Repair estimate & insurance...your thoughts!!

Check your policy carefully. Some policies automatically replace a new bike if the repairs are beyond a set limit ( about 50% IIRC).

Otherwise I'd strongly complain to the insurance company with proof that a new one can be purchased for a sum so close to the repair estimate, plus they will then have the salvage (such as it is). Also say there may well be a delay whilst they source the parts.

Originally Posted by Keith1983

Yeah I guess, but then the biggest difference between a learner and a "big" bike is the speed they get there! Injuries sound nasty. What happened did you crash into a tank or something? Pleased to hear it hasnt put u off riding.

I was going straight over one of the roundabouts on the Thetford by-pass and some silly woman coming down the dual carriageway didn't see me in time to give way and went into the side of my bike...you can probably guess what she said to me

No way that sucks! shows alot of character to get up and be willing to give it another go, how long had u been riding when this happened?

Originally Posted by Keith1983

No way that sucks! shows alot of character to get up and be willing to give it another go, how long had u been riding when this happened?

Just under 3 months...for about the first 3 days I wasn't sure if I'd get back on a bike but I went to the BMF show the following weekend and ended up buying a couple of bike bits lol. My other half saw the accident happen and he didn't want me to ride again at first but now he wants a bike too!!

Can't be nice watching someone u love being hit by a car! Was he pillion on another bike then?

Originally Posted by Keith1983

Can't be nice watching someone u love being hit by a car! Was he pillion on another bike then?

No...he was driving and I was behind him...he saw it in the rear-view mirror, my 8yr old son was in the car too altho he didn't see it happen thankfully!!

oooh er! My missus wasn't too keen on me actually getting my first bike but then Id made it clear to her from the beginning that at some point I would get a bike so she couldn't really argue!

[Spanner Man]

Afternoon all.
Insurance companies are fickle buggers to deal with at the best of times, however you don't say if you have any excess on the policy, if you have say a £250 excess it brings the cost to them down to £1445.

Also as salvage values are considerably less on smaller bikes, they're unlikely to recap much from it should they write it off. Hence their decision to repair it.

Cheers.

Originally Posted by Spanner Man

Afternoon all.
Insurance companies are fickle buggers to deal with at the best of times, however you don't say if you have any excess on the policy, if you have say a £250 excess it brings the cost to them down to £1445.

Also as salvage values are considerably less on smaller bikes, they're unlikely to recap much from it should they write it off. Hence their decision to repair it.

Cheers.

Thank you...never thought of that...my excess is 150 so I guess that makes a bit of a difference!

For my 2-penneth worth, it does seem strange that they wont write it off.

The only thing I would be careful of is, as the bike was so new, and carefully cared for by you, you want to make sure that there are NO scratches to the frame or engine cases which the assessor may have thought weren't caused by the accident. I.e. you dont want to get the bike back with a new front end, tank etc, only to find that they didnt replace the engine covers because they assumed that the damage was present before the accident.

You have probably thought of that, and I hope you are on the mend...

BB.