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NEBAscension

Joined:

Mar 13

Posts: 3

NEBAscension says:

Bike stolen recovered, insurance, legal and recovery issues

Hi all, im new here and my situation is this and i'd really appreciate some experienced input. Its a long story though, so i'd appreciate you bearing with me so you get the entire situation and anything you can contribute is greatly appreciated.

My bike was stolen October 31st, and was insured TPFT. My insurance however, claimed my insurance claim was invalid because id brought the bike from the storage shed to the front of house to go to work on... (i was leaving for work within 2 hours)
The steering lock and security chain was on, but my nil excess policy apparently became an over £2000 excess because the bike wasnt "in use" when stolen and not stored properly. I had however paid for a years insurance so am covered untill May this year.

Now 5 months on i've had a phonecall and dated letter saying its been recovered, gave the officer my details and asked what I have to do now. He said i'd have to come collect it and can expect as he LAUGHINGLY said; "A very hefty bill" but here's where it gets complex.
The bike had been resprayed, a cloned plate put on AND the frame number has been altered. He also said theres a significant backstory and 2-3 people have been arrested in relation to it. He also said it could take up to 48 hours for the relevant paperwork to be cleared just for me to be able to take it away.

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  • Posted 2 years ago (18 March 2013 22:48)

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NEBAscension

Joined:

Mar 13

Posts: 3

NEBAscension says:

Additional info

My issues are these; as far as im aware the bike has been sent or taken to a garage by police and an investigation (possibly forensic) has been done by police WITHOUT MY CONSENT and i'm being footed the bill. Yet from my research because it has been used in evidence and someone has been prosecuted i am not liable for the costs. They already have multiple offenders who caused this situation and as they are responsible and have been arrested for the relevant crimes the actual bikes physical location and all costs accrued are accountable to them and not me as they had sole responsibility for the police work and investigation resulting.

Lastly, following the theft and recovery the bike itself has obviously been de-valued due to its "stolen recovered" history. But with the re-painting and panel defacing + any other damaged caused not even including this "storage and recovery charge" am I not within my rights to seek some form of compensation from the thieves towards the cost of restoring it too its value when it was taken? Because even if the bike is perfectly usable condition the potential costs to me regarding the now incorrect v5 in my name + incorrect frame number, stripped vinyls, painted fairings AND any other damage are probably going to be more than the bikes resale value.
My insurance is valid till the end of may and legal fee's were included should I have a valid case, I can provide other information should it be relevant.

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smoto5

Joined:

Mar 09

Posts: 4548

smoto5 says:

Think you really do need some specialised

advice on this, there is a bike specialist law firm posting on here under the name of ACIC, hopefully they will be able to advise accordingly, others have spoke well of their help, failing that I believe there are other similar firms advertising in the MCN newpaper in the centre advertising section.

Hope you manage to get everything sorted :smile

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MarcusMarsh

Joined:

Aug 09

Posts: 2685

MarcusMarsh says:

Stolen bike

Firstly, sorry to hear about your stolen bike.  As smoto5 said, you need proper legal advice rather than the opinion of a forum.  Go see a lawyer.  In respect of the recovery of your bike and the associated costs, the Police do not need your consent for this as far as I am aware.     

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smidget

Joined:

Nov 07

Posts: 2385

smidget says:

Contact

ACIC  at  www.bikelawyer.co.uk

 

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