My lovely VFR was written off as not road worthy due to a slightly bent front fork (van not stopping for red light and hitting me from behind). The van drivers ins assessor has written the bike off (not my ins co.)
Am I legally able to ride the bike as it is quite okay on the road and the handling etc is not compromised.
I had a look at taking the train this morning, but they were stuffed to the gills and were really like cattle trucks. The mass and stench of humanity made me feel likely vomiting all over them. I turned away and took the bike instead. Trains also delayed due to “vandalism”.
I checked with the solicitors and they said bike hire would be a lot harder to recover the costs for. Also I don’t have the cashflow to cope with bike hire either, so that is sadly out of the question. I could get train tickets back though with a greater degree of ease.
Hmmm, that sounds too much like common sense etc… I could get the bike repaired off my own back for under £100 and be fully roadworthy, but that may leave me out of pocket…!
I thought that if it was a write off, the insurance for the bike was terminated also. Plus dosent the bike belong to the third party insurers (seeing as they wrote it off) unless you buy it back?
This is beginning to look like I’m resigned to taking cattle class transport for a few weeks. :sick::sick::sick::sick::sick::sick::sick::sick::sick::sick::sick::sick::sick::sick::sick:
I’ll just have to get up at 5am to make sure I get a seat and can take the early trains home. I get claustrophobic on trains and the stinking press of humanity stresses me very badly.
Can’t you contact the other guy’s insurance explaining your need for wheels and ask them if you can buy the wreck back, spend the £100 on getting it straight and then you are back on the road.
I’ll be doing that soon, but have to wait and see what has happened with the claim first. The assessment was done on Friday afternoon last week, so it will likely be a short while before anything can be taken any further yet. As to buying the bike back, I’ll be doing that and will fix it and sell it on. Time for a newer bike perhaps. A Hornet would be nice…
depends on the policy/insurer, but all the ones i’ve had have been a years’ cover, not limited by the claim number (and have unfortunatley put this to the test…)
6.30am train this morning. Garrgghhhhh. Sitting next to a rather substantial person this morning - another man coughing his lungs out, me holding my breath and trying to make the train go faster rocking rhythmetically (also helps people think I’m a nutter and leave me alone!!!)
I can do the journey 20mins quicker on the bike! How am I going to survive this???
I can’t offer any insurance advise, but just wanted to say I really really feel for you having to get the dreaded public cattle transport shudder I hope you get back on 2 wheels soon.
Its your bike, it has an MOT and is road legal. If you have been told that the inusrance company is classing it as a right off it means it is beyond economical repair in the eyes of the relevant parties insurance company. It does not mean it is not road worthy.
You still have your insurance and you still have your bike…if you can fix it for 100 notes do it. Then offer the insurance company less than book value as a settlement fee and away you go…dont ask too much or they will just give you the money and sell it on…just to be petty which insurnace companies most definitely are…
I think you should get some legal advice here m8, sounds like the fvcking you over. as far as i thought it is your insurance company that can write your bike off not theirs, by them saying that it prob be cheqaper/easier for them.
Speak to your slicitors which you should have got from your ins company if you paid your legal.
cant see writing off just cos of front fork, you can/should be able to buy bike back too.
Thats exactly right, only your own insurers can deem your bike a write off, and it remains your property until you agree otherwise in any case. You do have the right to claim the salvage as yours and agree a payment for the bike, typically it would be around 10 - 15% of its market value if it is seen as beyond economical repair. It seems a low figure but insurers just want rid of damaged bikes and will write off rather than repair unless it is minimal damage, your costs of a £100 or so could be far more than that in an approved repair shop anyway.
Had a mate who dropped a new Ducati, 5 minutes old, new tyres over diesel on a wet road, went down at 20 mph… £5k of damage… 5 hours of crying.
The bikes is your property, so you call the shots especially with the 3rd party insurance assessor, you say what will happen. Best of luck…
as for the trains… for the last 18 months ive been back on two wheels, almost forgotten the ‘wonderful’ London Transport!