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In which case you need an independent assessment to damage and repair cost. This is normally how you end up with a financial write-off, purchase bike back, then repair with the money. Get to your mechanics and see how they could help write a quote up.
You can demand the bike to be repaired, so long as it is economically viable.
If the TP gives you a value you disagree with, counter it with evidence. Auction, fb marketplace, gumtree, more the better all proving your bike is worth enough to make it worth you pursuing in court if needs be.
pdlouche-
In which case you need an independent assessment to damage and repair cost. This is normally how you end up with a financial write-off, purchase bike back, then repair with the money. Get to your mechanics and see how they could help write a quote up.
This is already what I've done. They came up with a frankly slightly outlandish price, think original Triumph components, but it would have gotten the bike to pristine condition.
I'll give them a buzz on Monday to ask them to expand on the insurance jargon.
Insurance is Devitt btw. They're incompetent, their third party assessor, which is 4th Dimension (they assess for a LOT of other brokers) are outright fucking cons. Aviva, which is the actual insurer, have been helpful.@konastab01 The value suggested isn't actually out of line, it's just a case of vague terminology that's difficult to discern. If they want my bike as salvage, they can fucking do one and Ombudsman are getting involved.
Chak
No I didn’t. It’s why I’m chasing this up by myself. My insurance pressured me to have a hire bike whilst mine was being ‘assessed’. They got pissy when I said no.
Got an independent quote to a total, of which the TP insurers responded with half of it as the ‘value’ of the bike. I don’t want to replace the bike, I want to repair it.