Ducati Monster Forum

OK so you probably know what this is about ... but it is all quite new to us so I am after a bit on info on how these things work.

If you don't know, a certain little 620 has sustained what we think is only cosmetic damage ... it is insured with QBE. We still haven't decided whether to pursue the insurance angle or not.

I have spoken to QBE and they are very particular about who they authorise to do the work, I mentioned Desmo Clinic, Flywheels and D Moto ... none of which are authorised. They offered up Big's mates at Northside instead so I am wondering what, exactly, are they being fussy about?

Anybody have any advice on how to proceed?

Thanks

How much cosmetic damage? Depending on what excess you have it may not be worth claiming if it will increase your premiums and/or damage any no claim bonus.

And you can use your chosen repairer.

I paid $300 to fix damage on mine after a minor off. (bent bars, indicator and foot gear lever)

Hey Betty, first up, is the 620's rider ok?? ???

And I guess the first thing to consider is the cost of repairs and doing it yourself vs the cost of the excess (and maybe potential loss of rating and/or increase in premium? [roll] )

Dunno 'bout the "authorised repairer" thing??  [roll] Being a basically cynical bastard the "Authorised" thing smacks of "you scratch my arse and I'll scratch yours" situation. Maybe Northside gaurantee the cheapest quotes for QBE?? Just maybe?? :o :-X

I guess you have to dance to the tune of the Insurance company that you are with?? Anybody know if that is the case or, like the Warranty vs Authorised/qualified mechanic issue, is it just the insurance industry flexing its "Little Weiner"? [roll]

I had an off on a speed bump, the fairing caught underneath, and basically destroyed itself, (previous bike) and was on a higher rating for 3 yrs so yes check before you claim.  If only minor damage probably not worth it.

Its lots of little things ... biggest being the tank ding. But that is why we are still weighing up our options. Apparently you are allowed 1 claim p.a. without an effect on your no claim bonus ... premium off course will be something different regardless of what they may say. She still has a long way to go before her premiums are as high as mine though.

Replaced helmet will probably swing it anyway.


Emotionally, she is getting there ... nobody wants to see their children lying by the side of the road in a pile of gravel. Physically I think she is starting to feel it now ... cheeky bugger still outrode me on the way home though.


Refer above.


They said any chosen workshop would need to be approved by them (I can live with that) I was just wondering about the hoops.

The only other brand that they are 'particular' about is H-D, so I am sure it has something to do with a much loved importer of motorcycles.

One issue is distance ... whether 'authorised' or trusted we have a fair way to go, so I just want to make sure things will be right when we get there.

Oh yeah and I should note that I don't intend to list the damage (as I see it) on a public forum until we know where we are heading.

Lets face it, I don't know what I am talking about so I at least one somebody that comes recommended (by you lot) to have a look at things to make sure everything is OK.

Good to hear that everyone is OK, as I have mentioned in another post my bike was repaired by 'Collide-ascope' apparently bike repairs is the primary bussiness, and they are pretty good at what they do, when they quoted my bike they had to requote as they found more damage and had to make sure that the frame was straight.

If you go down the road of self repair make sure that you look at anything that could have been damaged, so tell us, what are you saving your insurance for ?  [thumbsup]







                                        Mmick

And if you go down the road ('scuse the terminology?  [roll]) of going with the insurance , dont forget to put in a claim for any damaged personal gear!!  [thumbsup]                             

Had a moment I'd like to forget in the car once.  Repair quotes received were $900, excess $500, and total cost to me once extra premiums etc were taken into account was $1100 if I claimed.  I just coughed up the dough.  Best to do your sums carefully.

what happens is this.. QBE use Ducati / Frasers as a preferred repairer , they in turn sell QBE insurance (or whoever) and obviously don't do it for nothing, no doubt getting paid a handsome commission. and then to keep the back scratching going round NFI/Ducati give them preferred /trade prices on parts for repair work.. so they're all one big happy family... i imagine it's not only Ducati but would think it goes on a lot.. makes sense, as they save on parts costs, and have insurance sold for them by the dealers..

As you may know I had an off last year & had cause to rely on QBE. I've no doubt that Oz is correct - by my guess they got around 20% discount on my repair. Do I care? well not really if I get a share in the cost savings. Overall, it was the best customer service experience I've had. Without boring you with the details: they were/are cheap; my bike & gear were fixed beyond what I expected; they chased down the other driver & refunded my excess & they called me every couple of days to let me know what was happening. They also said if they couldn't get the other party to admit fault then it wouldn't affect my no claim bonus although I would have to pay the excess.

