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General / Insurance claim question
« on: 31 January 2020, 06:26:10 pm »
Last August some idiot took me out on a roundabout (cut across my path).
It was very low speed, so I only had a bit of damage to the fairing and headlamp mount and the front brake lever mount was bent when the bike fell onto its side, although the quote to replace that lot with OEM parts and workshop time would be around £1000!.
Unfortunately I've just had a letter from the insurance company's claim handling people saying "We have been unable to make recover of your financial losses [...] We have received no respnose from the Thirdy Party Insurers and have exhausted all avenues of recovering your costs".
They go on to say: "As we are not a law firm we cannot issue Court Proceedings on your behalf to effect a recovery of your losses".
Has anyone else been in this situation and got any ideas what to do next?
Frankly I don't really want the hassle of trying to start a Court claim, and, even if I did, I don't know how much I'd actually get back. There's also the moneyclaim.gov.uk route, but I don't know anything about that.
I do have Fully Comp insurance, so would it be best to just claim on that? I do have protected NCB (over 10 years) which should mean my renewal premium won't go up too much.
I'd welcome any helpful advice.
It was very low speed, so I only had a bit of damage to the fairing and headlamp mount and the front brake lever mount was bent when the bike fell onto its side, although the quote to replace that lot with OEM parts and workshop time would be around £1000!.
Unfortunately I've just had a letter from the insurance company's claim handling people saying "We have been unable to make recover of your financial losses [...] We have received no respnose from the Thirdy Party Insurers and have exhausted all avenues of recovering your costs".
They go on to say: "As we are not a law firm we cannot issue Court Proceedings on your behalf to effect a recovery of your losses".
Has anyone else been in this situation and got any ideas what to do next?
Frankly I don't really want the hassle of trying to start a Court claim, and, even if I did, I don't know how much I'd actually get back. There's also the moneyclaim.gov.uk route, but I don't know anything about that.
I do have Fully Comp insurance, so would it be best to just claim on that? I do have protected NCB (over 10 years) which should mean my renewal premium won't go up too much.
I'd welcome any helpful advice.