Insurance claim.
Discussion
I have a Honda Africa Twin 2018 which I slid 30 meters down the road into a kerb at 50mph. Hit kerb at close to 50. I have not seen all the damage as in hospital for a few days. I have informed the insurance company..
Bike was immaculate before accident. Value hopefully £9000. I know crank case is broken and a few other bits and plenty of scratches. Will bike need to come back immaculate or can it come back as a that will do and I need to accept it. Early days as only happened Thursday.
Thanks.
Bike was immaculate before accident. Value hopefully £9000. I know crank case is broken and a few other bits and plenty of scratches. Will bike need to come back immaculate or can it come back as a that will do and I need to accept it. Early days as only happened Thursday.
Thanks.
Insurance should fully indemnify you (less any excess), so the intent is that the insured is reinstated to the same financial position immediately before the loss.
So, in other words, it should be as per before the accident. If you're not satisfied with the standard of repairs, you're absolutely able to challenge the insurer on this.
So, in other words, it should be as per before the accident. If you're not satisfied with the standard of repairs, you're absolutely able to challenge the insurer on this.
It should come back in 'pre-accident' condition unless they decide it's betterment at which point you'll end up in a argument trying to get it sorted (as I recently found out). If you've gone down the road hard enough to go through the crankcase, then I'd be surprised it if was fixed at all.
Anyway, get well soon
Anyway, get well soon
Check your paperwork but the value you stated doesn't necessarily translate to what they pay out, they usually pay "market value"
If they do make an offer and it's less than you think it's worth then challenge it, best way is to obtain evidence that it's worth more using things like value of others recently sold
If they do make an offer and it's less than you think it's worth then challenge it, best way is to obtain evidence that it's worth more using things like value of others recently sold
It's also your right to choose who repairs it, you don't have to use the company your insurer recommends.
When my S1 was stolen and recovered my insurer tried to get me to use their approved cowboys. I said it was going to Audi if I had to have the car back. I then spoke to Audi and explained that the car was in perfect condition pre theft, and that's how I wanted it returned to me. Audi assessed it and the car was subsequently written off as it needed a respray, new interior, new wheels and tyres, windscreen and recoding of the security system.
When my S1 was stolen and recovered my insurer tried to get me to use their approved cowboys. I said it was going to Audi if I had to have the car back. I then spoke to Audi and explained that the car was in perfect condition pre theft, and that's how I wanted it returned to me. Audi assessed it and the car was subsequently written off as it needed a respray, new interior, new wheels and tyres, windscreen and recoding of the security system.
tomsugden said:
It's also your right to choose who repairs it, you don't have to use the company your insurer recommends.
When my S1 was stolen and recovered my insurer tried to get me to use their approved cowboys. I said it was going to Audi if I had to have the car back. I then spoke to Audi and explained that the car was in perfect condition pre theft, and that's how I wanted it returned to me. Audi assessed it and the car was subsequently written off as it needed a respray, new interior, new wheels and tyres, windscreen and recoding of the security system.
Interestingly I noticed my policy has 2 excesses, 1 if I use their approved repairer and another, £200 higher if I don't.When my S1 was stolen and recovered my insurer tried to get me to use their approved cowboys. I said it was going to Audi if I had to have the car back. I then spoke to Audi and explained that the car was in perfect condition pre theft, and that's how I wanted it returned to me. Audi assessed it and the car was subsequently written off as it needed a respray, new interior, new wheels and tyres, windscreen and recoding of the security system.
£200 seems fair for the peace of mind of using a trusted repairer
Lancerevo said:
Personally I think I would rather it written off but don’t want to take a silly hit.
I'd put a sizeable wager on it being written off if the cases are damaged - changes are hitting the kerb will have damaged the frame too.Time to go window shopping for another bike I'd say, hope you heal up soon.
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