I'm no lawyer but have had to deal with them a lot lately on Trade Practices matters. Whether QBE have the legal right to force you to use a limited range of repairs is probably tricky particularly when they are paying the bill. Is it such a big deal to have to take Jukie to one of their repairers? You say the damage is cosmetic - surely any of the regular Ducati dealers can handle that. If it's a problem of convenience then that's another matter. You could ask the ACCC where you stand and, depending on the answer, take QBE on. In the end however, I would think it easier to roll over, truck the bike to wherever & get it fixed as soon as possible. When that's done, the pain goes away. Just my opinion of course.

if you buy insurance at a dealer when you sign up for a bike 20% of what you pay goes in commission to the bike dealer, they're pretty tight bike shops and insurance companies. if you're seriously contemplating repairing it yourself or avoiding a claim get a quote from another shop, not the "authorised" shop because they may weight the quote if they think they can get you to claim. they might quote to replace everything with the slightest mark on it to fatten their bottom line but i'd wager a weeks pay that a lot of the parts quoted never see the light of day on your bike! If you claim, get the quote and ask for the parts invoice before you sign for your bike to ensure what was quoted has been done, if it hasn't pursue it with your insurer, and don't sign for it unless you are completely satisfied everything is done and done right, your signature is your acceptance of the job.
   You may be able to fix the bike without using your insurance but mick is probably right when asking what are you saving your insurance for? you may find you're cutting off your nose despite your face, especially when you take dragonworld's reminder to claim your gear, julies suit and helmet would cost a packet to replace, just be sure her personal gear doesn't add to the claims write off percentage.
I'm not against any particular insurance company or bike shop, but i am cynical and thus very wary of them all.
paul.

Wayne I think the biggest fear is cut corners, there is plenty of evidence of that from the dealers. Also the fact that many of the parts required are not from the 'dealer network' may cause some friction ... and cut their margins.

Unfortunately there is nobody convenient, our best option on the coast (still about 45 minutes away) now refuse to do insurance work. We certainly don't want to be making multiple visits.

Loony, I don't think that we will be claiming the leathers as we need to send them to Melbourne for assessment ... they have done such a good job that I can imagine what that assessment would be so it could be a whole lot of hassle for nothing. Plus they are not the easiest things to replace.

when we did repair quotes at my previous employer we quoted at retail price and that's what the insurer pays.  there was no discount of any sort asked or given.

one assessor down here always cut back our quoted paint repairs and labour times because he had to justify his assessing fee, but that was life with him.

i believe ducati melb were the only qbe approved place for ducati repairs in melbourne, with mpr doing all the paint work.  not sure what happens now.  maybe qbe are getting like that.  i've done one job for insuremyride, which is a shannons offshoot, and racv.  they didn't care who did it, as long as it was a business.

it's certainly wasn't the conspiracy people are talking about.  it does have to do with who sells insurance.  although the deal was that you didn't get paid for quoting - that was included in the commision.  and it was pretty easy to spend 3 hours on a big quote.  if some other company (like aami) tried to write something off or take it elsewhere i always made them pay for the quote.  they'd say "we don't pay for quotes" and i'd say "well, it stays until someone does" and then they'd send someone in to make a pissy scene about it.  like i gave a rat's arse.

one thing about insurance repairs - it has to be done back to how it was before.  the upshot of that is that if you do it yourself and then have another crash that is insurance, any outstanding damage of the first one not repaired and obvious may lead to you being charged double excess (effectively two claims) or some stuff being knocked back.  you need to be careful, as i've seen that happen.

non genuine parts are a pita too.  if you have stuff you've bought take in the receipts so the repairer knows where they came from.  nothing like spending 4 or 5 hours trying to track down a replacement billet mirror from who knows where.  it can cost a huge amount of time with stuff like that, which becomes lost money for the repairer.  you can help them there by sourcing stuff yourself if need be.  stuff from o/s is worse, as any shop in the usa or europe is going to sell to the repairer for the same price as selling to you.  no margin makes no happy.

i've done plenty of quotes for people over the years who have insisted on all new parts being used to (newish bikes) and then ended up with a quote at or above bike cost.  so they then have to compromise or lose it.  and sometimes if the assessor thought it'd auction well they'd come, look, write it off then load it up and take it away without telling the owner.  we'd get a call a few days later and we'd say "haven't they contacted you, they took it away".  which often led to lots of yelling, usually at us.  but we had no right to hold the bike.  once you lodge a claim the bike effectively belongs to the insurance company.  it's very hard to unlodge it.

sorry, think i started rambling.

all good info Brad. nice to hear it from a differing perspective..

