Fazer Owners Club - Unofficial
General => General => Topic started by: SpokesT on 22 June 2017, 10:58:34 pm
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Hello,haven't posted in ages, so maybe this is my punishment.... having just collected my bike, a red 03 plate 600 with just 14k on the clock, from the mechanic having had it fettled to within an inch of its life, new brakes front and rear, full service, etc, I parked it in town and two minutes later a young woman, 20yrs old, reverses her 16 plate Audi A1 into it. Up and over it goes, pivoting on the centre stand, and falls directly onto the kerbstone, smashing in the nearside of the tank, bending the bars and clutch lever against the tank, tearing off the mirror and cracking the fairing in the process. Who knows what other little bends an dniggles lie beneath it all.
Now. She wants to go down the cash route. I've told her a new tank is around £700 unpainted, god knows how much a fairing is. It will be a write off for sure.
So, do I swallow it being written off, buy it back, do it up on the cheap, probably below standard compared to what it was like before the ding? Or do it using her cash?
I have zero experience of this so would really appreciate some expert input if possible. Cheers.
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Insurance value of the bike will highly likely have it written off.
Unfortunately no matter how decent the bike had been kept, the book value is what they go on, and it's simply a 14yr old bike.
The way insurance is rapidly rising i would try and avoid any claim if i was you.
My mums car insurance was £340 last year, this year was quoted £840, with no claims, they just take the piss.
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She is keen not to go down the insurance route and so are you but I think if you go quoting to her full factory brand new replacements like £700 just for the tank then she will just say "oh ok then lets go through insurance". I know it wasn't your fault but if you want it out of insurance hands then you need to source beakers prices and live with some dents.
She is a young driver and I know if it were were my daughter looking at £2000 cash - top price for everything then I would be telling her to go through the insurance.
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At her age as well it will undoubtedly be a bad move for her to get insurance people involved.
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Ask her for £1500 put £500 toward it and buy a minter off ebay, sell yours spares or repair £850/£1000 ish, puts you £500 ish in pocket.
http://www.ebay.co.uk/itm/YAMAHA-FZS-600-FAZER-MOTORCYCLES-2003-1-OWNER-8550-GENUINE-MILES-12-MONTH-MOT-/382124952054?hash=item58f86c09f6:g:0~kAAOSwVJhZPkYg (http://www.ebay.co.uk/itm/YAMAHA-FZS-600-FAZER-MOTORCYCLES-2003-1-OWNER-8550-GENUINE-MILES-12-MONTH-MOT-/382124952054?hash=item58f86c09f6:g:0~kAAOSwVJhZPkYg)
That bikes nothing to do with me BTW
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On closer inspection its not that mint :rolleyes but you get my drift.
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:useless
Is she a babe or a minger
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Pics
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Nother pic. Two estimates put the damage at the £1500 mark. Now her dad wants to look at the pics I took of the damage (i.e. These ones). I've suggested i take the bike round so he can assess the workshop guys knowledge of bike mending and associated costs. I can see this going to insurance. Thanks for replying, everyone.
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I know it's your pride and joy but personally looking at that I'd take as much money as they're willing to give you and use it to replace the mirrors/bars/levers with some nice upgraded parts then live with it.
Doesn't look like it'd be worth writing it of for a set of bars and a dented tank. But like I said that's just me, your well within your rights to want it all putting back straight at her cost
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Now her dad wants to look at the pics I took of the damage (i.e. These ones). I've suggested i take the bike round so he can assess the workshop guys knowledge of bike mending and associated costs. I can see this going to insurance. Thanks for replying, everyone.
Ah - herm!
I know if it were were my daughter looking at £2000 cash - top price for everything then I would be telling her to go through the insurance.
I would take an amount of cash and only spend it on that what is needed to get on the road and live with scratches and dents and keep the rest in my pocket towards a new bike in the future
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Bare in mind that your insurance will go up even as a non fault claim if you go through her insurance. You're better off being realistic about the price you can get it repaired for or source second hand parts from a breakers.
Just my opinion but it's your bike and ultimately your decision what you decide to do.
