Insurance Claim Advice

You'll laugh at this but basically the bike was on my stand, I fell over walking back to the stand, caught the stand and took it all down with me, problem being the frame/for caught the 2ft wall behind it all so with the fall and my weight it's damaged both bits.

Insurance company basically told me no chance, recommended I withdraw the claim.

At this point I would have been better off lying and saying I either crashed it or it got stolen, but being honest with these companies doesn't get you anywhere.

Going to try crash replacement with the bike manufacturer and see if they can do me a deal
 
the wording is usually drafted to make sure that it allows the insurer to be able to refuse a claim if there is a possibility its intentionally damaged. Whilst your accident may be genuine, there is nothing stopping someone who fancies a new bike, or its starting to fail on parts just damaging it themselves, paying a relatively low excess and have the insurance company pay out the rest
 
This is not the sort of incident which insurance would generally cover. Your policy looks more like damage from falling off whilst riding rather than something you caused by working on it. To me it is quite clear that your incident would not be covered unfortunately.
 
MrKnifey said:
Going to try crash replacement with the bike manufacturer and see if they can do me a deal
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So again, through your own fault/clumsiness, your going to make a false claim to the manufacturer to get a replacement frame/forks at a discounted price? You didn't crash it, you fell on it.

Also again - is the frame broken/cracked? Is it carbon or aluminium etc? Similar with the forks? How did you do so much damage to it and who's saying (other then you) that both the frame and the forks need replaced??
 
I would have said the wording was pretty clear by stating in the first paragraph that your issue had to be caused while recreationally riding. The only trouble with that is that the first condition refers to the bike being stolen while locked/chained up. If its chained up you aren't riding it! On that basis, its ambiguous and badly worded.
 
MrKnifey said:
You'll laugh at this but basically the bike was on my stand, I fell over walking back to the stand, caught the stand and took it all down with me, problem being the frame/for caught the 2ft wall behind it all so with the fall and my weight it's damaged both bits.

Insurance company basically told me no chance, recommended I withdraw the claim.

At this point I would have been better off lying and saying I either crashed it or it got stolen, but being honest with these companies doesn't get you anywhere.

Going to try crash replacement with the bike manufacturer and see if they can do me a deal
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Can you not just close it and just reword it?

For example, our dishwasher had been leaking steam over some time which damaged the laminate worktop. I made it worse by trying to remove said dishwasher and did further damage.

Insurance cover rejected my first claim of the dishwasher doing most of the damage as it was covered under water damage but as it had been done over time they classed it with wear and tear.

I just stuck the claim in again and said I accidentally damaged the worktop when removing the dishwasher and managed to get the claim paid up...Over £1200!

It was a shame you accidentally scraped the frame when you were riding the bike in the garage.
 
placeholder said:
I would have said the wording was pretty clear by stating in the first paragraph that your issue had to be caused while recreationally riding. The only trouble with that is that the first condition refers to the bike being stolen while locked/chained up. If its chained up you aren't riding it! On that basis, its ambiguous and badly worded.
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Precisely what I said. The wording is very poor.
 
GinG said:
Can you not just close it and just reword it?

I made it worse by trying to remove said dishwasher and did further damage.

Insurance cover rejected my first claim of the dishwasher doing most of the damage as it was covered under water damage but as it had been done over time they classed it with wear and tear.

I just stuck the claim in again and said I accidentally damaged the worktop when removing the dishwasher and managed to get the claim paid up...Over £1200!
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Any wonder insurance polices goes up every year.....sigh......:rolleyes::rolleyes:

More fraudulent claims openly admitted to........
 
There must be additional clauses which specify how it is covered on your premises, and,
apart from the fact you were maintaining it,
can't supervising it at home, be classsified in the same way that locking it securely at outside premises during a ride is, it is just a longer pause between riding it again.

If you had visited a friends during a ride and broken it, stood in their garage, would that have been covered ? or temporarily returned home during a ride, to pick up something you forgot.
 
booyaka said:
Any wonder insurance polices goes up every year.....sigh......:rolleyes::rolleyes:

More fraudulent claims openly admitted to........
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Why is mine fraudulent?

I accidentally damaged the worktop further when pulling out the dishwasher, insurance companies as has proven will try and wriggle out as much as possible with their certain wording...I changed my wording to play along with their guidelines and it worked.

This isn't like falsely claiming for whiplash etc.
 
Update - Insurance company deciding to play ball.. Dropping bike off at the local shop tomorrow for a written report :)
 
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