It would seem someone has 'borrowed' my login and I missed your post Mick ... how embarassing. Wish I had remembered Collide-a-scope before - in my little mind I probably had them stored as 'painters'. It was never about 'saving' the insurance just an unwillingness to make things worse for ourselves ... the over-riding issue is that we want to make sure it is safe firstest and foremostest.

Desmo Clinic is willing to take the bike in on Friday for a look-see (yes Good Friday) ... so we are getting underway I think. One of the 'authorised' workshops said they would not even be able to look at it for a couple of weeks.

C'mon Brad what do we have if not our conspiracies ... this is Ozmo-land after all ;) [laugh]

But like all good conspiracies there is an element of truth. The bloke that Julie spoke to was quite rude and insistent that anybody other than the 'authorised' repairs would try and write the bike off ... which is just an absolutely ridiculous argument. What reason would they have to do that? Unpaid time spent on a quote then not getting any work out of it and no potential for a replacement bike sale (ie. they don't sell bikes). All this despite our insistence that we didn't want the bike written off (and haven't thought it would be) ... I think he was confusing his 'authorised' dealers and the independents.

Thanks for the words on the aftermarket stuff ... I was actually thinking of getting some of this information (receipts and/or alternative suppliers) together but thought it may have been a bit pushy and make things even more complicated. Plus I assumed it would not be viewed favourably by the insurance company.

Also thanks about the finality of lodging a claim, it is something that has worried us. They are very careful about what they say (specifically telling us we will not know their 'market value') ... so you never know how little they will write a bike off for.

that's the biggest downfall with market value policies, it can change from day to day even, so if you get an idea at the start of the policy term there's no guarantee or even much chance that it will be anywhere near that if you have to make a claim. that means that not only will you likely not get a fair payout for your bike, but to write the bike off will need a lower dollar value quote due to it being a percentage of said market value.
I reckon it's a con myself, what other business can demand money up front for a product and you don't even know what you're getting for your money! Insurers use things like cyclones, hail storms etc. to justify rate increases but this really pisses me off, these companies speculate on the likelihood of a claim based on a multitude of factors like usage, postcode, driving history etc. but when they take a hit we have to cough up to cover their poor gamble, they win everytime, it may not be a "conspiracy" but as sure as my bum points to ground they have it sewn up tight so they never lose out.

paul.

Yep, they are there to make money not friends !

All this talk is making me feel very uncomfortable ! :-\

why's that? work for an insurance company? ;D

paul. [thumbsup]

With my claim, when it came to my clothing I just E-mailed the insurance company a couple of photos of my (old) Draggin' Jeans that they (Ambo's) cut off me and photos of my Shoei helmet and the box it came in and they sent a cheque to MCAS and I rocked up and now the owner of a pair of K-Sheild kevlar pants (very comfortable) and a Shoei 'XR-1100 Conquista' and a pair of knee guards too.




                            Mmick

Mick, if I send them a couple of photos do you think they would fly us (well her at least) over to Italy to be measured up again and wait while they are re-made?

Now that sounds like a plan!

You will never know until you ask  [thumbsup]






                                       Mmick

Hi All,
Just got a call from Mike at Desmo clinic this morning and the bike is NOT a ride off whheeeww. The assessor guys seemed rather good and hasn't try to knock anything off the claim. He also seems happy with Mike and might be sending him some work too. So a very good outcome for all concerned.  [thumbsup]

What a load off! [thumbsup]
Well I just hope now the repairs are to your satisfaction.

Any sort of time frame when you'll get the bike back? [moto] [moto]

Great to hear the bike will be still be around.

Did you put in a claim for your riding gear, at least for repairs to your leathers





                                      Mmick

just getting a new helmet, so going shopping tomorrow for it

Excellent news Jukie. Very happy for you that you get to keep your beloved and Betty too.

Someone got a new helmet today:

(http://farm5.static.flickr.com/4020/4527173085_53959d7212.jpg)

(http://farm5.static.flickr.com/4041/4527802138_d4591ff748.jpg)

Girly enough?

So your now a Squid!

