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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 26th August 2007, 21:02   #1 (permalink)
embelliss
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Join Date: Aug 2007
Posts: 2
embelliss Novitiate
Default motorbike insurance claim, advise needed

Hi,

I am posting here for advise on a claim my friend is making for his motorbike, and it is so complicated and crazy! So please bear with me, I will try explain it as simply as possible.

The motorbike was bought, new, in april.

INCIDENT ONE.
In the third week of may, a tractor and trailer reversed into his bike, while he was parked, sitting on it, with pillion. The trailer wheel damaged the back left of the bike and grazed the pillion passengers leg.

The company who owned the tractor advised my friend to get a quote from the garage he bought it from for cost of damages, which he did the next day.
Although damaged, the bike was still road worthy.

INCIDENT TWO.
2 days later, my friend went for a long ride with convoy.
A car pulled out in front of him, cause him to brake, wheel locked, he came off and the bike went down road.
Most of the damage caused from this was on the left side of the bike.


Now, because the second claim is getting reviewed and disputed, yadda yadda, the 3rd party insurance are not yet paying out for the bike to be fixed for incident two. he is getting the damaged bike delivered back to him.

Ideally he wants to sell the bike, as he cannot afford the repairs himself, and leaving it to sit in the drive doing nothing is a waste.
He would prefer to sell the bike as is (for spares or repairs), and buy another bike as he needs transport.


As the bike has potentially been devalued due to incident one (The back end probably would not have been affected by Incident two, as the bike slid on its side on the road), does any one think incident one claim is still valid?
He has an official quote from the garage he bought it from for the work for incident one (luckily he got the quote before incident two!!) which the company had advised him to get.

I hope this is enough info

please reply!! thanks.
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Old 28th August 2007, 13:45   #2 (permalink)
craigwalton
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Default Re: motorbike insurance claim, advise needed

I take it your friend only has TPFT cover (If not let his Insurers deal with this)

The best thing to do is to get a quote from the company who did the quote for the 1st repairers. Ask the 2nd insurer to pay the difference between that and the 1st quote.

The 1st quote is still valid, and the Insurance should pay for this.

This means your friend should still have the bike - to be sold on, and two Insurance cheques.

Good luck
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Old 28th August 2007, 13:52   #3 (permalink)
embelliss
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embelliss Novitiate
Default Re: motorbike insurance claim, advise needed

Quote:
Originally Posted by craigwalton View Post

Good luck
Thank so much for your help!
Yeah he only has TPFT so I'm his adopted secretary haha

We have written a letter to the first insurance- with a copy of the official quote- so hopefully we hear back from them soon.
The Second insurers are disputing- saying the third party was already over the other side of the road before my friend braked.
I guess this is going to be a long case for him- that is why he has asked for the bike back so he can sell it

If the 2nd insurance comes back in his favour- and he no longer has the bike, will he just get a cheque? Or does he have to still have the bike to fix?
The TP bike inspectors didn't say no to selling it.

Again, thanks for your help!
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