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I was about to mention the premium going up but dazza messed my phone up to make himself look brainy. *cough cough* knob
Anyway it will also effect other premiums including car insurance
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If you're going through the insurance bear in mind that most insurers have a time limit on reporting an accident, (assuming you haven't notified them yet) i had a similar situation a couple of years back with my van. A woman ran into the side of me & the husband said he would pay cash to get it repaired rather than go through the insurance, he came round to look at the damage & started making back peddling noises like "its an old van" & "i know a mate" etc etc He then proceeded to offer me £50 as a good will gesture!! i told him to go get himself fucked & that i would be going through the insurance. Luckily this all happened within 24hrs.
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Cheers everyone. The die is now cast. Daddy clearly said, "£1500 pfffft, that's just a scratch" and five mins later I get a call from my OWN insurance asking me about the incident! My spanner man reckons he can sort it all out for me for about £500 using eBay parts and his top spray paint mate, so maybe buying it back once it's written off is in order.
My premiums are low as I'm an old fart, so I'm not too worried about all that tbh.
My other option is to cut and run and move on completely to something else as I have a spare couple grand I could chuck in to any payout.
A pleasantly painful dilemma...
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Depends how much the insurance wants to buy it back. If it's only £500 to fix I'd buy it back and do that, even if you keep it as a winter hack and put the rest of your money into something a little more exotic for the summer 🤔😎
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On the other hand a 20 year old ( if that ) girl in a BRAND NEW - last year Audi A1 WTF :eek
Daddy brought the car Daddy can pay for HIS mistakes
HOLD ON -Driving in flip flops !!!!!! :eek :eek :eek im sure her insurance will have something to say about that. I had all symphy for this girl but it is fast dwindling
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Cheers everyone. The die is now cast. Daddy clearly said, "£1500 pfffft, that's just a scratch" and five mins later I get a call from my OWN insurance asking me about the incident! My spanner man reckons he can sort it all out for me for about £500 using eBay parts and his top spray paint mate, so maybe buying it back once it's written off is in order.
My premiums are low as I'm an old fart, so I'm not too worried about all that tbh.
My other option is to cut and run and move on completely to something else as I have a spare couple grand I could chuck in to any payout.
A pleasantly painful dilemma...
Sorry but that just makes you sound (imo) a twat........ 20 yr old girl more than likely paying rip off insurance premiums wants a helping hand by not going through insurance and all you clearly want to do is fleece her for a meesly grand.
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Cheers everyone. The die is now cast. Daddy clearly said, "£1500 pfffft, that's just a scratch" and five mins later I get a call from my OWN insurance asking me about the incident! My spanner man reckons he can sort it all out for me for about £500 using eBay parts and his top spray paint mate, so maybe buying it back once it's written off is in order.
My premiums are low as I'm an old fart, so I'm not too worried about all that tbh.
My other option is to cut and run and move on completely to something else as I have a spare couple grand I could chuck in to any payout.
A pleasantly painful dilemma...
Sorry but that just makes you sound (imo) a twat........ 20 yr old girl more than likely paying rip off insurance premiums wants a helping hand by not going through insurance and all you clearly want to do is fleece her for a meesly grand.
You see I was thinking along the same lines until I saw the 2016 A1 audi. Daddys money - Daddy needs to pay. Or its on finance in which case she should not go paying for status symbols she can not afford ---------- or stop trying to drive in flip flops !
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From experience go down the insurance route.That's what we ALL pay it for.
Once foolishly agreed not to invole the insurers when someone rear shunted the cage with the missus driving.
Never again, insurance every time.
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Well 'Daddy' clearly knows f-all about motorcycles. Show him a list of replacement parts prices and tell him it's £1500 cash or insurance. As said, if it's insurance, buy it back. She needs to learn an expensive lesson, and how to use her mirrors when reversing.
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Cheers everyone. The die is now cast. Daddy clearly said, "£1500 pfffft, that's just a scratch" and five mins later I get a call from my OWN insurance asking me about the incident! My spanner man reckons he can sort it all out for me for about £500 using eBay parts and his top spray paint mate, so maybe buying it back once it's written off is in order.