Umm, its not a squid.

... and excepting the blue 'do, she looks much more like the left side than the right.

Cool lid Jules.  [thumbsup]

flash helmet julie! good to see your bike is going to be fixed, when it's done look at EVERYTHING before you sign for it, ok.

paul.

im sure Mike will look after jukie for me. i have no worries there, but i will check anyway [thumbsup]

ok the bike is back at Mike's today as i had to borrow it for the superbike school yesterday. Wow what a great day, great weather and lots of information to be had. The wear on the tyres showed it all. i had a great time watching tricolour pass me all the time [moto]. i need more power [bang], anyway thats in the making.Thanks also to Hambo for joining us in the morning ride out to the creek. Glad everyone enjoyed themselves. [thumbsup]

Glad you had a great day CSS is brilliant the info you learn and putting it into practice is just so much fun.
It makes so many things just click, wish I could have come out to say hi to you all.

we were pretty busy all day just cramming things in, back and forth, but we are going to do it again 

so just got a email from Mike. the body parts are off to get painted, the exhaust are gone too today, and most of the bling has arrived, so we are getting there.

Just another update From Mike
Bling and paintwork all fitted up – looks great!
Just waiting for the muffler return and you’re back on the road.

YES YES YES  

Jukie we would like to see you out riding again.
But not "back on the road" as you state in the previous post !!!

I think you've done enough of that for a while  [thumbsup]

Can't wait  [moto]

Me either I don't think mike want me back on the road but riding instead

yay!!!
pics?

may have to wait until tomorrow not long got home and it was getting dark

Yay!  No more pillion for you.

Yeh no More cupcaking for me [thumbsup] [bow_down]

HOORAY   [moto]  [thumbsup]

Yes very happy now, I even forgot how to ride there for a moment. But all is good now

As from today, Gino's back on the road too after 5 weeks and close to 6 grand damage . All new Ducati parts all paid for by GIO !Work done by Gowanlock . No complaints . Bikes looking brand new. Heaps better than befor the stack!Off to Nat park in the morning :D

 I wish all you Guys and Girls would stop falling of your Bikes [roll].
It only puts the insuance premium up for every one [bang] [laugh]

C O N G R A T U L A T I O N S   J U K I E S  !  !  !   [beer] [clap] [wine] [thumbsup] ;D :) [evil]

Yeah I'm sure they're doing on purpose just to spite you Rob s.   :P

C O N G R A T U L A T I O N S   G I N O  ! ! !  ;D

Thanks Signora. :)

Is cupcaking like spooning?????
 ???

Yeh sort off but sitting up on the back of a bike oohhhh no I have spooned Chris oppsss

Oh, I see  [thumbsup], so you didn't get lost, you made yourselves hard to find.
I get it now.  [evil] ;D

No no no that's not what happen

I do remember suggesting at the time that Jukie may be trading Betty in for a younger model.  :o  [laugh]

Hey!

Normally she jokes about me being younger than most of you old farts ... perhaps Chris is younger ??? ... but I've obviously had a hard life :-[

Betty, you are like a Ducati Monster...a timeless beauty, full of character, good looking and quite sophisticated. And the older you get, the more these qualities apply.  [thumbsup] Sure, maybe one day you may even be classified as vintage, but you will always be a Ducati Monster.  ;D

oooh chris is not younger than betty, i was going for the more experienced one :o :o :o [roll]

now iam in trouble ohh well, such is life [laugh]

gee Kaz you putting it on a bit thick aren't you ;D, glad betty not here to see that

Nothing to worry about Jukie!  [laugh] [laugh] [laugh]

Jukie,
Back on topic, how is Jukie riding at the moment? Must be nice to have Jukie back. I bet the first ride was a bit special.
 ;D  [thumbsup]

yes it was very good. i took it easy and just practise my turning that i learnt from css on the old road coming home, with mark in the car behind me

So pleased that it all turned out OK, especially considering the dramas that you had to start with. Can't wait to see Jukie's new paint job.

So how's the throttle control then and using a late appex to get through corners quicker and smoother. 

Yes much easier with little effort, I wasn't really speeding just doing better cornering. It was a very good time, just to practise and not worrying about other bikes or car cutting me off. no one in sight [thumbsup]

After nagging her for years about trying to turn in later it was good to see her taking the advice (of someone else [roll]) ... seems I will have absolutely no chance of keeping up with her now.

Ahh such is life at the back of the pack [laugh]