Insurance Assessment
Discussion
My mate (no really!) dropped his 18-month old K1600GT on a roundabout recently, low speed. He's had a quote from BMW for the repair, but the insurance company want to collect and take the bike away to assess it themselves.
I'm convinced that there is a racket going on eg, when I was knocked off my RT, value at the time £8.5k, the only damage was a dented header and a few scratches but it came back as a write off. Things had been moved around and unclipped on mine, to make it look worse, but when I bought it back I simply clicked the bits back into place and I'm still riding it today as it was.
Matey doesn't want his bike taken away; he thinks they will write if off regardless. Personally I strongly suspect there's some sort of racket going on where people who, let's say, look after the insurance assessors get the pick of the cream of the lightly-damaged and valuable stuff. Matey's bike books at about £16k and the damage is purely cosmetic; I rode it myself this afternoon for over an hour.
So the question is, can he refuse it being carted away in a van with a bunch of other wrecks and either (a) demand it's inspected at his house or (b) say that he will ride it to their assessment centre at an agreed date/time for them to assess? I guess the full answer is "read the Ts & Cs" but does anyone know the real-world answer?
Cheers.
I'm convinced that there is a racket going on eg, when I was knocked off my RT, value at the time £8.5k, the only damage was a dented header and a few scratches but it came back as a write off. Things had been moved around and unclipped on mine, to make it look worse, but when I bought it back I simply clicked the bits back into place and I'm still riding it today as it was.
Matey doesn't want his bike taken away; he thinks they will write if off regardless. Personally I strongly suspect there's some sort of racket going on where people who, let's say, look after the insurance assessors get the pick of the cream of the lightly-damaged and valuable stuff. Matey's bike books at about £16k and the damage is purely cosmetic; I rode it myself this afternoon for over an hour.
So the question is, can he refuse it being carted away in a van with a bunch of other wrecks and either (a) demand it's inspected at his house or (b) say that he will ride it to their assessment centre at an agreed date/time for them to assess? I guess the full answer is "read the Ts & Cs" but does anyone know the real-world answer?
Cheers.
Even if it was deemed uneconomical to repair he could ask for an agreed repair amount then keep the bike and get paid out that amount as a maximum for having it repaired.
Also when vehicles get written off they send them to an auction house who sell them to the highest bidder, rather than passing them on to their mates.
Also when vehicles get written off they send them to an auction house who sell them to the highest bidder, rather than passing them on to their mates.
V8RX7 said:
Having seen bikes collected to go to Salvage Auctions I wouldn't let mine go anywhere.
The recovery truck driver simply pinned the very lightly damaged bike to the lorry cab, using the car behind it
This was (one of) his concerns. The question is, can he refuse and have it assessed at home, or take it to an agreed location himself?The recovery truck driver simply pinned the very lightly damaged bike to the lorry cab, using the car behind it
Some of these companies, for example Plantec do this - they take your bike away & asses the damage whilst in the meantime provide you with a loan bike which costs some ridiculous figure of around about £100 a day, this then has to be coughed up by your insurer/3rd party insurer - they give you a 'Free' helmet too.
Had this when I had an accident, the insurance company worked in partnership with Plantec who took care of the whole cliam for you which involved taking my bike away for assesment - couldnt find any info on them really but they were Ok to deal with and always avaialble by email/phone and had my bike for around 2 weeks, was over xmas too so might have been quicker normally.
Had this when I had an accident, the insurance company worked in partnership with Plantec who took care of the whole cliam for you which involved taking my bike away for assesment - couldnt find any info on them really but they were Ok to deal with and always avaialble by email/phone and had my bike for around 2 weeks, was over xmas too so might have been quicker normally.
Edited by Sea Demon on Monday 2nd March 12:30
He does own the bike, yes, it was a private purchase.
Plantec were involved when I got knocked off my bike a few years back. They took mine away and left me a loaner (accident was 100% 3rd party fault) but they had my bike for 5 or 6 weeks and wrote it off for a series of shallow scratches (bike was worth £8500 at the time, that's what they paid me out). It came back with bits moved and dislodged to make it look worse, bits which I clipped back into place and which are still on it, unmarked and unbroken, three years later.
Be interesting to see what they say if he tells them he doesn't want it taken away.
Plantec were involved when I got knocked off my bike a few years back. They took mine away and left me a loaner (accident was 100% 3rd party fault) but they had my bike for 5 or 6 weeks and wrote it off for a series of shallow scratches (bike was worth £8500 at the time, that's what they paid me out). It came back with bits moved and dislodged to make it look worse, bits which I clipped back into place and which are still on it, unmarked and unbroken, three years later.
Be interesting to see what they say if he tells them he doesn't want it taken away.
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