4th Dimension

4th Dimension Innovation Ltd - Companies House accounts for 2025 - they are profitable and have cash in the bank. The two shareholders are worth £19.5 million

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Now that wouldn’t surprise me. Not saying they’re dodgy but my understanding is most are descendants of Dick Turpin.
Haha yeah maybe.
My experience with them was a five month affair. This was blamed on parts availability, or lack of. I spoke with one of the guys (Lionel?) in the workshops a couple of times after I had queried the time frame. He said they were waiting for parts and prefer to wait until all the bits were in their possession before starting work, rather than doing it piecemeal. Fair enough, I agree with that approach.
Only thing I wasn’t happy with was that they didn’t replace the front wheel after the accident. It had a heavy frontal collision. We agreed that they would get the wheel X-rayed before refitting it.
Overall it was an easy process with regular updates , even if they were only telling me “no progress”, and the bike was like new when it came back with no sign of 2nd hand parts or shoddy workmanship.

Apparently they are one of only two workshops in the country that have the necessary jigs and equipment to check BMW bike frames for straightness and to check if they are within spec.
 
I won’t ever use any insurance company again that has anything to do with 4th D after my terrible experience.
I have been insured a couple of times with brokers that use 4th Dimension , on those occasions I had a written note attached to my file that I would not in any circumstances authorise 4th Dimension taking possession of my motorcycle or be involved in any repairs or claims procedure , when one broker queried this I told them because IMHO 4th Dimension area a bunch of disreputable shysters who rack up bills for their own benefit .

Both agreed to what I asked after I pointed out that they as a broker could not dictate who carries out repairs or handles a claim
 
I think it is all down to how you handle things, I had no issues with them - let them do the claims management and you choose your own repairer - simples.
 
I think it is all down to how you handle things, I had no issues with them - let them do the claims management and you choose your own repairer - simples.
When was your claim? because I’ve read you saying this several times and can only say again that last year Hastings refused to handle anything to do with my claim, insisting 4th D handle anything to do with motorcycle claims for them. 4th D then wouldn’t even put my claim to the third party until I accepted one or both of their services. I repeatedly asked Hastings to represent me to the party and they refused saying 4th D will do it.
My situation was saved by the third parties insurance company taking over after they’d accepted responsibility. I was then able to cancel, within 14 days my agreement with 4th D and had my bike taken to my dealer by the third party insurer for repair.
During the time it was with 4th D it suffered further damage including a completely trashed pannier, scratched windshield and nose cone. Plus they were very awkward and delayed the release from them.
Never, ever having anything to do with Hastings or any company that uses 4th D.
The difference may be that my claim was 100% no fault and I wasn’t claiming off my policy.
 
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An internet search indicates that historically many of the main motorcycle insurance underwriters in the UK have used 4th Dimension. This includes Ageas, Aviva, Axa, Hastings, LV and of course Marker Study, so does anyone know of companies who don't ? I know you can elect to use your own repair agent but as tspivey says above, 4th dimension may insist on you taking up their service before they agree to releasing their grip on the claim that the underwriter will have sent their way.

There are previous posts on UKgser regarding what seems like a 4th dimension virtual monopoly, but with no clarity on the above question.
 
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An internet search indicates that historically many of the main motorcycle insurance underwriters in the UK have used 4th Dimension. This includes Ageas, Aviva, Axa, Hastings, LV and of course Marker Study, so does anyone know of companies who don't ? I know you can elect to use your own repair agent but as tspivey says above, 4th dimension may insist on you taking up their service before they agree to releasing their grip on the claim that the underwriter will have sent their way.

most policies will only mention "approved repairer" and they may not wish to disclose the commercial relationships they have

just because a broker or underwriter does not use 4D at the inception of your policy, does not mean they will not contract with them a week before you crash into the proverbial bus shelter full of nuns.
 
Possession in this case is paramount, if you do not authorise the bike going to 4th Dimension they cannot hold you over a barrel, record conversations with brokers and let them know that you are doing so and point out that if they are using coersion to force you to use 4th Dimension's services that it is not lawful and you will be contacting the financial services ombudsman.
You own the bike and they cannot force you to use a repairer / storage facility/ claims handling company or allow that company to remove your bike against your will from where it is being stored .
Anything happens to mine the 1250 goes to bmw, the stelvio goes to Guzzi and the olderr bikes come back to my garage.
 
When was your claim? because I’ve read you saying this several times and can only say again that last year Hastings refused to handle anything to do with my claim, insisting 4th D handle anything to do with motorcycle claims for them. 4th D then wouldn’t even put my claim to the third party until I accepted one or both of their services. I repeatedly asked Hastings to represent me to the party and they refused saying 4th D will do it.
My situation was saved by the third parties insurance company taking over after they’d accepted responsibility. I was then able to cancel, within 14 days my agreement with 4th D and had my bike taken to my dealer by the third party insurer for repair.
During the time it was with 4th D it suffered further damage including a completely trashed pannier, scratched windshield and nose cone. Plus they were very awkward and delayed the release from them.
Never, ever having anything to do with Hastings or any company that uses 4th D.
The difference may be that my claim was 100% no fault and I wasn’t claiming off my policy.
I can't remember exactly, I need to check back, around a couple of years ago now, however at the time 4D said that they would do all the repairs, I said thanks, but no thanks and I would will go to a local BMW dealer - the bike was rideable (just) and the dealer was only about 4 miles away. The reason I did this was because I was pretty sure that 4D would not use the best repair shops with all the specialist knowledge and tools that an authorized BMW dealer should have.

They cannot force you to use any of these services.

All in all 4D were fine, I guess once they knew I didn't want to use their repair service or have a loan bike they just wanted to get the claim over with and get their basic fee from the insurance company.
 
Is 4D a BMW approved service supplier.

MY question is - if the bike is still under warranty and 4D do repairs (and they are not an approved service agent) - does this invalidate warranty if a repair they have done subsequently becomes faulty.
e.g. The front end needs replacing but subsequently the headlight (that 4D have been messing with) fails
 
Is 4D a BMW approved service supplier.

MY question is - if the bike is still under warranty and 4D do repairs (and they are not an approved service agent) - does this invalidate warranty if a repair they have done subsequently becomes faulty.
e.g. The front end needs replacing but subsequently the headlight (that 4D have been messing with) fails

You would need to check your terms of the warranty if the Bike is still covered after an accident - depending on the parts replaced (whether it's repaired at an approved repairer, or not).
 
You would need to check your terms of the warranty if the Bike is still covered after an accident - depending on the parts replaced (whether it's repaired at an approved repairer, or not).
If it is a new bike with a three year warranty this could be a problem - not realised at the time of letting your bike go to 4D
 
You'd have to check the t's & c's of the warranty.
 


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