Disaster Strikes!

What he said

 

Bad luck mate. Useless bloody car drivers eh! As has been said no real damage to you, which is great. The bike can be repaired or replaced. You can’t be

 

TonyG
Real bummer mate and like everyone says hope you are mending as in disappointment and feeling down. And you are right you never recoup the extra's you have added. Where in Bucks are you located. As i am picking up my 2010 Bonnie from Bulldogs today and if you needed a bike for a week or two it will be here as i won't use it till next month. Joe

 

Glad at least you're ok. Don't let your insurer provide you with a courtesy bike as that could effect whether your bike gets written off or not and shoukd you want one don't take delivery of it until the other insurer agrees to pay or you'll end up paying for it yourself. As plod attended you should be able to get a copy of the police report which would help should the other drivers insurers play the knock for knock game, plus it'll give you back up should they undervalue your bike if they want to write it off. Don't forget to claim for at least a new helmet too and any other kit that's damaged

 

Jeez mate that is so unlucky. These van drivers never look where they're going but as others say, you got away with little damage to yourself and that's a bonus. Had to happen after a big spend on it too, obviously you ain't likely to see that money come back.
Hope the insurance sorts it promptly for you. Good luck.

 

It really boils my p!ss when insurance companies use an accident which is not your fault to increase your premium. How does somebody running into the back of you increase your personal risk profile. They are just robing b@stards.

 

The wankers "justify" it by claiming if you've had an accident their "data" says you're more likely to have another. SWMBO had a know reverse into her in Aldi's car park, he admitted liability (with the dashcam fiming) but our insurers still put her premium up even though she has protected no claims.

 

It hurts to lose the bike because of our passion and care towards our machines. But at the end of the day the most important thing is that YOU ARE SAFE AND YOU WILL CONTINUE TO ENJOY TONS OF MILES ON A NEW BIKE.

I hope the insurance company doesn't try to shaft you just like every other insurance company . Don't give in to their stupid offers and reasons. Fight for the reasonable correct payout and ensure the records are set right "NON FAULT ACCIDENT".

Good luck buddy

 

One of the reasons is because if you have an accident without NCD protection you normally go down from 65% to about 40%, then if you have another you go down even more and it then takes a long time to build it back up to 65% again. As @TonyG says they load the premium up at the front end before they apply your still intact NCD

 

I've had this happen to me twice, first time back in 1983 on a Z1300 rear ended at a roundabout and a Fireblade written off by a myopic farmer in 1994, both times the other party was at fault and I (my insurance) paid out nothing so my policies weren't affected. Loading a policy due to a no fault accident is BS. In the case of the Fireblade I got above market value for the bike, they gave me the bike which I sold for another £2500, £1100 for leathers and helmet and a further £1500 for a knee injury. When my first Street Scrambler was stolen and recovered/written off in 2021 off I got a good payout and got to to remove and keep all the extra bits I'd fitted but they screwed my NCB. I didn't have it protected but they said if it was, the next renewal would still have gone up but not by as much.

 

Surely any premium hikes on a " no fault basis" are part of your claim as it is a loss incurred due to the actions of their client.

Add it to your claim but make sure it is fully justified and correct to undergo scrutiny.

I claimed £650 for the electric bill to run the subsequent dryers and dehumidifiers after a flood in my house.
Ironically I couldn't claim for the fresh mains water bill that caused the damage

 

I agree it's unfair but the problem is at the time you have no way of knowing how much extra it's going to cost you when you renew, plus of course I don't think your insurer is likely to tell you how much extra it will cost you compared to if you'd not made the claim and of course it won't just be the 1st renewal where they'll charge you more.

 

When my first SS was stolen and written off in Nov 21 the renewal in June 22 went up although not as much as I expected TBH. The following year's renewal in June 23 came down almost £100. I don't what's happened this year but something has hit the fan 'cos insurance renewals seem to have gone up with a bang irrespective of any claims people have or haven't made on their policies. Feckin' racket.

 

I think I must have bucked the trend this year as my multi bike policy has come down this year

 

I can empathise with this and you today

So the YSS fork upgrade kit has only sat on the garage shelf for x3 months+ whilst I got around to sorting this job out.
Last week I took the forks completely to bits, new innards, springs, seals etc.
Test rode it the other day to find the oil was too viscous so syphoned it off and replaced with lighter grade.
Parked the bike outside today whilst painting the shed with the intention of a test ride once completed, let's call it inspiring motivation

Half way through painting said shed, youngest comes to see me shame faced
Whats up? says I.
I'll pay for it! says he come and have a look?

He's only put my ST away as it looked like rain and dropped it
Oh and it fell on to the TZR shagging the plastics up both front and rear.
Which then fell onto my new, only a few week old, mountain bike

Oh FFS!!@@



Snapped off front mudguard
Offside silencer raked vertically.
Offside fork leg deeply scratched
Bar ends...... etc....

Forks now fully stripped back to where we were a few days ago and exhaust removed whilst we decide how best to proceed

One perfectly good ( DISCONTINUED ) mudguard scrapped.