Just had my motorcycle stolen...

Wongsky

pacific4130 wrote: »

Wongsky... I didn't have any NCB, I would've had a years NCB in two months though. Why would it go down as a 'fault' claim? I'm not sure how I'm at fault?

Because if your insurance company cannot recover the money they pay out, it will be deemed a "fault" claim.

What sort of money are we talking about in terms of a payout - just roughly - hundreds? Thousands?

Either way, you will have a claim of a certain value, which goes against you at renewal (whether they're "fault" claims, or otherwise). No claims discount, just has some bearing in being a discount applied after they've applied everything that adds to your premium. Heads they win, tails you lose.

pogofish

pacific4130 wrote: »

Regarding the police recovery, the woman on the phone (I reported it via 101) told me it was £150 then £10 per day thereafter. Does that sound right? Hopefully my insurers will sort it out. I'm hoping that the bike never turns up again... I don't want to have to pay £150 to get a trash shell of a bike back. It's hardly going to come back in A1 condition!

When they found the wreckage of my bike, the officers involved advised me to arrange my own recovery - it was a one-off fifty quid. Which the insurers did cover in the final settlement. Just include the recipt (but keep a copy).

They had not written it off at that point but I took plenty of photos showing the severity of the damage and sent a disc of them along with the recipt and that along with the police report was ample for the insurer to declare a write-off. I just got the recovery guy to scrap it, rather than pay to get the wreck home, have it sit there for however long, then pay again to have it taken to the scrappie. however if it is found in a repairable condition, you might be better to have it recovered to a dealer or your home if you intend to do the work.

mattyprice4004

pacific4130 wrote: »

Wongsky... I didn't have any NCB, I would've had a years NCB in two months though. Why would it go down as a 'fault' claim? I'm not sure how I'm at fault?

Regarding the police recovery, the woman on the phone (I reported it via 101) told me it was £150 then £10 per day thereafter. Does that sound right? Hopefully my insurers will sort it out. I'm hoping that the bike never turns up again... I don't want to have to pay £150 to get a trash shell of a bike back. It's hardly going to come back in A1 condition!

You're automatically at fault because the insurers have no 3rd party to claim from.

Will probably mean a nice hike on your next policy.

Also, if you're not happy with the excess you pay, make sure you read everything on your new policy before signing up to avoid the same situation.

Sgt_Pepper_2

skivenov wrote: »

Beware of the Police "arranging recovery". Fine if you're insurers are going to pay it without a shadow of a doubt, but the Police's contractors charge big time for storage and recovery.

If the Police insist on recoverring it, ask why and insist that they are coverring any recovery charges. Record the call, or at least the name and number of whoever contacts you.

The police will either recover it section 99 rta or under pace. If its 99 the owner pays.

Quentin

pacific4130 wrote: »

Wongsky... I didn't have any NCB, I would've had a years NCB in two months though. Why would it go down as a 'fault' claim? I'm not sure how I'm at fault?....

"Fault" and "non fault" in insurance claims doesn't refer to "blame", but whether or not your insurer paid out anything.

Yours will be a fault claim (unless your insurer is able to get all its costs reimbursed by the thief).

pacific4130

The joys of motoring, eh!? Some chav steals my bike and I'm left haemorrhaging cash!

I was thinking of getting a car soon but that's just not going to be possible. I'll have to stick to being a named driver on my fianc!e's car. I've had an accident before, and along with this theft claim I'm looking at £1800 to insure a small car! I'm 32, driving for 12 years, just these two claims, no points/convictions.

At least my bike insurance will stay pretty cheap regardless. Now I'm stuck deciding whether to take a risk and buy a new bike or wait to see if my old one is recovered.