4th dimension, usual tricks....

[b1k3rdude]

I see 4th dimension are still upto thier useal tricks, I wonder how badly this owner got fleaced by them, as I cant see whats wrong with the bike -

https://www.ebay.co.uk/itm/305670177829?...R9Sjr-OWZA

[agricola]

Likely to have been a write off though. Doesn't take much for them to be a total loss, doesn't look to bad on the pics though

[b1k3rdude]

Its listed as 'Cat N' which is one of the lowest categories afaik. N is cosmetics and looking at the images more closely I can see the following -

- left hand non-oem fairing panel is held on with a cable tie to the left side of the tank
- the same panel has what looks like a small crack in the fairing lower down (to the left hand side of the rad.)
- there is a sticker on the tank stating the igintion wires have been tamped with.
- l/h mirror has a scuff on the stem? more likely just corrosion.
- front indicators are wonkey, probably already like this.

So the only item on that list that has any kind of expense is the ignition, if its just a few broken wires this is an easy fix. If the barrel needs to be replaced then buy a used lock set that included the red master key and then pay £350 for an auto locksmith or a yamaha dealer to link the keys to the ECU. What 4D will have done it quoted for all new parts, in this instance, so very likely the "MAIN SW. IMMOBILIZER KIT, 2D1W825020" which costs an insane £1331 - https://www.fowlersparts.co.uk/parts/view/2D1W825020. Had a 5 second look on ebay and boom, found 2x complete Main sw and Immobilizer sets (barrles, keys (inc master) and ECU) for £295 - https://shorturl.at/FsEhu an

So just for sh*ts and giggles, let do some napkin maths:

So lets say the owner got paid £2500 (https://shorturl.at/oZtIt), the insurance sold the bike to 4D for £1000? and prolly paid 4D for a loan bike and recovery costs, so the ins are out of pocket £1500-2000 at this point. Who ever was the ins. assesor was, they need shooting.

And currently the auction is at £1160, so will prolly sell for £1500. so 4D have made £500 on the sale of the bike minus the inspection and transport costs. So if you add that to the loan bike and transport costs they charged the ins. co, 4D have made maybe £1000 on this bike..?

Maybe the owner maybe was savvy and realised that the bike is gettinbg old and harder to find parts for(but my quick search on ebay would suggest they were not, at all). I only found 42 FZ1's for sale on autotrader in the whole of the UK.

[agricola]

I'm so glad I recalled seeing this thread, as hearing that company mentioned while discussing my claim rang a bell. I read up on some reviews and looked at their requirements for collecting my Striple and transporting it to Surrey from South Derbyshire. They require my national insurance number, and a photo/scan of both sides of my licence, if I chose not to pursue the claim with them, then I almost immediately incur storage charges and have to arrange or fetch the bike bike from Surrey. I also noted that they sell used parts and written off bikes. So i decided not to pursue the deal with them and have opted for an independent inspection and report, and I will find someone local to carry out the repair work. Thanks to Bikerdude for posting the original thread on this.

This all stems from my off on Monday evening while riding back from an evening session at Donington. All ok until 7pm then a torrential downpour that lasted for half an hour. When it stopped, I decide to call it a day and ride home the seven miles or so. As I left a small roundabout to climb towards the A50 junction, where the camber of the roundabout and the downward slope from the access road meet was full of slime and gravel that had been washed down the slope in the downpour. I lost the rear in a lowside. Fortunately, the following vehicle was the on duty ambulance from Donington, so no wait for the NHS one. As I couldn't move, the leathers were promptly sliced off me. Fortunately, no broken bones, but badly knocked about and bruised down the right side, can't move shoulder or leg very well at all yet. The back of the leathers were covered in slime.

My youngest and her friend retrieved the bike for me and brought it back home, for which I am very grateful. I've had a chance (while the wife was out) to go over the machine and photographed all of the damage that I can see, and I have been able to fire the bike up and run it though all of the gears, so I am very hopeful that I will get it back.

I would add that If any of you need to go to A&E anywhere, for fucks sake question what the tablets they are giving you are. Inevitably, they brought painkillers from the start, and later tried to get me up and moving, but each time I dizzied and almost passed out, the last time my blood pressure so dangerously low as to cause serious concern ,and the intrevenous feed of fluids to get the pressure and heartrate back up for dangerously low. After 16 hours or so of this, the nurse brought another dose of medication and I questioned why here there were two different types of painkillers. She replied that the big white ones were Metformin for my Diabetes. Which I have never had. I had to lose my rag a little to get that point over, but it caused some consternation amongst the staff,as some poor sod didn't get his Metformin for 16 hours or so. I'm just hoping there are no long term impacts from that cockup.

