Motorcycle insurance advice: The ins and outs of a write-off

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It's an unfortunate fact of a biking life that sooner or later you're probably going to come off your machine.

If you're really unlucky the bike could be deemed a write-off by the insurance company.

But because bikes are easier to work on than cars, and bikers are more mechanically minded than car drivers, motorcycle insurance companies often offer the policy holder the choice of keeping the write-off, getting paid the difference in value between it and an undamaged bike and then using the money to repair the bike and put it back on the road.

However, you shouldn't be forced to take the bike if you don't want to, and you should get paid out the market value instead.

Mind you, the value the insurer puts on it may be less than you thought, in which case you should be prepared to negotiate.

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Marc Abbott

By Marc Abbott