My premiums are low as I'm an old fart, so I'm not too worried about all that tbh.
My other option is to cut and run and move on completely to something else as I have a spare couple grand I could chuck in to any payout.
A pleasantly painful dilemma...
Sorry but that just makes you sound (imo) a twat........ 20 yr old girl more than likely paying rip off insurance premiums wants a helping hand by not going through insurance and all you clearly want to do is fleece her for a meesly grand.
Does it?
Sounds quite sensible to me.
Would she give SpokesT a 'helping hand' if it had been the other way round?. I guess we will never know.
This going down the cash route is all well and good up until the evening of the event when things have cooled down and the driver starts getting helpful 'advice' from friends and family.
Usually along the lines of...'You don't want to pay that!', 'I wouldn't pay this!', 'It's just a scratch!' etc etc.......
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This is what insurers will be looking at.
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This is what insurers will be looking at.
What site is that darrsi? I feel like being pissed off haha
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Cheers everyone. The die is now cast. Daddy clearly said, "£1500 pfffft, that's just a scratch" and five mins later I get a call from my OWN insurance asking me about the incident! My spanner man reckons he can sort it all out for me for about £500 using eBay parts and his top spray paint mate, so maybe buying it back once it's written off is in order.
My premiums are low as I'm an old fart, so I'm not too worried about all that tbh.
My other option is to cut and run and move on completely to something else as I have a spare couple grand I could chuck in to any payout.
A pleasantly painful dilemma...
Sorry but that just makes you sound (imo) a twat........ 20 yr old girl more than likely paying rip off insurance premiums wants a helping hand by not going through insurance and all you clearly want to do is fleece her for a meesly grand.
Does it?
Sounds quite sensible to me.
Would she give SpokesT a 'helping hand' if it had been the other way round?. I guess we will never know.
This going down the cash route is all well and good up until the evening of the event when things have cooled down and the driver starts getting helpful 'advice' from friends and family.
Usually along the lines of...'You don't want to pay that!', 'I wouldn't pay this!', 'It's just a scratch!' etc etc.......
Agree 100%.
Also be wary of 'settling' yourself.
The other party might get tapped up by a no win, no fee in the future. The whole thing is clearly her fault, but people can easily taught to lie when the promise of £thousands is mentioned. With no hard evidence of what happened, apart from a collision you could be liable for a massive payment with no way to disprove false accusations; and your insurance wont want to know as you never informed them at the time.
Take a bit of a hit on your premiums [seems to affect the price of car insurance more than bikes] get the insurance involved and dont turn a fender bender into a possible financial disaster
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I've just repaired my FZ1S gen2 with from what I could see from your pics had similar damage to yours, I bought the bike with the damage. New fairing £250, new rad cove side panel £52, new in fairing infill panel £58 all genuine parts bought from my local Yamaha dealer, right front indicator complete copy part £22. Bagstar tank cover to hide similar damage to fuel tank £50 Ebay. Tank being repaired and resprayed later this year £100. £532 in parts and tank repair just over 4 hours work stripping and refitting new parts it's back to 11000mile VGC bike. Take the money offered and repair it and enjoy. My bet is the insurance company will right it off and there is no guarantee now days you will be able to buy the salvage back. Hope that helps you decide what to do
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Take the money offered and repair it and enjoy.
But we don't know what sum he has been offered, or even if there has been an offer at all.
According to SpokesT the father has dismissed the quote and described the damage as 'just a scratch'.
That doesn't bode well for any forthcoming cash offer :rolleyes
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This is what insurers will be looking at.
What site is that darrsi? I feel like being pissed off haha
http://www.wisebuyers.co.uk/motorcycles/bike-prices/Yamaha/ (http://www.wisebuyers.co.uk/motorcycles/bike-prices/Yamaha/)
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Let's face it, she's got more to loose than you have if it goes to insurance, so that's your lever. As said, show an itemised price list of parts/repairs and see what he's going to offer for the 'scratch'.
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I'm not sure how anything I've posted can possibly make me look a twat, but hey it takes all sorts lol.