[b1k3rdude]

- I read up on some reviews and looked at their requirements for collecting my Striple and transporting it to Surrey from South Derbyshire. They require my national insurance number, and a photo/scan of both sides of my licence
- She replied that the big white ones were Metformin for my Diabetes. Which I have never had. I had to lose my rag a little to get that point over, but it caused some consternation amongst the staff,as some poor sod didn't get his Metformin for 16 hours or so. I'm just hoping there are no long term impacts from that cockup.

- Im confused, why would 4D need a copy of your driving licence, let alone your ins. number, to collect a bike..? Not even your insurance company is entitled to ask for your ins number. The only time I have heard of this being asked and I refused was to do a test ride on a demo bike, where they need to verfy your driving licence. The solution is you as the end user can go to the same .gov.uk portal to get a Driving licence check code and give that to the shop, because sure as shit they arent following GDPR or have any kind of proper data protection. This then prevents some random little motorcycle shop having your/my Ni number. But you were NOT riding one of there bikes?, so what exactly were 4D upto here?

- I assume you have kept a record of all of this?, as this is a serious breach of medical standards. Giving you incorrect medication could have killed you and may still have adverse effects. You absolutly need to make your GP aware and/or a indipendant medical advisor, as some of the warnings before taking it for people that actually have TypeII diabetis are pretty severe - https://www.drugs.com/metformin.html

[agricola]

I have no records of this, it was simply word of mouth and my only conversation was with the nurse who brought me the drugs, I would assume that records, either paper or electronic, were kept from the moment of my admission until discharge. Unless those have been tampered with, they should record my medicine types and times. I'm not the sort of chap that likes fuss, but I have now registered this incident with the hospital, and await with interest their reply.

[b1k3rdude]

- I underatand the not wanting to cause fuss, but thats what they are counting on. And depending on the context and the situation I would agree, but when it comes to potentially and actually 'fucking with your health' you/we as citizens should be deadly serious and offer no quarter what so ever. The hospital are run by a trust, and that trust is operated in part like a business, so they will do what is in thier interest, NOT yours. Its only the doctors/surgeons that give shit about you as a result of the Hippocratic oath.

- Back to 4D, so did you need to ride one of their hire bikes? or were they asking for the aforementioned details just the transport yours from point of crash to somewhere?

[agricola]

- I underatand the not wanting to cause fuss, but thats what they are counting on. And depending on the context and the situation I would agree, but when it comes to potentially and actually 'fucking with your health' you/we as citizens should be deadly serious and offer no quarter what so ever. The hospital are run by a trust, and that trust is operated in part like a business, so they will do what is in thier interest, NOT yours. Its only the doctors/surgeons that give shit about you as a result of the Hippocratic oath.

- Back to 4D, so did you need to ride one of their hire bikes? or were they asking for the aforementioned details just the transport yours from point of crash to somewhere?

No, not hiring a bike, I've still got the fazer. They were asking for the details before they come to pick up the bike, but as that's not now happening, I don't need to send anything. An independent assessor is now coming out to view the bike at my home, I guess he will produce a report regarding the repairs etc, and it will then be up to me to find someone local to carry out the repairs. Which suits me fine. I'll just clarify also that it wasn't  my national insurance number they requested, it was all pages of the V5C, the front and back of the licence photocard, and a driving licence check code. Apologies for that, still a little concussed at the time. They may be a very good, open, and honest company, but having read reviews, and balanced that with their other offshoot business dealings i.e. selling written off bikes/parts etc and the fact that they are 120 miles from me, and that I may have to pay several hundreds to get the bike back s well as incurring storage charges seemed like a very bad deal. The good news on the bike front is that it starts, runs, all gears engage, the dash is error free, and the frame and forks look straight.

On the health front, little I can do at the moment apart from wait for their first response, then take it from there I do have some experience dealing with organisations like these, as a decade or so ago, I was involved in allegations against my local authority/district auditor/lgo ombudsman over a period of perhaps 10 years. Ultimately, the Council was suspended and the Govt took over with some officers and members removed from office.

[b1k3rdude]

"They may be a very good, open, and honest company,"

No, they are not. A simple inernet search confirms this, they are to be avoided at all costs, but you have to deal with them, keep them on a very tight leash.

And regarding the council, well done that man. People in those position need to be held accountable.

