Quick noob claim question

If someone knocks over my bike & admits full responsibility, I *can't*
claim off their insurance for repairs if *I* only have third/fire/theft?

 

Yes you can. You can't claim off *your* insurance though.

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Using the patented Mavis Beacon "Hunt&Peck" Technique, Cap'n

Nonsense.

--
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Hmm.. Not being sure what to do I called my insurer first
(www.ebikeinsurance.co.uk). Do I call 'em again or contact this chap's
insurers? (he's given me all his details inc. incident report ref).
Ta.

 

That's very true. You also have to send me 25 quid every time it
happens.

 

In what way did they knock your bike over?

Was it on the road with the side stand up and a padestrian knocked it
over?

Did someone hit it with their car or whatever?

I trust you took out Legal Cover with your TPF&T policy with ebike.
The third part are likely to be responsible for the repair of your
vehicle.

Does your ebike policy come with Uninsured Loss Protection?

 

Damn...didn't realise that.

Cheques in the post.

 

Been there, done that, got the T-shirt (some dopey git tried to park in
the same car parking space without seeing the bike and bumped it off the
side stand...at least they were honest enough to leave their genuine
contact details, and stack the pieces of fairing and indicator neatly on
the seat).

Think of your own insurance as your - ahem - insurance when someone has
a claim against you. So it doesn't apply in this case - you go direct to
the 3rd party's insurance.

BTW, I'm sure your own insurer's legal team will be keen to help as they
will also charge said third party insurers for their time! Your call.

Good luck!

Chris

 

I refer the gentleman to my previous reply....

Best bet might be to pass all the details on to your insurer making it
very clear that you are not at fault, and let their legal rottweilers
sort it out. It saves you an awful lot of phone calls.

Chris

 

They backed into my bike (parked on centre stand) in a car park. He
admitted he couldn't see it over the kiddie seats in the back (Volvo
Estate)...although he was coming out of a marked space, my bike was
*not* in a marked space.

Dunno if I have legal cover - doesn't ring any bells. I have Uninsured
Loss Recovery...is that any good?

Just phoned my insure again but reaslised it was an out-of-hours
claims/answer service. They took the details this time & now I need to
contact eBike Insurance tomorrow.

 

If you have legal cover (some places include it in all of their TPF&T
quotes) then your insurance company will use their own legal team to
persure the person that backed into your bike.

Uninsured Loss Recovery will cover things like your helmet, soft
panniers and other bits and bobs if the other drivers insurance will
not pay out for them. It also covers you if your bike is written off
by an uninsured driver and things like that.

If you have an expensive helmet then it is worth noting that your
helmet was also attached to your bike at the time the car backed into
it. Even though you can't see any obvious damage to your helmet it's
a good idea to claim for another one on their insurance. As long as
the helmet was attached to the helmet ring on the bike, obviously,
officer.

Make sure you have a damn good look around your bike at all the scuffs
and damage the car has done to both sides of it and anything chipped
panels, tank, panniers, bar ends, mirrors and clutch/brake lever as
they should all be made good again. I'd suggest you ask eBike if they
mind you taking it to a garage to have things like the air filter
replaced as if it's been on its side it could have oil in it now (but
what do I know?) and suchlike.

 

The exact same thing happened to me last year - dozy bint in a 4x4 reversed
into my bike while it was parked. OK, she didn't admit liability at the time
(her response was 'well that was a stupid place to park, wasn't it?), but I
took loads of photos at the scene, so she wouldn't have had a leg to stand
on if she'd denied it.

I was TPFT only, but I did have legal cover as well, which may have made a
difference. Anyway, I contacted Carole Nash the same day (strictly speaking,
you're meant to do this for *any* accident, regardless of whether claims are
being made or not). They passed it onto their solicitors, who sorted
everything out with minimal input from me, and the bike was fully repaired
about six weeks after the accident. All in all, I was pretty impressed by
how easy it was. YMMV.

 

As mentioned in my other post, you can go through your own insurers easily
enough - although I guess going direct to the other party's insurance might
yield a quicker result for smaller claims, seeing as they'd rather pay up
quick than incur legal fees from your solicitor (I've had friends to this in
the past with no problems), and there's one less party involved.

If you're definitely going to make a claim though, I'd cover your back and
tell your own insurers, even if you're going to be sorting things out
direct. If the other party tries to claim off you as well (unlikely in your
case, admittedly), and you haven't informed your insurers about the
accident, you could run into problems.

 

Informed my insurers now (or at least with their out-of-hours claim line
anyway). Perp has admitted full liability (& I guess he's told his
insurer that too - I have his incident ref number). He's said there is
no damage at all to his car. Now to call my insurer first thing tomorrow
& then (I think) speak to his insurer.

 

If you have legal cover then your insurer should speak to his at take
over.

 

Hey, I quite like the colour of the sky on my planet.... ;-)

Good point - yes, I am/was covered FC (hey, age does have some
advantages!) and I did have legal/uninsured loss cover which might
explain why it worked out the way it did. My poor overworked brain
always lumps the uninsured losses cover in with the main cover as "my
bike insurance".

However I must admit I would find it a bit unsporting if my insurance
company wouldn't help me out with a claim if I was 100% not to blame,
whatever the cover. Even if it was simply a conversation explaining how
to pursue the claim in the real world. If they weren't helpful, they'd
be toast at renewal time.

TTFN

Chris

 

Sounds simple to me. Write to the thrid party insurance company.

Legal Cover on TPF&T if not included is only about £10-£20. Even
though I've never had cause to use it whenever I've had anything
insured TPF&T I've always plumped for the legal cover.

 

Wicked Uncle Nigel wrote

Nuffin new there then.

 

Cap'n wrote

You need to carefully consider how your Thieving Bastards interface with
their customers and seek a new set of crooks for next year. Mine at
least take money off me and keep me smiling.

 

In uk.rec.motorcycles, Cap'n belched forth and ejected the following:

Google for Rider Support Services and let them sort it out.