No money was offered to me. Below is the workshop assessment of the damage and associated costs. This is what she showed her Daddy. I've made no attempt to 'fleece' anyone, ever in my life, so maybe one of us on here is a twat, but I don't think it's me.
The incident was witnessed by a colleague in the foyer of the place I was inside of when it happened. Thanks everyone for the advice and input (even the one who think's I'm a twat for having had my bike knocked over while it was parked, im always grateful for negative role model input as a benchmark for how not to behave), it's really been appreciated in my hour of need.
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So Daddy is arguing against a workshop estimate! He's the twat. They're bluffing. Tell them you are going the insurance route and have a witness.
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I'm loving the fact you all presume she's little rich girl 'daddy's' money
and yes perhaps twat was a bit harsh but answer this one if this damage had been done by yourself would you be
1. Claiming off your insurance
2. Buying all new original parts and have shop do the work £1500
3. Sourcing the parts 2nd hand looking for a tank and fairing the same colour £500 aprox
Are you out to make some extra holiday money or to punish the girl for her negligence. What was the circumstances of her reversing into the bike, had you parked behind her your photo doesn't show much of the road around. Was she on mobile phone or doing her hair (good reasons to hammer the cost)
the benefits of cash settlement has to work for both parties(not meaning you should be a soft touch and lose out) and perhaps daddy is bluffing with going through insurance, though not likely as he set that ball in motion.
I'm just
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Note to self don't bother posting from mobile phone :/
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Few years ago I had a SMIDSY with a witness who offered video footage of the whole thing. First thing I did was contact my insurance to tell them what happened. A few days later the drivers insurance phoned and told me to get my bike fixed. Only after it was fixed did I phone my insurance and tell them I wouldn't be claiming. Didn't affect my premiums at all.
Doesn't hurt to keep your options open. If it does go down the insurance route I can't see her insurance quibbling over £1500.
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Few years ago I had a SMIDSY with a witness who offered video footage of the whole thing. First thing I did was contact my insurance to tell them what happened. A few days later the drivers insurance phoned and told me to get my bike fixed. Only after it was fixed did I phone my insurance and tell them I wouldn't be claiming. Didn't affect my premiums at all.
Doesn't hurt to keep your options open. If it does go down the insurance route I can't see her insurance quibbling over £1500.
Of course they will, when the book value is lower than the claim?
As good as these bikes are, regardless of condition and mileage, they will go by the age of it.
Don't like admitting it, but it's the way of the world.
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On the other hand a 20 year old ( if that ) girl in a BRAND NEW - last year Audi A1 WTF :eek
Daddy brought the car Daddy can pay for HIS mistakes
HOLD ON -Driving in flip flops !!!!!! :eek :eek :eek im sure her insurance will have something to say about that. I had all symphy for this girl but it is fast dwindling
My thoughts as well. Inexperienced driver and driving in flip flops?!? :rolleyes
For insurance - how does it work in the UK?
In Serbia, if it is another driver's fault 100%, your premiums stay low. At least the obligatory insurance that pays damages to other people when it is your fault.
If someone damaged my bike and weren't willing to pay for repairs, I'd go with insurance - what else is there to do?!
Would I accept cash for the price of repair using 2nd hand parts? No, I'd get that from insurance - I'd expect at least about 30% on top of that.
I had once hit a car, braking the rear signal light of the car, when I was young and inexperienced, first few months of driving. Paid the man what he had asked for - not wanting to bother with the police and thought it was the most decent thing to do to compensate him for the inconvenience. It was about 100 euros, but that was half my monthly wage at the time. My father had confirmed it was a fair thing to do, even though he was sure the price was "inflated". The upside for me was avoiding fine from the police and keeping the insurance costs low(er). Also, knowing the insurance is a bother and often takes months to pay for the damages, making sure the man doesn't have more inconvenience because of my fault was the least I could do.
A (brand new?) Audi at 20 years of age...
