found my bike on ebay!

http://www.ebay.co.uk/itm/2003-Trium...item27c9b63f3f

new i should have got salvage! balls

bummer, its gorgeous

Ah that's annoying. Buy it back?

[yorkie_chris]

RS "we will sell you a bent in half bag of wank for the same money as a straight one" motorcycles.

Course you should have kept the salvage!

aye ill give ya a ring next time..... if there is a next time.

btw pick these mags up one eve next week and ive got an abba stand fitting kit for ya!!!!

Why the hell did you let it go in the first place.

Rule number one:

It is your motorcycle, not a third party's insurance company's until you say they can have it. They cannot tell you to give it to them, they can only request that you do. They do not have any say in what happens to your bike, only you do, you are the owner.

If you want your bike repaired, they are legally obliged to repair it for you to pre-accident condition, regardless of the fact the repairs may exceed the value of the bike. You decide this, not the insurance company.. They may argue but you have possession and the law on your side.

[sniff]

Originally Posted by Lozzo

Why the hell did you let it go in the first place.

Rule number one:

It is your motorcycle, not a third party's insurance company's until you say they can have it. They cannot tell you to give it to them, they can only request that you do. They do not have any say in what happens to your bike, only you do, you are the owner.

If you want your bike repaired, they are legally obliged to repair it for you to pre-accident condition, regardless of the fact the repairs may exceed the value of the bike. You decide this, not the insurance company.. They may argue but you have possession and the law on your side.

Sorry stupid question time.

I've I have an accident and I get the bike home why do I have to buy the bike back from the insurance company if its mine then?

That's cheap Andy! If I had the time / knowledge I'd buy that and fix!

[TamSV]

Originally Posted by sniff

Sorry stupid question time.

I've I have an accident and I get the bike home why do I have to buy the bike back from the insurance company if its mine then?

Lozzo is talking about the situation where someone else was at fault and you're dealing with a Third Party insurer.

IIRC there was no other party involved in the OP's accident so he was dealing with his own insurer. In that case, it's at their option whether they repair or not. If they deem the bike's a write off, you either take a full payment and the insurer takes ownership of the bike or you take a reduced payment and keep the salvage yourself.

What you might do in any particular situation depends on the cash offer, the value you can agree on the salvage and whether or not you can be bothered fixing/breaking the bike.

Originally Posted by sniff

Sorry stupid question time.

I've I have an accident and I get the bike home why do I have to buy the bike back from the insurance company if its mine then?

You don't have to buy the bike back from the insurance company if you don't let them have it from you in the first place. It's your bike, they don't tell you what happens to it, you tell them.

Insurance companies are greedy cheeky bustads, they bully people into handing over valuable bikes in return for paltry payouts because they are too lazy or incompetent to do otherwise. You own the bike right up until you take an offer from them, they don't own your bike at any point up to this point. That means that at any time from accident onwards, you tell them you demand they get it repaired and legally they cannot refuse.

It may only be worth a few hundred quid and have £2000 of damage but it's your bike and you can tell them you will not be able to replace it with what they are offering, so you demand they repair it.

Simple.