MacB
Lover of things that come in 3's
- Location
- Farnborough, Hampshire
As a result of the accident or because you felt obligated to respond to a Drago post?
If Carlsberg did SMIDSYs
- Thread starter Bollo
- Start date
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As a result of the accident or because you felt obligated to respond to a Drago post?
Drago
Legendary Member
- Location
- Suburban Poshshire
Yes, that's the spirit. The PTSD has driven you to drink and drugs. You want compo, and money to buy more drugs.
U
User169
Guest
It's bloody mental in Hampshire!! GWS, Bollo.
classic33
Leg End Member
Confusion setting in!
Self-obsessed bump!
I've just had my first ride out since the accident. Barring some residual shoulder pain I'm pretty much mended. Despite hitting the turbo trainer I can tell I'm a little off the pre-accident pace. Even so, it was great to be back out and I'm not jumping out of my skin every time I see a car.
The Nana's insurance have admitted liability without arguing and I've had my assessment medical, so it just remains to haggle over compo. Time to start looking at replacement frames....
I've just had my first ride out since the accident. Barring some residual shoulder pain I'm pretty much mended. Despite hitting the turbo trainer I can tell I'm a little off the pre-accident pace. Even so, it was great to be back out and I'm not jumping out of my skin every time I see a car.
The Nana's insurance have admitted liability without arguing and I've had my assessment medical, so it just remains to haggle over compo. Time to start looking at replacement frames....
Ajax Bay
Guru
- Location
- East Devon
Thanks Ajax. Hope all goes well with your recovery.
- Location
- Manchester
That's great to read. Well done!
Globalti
Legendary Member
Nonsense. You credit insurance clerks with knowledge of cycling, which they won't have unless they happen to be cyclists themselves. Even then it's irrelevant; to them it's a bike and a statistic.
The OP shouldn't need to rebuild the bike, the insurance co should already have directed him to their own accredited repair/replacement organisation, which will provide him with a complete replacement bike. This was what happened when my cycling buddy hit a car (shared fault agreed); his household insurer gave him a brand new, identical bike within a few days and the old broken bike is hanging in his garage being slowly cannibalised for spares. Nothing less is acceptable because other components might be damaged.
@Globalti -> It always pays to read upthread 
However, the 2nd hand market for bikes isn't like the second hand car market - you can't just open a copy of cycle-trader and find an equivalent and that's before you consider issues like hidden damage etc. So, for bikes there's some negotiation required to define the second-hand value. My briefs are playing hardball over the bike valuation so I may get back *most* of the original cost of the bike.
When I was hit, the replacement value of the bike as new was a little over £5,000 (I know, so kill me). She's lucky I had the training wheels on, otherwise there'd be another grand on top of that. Phone your household insurance with figures like that and they'll cough up their cornflakes/M&S sandwich. Trust me, the phone lady nearly choked when I was last renewing my home insurance. They simply won't consider those numbers for damage outside the home, however caused.
It's all in hand, I'm not stressed about it and I'll have enough wedge to get me back to full poseur status before the start of next season. If I resent anything it's the loss of bike time and the subsequent drop in fitness. I'm noticing my age now and it's harder to recover what you lose.
I wasn't concerned about this then and I'm not now. Like I said, any argument about liability is history.
To update that, the bike has been officially written off by all concerned. No arguments from the other side.
That's not how it works. Compensation for damage is exactly that - in UK law it's there to put you back in the same state as you would have been if the incident had not occurred. There's no punitive element. This is made clear if ever you make a claim. For example, if someone slams into your 10 year old car, you're not entitled to claim for a new car.
However, the 2nd hand market for bikes isn't like the second hand car market - you can't just open a copy of cycle-trader and find an equivalent and that's before you consider issues like hidden damage etc. So, for bikes there's some negotiation required to define the second-hand value. My briefs are playing hardball over the bike valuation so I may get back *most* of the original cost of the bike.
When I was hit, the replacement value of the bike as new was a little over £5,000 (I know, so kill me). She's lucky I had the training wheels on, otherwise there'd be another grand on top of that. Phone your household insurance with figures like that and they'll cough up their cornflakes/M&S sandwich. Trust me, the phone lady nearly choked when I was last renewing my home insurance. They simply won't consider those numbers for damage outside the home, however caused.
It's all in hand, I'm not stressed about it and I'll have enough wedge to get me back to full poseur status before the start of next season. If I resent anything it's the loss of bike time and the subsequent drop in fitness. I'm noticing my age now and it's harder to recover what you lose.
Globalti
Legendary Member
Well good luck with that. As a matter of interest we have £10,000 damage and theft cover on our bikes attached to our normal household cover with Swinton, on condition that the bikes are stolen from a locked building or while locked outside. Mrs Gti makes a big point of going over this carefully with Swinton every year at renewal time and getting it in writing.
Good luck with that, although you'll only receive the negotiated current value of the bikes, unless the cover is explicitly new-for-old. Even then, I was burgled many years ago and lost a half-decent separates system, which the insurers offered to replace under new-for-old with something a good deal less specced. As I rejected their offer, I was only 'entitled' to the price they were willing to pay to their supplier for the equipment they'd offered. I'd have been better off with a straight insurance claim. Since then I've actively avoided new-for-old policies.
MacB
Lover of things that come in 3's
- Location
- Farnborough, Hampshire
It's worse for others, they have looks that age can rob them of as well.
Its a good job I've got all that *cough* wealth, power and charisma to fall back on.
