SOHC.co.uk Forums > CB750

Accident at Roundabout

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SumpMagnet:
You may be on a sticky wicket claiming for a wheel rebuild or replacement bearings etc. If you could show clear evidence of damage to the parts in question, such as a buckled wheel...then bearing replacements etc. might have a case. Here, though, the assessor would decide whether he felt you were being sensible...or not.

The phrase to watch here is 'mitigate your losses'

Or, in other words, your obligation is to put the thing right with as little expense as possible. If you go ahead and spend the money, or otherwise inflate cost without the insurance company agreeing....you could end up in difficulty. As happened to someone I know, who hired a replacement bike, claimed for travel expenses, and an assortment of parts....including an alarm system...that he claimed were faulty after the accident. He ended up having to pay for the bulk of it himself.... The bike shop doing the repair 'quote' padded it with all sorts and he assumed it would just get paid.

Alimacdee2:
thanks for your comment,  I have considered the rear wheel replacement and would say its important to rebuild the rear wheel again, and it’s suspension parts,  I rebuilt this wheel in 1988, iit’s seen 26 years road use since then,  After witnessing the impact on it and considering using it at motorway speeds as it stands I can’t see the assessor agreeing it’s safe to use, and accepting liability in case of failure,  I’ll maybe put this to them now ..  am surprised you’d think I'm on a "sticky wicket" with it.. I do like that metaphor though!

Bryanj:
I used to deal with assesors all the time and like i said unless it is visibly damaged chances are low, there is also what they call"betterment" where you are replacing a worn used part with new so you are liable for a percentage of the cost, like your scraped exhaust, few years old with minor pitting is only worth 50% of a new one or tyre is 50%worn but damaged so they only pay half.
Also remember that you earn a NO CLAIM discount NOT a NO FAULT one so if you claim you loose it

Alimacdee2:
thanks , I've always been told you don't get get a No Claims discount  on Agreed value Classic insurance. I've asked about it several times from previous well known Classic insurers, purely because I've never made a claim,  not even used the their Breakdown cover.. always told  it doesn't apply. I'm sure your right they'll make an offer of sorts, I'm just trying to make sure my bike is well sorted, safe, not compromised in any way, and is still the great bike its been.

BTW I've just scored a NOS Tail Light Bracket on Ebay , part no. 84701300600B, Things are looking up!

Bugger seller cancelled the sale!

Alimacdee2:
Thanks for the input from everyone, every comment proved very useful in helping consider my options with the Insurer, first underwriting, (broker Lynbrook).
They’re engineer thoroughly inspected the bike, was very comprehensive in his assessment, agreed with everything I asked for, and included all costs for specialist repairs and spotted a couple of items I missed, top bloke really, obviously appreciated a good bike! Insurer agreed “cash in lieu of repairs”  and Included all costs for the rear wheel rebuild, spokes, new rim, wheel bearings, and new rear tyre, lower shock rubber bushings, swing arm bushings, rear mudguard and tail light holder, new number plate, exhaust system, points cover, brake pedal, mirror, Quite impressed really..  Actually was lucky, the Rh brake lever bending like it did, points cover, exhaust and top box saved further scrapes, engineer assessed the bike is structurally very good, and agreed with the rear wheel rebuild & associated parts a matter of safety, the insurer also agreed it reasonable to replace any suspension components suspected to be compromised on a motorcycle, even without obvious damage showing,  and to mention this to the engineer.
Afterwards the engineer guy said he was off now to look at an etype and mentioned he’d already been looking at a stitched up insurance job on a Harley, what he meant was the owner had embellished the damage along one side of his bike in a really obvious fashion! Some people!

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