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On the other hand a 20 year old ( if that ) girl in a BRAND NEW - last year Audi A1 WTF :eek
Daddy brought the car Daddy can pay for HIS mistakes
HOLD ON -Driving in flip flops !!!!!! :eek :eek :eek im sure her insurance will have something to say about that. I had all symphy for this girl but it is fast dwindling
My thoughts as well. Inexperienced driver and driving in flip flops?!? :rolleyes
For insurance - how does it work in the UK?
In Serbia, if it is another driver's fault 100%, your premiums stay low. At least the obligatory insurance that pays damages to other people when it is your fault.
If someone damaged my bike and weren't willing to pay for repairs, I'd go with insurance - what else is there to do?!
Would I accept cash for the price of repair using 2nd hand parts? No, I'd get that from insurance - I'd expect at least about 30% on top of that.
I had once hit a car, braking the rear signal light of the car, when I was young and inexperienced, first few months of driving. Paid the man what he had asked for - not wanting to bother with the police and thought it was the most decent thing to do to compensate him for the inconvenience. It was about 100 euros, but that was half my monthly wage at the time. My father had confirmed it was a fair thing to do, even though he was sure the price was "inflated". The upside for me was avoiding fine from the police and keeping the insurance costs low(er). Also, knowing the insurance is a bother and often takes months to pay for the damages, making sure the man doesn't have more inconvenience because of my fault was the least I could do.
A (brand new?) Audi at 20 years of age...
Basically, in the UK, if you ever have an accident whether you caused it, they caused it, or more than likely you even witnessed it or talked about it, then everyone's insurance goes up next time.
It's a licence to print money and mug everyone off.
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I'm loving the fact you all presume she's little rich girl 'daddy's' money
and yes perhaps twat was a bit harsh but answer this one if this damage had been done by yourself would you be
1. Claiming off your insurance
2. Buying all new original parts and have shop do the work £1500
3. Sourcing the parts 2nd hand looking for a tank and fairing the same colour £500 aprox
Are you out to make some extra holiday money or to punish the girl for her negligence. What was the circumstances of her reversing into the bike, had you parked behind her your photo doesn't show much of the road around. Was she on mobile phone or doing her hair (good reasons to hammer the cost)
the benefits of cash settlement has to work for both parties(not meaning you should be a soft touch and lose out) and perhaps daddy is bluffing with going through insurance, though not likely as he set that ball in motion.
I'm just
I parked my bike at the kerbside at an approx 45degree angle, away from any other vehicle, and walked into the building where I do voluntary work for a charity. It was standing there like the balls on a bulldog. She drove into the road, picked up her friend, then did a u turn across the width of the road next to my bike and simply reversed back across and directly into it.
I could explain my personal financial circumstances to you but they're none of your business. She asked me to get two quotes for the damage, that was one of them and the other was the same once labour was factored in but was done via email through the main dealer who supplied the bike. I thought a little independent would be as fair as possible as an alternative.
She asked for my photos to 'show dad' and he has clearly decided the damage, all his daughters fault, isn't worth forking out for, and has instructed the insurers.
I'm still struggling to work out how you've made your quantum leap assumptions. You know what they say about people who assume...
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To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.
I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.
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Just remember OP - you have done nothing wrong, nothing. Having had almost the same thing happen to me in the long past and experiencing some intransigence, just think you've been helpful, got a quote and done your bit.
The idea you are trying to make something of this indicates there are some real prats on this forum.
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To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.
I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.
I was parked outside the Society for The Blind. Ooohhhhhh the irony!
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Is there any law about wearing suitable footwear when driving a car?.
I'm not in the slightest bit surprised to see that she has flip-flops on. I expected nothing more. But would they be deemed unfit for use?.
Could you drive barefoot if you so wished?. Could you ride a bike barefoot? :eek
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To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.
I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.
Kind of what i was thinking.
Breaking it down to bare facts, she hit the stationary bike, it was fine before that, now it isn't.
Of course that's why they're named "accidents", it wasn't deliberate whatsoever, it's just that every now and again shit happens, but in this instance that accident has resulted in damage to someone else's property so she needs to take full responsibility, get things back to the way they were before the accident, and even an apology wouldn't go amiss either for the trouble caused. For instance i really rely on my bike, for daily commuting and also because i'm on call for work every other week. Without the bike i wouldn't be able to be on call so would lose money.
