Sounds like PTSD is the new replacement for whiplash.
And now we know why our premiums are so high
- Thread starter Santa-2512
- Start date
I bought a Honda Crossrunner, a bike based on the VFR800 VTec, which had only 11,000 miles on, which had been written off as a cat N bike having been knocked over and suffered a broken mirror, a scratched left fairing panel, and a broken left pannier. That was it, and the bike was an insurance write off. A couple of second hand parts and it was as good as new and is still giving good service, and will be coming with me, with my brother on board when I go to the Eifel region in Germany in June.
This was 20 years ago so not exactly new, but a complete piss take all the same. Imagine the hassle of insurance for 5 years when they ask, and what was the value of the claim?
We are now living in the USA…
A good summary
I grew up the same way
Agreed...and there is also an element of people seeming to believe that the whole insurance thing is like a savings pot....they pay £300 a year so every 10 yrs (as an example) they claim for something upwards of that and 'get their money back'
Did he get to keep the graphs?
Actually he has this very weird lump on his leg now a little larger than a fag packet (and sticks out that far ) where they put the graphs on..... apparently will never go away.Did he get to keep the graphs?
So you could say yes
Did they print the graphs straight on to his skin.
They insured the lass that took me and her ladyship out in September 2022, they were appalling to deal with. Delay after delay after delay even though their client was bang to rights and dealt with by the police. A bunch of utter cnuts.
No insurance company in their right mind should even entertain this farce.
Absolutely agree
I made a complaint to the Financial ombudsman about them because it took so long (almost a year) to get the problem sorted despite the driver of the car signing an accident report form stating it was all her fault and handing over all her insurance etc and they still dragged their feet.
I got £400 for it, was quite happy
northern_nomad
Registered user
This is a very important point. Here's my experience as a cautionary tale for anyone thinking of claiming on insurance:
Just over 5 years ago I was travelling home in my car during the early hours of the morning having said my last goodbye to my sister who was dying in hospital.
I was passing a truck on the A1 when the driver swerved into me forcing me onto the central reservation. The car hit the edge of an open drain and the tyres exploded. The truck driver stopped and before I even spoke to him all he could do was to keep repeating that he wasn’t on his phone and didn’t know why he swerved. I didn’t believe him. We swapped details and he left.
I spent the next 3 hours alone in the dark at the roadside on a freezing January night waiting for a recovery truck to take me and the car home. The only obvious damage to the car was the tyres. Needless to say the whole experience was a pretty traumatic under the circumstances.
The next day I phoned the company’s transport manager, mainly in the hope he would reprimand the driver. I didn’t really care about the money, I just wanted acknowledgement and an apology. He was very helpful and said they had seen the camera footage from the back of the truck, acknowledged liability and would reimburse me for the cost of the tyres. Given that the cost was just a few hundred quid I expected the company would simply pay me and that would be the end of the matter. Unfortunately they passed it to their insurance company who (eventually) coughed up.
A few weeks later our insurances came up for renewal. My partner and I each have a car and a bike and we are both insured for each other’s vehicles. As I was now in the system I had to declare I had been involved in a ‘no fault’ accident on each of 4 policies. The premium on each policy increased as a result.
The first year policy increases alone were over half the cost of the claim for the tyres. By the end of 5 years when this was removed, the total cost increase (vs comparative quote for not having had any accidents) was over three times the cost of the claim.
Despite their cheery TV ads, insurance companies are not your friend. I dread to think what S1000XR rider’s insurance cost is now they have an £8k claim on their record.
That's beyond a friggin joke
I wish!
