Insurance Claims

Discussion in 'Lounge' started by ajc400, Nov 19, 2024 at 12:29 PM.

  1. ajc400

    ajc400 Senior Member

    Jun 4, 2024
    321
    113
    Glasgow
    Has anyone made an insurance claim on their motorcycle policy which uses a claims agency?

    I am with Bennetts, but they use a claims agent, 4th Dimension who also take the bike away and undertake the repairs. The system seems incredibly complicated - they could not get any contact with the 3rd party, who I think is to blame, so I have claimed on my comprehensive policy, accepting the excess payment. There are pick up charges, storage charges, and now talk of legal proceedings against the other driver to recover these.

    They have said I will not have any costs to pay, but I think this should all be dealt with by my comprehensive policy without bothering me with forms and requests for signatures - any thoughts?

    To top it all, they are still waiting for parts to do the repairs... Speed 400, coming from India??
     
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  2. Dawsy

    Dawsy Cumbrian half-wit
    Subscriber

    Aug 24, 2018
    131
    800
    Cumbria
    Be careful if they offer you a lease bike in the meantime. My mate was knocked off his Thruxton a couple of years ago and had a couple of Yamaha`s while his was getting repaired. The bill came to over £30 000! Fortunately he was covered but some folk aren`t so lucky.
     
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  3. joe mc donald

    Subscriber

    Dec 26, 2014
    14,343
    1,000
    slough / burnham
    @ajc400 I think that is a whole load of old tosh. I had that lot a few years ago who said I had to gain the police report which we all know the police do not release the report to the public. They would not help in any way and I lost a case where a driver knocked me of by nudging my bike as I filtered. I had witnesses but they didn't even try to contact them. I contacted Bulldog and ask them to carry out the repairs which they accepted so I told Carole Nash who agreed so i called the Carole Nash breakdown service in the policy and they did the delivery free of charge.
     
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  4. crispey

    crispey crispey creme de la creme

    Nov 6, 2014
    7,227
    1,000
    Uk
    I'm with Bennetts, had an off in Scotland a few years back, 4th dimension transported it back to their assessors which were a few miles from where I live. They had told me I could leave al my gear in the panniers etc but when I tried getting to my bike to collect the stuff it was all being dealt with by a 3rd party and I had real trouble tracking it down, eventually got to it as they were loading it onto an artic to be taken to a breakers in Wales. Apart from that they paid me the full amount it was insured for.
    I have heard though that it can take an age for repairs to be done, the problem being that if any part has a slight scratch or blemish they will replace it for new so it comes down to the availability of the new parts. Hopefully I'm wrong on that part
     
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  5. ajc400

    ajc400 Senior Member

    Jun 4, 2024
    321
    113
    Glasgow
    Yes, I knew that the loan bike would be a black hole and turned it down.

    Once you report the accident the Bennetts phone number goes straight to 4th Dimension, so I couldn't get an alternative to them taking the bike for repair. I'm not sure they have tried very hard to contact the other side so at the moment I have accepted that I'll be paying my policy excess and losing a bit of my no-claims bonus.
     
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  6. Dawsy

    Dawsy Cumbrian half-wit
    Subscriber

    Aug 24, 2018
    131
    800
    Cumbria
    Best of luck! :grinning:
     
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