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@Dogtemple
if youre brakeless i wouldnt have thought you have a leg to stand on as far as a payout from her insurance goes tbh. without brakes your bike isnt essentially road worthy. quote from the highway code "you MUST (this is in red caps in the book) ensure your brakes are efficient. if you dont have them insurers would use that to get out of paying out pretty easily. hope you get it sorted though