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radddogg

Joined:

Dec 11

Posts: 9

radddogg says:

Insurance Issue

I was knocked off my YZF R125 in November by a woman that pulled out on me from a side road. No doubt in liability but she has been slow to return her accident form to her insurers so my insurers (AXA) won't commit to it being a non-fault claim yet.

 

They have paid out on my write off bike so I'm planning to pick up my new bike on Saturday. So I called to swap my policy onto the new bike,a KTM 125 Duke but they are saying they will not insure that bike and won't give me a reason why not???? They say I will need to get a separate insurance policy from another insurer yet keep paying my policy on the written off bike. Furthermore, until the liability is settled I have to declare the claim as MY fault and declare 0 NCD. Doing this more than doubles the premium I am currently paying and I simply cannot afford to pay this, this side of xmas, especially as I am still owed my £350 excess.

 

My rental bike is off-hired next week and I will potentially be bikeless until the TP insurer pulls their finger out in the new year.

What can I do?

 

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  • Posted 3 years ago (16 December 2011 14:21)

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AdieR

Joined:

Apr 08

Posts: 3042

AdieR says:

"No doubt in liability but she's been slow in returning the accident form to her insurers"

Basically I think she's trying to avoid admitting liability to protect her own NCB - on the other hand, (as daft a question as it might sound) she DOES have insurance doesn't she??

As for continuing the ins payments on the written off bike, if you're paying monthly then yes you'll have to as it goes over a 12month period until the full premium is paid.

Get on to your third parties ins co and tell them to do their job properly (its them you should be claiming from, not your own ins).

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MarcusMarsh

Joined:

Aug 09

Posts: 2726

MarcusMarsh says:

Insurance claim

You position is simple.  Inform the third party and her insurers of the additional costs that their delaying tactics are causing and make it very clear that you intend to take legal action to recover any/all costs incured.  You might also want to lodge a formal complaint with your insurers in respect of their poor service. 

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