I'd certainly not take the bike. This is how these companies make their money. Your insurance company will charge a massive fee for the loan of the bike, and all this does is inflate the claim. If you don't NEED it then just waive the offer. These companies are shysters, they stick an unqualified underlings on the case and bill the companies for their time and drag out the resolution until they have skimmed a fortune off the guilty parties. This is not for your benefit, it is for theirs. I signed up for updates from a Bike Law company called White Dalton and every month they send an email with their latest piece of advice in the various magazines and it makes for a good read. Most of them are here. https://www.whitedalton.co.uk/motorbike-blog/category/motorcycle-magazine-articles/ Take a look. it may open your eyes. Heres someone else's problem which may sound a bit similar. https://www.whitedalton.co.uk/motorbike-blog/2018/11/bike-recovery-storage-charges/
Holy crap!! Just read the second link (BMW minor damage) and am astounded. What a friggin' eye opener. Perhaps as one who hasn't ever made a claim I am naive to insurers' antics (save for exhorbitant 'admin' costs on some policy changes). Thanks to this post, IF I have cause to initiate a claim I shall be much the wiser and 'on guard'. Cheers @exuptoy .
The White Dalton website has a link to sign up for their updates. It's not junk mail IMO as the info in them is so useful. The guy who writes these columns also gives the legal argument too sometimes or even the law reference, which can be handy to have at the back of your mind.
I saw this the other day & was rather disgusted. Then it got me thinking that my insurance is 'single' . I'm going to put a similar profile but 'married' thru the bike comparison sites and see what it throws back. It's really going to boil my p#ss if it's cheaper though https://www.thescottishsun.co.uk/ne...by-200-when-dad-died-because-shes-now-single/
And so is mine. My next renewal is due in February and you can be sure that I'll be checking that out. We're always agreeing to the insurance company's 'assumptions', but I'm damn sure I won't have a company 'assuming' that I ride or drive differently solely on the basis of marital status. Friggin' assses! In the meantine I have a bit of work to do updating my profiles on russian brides dot com; korean brides dot com; as well as the 14 others I have on my emergency marriage spreadsheet!!
Lol you won't have any money left for insurance if you go down that road again It's interesting that....if the insurance companies have been penalising single drivers for years...then surely that was discrimination when gay marriage/civil wasn't available....as it meant back then all you could be was 'single'
If this situation is not resolved in the next couple of months I will try and source some of the bits from eBay etc. Ultimately, I will call it a day with motorbikes in the near future. We are being priced of the roads. Strangely enough my wife and I have just downsized our car to a Yaris hybrid, no tax. Once the blade is gone, no tax . The roads are crap and far too much traffic. In fact, if I win the lottery we are off to Majorca and a new SP blade!
All of this simply confirms what we know, that most insurers are a bunch of money grabbing scheisters who couldn’t give two hoots about us or our bikes
To update on my earlier comments re IAM Surety insurance. Finally this week agreed a settlement. I approached TC when he was at his previous employers and got hooked up with them. I was T boned by a taxi as I legally crossed a bus lane at a marked exit leading to my workplace garage. Without giving the full and boring details I was pitched down the road as he hit my leg side on between 25-30 mph, the taxi driver was a c**t who stood over me as I lay in the road demanding my details, once he ascertained that sex with his mother was not a legal thing in this country ( although it maybe is in his) he retreated to his vehicle and sat in it and sulked whilst we awaited plod and an ambulance. Plod were useless and just moaned about RTAs when it was raining and refused to view his dash cam as eveidence, for reasons only known to them, within 48 hours I had a letter from plod informing me that they had exhausted all lines of enquiry and they could not proceed any further due to lack of evidence but I could instigate a private case if I wished. Boy, that was quick policing work! My insurance company via IAM Surety capitulated and settled as an at fault claim against me. My initial solicitor was very inexperienced, and when the 3rd party finally responded they supplied a video of the incident, surprisingly not from his dash cam but cctv in the street, my solicitor said it was my fault, I disputed this and raised a formal complaint to the solicitor, which to their credit did 2 things, referred it to TC for comment and appointed a senior litigation solicitor to take the case on. TC was a star, and basically agreed with my comments on the video. Thanks mate!! Move on 18 months, and after many delays, the 3rd party admitted liability last week and offered a settlement before the court date. And as my solicitor correctly stated, in law even what seems black and white is not actually black and white and basically it’s who blinks first in a game of Russian roulette and they just blinked first! The only winners are the legal boofs, their costs are 4 times more than my damages, I don’t give a toss, I just wanted an old fashioned ideal called justice and to see taxi c**t finally have to take a hit on his record.
I am really pleased that at long last liability has been accepted by the other side and you can start to put this matter to bed It is unfortunate that the other side have argued the toss for so long, hence the reasons why the legal fees will have been so substantial. I was never in any doubt that you were in the right, at least now you know you were in the right. Well done, I am really pleased for you.
Bike is back , almost done. Tank cover is on order, due in March. Front fender, lower fairing, mirror and tail end part(where rear cowling sits) all brand new. Come on the good weather.
