Avalanche Comp tomorrow...
Good effort from the shop and no complaints or difficulties at all.
Thanks for the advice everyone.
Gassing Station | Pedal Powered | Top of Page | What's New | My Stuff