And This is Why Your Insurance Premiums are so high

[ATT]

Everyone is trying to rip each other off, they use photos of all sorts of shit, but the greed is so ingrained.
The only person suffering is the person who owns the vehicle.

Do not accpet it, you do not have to, insist that it is repaired to the book, they all have the book, the very book they are trying to circumvent in the pursuance of making more money.

If all fails, buy a gallon of petrol and a lighter.

 

[R_otor]

I would raise a formal complaint against the underwriter (not broker) asking for them to pay for an independent inspection from a suitably qualified structural engineer

I have found one bodyshop (recommended) that is looking in to it now. They seemed to be on the ball and are going to have a conversation with the insurers engineer that inspected the car with me (the one that agrees it still needs repairing.)

 

[R_otor]

So far is it just the body shop who say the car is OK or are the insurance company also saying this ?
Has the insurance company had the car inspected by an engineer, if not it may be worth asking the question.
It would cost, but could you employ an independant engineer to formally identify the outstanding issues and provide the evidence you need to get the insurance company to have it repaired properly as it seems they may not have done so. If you can find an engineer who is approved by the insurance industry even better and claim the costs from the insurance company if it is proven they did not have it repaired it properly.

My insurer (well my insurers engineer) agrees it need repairing. Funnily enough he sent an email to me today outlining all the objections that the OG bodyshop has to what he has raised with them.
I especially like how they have tried to pin the new damage on me. Lucky I have photos of before it left, and when it arrived, all time stamped and geotagged. They acknowledge no damage prior but claim that I could/have damaged it anytime after. When they say anytime after they mean the time between their driver parking my car in my parking, me pointing out to him the new damage, him calling his boss, me talking to their boss and taking a photo at the same time and then emailing this photo to my insurer 30 minutes later, as my car was still sitting where they left it. They are literally lieing to the engineer and he knows it as they have the email (with photos) I sent 30 minutes after they left, this followed on from my phone call to my insurer complaining.
As noted above I have found another bodyshop that will engage with my insurers engineer, hopefully things move forward.

Thanks for the advice

 

[R_otor]

Original

 

[Wapping]

There’s a much simpler reason:





Abandoned to chance. The bikermate csn’t even be arsed to park it neatly.

 

[Neil W]

There’s a much simpler reason:

View attachment 454351

View attachment 454352

Abandoned to chance. The bikermate csn’t even be arsed to park it neatly.

When I was at work we would leave vulnerable desirable vehicles in high theft zones (it would have multiple tracking devices fitted just incase ) but within the close vicinity there would be numerous cops and a couple of dogs then fun would be had .

 

[wessie]

When I was at work we would leave vulnerable desirable vehicles in high theft zones (it would have multiple tracking devices fitted just incase ) but within the close vicinity there would be numerous cops and a couple of dogs then fun would be had .

is @Wapping on an intel database now, as someone who cases out thieving opportunities?

 

[Wapping]

….. as someone who cases out thieving opportunities?

It’d be like stealing candy from a baby.

 

[Wapping]

When I was at work we would leave vulnerable desirable vehicles in high theft zones (it would have multiple tracking devices fitted just incase ) but within the close vicinity there would be numerous cops and a couple of dogs then fun would be had .

I suspect you give too much credit to the City of London police.

Fun though.

I did enjoy watching a scrote being taken down in Oxford Street, by the police facial recognition van. The icing on the cake was when he decided to resist arrest.



PS Notice the attack pidgeon:

 

[JonnyBravo]

Just been chatting to my neighbour - he was knocked off his Himalayan 410 nearly 6 weeks ago. He commutes on it year round.

First time I have seen him in weeks as he works shifts
He was riding the latest Himalayan.......

This is being hired for him by his insurance company, he says, at the rate of £350 per day !
He has had it since two days after the accident.
His bike is still being 'assessed' and I couldnt believe it when he said it was sent all the way to Kent for this !!
Thats over £12k in rental costs for a £4k bike
That cant be right surely?

 

[tspivey]

Just been chatting to my neighbour - he was knocked off his Himalayan 410 nearly 6 weeks ago. He commutes on it year round.

First time I have seen him in weeks as he works shifts
He was riding the latest Himalayan.......

This is being hired for him by his insurance company, he says, at the rate of £350 per day !
He has had it since two days after the accident.
His bike is still being 'assessed' and I couldnt believe it when he said it was sent all the way to Kent for this !!
Thats over £12k in rental costs for a £4k bike
That cant be right surely?

See my post #10 I managed to rescue my bike from them to the BMW dealer to get repaired but not after they did additional damage to it during transport/storage.
We all need to resist this as it’s just causing increased premiums that we all pay for.
It an absolute con.