It's just one of life's lessons that she needs to deal with and move on, and maybe pay more attention in the future at where she's aiming her motor.
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Basically, in the UK, if you ever have an accident whether you caused it, they caused it, or more than likely you even witnessed it or talked about it, then everyone's insurance goes up next time.
It's a licence to print money and mug everyone off.
If your insurance has to pay anything its regarded as "at fault" and next year your premium will probably be more than the bike is worth. Your car insurance will also go up. If her insurance pays its "no fault" and your premiums are not touched and you will not have to pay an excess. I know this from experience of both. In the "no fault" scenario they gave me a loan bike while mine was being repaired and replaced my boots and lid - I was on the stationary bike when someone drove into it. They (the drivers insurance company) said I would not be expected to be any worse off as a result of their driver's actions.
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To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.
I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.
I was parked outside the Society for The Blind. Ooohhhhhh the irony!
Did her dog run out of the car to see if your bike was okay? :lol
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Basically, in the UK, if you ever have an accident whether you caused it, they caused it, or more than likely you even witnessed it or talked about it, then everyone's insurance goes up next time.
It's a licence to print money and mug everyone off.
If your insurance has to pay anything its regarded as "at fault" and next year your premium will probably be more than the bike is worth. Your car insurance will also go up. If her insurance pays its "no fault" and your premiums are not touched and you will not have to pay an excess. I know this from experience of both. In the "no fault" scenario they gave me a loan bike while mine was being repaired and replaced my boots and lid - I was on the stationary bike when someone drove into it. They (the drivers insurance company) said I would not be expected to be any worse off as a result of their driver's actions.
I've also heard a few times of people claiming on other peoples insurance for damage caused to their vehicle through no fault of their own, the same as this scenario, and their insurance went up because they had made a claim.
Maybe different companies have different rules. They're still all slippery buggers at the best of times though.
http://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html (http://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html)
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I've also heard a few times of people claiming on other peoples insurance for damage caused to their vehicle through no fault of their own, the same as this scenario, and their insurance went up because they had made a claim.
Maybe different companies have different rules. They're still all slippery buggers at the best of times though.
[url]http://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html[/url] ([url]http://www.thisismoney.co.uk/money/cars/article-3052191/How-drivers-insurance-costs-soar-no-fault-accidents-don-t-claim.html[/url])
There is a central claims register they all tap into so you can't hide the claim. The online quoting engines always assume the worst. When I hit diesel on my 10 year old Fazer I had to claim because of the amount of damage I did to the car I slid into. My bike insurance went up to about 800 for 3rd party only. they tried to bump my car premiums (and my wife's) the following year and I had to phone around until I could find a company that would over-ride what the computer said. We both had 9yr + NCB and once I explained that it was a different class of vehicle and what actually happened they accepted it - did need a lot of phone calls though.
No problems with the SMIDSY though. I ended up not claiming as the driver's insurance contacted me and offered to pay. Still shows up on my history but has never affected a quote. Some companies hold it against you for 3 years and some for 5. I agree its best to keep insurance out of it altogether but you should never be penalised for someone else's mistake. SInce he wasn't on the bike it would be pretty hard for her to claim anything other than full responsibility unless the OP was illegally parked.
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That's a point. What about the hire bike she/her insurance will have to pay for while yours is out of action. Nice new MT07 or 09 probably the nearest equivalent :-) The cost of that will shut Daddy up :lol
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I reckon the Audi A1 involved is the 150bhp turbo model.
I'd imagine you would need pretty deep pockets to insure that at 20 years old?.
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My monies on it being a 1.4 petrol ;) ...........and if that was my bike i would put an insurance claim in , when stripping down the bike you might find other damage , although at 1500 they will write it off...when i had a low spill on my 600 boxeye repairs came to 500 , insurers were happy with that.....good luck
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My monies on it being a 1.4 petrol ;)
Yes it is a 1.4 petrol. It's the TFSI 150bhp turbo petrol.
