Accident and Hire/Courtesy Bike

AndyCr15

AndyCr15

AndyCr15

Soldato
Joined
28 Apr 2011
Posts
15,411
Location
Barnet, London
On Friday I was knocked off my bike by someone crossing my path.

During the process of me giving the claim details, they asked if I wanted a hire bike. I asked if it was covered by my policy and they said it would be claimed of the third party.

Now, my friends are telling me I could end up paying for the hire bike... which would be annoying as I don't really need it, I have a car, but there might be a few occasions it would be handy as I sometimes lend my brother my car.

I'm now thinking I should get it sent back ASAP as it could cost me £100 a day.

For the record, I don't see how I could lose, I have video of the accident from my GoPro, the only problem, I don't know how fast I was going, it could be deemed too fast (although I don't think it was).

(I don't want to post the video in case it interferes with the process)

I assumed I might as well have the bike, as costs would be covered by insurance, that's what it's for surely? I'm insured with MCE, does anyone have any advice on the matter?
 
I am going through a similar claim at the moment which the camera footage has gone against me due to speed, without it would have been 100% her fault due to the manoeuvre and it was my word against hers for my speed.

I was going too fast for the situation (not breaking the law) and admitted this several times but even the police told me not to say that as I could not say exactly the speed I was doing.

Not the claim has gone 2/3 in my favour I can only claim 2/3 of my TOTAL costs. As mentioned, get it in writing that you can claim the full 100% of the cost for the hire bike back even if it goes 50/50 etc or if you will be liable for 50% of the cost of the hire bike at that point.
 
I did wonder (too late) if I should have submitted just stills of the event, taken from the video.

I got an e-mail reply this morning, saying they are confident of a win and the cost will be covered by the other party.

I then called them to ask if something did go wrong and the person assured me, if it did go wrong, they would cover the cost of the hire bike. Does this sound right? I have the guys name and everything, if it turns out they try and charge me.

Sounds like I can't go wrong, but I am tempted to send the hire bike back when I return from Scotland on Tuesday. Just in case.
 
It *sounds* great, brilliant, fantastic, stupendous...
Don't trust anyone.

Get it all IN WRITING.

Also, if the hire bike is a Bandit 1250S, send it back regardless. It's a gutless piece of junk!! :D
 
i was third party many moons ago, and a teacher took me out he decided he wanted kfc and didnt check the mirror and took me out ( i was going to kfc also)
i get a hire bike via angel assistance and i had that for 3 weeks then some one went in to the back of it. i never forked out a penny.
there was a thing about if you have another car or bike you could be liable for the hires costs i didnt at the time.
my dad had a similar experience but did have another car being a car dealer but it was his personal car he ended up having to pay the fees for the hire car.
 
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