SilentG
Junior Member
- Joined
- Jan 3, 2009
- Messages
- 40
- Reaction score
- 0
- Points
- 0
- Location
- South Yorkshire, United Kingdom
hi guys
out for a leisurely ride today, lovely day and all that. anyway, riding down a road when a young lad on a mountain bike decided to walk out in front of me. anyway, no chance i could stop so ended up whacking the kid up in the air then proceeded to slide for about 30 meters down the road. kid just got up and hobbled off before i could get his name address etc.
i have 2 witnesses to prove it was no fault of my own which is good, also one of the witnesses knows where the kid lives.. BONUS!!! so after reporting it to the police at the local station they took all the details and said as no police officers attended the accident (typical or what!) i would receive a call as to when they will visit me for full details.
having slowly managing to get my baby back home a little crippled. handlebars bent, clutch lever snapped, huge great dent in petrol tank, dent to the frame and minor scratches here and there. i called the insurance brokers (bennetts) to which they were to pass on my details to the actual insurance company (equity red star). received a call from the recovery guys and am waiting for them to pick up my baby. obviously concerned about the well being of my bike i asked what the deal was with coverage for the bike to get tip top again, was actually told that i would have to pay the full excess on the repairs even though the accident was no fault of my own. oh yes, im fully comp and have 5 years no claims bonus. which i was told i would possibly lose regardless of fault!!!
can anyone give me any indication of if i get the excess back and if so how do i go about this. or does the insurance company sort it all out? im at a loss as i have been lucky in the past not to have anything like this happen to me.
thank god.
cheers guys
out for a leisurely ride today, lovely day and all that. anyway, riding down a road when a young lad on a mountain bike decided to walk out in front of me. anyway, no chance i could stop so ended up whacking the kid up in the air then proceeded to slide for about 30 meters down the road. kid just got up and hobbled off before i could get his name address etc.
i have 2 witnesses to prove it was no fault of my own which is good, also one of the witnesses knows where the kid lives.. BONUS!!! so after reporting it to the police at the local station they took all the details and said as no police officers attended the accident (typical or what!) i would receive a call as to when they will visit me for full details.
having slowly managing to get my baby back home a little crippled. handlebars bent, clutch lever snapped, huge great dent in petrol tank, dent to the frame and minor scratches here and there. i called the insurance brokers (bennetts) to which they were to pass on my details to the actual insurance company (equity red star). received a call from the recovery guys and am waiting for them to pick up my baby. obviously concerned about the well being of my bike i asked what the deal was with coverage for the bike to get tip top again, was actually told that i would have to pay the full excess on the repairs even though the accident was no fault of my own. oh yes, im fully comp and have 5 years no claims bonus. which i was told i would possibly lose regardless of fault!!!
can anyone give me any indication of if i get the excess back and if so how do i go about this. or does the insurance company sort it all out? im at a loss as i have been lucky in the past not to have anything like this happen to me.
thank god.
cheers guys