tag:blogger.com,1999:blog-22247108.post6849242535946767508..comments2023-08-21T12:10:39.875+01:00Comments on NarrowBoat Bones: The InsuranceMortimerBoneshttp://www.blogger.com/profile/14350657082481487596noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-22247108.post-1714575394165498582011-08-10T23:31:02.398+01:002011-08-10T23:31:02.398+01:00Hi Bones
You don't have to accept the insurer...Hi Bones<br /><br />You don't have to accept the insurers' first offer.<br /><br />They are obliged by the terms of your policy to indemnify you, which means that they must put you back in the same position you were immediately before the loss.<br /><br />They are not responsible for any uninsured losses ie. your excess, (you can try to recover it from the other car's insurers). Have you got uninsured loss/legal expenses cover?<br /><br />The top box should be included in the settlement, as it was part of the overall sum insured for the bike.<br /><br />If you're unable to find a bike of similar age/condition to yours for the amount offered, remind them they're contracted to indemnify you, and suggest they replace the bike rather that send you a cheque.<br /><br />Gather as many adverts as you can for similar bikes so you demonstrate the current market value of yours.<br /><br />If you haven't lost the will to live reading this, I hope it's helpful.<br /><br />Let me know if you need any help.<br /><br />Regards<br /><br />MalcolmMalcolmnoreply@blogger.comtag:blogger.com,1999:blog-22247108.post-68990802675220405392011-08-10T20:27:25.134+01:002011-08-10T20:27:25.134+01:00Do you think so (the former not the latter!)? I c...Do you think so (the former not the latter!)? I could start a thread. I will have a think about it. I haven't, yet, had the final offer - in a fleating moment of optomism I thought they might offer me more than the insured price....!MortimerBoneshttps://www.blogger.com/profile/14350657082481487596noreply@blogger.comtag:blogger.com,1999:blog-22247108.post-45451805243089914702011-08-10T20:20:23.996+01:002011-08-10T20:20:23.996+01:00I realy hate to say this, but you may need the hel...I realy hate to say this, but you may need the help of a solicitor. I don't know if anyone on CWF could help, there are some wise ones on thereBrian and Diana on NB Harnserhttps://www.blogger.com/profile/08569360123827850984noreply@blogger.comtag:blogger.com,1999:blog-22247108.post-4425355211331105552011-08-10T20:05:46.187+01:002011-08-10T20:05:46.187+01:00I like the idea of the Deauville! Thanks Nev.
Joh...I like the idea of the Deauville! Thanks Nev.<br /><br />John - if you hear of anything do let me know. I am in Cambridge a lot this month and may be able to find some time to look at something local.<br /><br />Harnser - OOh I know - I will keep haggling until I get the price. EVEN if they give me the money for the bike to get the same again isn;t looking likely because nothing else I lost was covered and it is all extra pounds that I just don't have. I still don't know the state of the other car identification process (it is still parked in the car park burnt out). The insurance company told me I would only get my excess and no claims bonus back IF they can claim off the other car. I worked my way up to this bike and I am not in the same position I was this time last year when I purchased it. There are ways around it but they all take time and I am feeling the pinch - August is my busiest month this year and the bike would have been fantastic as it is so easy to nip between institutions etc. I am just being grumpy, it isn't the end of the world but the inconvenience is just more than I have time or the energy for at the moment. I expect it will all work out in the end.MortimerBoneshttps://www.blogger.com/profile/14350657082481487596noreply@blogger.comtag:blogger.com,1999:blog-22247108.post-47368180353510051862011-08-10T17:51:11.028+01:002011-08-10T17:51:11.028+01:00you don't have to accept the offer the insuran...you don't have to accept the offer the insurance company makes to you, you can haggle and I think they are probbaly coming to expect that.<br />If the other car is taxed then your insurance company can find them and contact their insurance company.Brian and Diana on NB Harnserhttps://www.blogger.com/profile/08569360123827850984noreply@blogger.comtag:blogger.com,1999:blog-22247108.post-49264916427369301102011-08-10T07:43:53.179+01:002011-08-10T07:43:53.179+01:00Bones.
Don't overlook the Honda Deauville. I...Bones.<br /><br />Don't overlook the Honda Deauville. I had the 700 version ad enjoyed its all round all year riding appeal.<br /><br />Good luck with the search, if you have pound notes ebay may be the deal maker.<br /><br />Nev NB WaterlilyNev Wellshttps://www.blogger.com/profile/07047359519459723079noreply@blogger.comtag:blogger.com,1999:blog-22247108.post-16314662817311852352011-08-09T22:43:39.889+01:002011-08-09T22:43:39.889+01:00One of of my regulars at The Hole Making Shop is a...One of of my regulars at The Hole Making Shop is a motorcycle afficianado: he races combinations at the age of sixty-mumble...<br /><br />He may have something interesting out the back of the barn....it's got to be worth an ask.......<br /><br />John Pippin.<br /><br />PS Claudius made it. No Doubt.John Wittshttps://www.blogger.com/profile/14291220958329864659noreply@blogger.com