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Assuming it is a straightforward process form now of it being written off with her insurers carrying the cost, what is the process? Do they offer me a fiver and I stroke my beard and say, "make it two grand " and we work towards a figure in a kind of reverse haggle, or do they just state a figure they will not vary and I have to be done with it? How involved do my insurers get in terms of getting me the best deal? I've never had to do any of this in over thirty years of riding or driving, hence picking the brains of the many and varied experts on here. With thanks and appreciation for all the inputs so far.
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Everyone is assuming its her car. Maybe its her mums or even a company car.
Either way, it makes no difference to you Spokes, let the insurance deal with it and be prepared for a low ball offer to start with.
Dig out copies of adverts from Biketrader or similar showing bikes in similar condition and mileage etc to show how much it will cost you to replace with a near identical bike. Thats the figure you aim for.
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Just be prepared to get hit with a twat tax :lol
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An assessor should come to look at the bike damage. He'll sent the info with an estimate to the insurers. You will be made an offer. You can refuse the offer and try to get it revised upwards. You should try this as the insurers will try to get away with the least cost to themselves. They are not interested in you. They are just trying to save money.
Good luck with it
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It is her car. The insurers are representing her, not anyone else with the same surname e.g. Mum or Dad. And it turns out her insurers are MY insurers too! No wonder they called me within minutes of her texting me to tell me she was going down this path. They called me earlier and started talking about settlements, either market value or cash to repair it myself. To that end they are getting a 'motorbike engineer' to call me tomorrow to discuss the itemised damage list I've given them as per the workshop assessment I posted on here, as they 'recognise that older bikes can often be repaired using second hand but still serviceable parts'. Which is all very well, providing such parts exist for sale. They'll also sort me out with a hire bike in the meantime.
Bottom line is my bike will live on, one way or another. Huzzah!
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Good news :) and make sure you get a nice hire bike (although nothing's better than a :faz ) and enjoy it
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It is her car. The insurers are representing her, not anyone else with the same surname e.g. Mum or Dad. And it turns out her insurers are MY insurers too! No wonder they called me within minutes of her texting me to tell me she was going down this path. They called me earlier and started talking about settlements, either market value or cash to repair it myself. To that end they are getting a 'motorbike engineer' to call me tomorrow to discuss the itemised damage list I've given them as per the workshop assessment I posted on here, as they 'recognise that older bikes can often be repaired using second hand but still serviceable parts'. Which is all very well, providing such parts exist for sale. They'll also sort me out with a hire bike in the meantime.
Bottom line is my bike will live on, one way or another. Huzzah!
Just in case this helps you, even a bit:
Local insurance companies in my country hire real experts to assess the damages. The man should know the prices of 2nd hand parts and repairs. Make sure you are well prepared - with quotes from service shops for installing the parts, as well as with quotes for new parts. The policy is to see if prices of new parts + labour match the write off price. If they do, or exceed the write of price - you get the bike written of, and do with the money as you please - repair, or get another bike (the latter is hardly ever possible for the money you get).
Trying to report some previous damage as the damage resulting from the incident (not even implying you were planing on that, but just in case) usually gets you in trouble for a fraud charge.
Best of luck - hope it all goes well.
Hope you don't get a Honda for a hire bike. :rollin
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If they are going to repair it, let them worry about where the parts come from. As long as it is as good a condition when you get it back as it was before the accident then its not a worry. after all, the parts that got damaged were not new were they?
As for write off values, as I have said before, have a look at existing adverts for similar age/condition/milage bikes and that is the price you want regardless of how low they value it.
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Well this is becoming surreal. Not only am I getting a hire bike, I've just had a call from their tech guy to discuss the estimate for the damage that I presented.
"I've seen your damaged parts list and the quoted cost for effecting the repair and it would put this into the realms of being written off. I understand that you would be willing to accept a cash settlement to keep your bike on the road yourself. Your estimate has the damage at £1487, but we could only offer you...."
>sits back awaiting pi$$taking piddly offer of 50%<
"...£1400 if that's acceptable."
