• Further to my collision upthread, I'm having absolutely no joy getting damages back from anyone. The driver's insurance company (AXA Commercial Services) don't even have a call centre, all claims must be emailed or faxed (!!); multiple emails, no response. The driver informs me that AXA have appointed a claims management agency, who've informed me that they can't deal with me directly, and that I should make a claim on my home contents insurance.

    Obviously I don't want to lose 9 years NCD on my home insurance for the sake of £80 (£100 excess), and I really don't see why I should be further out of pocket for something that was someone else's fault. So what do I do now? Should I just write to the driver with a copy of the bill and a demand for payment? And if I get ignored, then what - small claims court?

    I'm reaching the end of my tether, and I'm fed up with the number of call centre staff who've told me that "If you were in a car, it'd be much easier, we're not really set up to deal with bikes."

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