 

[GSite]

Just been chatting to my neighbour - he was knocked off his Himalayan 410 nearly 6 weeks ago. He commutes on it year round.

First time I have seen him in weeks as he works shifts
He was riding the latest Himalayan.......

This is being hired for him by his insurance company, he says, at the rate of £350 per day !
He has had it since two days after the accident.
His bike is still being 'assessed' and I couldnt believe it when he said it was sent all the way to Kent for this !!
Thats over £12k in rental costs for a £4k bike
That cant be right surely?

I would guess that his bike will be written off due to the hire charges escalating the claim value well beyond the value the bike.

 

[R_otor]

Just been chatting to my neighbour - he was knocked off his Himalayan 410 nearly 6 weeks ago. He commutes on it year round.

First time I have seen him in weeks as he works shifts
He was riding the latest Himalayan.......

This is being hired for him by his insurance company, he says, at the rate of £350 per day !
He has had it since two days after the accident.
His bike is still being 'assessed' and I couldnt believe it when he said it was sent all the way to Kent for this !!
Thats over £12k in rental costs for a £4k bike
That cant be right surely?

That sounds about right, making money for the system so they can then justify next years insurance price hikes for everyone.

Its what happens when noone takes responsibility. My car unfortunately is now going back to the original repairer for a third attempt. I wont start on the excuses the repairer has espoused but no-one is watching the system so people just tick boxes and on it goes as nobody in their businesses are footing the bill (well not directly).

I digress, so I will get a hire car again. It will be about 9+ weeks in hire car costs by the end of this....

 

[R_otor]

See my post #10 I managed to rescue my bike from them to the BMW dealer to get repaired but not after they did additional damage to it during transport/storage.
We all need to resist this as it’s just causing increased premiums that we all pay for.

I tried that with my car but out of a lot of chats with other reputable repairers including the manufacturer (20 or so) only one said they would repair it but only if I paid as they were not dealing with the insurers. Next time (hopefully never), like you I will choose my repairer

 

[tspivey]

I tried that with my car but out of a lot of chats with other reputable repairers including the manufacturer (20 or so) only one said they would repair it but only if I paid as they were not dealing with the insurers. Next time (hopefully never), like you I will choose my repairer

I was only able to choose my repairer because the third party’s insurer admitted 100% liability and was keen to get it away from my insurers preferred repairer, knowing about their ridiculous costs.

 

[Neil W]

I would guess that his bike will be written off due to the hire charges escalating the claim value well beyond the value the bike.

The other insurer could very well refuse to pay up for the bike hire and your neighbour may very well end up stuck with the bill

 

[Paul G (BHT)]

This is being hired for him by his insurance company, he says, at the rate of £350 per day !

If your mate still has the ‘hire agreement’ get him to read it in front of you…. then watch him go white as he does so.

 

[Micko]

The "must use 4th Dimension" ploy is illegal. If any insurer tried that I would immediately state this on the phone so that it is recorded. I would then ask to make a formal complaint and I would also inform the regulator.
With any motor insurance you have the right to manage your own claim or put it into the hands of the third party insurers from the outset.

As it happens, after a friend's experience, I have put Hastings on the do not use list. Hastings claims to be a broker but that is misleading as you only ever have cover from https://advantage.com.gi/about/ which is a Gibraltar based company wholly owned by the Hastings Group.

I prefer to use a broker that offers quotes from a wider panel of insurers. In the event of a claim you then have the option to deal with the broker, your own underwriter or a third party insurer. This increases your odds of a satisfactory outcome.

Naively, I never questioned Hastings passing me over to 4th Dimension to handle my claim after my GS was stolen and recovered. The handlers I dealt with were fine - easy to talk to, and kept me updated with progress. The downside was it took them FOUR MONTHS to repair the bike, and at a cost of nearly £8k! The bike was a runner when they collected it but most of the electric modules had been nicked or damaged, plus collateral damage (broken seats, steering lock, damage to paintwork). I spoke with a couple of local workshops subsequently (including BMW Motorrad), and neither thought it should take more than a couple of months based on 4thD estimate. I have now started the formal complaint process with Hastings, but I don’t hold out much hope for any compensation. My advice: whatever you do, choose your own workshop and avoid any agents or claims handlers.

 

[R_otor]

I would guess that his bike will be written off due to the hire charges escalating the claim value well beyond the value the bike.

I remember the "choose your own shop" was a rich man's choice especially because insurers didn't push so much on the repairers. As is with a race to the bottom that now exists, choosing your own workshop is now a requirement as the insurers preferred repairer are only a half step up from snake oil salesmen.

 

[Wrinkly]

I've had a reasonable quote from BMW insurance, £562. I think I'm going to go with them.

£170 from my present insurer 'Bikesure' that's until 1-3-26 then £916 for the next year.