>falls off chair<
It's a good job I'm an atheist or else I'd be wasting the rest of today down at St Ignatius's on my knees 😜
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Unusual for a good offer first time round. Is it inline with teh going rate for a repalcement though based on the adverts on-line?
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SpokesT I'd go and buy an euro millions ticket for tonight's £72m draw!! :lol
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You could buy another bike with that money :lol
Nice result, i wasn't expecting that one. :thumbup
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Haggle, there's £87 at stake here :lol
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Is that £1,400 write off value, and then you have to buy it back. If it is, you need to find out the buy back cost now
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Nice try but I have sussed you mate -------- you work for the insurance image department and this has all been a rouse to lead us to a good insurance publicity image stunt.
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I'm still reeling in shock from this. At the quoted prices, I can buy a new, painted and stickered fairing and tank if need be, and still have around £600 left to buy bars, clutch lever, bar ends etc, all of which I can get as pattern parts or eg Renthal which I hear are better angled than the originals. No impact on my bike's status, or my no claims. Vehicular negativity never works in my favour usually, hence all my previous questions, the answers to which once again I thank you all for.
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Glad to hear you got a fair compensation. Pics when you finish the repairs! :)
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Good for you Spokes repair and enjoy. Really nice to hear of a rider coming out on top for once in a no blame on them collision.
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Be careful - make sure they dont record it as a Cat-C. If they do, which they are entitled to, teh value will drop so anythign you spend on the bike gettign it back into shape will be money you lose effectively when you go to resell it.
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They've told me it won't affect the status of either my bike or my no claims
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So your getting £1400 and its not written off? Well done if that's the case.
My 99 fzs600 was knocked over by a driver while stationary in a car park, she asked about paying the damage. I gave her a list of what was needed, was only about £400, she decided to go via insurance, which i found weird but i was getting bike fixed, so happy. Well the insurance ended up writting the bike off, i was offered £1600 or £1278 and keep the bike, thought i'd won a watch. Went to Europe, repaired the bike and got a shed.... Only now do i realise how its not all a plain as you think. I have to declare the accident, ok as a non fault but it has to be declared and this has affected my insurance for both bike and other policies, this could be bad luck on my part or the true picture. I was added to my Partners brothers van insurance, he asked all my details and i had to supply the claim info, he said with out the claim his policy went up £30 a year... with the claim it was up £80 a year. Just because it all looks well just now, it could change the future.
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I had the same as Tefer. My no claims was unnafected but for 5 years (for me this period ended a couple of years ago) I had an inflated insurance for simply being in an insurance claim (no claim made against myself it was all the other parties fault). You can actually check this by ticking the box on compare the market - it is something like "been involved in an accident in last 5 years even if not your fault" - and compare with and without to see how much it will affect you.
I found that the insurance companies wouldn't budge each year after calling them directly...
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:agree
My Mrs has had no-fault claims and my insurance went up as a result as she is a named driver
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The line the insurance company takes is that as it was not your fault, they wont reduce your discount (no-claims) but as you were aft enough to be in the place you were to get hit by someone else you are obviously a higher risk as you might do it again so load your premium.
Barstewards
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The line the insurance company takes is that as it was not your fault, they wont reduce your discount (no-claims) but as you were aft enough to be in the place you were to get hit by someone else you are obviously a higher risk as you might do it again so load your premium.
Barstewards
Not the policy in my country, but, from my knowledge and experience, it does make some sense. A good driver/rider is one who is aware of other people's mistakes and avoids an accident. Riding bicycle in my city, I could get hit by a car every day, without it being my fault.
Would lots of such riders make drives more careful? Probably.
Would they quickly drain insurance companies' funds? Definitely.
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Sounds like your insurance companies are not just in it for the money. Over here, they see drivers/riders as cash cows. Insurance is mandatory for all drivers/riders so they charge a fortune for it. Any excuse they can make up for increasing what the charge is used.
At renewal time, if you dont check, they will routinely hike up the premium in the hope you will just automatically renew without checking elsewhere. Almost all teh time you can get a quote from your existing company for significantly less than they offered you,as a loyal customer, to stay with them in the first place. Barstewards.