.

buy the bike back and fix it up,i would

they should cover your helmet/clothes unless its not incuded on your policy(forgot your claiming off the third party so you should get that money aswell off their insurers),cant remember now if I got mine paid,i did get loss of earnings aswell

they offered me which I thought was a low offer and refused demanding more and I got a second higher offer which I accepted
 
I'm moving country in January and have a second bike there so I have no time, inclination or location to get it sorted.
 
you can ask them say you dont want the bike and prefer the full payout instead,but ask for more inc damage to helmet/clothing
 
I'll give them a call tomorrow and see what they say. I hate insurers though, they drag their feet and then take the mic.
 
Tell them you don't want the bike back lol, also equipment wasn't included in the bike value for my accident either, you claim for that separately, but with all the issues I had with parts of mine going missing from salvage I ended up with about 6 different cheques.

Also how did they calculate the value of the bike? did you accept that? what do other sv650's of a similar age and mileage go for?
 
You certainly don't have to accept part payment and a damaged bike back, you are completely within your rights to ask for the full market value of the bike and they they deal with the disposal of the bike.
 
normally its 10% to buy the bike back at the market value so £200.
but ye explain the situation. they might take the pee so you say dont worry about it and chip off to another country
 
If that is the market average, ie what you can find the same bike in similar condition selling for, then fair enough. If that's just what their stupid Glass's guide says, tell them where to stick it and refuse the offer!
Throw it back, with as many examples of actual sales as you can find - NOTE: These must be outright sales, not auctions. Autotrader ads are fine. Buy It Now eBay sales are fine.

leigh_boy said:
normally its 10% to buy the bike back at the market value so £200.
Click to expand...
Cost of buying the salvage back is usually 10%, up to a certain value. Next it'll be 15% up to another value and finally 30% if it's any higher.

Ideally, don't let them take the bike away, especially if it's the Third Party insurers who are organising the valuation.
One trick is to take away a bike that would cost £500 to repair, break a few bits and then claim it would cost £3000. This means they can write it off and go so far as to 'discover' pre-accident defects that then affect their pre-accident valuation.

Remember also that their estimate of repair will include fixing every single scratch and dent, all with OEM parts. If you have any fairing, you're automatically up the creek on that front!
 
With my accident last year there were essentially 2 separate payouts 1 for the bike and 1 for the gear+compensation.

My Bike one I was told the value of the Bike was worth £3000 and had a scrap value of £850. They offered me £2150 + the bike back or £2150 and they would auction the scrap off and I would get a maximum of £850 for the scrap and they would keep the extra. I then had another claim put in as part of the same incident for my Gear, Anything I was carrying that broke and My personal Injury.
 
This is all moving frustratingly slowly and people keep losing any receipts and photos I send through for my equipment claim.

What is the best way to find a value for my bike to make sure they aren't taking the mic with the initial offer?

It was a 2004 Suzuki SV650S with the full fairing, I can only find one similar example here:
http://www.autotrader.co.uk/classif.../b11ly/quicksearch/true/radius/1500?logcode=p
 
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Ebay/AutoTrader/Pistonheads/MCN anything like that to find a price you would be happy with.

How are you sending in receipts and photos? via emails? I would be looking to get into contact with the complaints department if people aren't doing their job properly.

I was given the claim number to do with my accident and anything I emailed in would go straight on file that way anyone viewing it could go through previous items etc, but I guess this totally depends on the insurer... Have you said who the insurer is yet?
 
Sending them via email so it's fine to send them again.

It's just a pain that there seem to be lots of departments/companies involved who don't communicate with each other or hand over cases without handing over the files.

I'm with MCE but Plantec are dealing with the claim.
 
The bike was never sold with the full fairing in that year (not until about 2010 IIRC), Suzuki simply sold the lowers for after sales fitment by a dealer or owner. This is why you might be struggling to find many examples (plus there's far fewer bikes for sale around this time anyway).

The value is a little low for a fully faired, low mileage 2004, though you are probably going to have to put some work in to get them to up the offer. Are they still trying to make you take the salvage?
 
Ah that makes sense, I could only find one example with nearly identical age and mileage:
http://www.autotrader.co.uk/classif.../b11ly/quicksearch/true/radius/1500?logcode=p

I've reminded them that I cannot wear a helmet again once I've been in a crash and re-sent the claim forms with the equipment list and receipts that they have already been sent before. They've completely ignored the equipment side of things.

My insurers said if the other party's insurers refuse to sell the scrap then they can do it for me.
 
might be worth sending photocopies of all receipts to them via recorded delivery and keep proof of postage
 
Might be worth talking to bike accident specialists like bikelawyer or whitedalton? see if they could help in a case like this?
 
If it's your insurer dealing with the claim then they would usually just offer you the current market value of the bike and then claim that back off the third party's insurer (obviously you can negotiate the correct value by providing examples of similar bikes being worth more than they are offering!)

Essentially your insurance should put you back in the same position that you were in before the incident!

Regards the accessories etc - this is a bit more of a subjective part of the claim - your insurer aren't obliged to claim these losses for you (unless they are specified as part of the policy) and so this would usually fall to a legal expenses provider to claim back your "uninsured losses" (anything from injury right down to helmet & leathers etc!)
 
So MCE keep asking me to get in touch with other companies (three in total: Plantec, 4th dimension and solicitors) to sort out various aspects and it's starting to get on my ****! Everything keeps going back and forth and I'm in the middle of these four companies who keep telling me to contact a different one for each aspect of the claim.

I think I want to go down the route of getting another company to manage everything for me, does anyone have any recommendations?

Fireskull said:
Might be worth talking to bike accident specialists like bikelawyer or whitedalton? see if they could help in a case like this?
Click to expand...

Any experience with either chap?
 
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