M
McMuckles
Guest
Totally gutted,:cry::cry: bike went down in a 30 mph low speed spill on a gravel strewn rural road two weeks ago. Now been told by insurer it’ a total loss –repairable, but uneconomical
Down on right side and slid for about 8 feet and came to a halt in the centre of my side of the road
Damage sustained – rear brake pedal bent, scrape to Beowulf exhaust and small scrape to bottom of clutch cover ,lower RH fairing scraped and broken (where crash bung ripped off leaving sheared bolt behind) scrape to front brake lever, RH mirror casing broken, but mirror folded back, glass wasn’t broken and internals looked ok, rubber gaiter scraped, nose cone scraped where it joins lower fairing and split across where the mirror mount is, insurer also estimated that front brake reservoir needs replaced although I never noticed at the time.
Estimate for repairs with genuine parts as per insurance (fully comp) is £2900, bike purchase price by me £3000 hence regarded as total loss.
Damage to clothing nil apart from scrape to visor – Damage to me – dislocated and broken left thumb.
s0s:Looking for some wisdom from the learned members of the forum as first time dealing with total loss etc
Awaiting value from insurer, once I send in all the documentation, bike had FSH stamped; both HISS keys etc and was in very good condition, new storms fitted three weeks ago
Had compulsory £700 excess so wondering what payout will amount too.
Alternative would be to buy bike back as salvage and repair would take a while as cash limited for parts brok3.
Would it be nightmare trying to insure salvaged bird?
It’s also crossed my mind and this is where looking for some advice, can you ask insurance not to proceed with claim and ask for bike back and repair yourself?
Down on right side and slid for about 8 feet and came to a halt in the centre of my side of the road
Damage sustained – rear brake pedal bent, scrape to Beowulf exhaust and small scrape to bottom of clutch cover ,lower RH fairing scraped and broken (where crash bung ripped off leaving sheared bolt behind) scrape to front brake lever, RH mirror casing broken, but mirror folded back, glass wasn’t broken and internals looked ok, rubber gaiter scraped, nose cone scraped where it joins lower fairing and split across where the mirror mount is, insurer also estimated that front brake reservoir needs replaced although I never noticed at the time.
Estimate for repairs with genuine parts as per insurance (fully comp) is £2900, bike purchase price by me £3000 hence regarded as total loss.
Damage to clothing nil apart from scrape to visor – Damage to me – dislocated and broken left thumb.
s0s:Looking for some wisdom from the learned members of the forum as first time dealing with total loss etc
Awaiting value from insurer, once I send in all the documentation, bike had FSH stamped; both HISS keys etc and was in very good condition, new storms fitted three weeks ago
Had compulsory £700 excess so wondering what payout will amount too.
Alternative would be to buy bike back as salvage and repair would take a while as cash limited for parts brok3.
Would it be nightmare trying to insure salvaged bird?
It’s also crossed my mind and this is where looking for some advice, can you ask insurance not to proceed with claim and ask for bike back and repair yourself?
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