Motorbike Insurance (merged)

Alison_B

Last Thursday my brother was coming home at night on his motorbike. He was travelling along a main road and a car turned across the traffic into a garage and ran straight into my brother, knocking him off his bike and carrying him on his bonnet for a short distance. He doesn't remember much about the accident but the police were called and he was taken to hospital.

He was released in the early hours of the morning and luckily he had no broken bones but was terribly sore and bruised all over. His girlfriend took him to her house but on the way, they went via the garage and put a chain lock on the front of his bike.

The next day, he phoned the garage to inform them that he would get someone to come and remove the bike, but they said that there was no bike there. Someone had stolen it.

Now as the bike was fairly old and as he doesn't have much money, he only insured the bike for third party (not fire and theft). His insurance obviously won't pay anything as it wan't insured for theft and the other persons insurance is saying as there is no bike, they aren't going to pay anything either. He is putting in a claim for personal injury as he can hardly move at the moment and is suffering terribly but is there anything he can do to recover the cost of his bike?

The police have charged the driver of the car.

MORPH3US

As the other insurance company have said, because there is no bike, then they cannot inspect it to see how much damage it sustained, so cannot therefore decide what to pay out. In that case, i'm affraid that it looks like your brother will get nothing unless the bike gets recovered (little chance i'm affraid).

The best thing he can do is claim for PI as he is doing, problem is, that could take years to pay out depending on the size of the claim / extent of the injuries!

Hope it gets sorted for him, but I think it will be tough

Sorry!

M

losgiganteskid

Alison_B wrote:

Last Thursday my brother was coming home at night on his motorbike. He was travelling along a main road and a car turned across the traffic into a garage and ran straight into my brother, knocking him off his bike and carrying him on his bonnet for a short distance. He doesn't remember much about the accident but the police were called and he was taken to hospital.

He was released in the early hours of the morning and luckily he had no broken bones but was terribly sore and bruised all over. His girlfriend took him to her house but on the way, they went via the garage and put a chain lock on the front of his bike.

The next day, he phoned the garage to inform them that he would get someone to come and remove the bike, but they said that there was no bike there. Someone had stolen it.

Now as the bike was fairly old and as he doesn't have much money, he only insured the bike for third party (not fire and theft). His insurance obviously won't pay anything as it wan't insured for theft and the other persons insurance is saying as there is no bike, they aren't going to pay anything either. He is putting in a claim for personal injury as he can hardly move at the moment and is suffering terribly but is there anything he can do to recover the cost of his bike?

The police have charged the driver of the car.

Difficult one this, and a damn shame. obviously Third Party Fire and Theft cover would have prevented the situation your brother now finds himself in - having said that the excess applicable (the first amount of the claim which you have to pay) would be quite sizeable, and as you say the bike was old, so you have to weigh up the addition cost of fire and theft cover premium against the amount of the insurers payout, I have known of cases were the value of the bike was less than the excess applicable, so the policyholder although having bought third party fire and theft cover, the fire and theft premium was totally worthless and a waste of money paying. In your brothers case, he can clearly make a claim from the car driver for personal injury and also for the damage sustained to his bike as a result of the accident, the problem being you now have no bike for the insurer's to inspect and access damage. You will have to process your claim accordingly and get the third party insurers to pay an arbitory figure for the damage to the bike, which if old would possibly have rendered it a total loss anyway, so ideas as to the bikes value are obtainable via Glasses guide etc.

Mr_Skint_2

Why didnt the Garage secure the bike, An Unpadlocked bike left outside
how daft is that Garage I mean C'mon...

Fernando_de_la_Parra

I cannot find the best insurance for a motorcycle in the web? Any help? If it exists for cars, why not for motorcycles?
Thanks. :rolleyes:

losgiganteskid

You can get an online motorcycle quote from Coventry Motor cycle brokers BENNETTS - regret don't know their web address though

ciano125

Buy a copy of Ride or Bike magazine, you will find loads of advertisements for insurance in the back of either, then its just a case of ringing round each one and playing them off against each other basically!

For me, a 26 year old mature student, part time surveyor with 2 years no claims bonus to insure a 2003 Honda Fireblade (group 17) TPFT cost just under £500 with MC Edwards. I know its still a lot of cash, but considering most wanted over £1500 for the same cover, it looks a bit of a bargain really!

TokyoJoe

I am with Bennetts

https://quotes.bennetts.co.uk

They gave me a good quote and free puncture repar which I have used once . On the negative side I just brought a new Bike and with 90 days left to run on the policy they have charged me £60 to move over to teh new bike which is actually in a lower insurance group.

losgiganteskid

Could be because Bennetts have/had a belief that riders of newly acquired bikes are a worse risk than riders who have owned their bikes for a while and gotten used to the handling characteristics !!

todderz

The following reproduced from a bike forum I read occasionally. This is of course just an example, phone round and see what quotes you get.

---

Fully comprehensive quotes - the cheapest one also had the lowest excess, £300. Some excess charges were up to £600

Just FYI, my initial renewal quote for TPF&T (from H&R) was higher than the price for which I've eventually found FC cover. H&R couldn't beat the FC price I got today.


Access Underwriting 0870 241 2214 - £485.00

Bennetts 0800 056 3843 - £692.67

Carole Nash 0800 083 5588 - £567.00

Devitt 0800 200 369 - £717.03

e-bike insure 0870 753 1124 - £500

Express Insurance 0800 107 9578 - £430.00

H&R 0845 130 2800 - £667.08

Motorcycle Direct 0870 751 8499 - £577.79

Performance Direct 0800 781 2334 - £362.00

Policy Shop 0800 064 4404 - £460.00

Roadsure 0845 602 1200 - £430.00

The Bike Team 0870 897 7733 - £395.00

Elite 0800 977 8986 wouldn't quote, combination of bike group and postcode