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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.
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-
Aren’t 4th Dimension the ones that always demand your bike and then strip it for parts to sell on?
Sounds like you really do need some proper legal counsel.
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So the assessor’s job is to value how to get the vehicle back to how they believe it was prior to any collision or incident. That means genuine parts and 100% legal and safe.
The insurer then turns around and says “We won’t pay that repair bill, write off the bike and we’ll pay what it was worth on the market”. At that point, where you are, you evidence the value of an equivalent bike on used market.
More evidence you have the better, but you should argue for maximum used value less scrap (ie £500) to keep it.
You can try to argue for repairs but in court you need to show you were being as reasonable as possible, and keeping costs as low as reasonably possible. That means not demanding a hire vehicle unnecessarily or demanding gold plated shifters.
In your position work out what gets the biggest financial return, and offer to be as reasonable as possible. Reasonable is? You give the evidence to prove your financial demands and accept no less.
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Is Aviva the underwriter for your policy or the insurer for the other side?
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Ombusman were useless in my case, I wouldnt pine much hope on them doing anything.
pdlouche
jackbepablo
konastab01
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.