[robbo]

The last few weeks haven’t been too good for crashes on the forum. Having read Agricola’s post following his accident, hope you’re on the mend matey, I picked up on this company 4th Dimension, who I’d previously never heard of.
Following my own crash, after a night in hospital it dawned on me that I had no idea where my bike was. After some phone calls it transpired it was with a fairly local to the crash site recovery company. As I had some expensive camping gear and personal items on the bike, I contacted Carol Nash to see if they had a problem with me arranging collection from the recovery company and taken home as I didn’t fancy it all being left in a compound somewhere. I said at this point I didn’t know if I was making a claim and would settle the recovery bill myself on the understanding that this would be refunded if I made a claim. Carol Nash were fine with this, so I arranged for some pals to collect it for me. Within an hour or so of my Carol Nash phonecall, I had a message from 4D saying to deal directly from now on with my insurance company.
After a second night in hospital I was allowed home. After a quick look over my bike I contacted my insurance company to see what the procedure would be. They wanted some photos of the damage, together with a photo of the recovery receipt , and of a letter from the police which basically said, not my fault, gravel truck had spilt gravel on a corner so didn’t stand a chance and a reference in case the insurance company wanted to take issue with the council.
Before I’d sent off any of the requested information, I’d had two phone calls , from an unrecognised number in Newcastle to  arrange an appointment for my bike to be collected for salvage. The insurance company must have decided to write the bike off before I’d sent them any evidence. I can only imagine that 4D are a default contact that many insurers use, and also gives the impression that all bikes involved in accidents go straight to salvage.
Luckily my damage is mainly all plastic, so I’ve kept my Fazer and will get her back on the road as soon as possible.

[agricola]

They appear to be the default company for claims management for many insurers. The brokers/insurers hand over the management to them with a view to 4D reducing the costs of the claim to the insurers. Representation of the rider is rarely mentioned.

Thanks Robbo, I'm working at the exercises and some movement is slowly returning.

[robbo]

They appear to be the default company for claims management for many insurers. The brokers/insurers hand over the management to them with a view to 4D reducing the costs of the claim to the insurers. Representation of the rider is rarely mentioned.

Thanks Robbo, I'm working at the exercises and some movement is slowly returning.

Good to hear you are making some progress.??? A pal who had a crash in France, just a few days ago also on gravel, texted this morning to see how I’m doing. I said “Taking the pills, doing the exercises and watching loads of videos on ABS plastic repair.” ?

[agricola]

It looks like I may have to use 4th Dimension, both the broker and the insurer are clear in policy documents that they are their agents for claims, and the brokers claims line is operated by them, not the broker. Not much I can do at the moment as I'm recovering on holiday but I'm just not comfortable with this

[robbo]

It looks like I may have to use 4th Dimension, both the broker and the insurer are clear in policy documents that they are their agents for claims, and the brokers claims line is operated by them, not the broker. Not much I can do at the moment as I'm recovering on holiday but I'm just not comfortable with this

Possibly it depends on which insurance company your broker insures you with. In my case I just dealt directly with the insurer, which resulted in either accepting their write off offer or a lesser amount to keep the bike and repair myself as only a Cat N, which is what I’ve done.

[agricola]

As I anticipated, the bike is a write off. I find it hard to believe that such little damage results in this. The insurer has made an offer and I think I'll retain the bike and get it repaired over winter, as and when I can find parts

[b1k3rdude]

As I anticipated, the bike is a write off. I find it hard to believe that such little damage results in this. The insurer has made an offer and I think I'll retain the bike and get it repaired over winter, as and when I can find parts

Ok, but double check what ins category that want to put it in, if its non structural then it should be cat N (formerly D). If they Try cat S and its not the frame, then they are taking the piss.

[agricola]

I retained the bike a salvage, Cat N. Bikes value at the inspection was agreed at £4,600, salvage £1,147. I've already got all the parts I think I'm going to need on order, and the tank and panels are currently being repaired. I'm adding a new Scorpion exhaust rather than a used standard can. Should all come to around £1k, which leaves me with plenty for new helmet and one piece leathers, and lots left for next years trackdays. I did not use 4th Dimension, dealt with the insurer myself. May even add some crash protection.

Injuries almost all cleared up, just a nagging soreness in the shoulder

[robbo]

Glad you’re well on the mend Agricola, and the gathering of necessary parts for repair, slowly being amassed. Shoulder injuries do seem to hang on, especially if you’ve got a few miles on the clock. Labour costs have risen dramatically, so now, pretty much insignificant damage, results in a write off. Just hope my next premium is not ridiculous due to the bike now being a Cat N.

[agricola]

The tank and damaged panels should be back next week, so Im anticipating a test ride soon. Ill likely take it to my local MOT station for a once over too. After the medication cock up at the hospital, I took on board robbos comments as to the seriousness of the matter, given that there are many instances of of deliberate and unintentional harm caused in the NHS, and reported it to the Patient Action Team as I was unable to contact anyone in A&E. A month later, I still await a reply. While in A&E, then xrays and scan revealed something on the lining of my brain which the staff could not identify, so arranged an MRI brain scan at another hospital. The results have been passed back to A&E, but 4 weeks later, I still await a reply on that too, so have also reported that to the Patient Action Team.

I think this may run for while yet

[b1k3rdude]

As the NHS are seemingly dragging thier heals, I would also report this to your local MP.