Insurance Claims

[Betty]

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.

[Betty]

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

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.

[loony888]

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.

[Nickati]

Yep, they are there to make money not friends !

[gino]

All this talk is making me feel very uncomfortable !

[loony888]

All this talk is making me feel very uncomfortable !

why's that? work for an insurance company?

paul.

[monstermick58]

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.

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

[Betty]

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!

[monstermick58]

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 






                                       Mmick

[Jukie]

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. 

[vossy]

What a load off!
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]

[monstermick58]

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

[Jukie]

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

[mattyvas]

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

[Jukie]

Someone got a new helmet today:





Girly enough?